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Payday Loan Collectors - Kansas

Date: Wed, 08/29/2012 - 14:21

Submitted by kendra.1975
on Wed, 08/29/2012 - 14:21

Posts: 5 Credits: [Donate]

Total Replies: 6


I had a payday loan with EZ Payday Advance, Kansas. It was sold to National Credit Adjusters, LLC. I have received a letter stating that they own it now and if they do not hear from me in 30 days that they will mail a copy of a judgment against me. The balance is $453.75. I have 5 other payday loans. What is the likelyhood of them actually persuing and are payday loan companies usually aggressive with suing? A friend told me that they are not aggressive and not to worry. Thank you!


National credit adjusters are bottom feeders. They can't just mail you a judgement without first taking you to court. If they truly said that in the letter ("if you do not contact us in 30 days we will mail you a default judgement") then you can advise them that you won't be pursuing them for an FDCPA violation if they forgive the balance.

Are the other lenders legal iny our state?


lrhall41

Submitted by waffles on Wed, 08/29/2012 - 14:28

( Posts: 1697 | Credits: )


First try to find out whether or not the pdl companies are licensed in your state. If they are illegal, then pay back the CA only the principal balance. But if they are licensed, then you will be liable for both the principal and interest. In this case the CA can sue you as the loans are legal.


lrhall41

Submitted by on Thu, 08/30/2012 - 03:52

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Unfortuantely, all of the loans I took out are legal in Kansas.
They are:
Ace Cash Express, online
Advance America, store
Check 'n Go, store
EZ Payday Advance, store
Star Loans, store

I only have the one that was sold to a collection agency, atleast that I know of. I have received calls at work from IAG. Unsure as to why, I have no correspondence from them.

I don't want to be garnished, it is hard to make ends meet for my daughter and I as it is now.


lrhall41

Submitted by kendra.1975 on Thu, 08/30/2012 - 10:14

( Posts: 5 | Credits: )