Payday Loan Debt In Ohio
Date: Tue, 12/21/2010 - 08:04
I have currently gotten myself into a jam and I am in need of some help.
I have 4 payday loans, all through online websites:
Thinkcash - Borrowed $700, but currently paying back with payments of $109 every two weeks. I have 8 more payments from them, as I am currently past due by one. So last payment due in March, unless I can pay them off earlier. Payback amount is $850.
Check-n-Go - Borrowed $550, but currently paying back $157 every two weeks. Only have one more payment left to come out December 23rd and I plan to close the account. Payback amount was $850.
Cashnetusa - Borrowed $350, currently extending loan and payback amount is now $441 and due the end of January.
Zip19.com - Borrowed $725, payback amount was $830, now past due and payback amount is now $930. Unwilling to work with me with payment arrangements.
Between just those four, as those are the only ones I have, the Zip19.com is the most difficult one and hardest to payback. The other three are very manageable and are easy to payback in a timely fashion, but Zip19 is the major one that I can't seem to fix.
What can I do to get them to work with me? I do not want them contacting my employer at all and I do not want them calling me anymore. With my bank account, I can fix that easily, as my bank is always willing to work with me as I have had them for years, but I want to fix the Zip19.com problem more than anything else.
Any help that I can get would be great!
I too live in Ohio. One of my internet lenders was also cashnet
I too live in Ohio. One of my internet lenders was also cashnetusa.com. They are legal in Ohio. However, they are very good to work with. Call them and they will set up payments with you.
Check-n-go.... is this a storefront?
I don't believe Thinkcash and Zip19.com are licensed to do business in Ohio. Someone from this forum will come along shortly and answer that for you. Keep in mind, if they are not licensed to do business in Ohio, then you are only obligated to pay back the principal balance (no interest or fees).
In the meantime, have you closed your bank account? If not, do so immediately.
Zip19.com is not a licensed lender in Ohio and are therefore ill
Zip19.com is not a licensed lender in Ohio and are therefore illegal. You need to send them a cease and desist letter (you can find samples by clicking DIY at the top and search sample letters). You need to demand a paid in full letter and refund of $105 because you overpaid them. File a complaint with Ohio Attorney General's Office. You can do it online through the Ohio Attorney General's website.