Texas payday loan help

I have repeatedly asked questions on here and I have yet to see my question answered. It seems that the same questions are always on the 4 pages that have been on here for the past few weeks. How old are these letters and how often is this site updated. It makes me wonder if the information is still current. thanks, but I probably won't see this answered either.

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Register with the site. It makes your posts easier to track.

I have a payday loan with Fast and Reliable Cash, it is an internet company and the original loan was for $300. I have paid $455, and they are telling me that I still owe them $317.50.

Can anyone please help?

What state are you in? Also, was this a store front or internet based loan. Your first bet will be to make sure they are legal in your state and go from there.

Good luck,
Chrissy

i have about 5 grand roughly in payday loans can i get them consolidated and can they send my checks to the da for prosecutin?

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I have a store front loan from Check & Go in Texas. I defaulted on my loan after 2 years and now I am worry that they will send the checks to the DA. A friend of mine got put in jail over check and go. Is this legal?. Husband got layoff and cant do it any longer. Please help !

I had a payday loan with mo money in princeton tx I could not pay it. Me turned it over to the collin county district attorney. What can I do I don't have the money to pay it at this time

I have a loan with PLS Loan Stores here in Texas and have paid well over the amount I borrowed. I have been unable to pay on the principle as of yet but have never been late on paying the refinance fees. I have had this loan since... Well I do not remember but it has been a good 4-5 months or longer. I pay 152.30 every two weeks on a regular basis. And I am wondering if there is any way I can get out of this with them. I am on financial ruin if I do not get it taken care of. Any help and advise would be greatly appreciated.

Sorry I wanted to repost this with my member info so everyone would know how to contact me with asssitance


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I also have had this problem with a gentleman trying to collect for a pdl.. Not sure of what company he trying to collect for though he said it does nto say in the file. But that the company is seeking criminal charges. At first I was horrified and sent over an intent to pay letter. Which originally he wanted notorized and once i made excuses on why I could not get it notorized said it would be if it was not. I was nto able to pay in full due to non payment from my pell grant. He has since continued to call my cell phone and work place. I have stopped answering his calls and everyone at work has told him I no longer work here. He always says he is going to put my account on hold. My way of thinking is if his "customers" were so intent on collecting and pursuing criminal charges then he would not be able to put it on hold. He calls from one number and leaves another. And a few times I have spoken to him he puts me on "hold" to speak to the attorney and when the person gets on the line it is the exact same guy I was speaking to previously. I have since been informed that since he is not providing adequate information that he is more than likely just a debt collector trying to scare me so he gets his commissions.

right you are.if they were pursuing criminal charges they wouldn't tell you.i wouldn't speak to him again.in fact i would file FTC,and AG complaints against this person and CA.

I was called today on a loan from 2007 for 500.00 i have paid 700+ to the collection company however they want me to pay another 503.12 to keep me from going to court. I have read all of Lillis posts and feel i do not need to pay them anything else. I live in Texas and have attempted to calculate this myself, however i seem confused-some one tell me if these people can actually take me to court for this
Thanks so much

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[COLOR=black]I have six payday loans in Texas. Some of these companies I have use on and off and paid off for the past six years. I have never defaulted on any of these loans, but I l have paid alot in fees. I am at the point where it has taken a toll myself and family. Each pay period I pay about $1200.00. I have read alot help information on this site. I would like to resolve this finical blunder I create for myself and my family. I am plan on closing our bank account and sent a letter to each of my intent to default. Can they file criminal charges on the check or ach that are return nsf or account closed. [/COLOR]

[SIZE=3]Advance America: [/SIZE]
[SIZE=3]Loans Amount: $1000.00 [/SIZE]
[SIZE=3]Finance Charge: $204.55 [/SIZE]
Total Pay off: $1204.55
4 X’s to pay finance, one more time left.
Due on 12/1/09

[SIZE=3]Cash America Payday Advance: [/SIZE]
[SIZE=3]Loans Amount: $800.00 [/SIZE]
[SIZE=3]Finance Charge: $163.66 [/SIZE]
Total Pay off: $963.66
4 X’s to pay finance, three more time left.
Due on 11/20/09

[SIZE=3]Ace Cash Express: [/SIZE]
[SIZE=3]Loans Amount: $1080.00 [/SIZE]
Installment arrangement: $270.00 @ 4
Due on 11/20/09 will be paid off.

