what do i do

Kenyucky requires Internet lenders to be licensed by your state. Please list the following information and we can try to plan a course of action for you:
-Names of each pdl company.
-Whether they are store front or Internet.
-How much you borrowed.
-How much you paid so far.

By the way, I am moving this to the payday loan help forum so more people will see it.

I am not sure if I am typing in the correct category of not. Is this where I respond to your questions? Sorry this is my first time on here, i became a member after I read how helpful you are.

I read hundreds of threads where you gave advice lastnight and I went to the bank today and closed my account. They were awesome, they gave me a new number and had checks over nighted to me at no cost since I have been a member there with the same account for almost ten years. I couldnt stop my payroll check from direct deposit so they even said that they would accept the check and have it automatically transfer to my new checking account.
Okay, next step is to give you info so that you can tell me if the are legal. I went to a link on one of your replies and I looked up the companies and they did not have a license that I could find in Kentucky.

3)Paydaymax.com Have been doing new loans with them for months now. Have probably given them 3,000 dollars over the amount that I spent. With this loan I have been paying forever and it never seems to go down. The other ones I finally paid off because I get a bonus at work every few months. Unfortunately all year every bonus I have spent on paying them back and then needing money again and then taking out another loan. I think that the max in ky is 500 dollars if I just read correctly so I dont know why they would give me 700 dollars anyway. I am so confused.
Currently I have a loan with them for 700 dollars with a balance of 1,140. of fees and interest it accrues every day. Or I can pay almost 400 dollars every other week for a reeeaaaalllly long time.

2) starcashprocessing loan amount 350 payback is 455 or 155 every other week for a really long time now i can not get a hold of them via email, website, or phone No one ever picks up the phone. I dont even remember getting this one but I have it. I had to call the money to see where the money came from and by then they said it was too late to send it back.

3) unitedcashloans.com 300 loan 390 payback or fee plus 50 dollars every other week until I have it paid off.

I REALLY REALLY APPRECIATE ALL OF YOU THAT HELP PEOPLE LIKE ME. I have a baby with a heart condition (he is doing great he just has to see specialist all the time to make sure he stays that way) and I am scared to death that these companies are going to or keep calling my work and then I am going to get into trouble with my boss or get fired. I have been at my job for almost 7 years and I just got promoted and I know that my GM does not like it when debt collectors call the store. We are not aloud to have personal calls at work under any circumstances unless it is an emergency and in six years this has never been a problem until the last few weeks. My gm is growing very impatient and its not like we can change our company phone number since its corperate. I also thought about telling them when they call for me that I dont work there and they have the wrong number but it doesnt work because I am the manager of over 100 employees and someone diffrent answers the phone everyday, its really whoever is by the phone.
I also am not sure if they can garnish my wages or not. I dont remember ever reading anything in the papers about it but I didnt even get papers from one of them. This would really hurt my financial situation with paying the medical bills and I have to make sure that this does not happen. My payroll dept is in tennesse so does that make a difference since its not in kentucky.

One more thing I need help with and I promise I will not pester you all anymore. lol
My husband and I have been researching for a week or so on debt consolidation/relief. We are not more than 29 days behind on our credit cards or loans but they are never paid on the due date either so since they were all at the limit or high interest rates since our credit scores are only average we have lots of over the limit fees, late fees, etc. Everything we pay is minimum payments or a little over so they balances stay the same or even go up with most of the credit cards. We really want to do this right and pick a great company that is reputable and will help us pay down the debt without getting us behind even more or getting our accounts closed and dent to collections. I heard that with some of the companies you in up in worse shape than you were before and they take your money. I want our credit score to start going up so that in a few years we can buy a home and I want to pay debt that I owe. I dont want to run away from my debts. Please let me know of good companies that wont hurt our credit and will help us pay off our debt and start repairing our credit. Im afraid to call compaines since I dont know much about them especially since they all look like they are great on their websites, if you know what I mean. Some of them also reequire a minimum of lots of money and our cc debt is less than 10,000 dollars.

