Can debt counseling stop PDL's for 90 days?

I don't have an answer for your specific question regarding that law ~ but I will ask ~ Are these internet or store front loans? If they are internet and are not licensed to lend to you ~ they most likely won't follow that kind of letter you're talking about.

Before you pay another dime...make a list of all of the companies, the amounts you borrowed as well as much you've already paid on each. You may have already paid more than you could imagine.

They're all online loans. Here's a list:

BIG -- borrowed $225, paid back $225 (3 payments of $75 each)
VIP Cash -- borrowed $300, paid back $285 (3 payments of $75, one for $60)
GRC Funding -- borrowed $500, paid back $150 (the first rollover fee)
Cash Advance Network -- Borrowed $300, paid back $90 (the first rollover fee)

... I'm already thinking about canceling my account with BOA and BIG and VIP may not be legal in my state, so i'm thinking I can reach a settlement with those two for the original loan amount only (this actually worked with Up Front Money a while ago).

Hi billgop,

You might get more help is you started a thread in the payday help section. That being said, I will post your law's for Florida in a minute. It would be a good idea to close your account & open another one, that way they can no longer have access to your funds. None of your companies are legal so you are only responsible for the amount you borrowed:
BIG -- illegal - you are done with them
VIP Cash -- illegal - you owe $15
GRC Funding -- illegal - you owe $350
Cash Advance Network -- illegal - you owe $210

Here are the law's for Florida:

Florida state information here http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Here is some more info for you and a letter you can send to the pdl's. You will need to tailor it for FL. If you do a search in the box above, you can find their contact info:


What should you do? read
http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html

Thanks ... also, just wondering if any of the companies I listed are acting as CSO's. If so, does that change anything?

can you give me info on disputing the wage dec in North Carolina