[SIZE=3]EZ Money Loan Service: [/SIZE]
[SIZE=3]Loans Amount: $700.00 [/SIZE]
[SIZE=3]Finance Charge: $142.68 [/SIZE]
Total Pay off: $842.68
6 X’s to pay finance, four more time left.
Due on 11/20/09

[SIZE=3]First Cash Advance: [/SIZE]
[SIZE=3]Loans Amount: $650.00 [/SIZE]
[SIZE=3]Finance Charge: $1186.27 [/SIZE]
Total Pay off: $1836.27
Installment: $153.03 for six months. About $98.85 goes to finance and the rest goes to pay loan down. 11 more to go.
Due on 11/20/09

[SIZE=3]Cash Store: [/SIZE]
[SIZE=3]Loans Amount: $1200.00 [/SIZE]
[SIZE=3]Total Pay off: $3269.98 [/SIZE]
Installment: $326.98 for five months. About $180.00 CSO and 146.98 goes to the loan. 7 more to go.
Due on 11/20/09

Hi i have 5 payloans and i have consolidated all of them but some of the lenders are saying that they don't work with consolidation companies one is saying they are going to file charges i live int the state of texas//the consolidation company I'm working with said the are just scary tatics.

I defaulted on about $10,000 worth of payday loans, some from the internet, some from storefront locations. With my dad's help, he took all the paperwork to his attny, he then contacted each of the "lenders" and offered a pay off amount, significantly less than what the lenders said I owed. He also issued a cease and desist order to NOT contact me or references. all but 2 declined the offer, we paid the 2, and we have not heard another word from the others and this has been since August 2006! I'm not sure if this is all over or not but it has been a relief to not be stressed over it all. That was the worst stress I had ever put myself through, learned my lesson! Good luck to others1

Hi...I have about 4 or 5 payday loans out there. I am going to be closing my account and need to knwo if I can get in trouble for that. Here is the info.

Check'n'Go
Loan 400.00
Paid about 200.00
Interent

Ace Cash Expres
Loan 300.00
Paid 200.00
Store front

United Cash Loans
Loan 300.00
Paid 150.00
Interent

Avante or something like that
Not even sure the info on this one

Loan Point
Loan 300.00
Paid 200.00
Interent

What should I do. I don't want them going into my account pulling anymore money out. Can I close it and send them something?

Please help, they are cutting into the everyday things I need for my family. They keep calling cause my accoutn hit negative when they tired to pull. They call my work, and I don't want them calling my references.

Please help.

Katie, please begin a new topic and copy and paste your information into it, also let us know what state you are in. It becomes very confusing when posting in someone's elses thread and keeps all of your information in one spot for easier reference.

I have a loan with Speedy Cash in the state of Texas for $500 plus and add'l $102 for finance charges. Everytime I go in to pay the finance charges they "renew" the loan as if I had just the loan for the first time. Is this company legal in Texas and is this practice of renewing the loan legal? What should I do if I default?

i also have about 3 new payday loans and now one is calling and threating me in was back in 2000. and one that was piad for but the company ws sold and now they want me to pay again it was paid back in 1994. please help me somebody.:shock:

i would recommend everyone starting a new thread so your post can get the most attention and not take away from the OP. Thanks :)

What if you have a payday loan from a storefront, in which you were scammmed to get, the police are trying to put the scammer in jail, but they said I would still be responsible for the loan, it totals $2090, with check n go, without closing my account, is there a solution? I am paying $470 every other week and it is not going towards my principal. Any ideas?

I have five online payday loans I want to know if you can help me find out if they are legal in Texas. Mycash Now, Hotpayday.com, iadvanecash.com (Integrity Advance). Not sure what the other one name. I am closing my account.

I have a loan with advance America In Texas and they had some one call me and tell me that i was going to be served papers if I don't make payment arrangements so I made arrangements. I am supposed to pay $50.00 on the first payment and one payment for $97.00 on the other and two payments of $140.00 My loan was in the amount of $350.00 . The called me and on my Cell Phone and I didn't have any thing to write the dates down with. The guy said they would send me a reminder on my cell phone and I never got them but I paid the $50.00 the day I talk to him and I have not received the dates. I have not paid any other payments and this morning I had as law office call Me.
They left a message on my answering machine. I have not called them back just wanting to know my options before I call them and what all they can do to me. Do I need to get a lawyer. Am I going to have to go to court.