Thank you so, so, so, much for taking to time to help me and my family. I have now been able to take deep breathes and sleep at night since I found this website. You all are awesome!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

paydaymax.com had several loans and paid back thousands over what i borrowed
current loan 700- owe 1140. or like almost 400 every other week and its nevers decreases the balance

unitedcashloans.com loan 300 owe 390 or almost 200 every other week with only a very small amount towards prinp.

staronecash processing- loan 350 owe 455 or almost 200 every other week
have no paperwork, never remember even looking at this one, can not get anyone to answer phone or get back to me via email

help, i already stopped my account, whats next?

I am worried that they are going to get me fired from my job and I will then be in a big mess. If that happens I will lose everything that I have worked so hard to have for my family. I stopped my account, they will not let anything go thru no matter how much they try or what method they used. I asked the bank manager that several times. Now I need to find out how to get this to go away before it goes to collections or they start calling my work. Everything you all have helped me with so far I have followed to a tee.

I also need help on finding a debt consolidation couseling or credit couseling. We do not want a loan but we do want a reputable company that will not hurt our credit and cares about rebuilding our credit. None of our debts, besides the pdls, are more than 28 days behind so that they dont reflect on our credit. The problem is all the over the limit and late fees keep us from paying them down. We need someone to guide us on who to call. I have been looking for weeks but I am too scared to call and get help because I dont want to chose someone that is going to do more harm than good. I have heard bad things like them not paying your bills monthly and the accounts being closed, reported to the credit bureaus, and owing more money than what you started with. Please help me. Thank you so much.

As you already know the payday lenders you have are ALL unlicensed, this means all you would have been liable to pay them back was the original amount you borrowed to begin with. If I read your post correctly, you have changed your account? I hope so, because your account will never be safe again as long as they have your account information. Anyway, I realize that these criminals will call you at work and attempt to harass you, however, you can deter them by NOT speaking to them at all, hang up immediately. After a few times of doing this they will eventually tire of talking to thin air, don't give them anyone to argue with. Or, if you could find someone to tell them you are no longer employed there, that would be GREAT!

CLICK HERE to find out how to deal with illegal lenders, follow it step by step, do NOT skip any steps, all of your questions should be answered there.

As far as a debt company to help you manage your CC debt. I highly recommend a consumer credit counseling service, non-profit. They are GREAT and will help you manage your debt in a way to pay them off without all the outrageous interest and fees.

Thank you Shazzers. I do have a new account and my bank account is now safe. I have also sent letters to the loan places and letters to the KY financial dept, and the BBB. I have also sent emails to the loan companies as well. No response yet but it has not been payday yet either. lol What letter do i send to my payroll department to tell them not to pay any of these companies? And I do have someone at work to tell them that I do not work there anymore so I will do that. Another question, sorry, what if the pdl company says in the contract that I have to pay them bc I have a contract in their state or that they can loan to any state? Cant remember exactly what it says but it was something to that nature. When I called the Financial KY office they did tell me that no internet pdl could be done in KY, but I was worried if there was something like that in the contract that I still might be obligated. Thanks a bunch!!!!!!!!! :)

Shazzers,
Sorry to keep asking you questions, but also have you ever heard of starcashone processing. The letter came back and no one will answer the phone. They havent called wither because I have not yet made a payment. Also paydaymax responded and left a message on my phone that they operate out of the country and I am obligated to pay them back the full amount and the interest. They stated that it did not matter what state I lived in because I signed the document that I wouldl payback the loan. But I didnt really sign it, I typed it for one, and I am covered since I live in KY no matter what I signed, right??? I just really dont want to get in trouble, especially since my husband is a police officer, it would be so embarassing for the police to serve me or something. THANK YOU SHAZZERS AND I HOPE YOU FEEL BETTER!!!! The baby has been sick so that is why I couldnt respond back quickly.

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