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I had seveal payday loans, I settle all loans however I found out yestersday that I had one loan for Cashnet which is an online company thjat i didn't settle. I hadn't recieved any information from this company are a collection agency until yesterday. the call my parents home left a message that I was being give one last time to paid thses debt before the turn it over to brazoria county for legal action and the cost would be thousands. I didn;t know that they could give information to other people. The person gave some ASSOCAITES NAME, I did call them trid to make a settlment however the person was hearing it and told me that I had until tommrow to pay 900 dollars. i don"t have that type of money I'm working partime because of cancer. What can I do.

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My husband and I have 3 payday loans combined. My husband got one while I was out of work, then when he didn't have a job I ended up getting two.
My husbands is from PayDayOne.Com for 600.00 (online).
Mines are from CashStore for 370.00 (in-store) and Approved Money Center for 475.00 (in-store).
My husband just recently got a new job, but it doesn't pay as much as his previous one. We can't afford to pay our bills and for the loans. How do I go about consolidating this debt?!

Is it legal, in Texas, for lenders to speak to your supervisor to get the money you owe them from your paycheck?

My husband got a loan with ACE CASH EXPRESS, but has not been able to pay it since he is the only one working. The Collections Recovery Agency is now stating that the will get his supervisor involved in order to get the funds from his paycheck, which is something that we cannot afford to have happen since it will put us in bigger debt. Is it legal for here in Texas for them to do that?

I have found a web site to look up CSO's and if they are registered in Texas

https://direct.sos.state.tx.us/cso/CSOSearch.asp

When it pulls up.....in the CSO box put in %cash% and then press the search all button and if there are any registered current, closed, etc organizations registered with TEXAS as CSO's it will be there......You can search with any words just make sure you place the percent(wild card) sign in front of your words and also at the end....

Hope this helps





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thanks paulmergel. how would we go about filing a police report? What is an AG and a FTC complaint? I am positive that the loan was with ACE CASH EXPRESS? Are they the legal ones that can do this? Your help is greatly appreciated.

It states that the agreement is with ACE Credit Services, LLC

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I'm sure they are legal lenders, but are they allowed to get the funds out of my husband's paycheck?

I'm sure they're legal, but are they still allowed to get the funds from my husband's paycheck?

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Thank you so much, this has been very helpful. My husband has spoken to his payroll dept and they stated that it was illegal for them to do so.

I am currently stationed in texas I recieved a call from my sister stating onpoint investigative services were looking for me in regards to check fraud. i called the number they left my sister and spoke with a representive saying i am being charged with a misdominor/felony for theft by deception and check fraud for a pay day loan I recieved in 2006 prior to deployment, i asked if I could settle the matter the said yes and told me i owe a balance of $4376.25 for a $500.00 payday loan they assesed attorney fee's late fee's people finding fee's etc..They threated that a warrent is being issued for my arrest if I do not pay the balance n full no payments of any kind when I request paperwork they told me once it gets to their level they have no paperwork to provide me. i am a single mother/soldier of 3 and I do not know what to do. This was so long ago i simply forgot about it and I do not have $4300.00 to just give away. is this legal and can someone please advize me on what I should do. I also asked if they can find my sister why can't they find me and why have they never attepmted to contact me. any response is greatly appriciated. Thank You

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Can a agency put a warrent out for my arrest from a payday loan in 2006?

I figured this was a scam but how do they have my sisters number and my information? Thank you

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I recieved a call again. Im confused

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I recently took out a loan with zip19.com and due to something beyond my control, I defaulted. I want to pay them back but they are requesting a total amount of $417.94 ($300 principal, $56.49 fees and $61.45 for extra fees, I guess). They have contacted me by phone and I told them I would pay but needed it broken down into payments. Today someone called my HR department to verify employment; I called the number back that they left with the HR director and guy named Lucus Morrison told me that he only verified employment and that I would have to call 866-567-0888. Called this number and was told the entire balance had to be paid. Since they are not licensed in Texas, can I get by with sending them payments to pay off the principal and then send a cease letter so that they won't contact me at work, at home or Hr department by phone?

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