help, what is next step

question above is mine, how do i register so i know if answered

State of residence - Ohio
lenders (internet). Usa Money Shop (silver cloud financial); western sky (cash call); Gecc, inc; check-n-go; cashnet usa; mobiloans. store fronts: cashland, first americal loan, advance america. have always made payments on time, this will be the first to default on any of them

you look here for your response - What state are you in? Who are the lenders.. To register at top of page should be a join button, if you have not already done...

Here are the guidelines for Ohio:
Ohio Payday Loan Laws - State Legal Status
Lending of payday loan is considered legal (-Low Cost) in the State of Ohio.

Online lenders must be licensed to lend in Ohio

Loan Specifications -
Maximun Amount of Loan - $500
Term of Loan - 31 days
Maximum Rate of Finance and Fees- 28% per annum
Finance Charge on $100 loan for a 14 day period - $1.08
APR for $100 loan for a 14 day period - 28%

Debt Limits
Maximum Number of outstanding loans permitted at a time - 1, 4 per year
Permissible number of Rollovers - None
Cooling-off Period - Limit of 2 loans in 90 days
Repayment Plan - Yes, available. 60 days time period. No fees.

Limits of Collection
Collection Fees - a) Bank charges (if disclosed); b) Collection aharge of $20; c) Court costs arising after default; Damages
Criminal Action - Prohibited

Here is where you will check to see if they are liscened to lend in Ohio
Regulator - Ohio Division of Financial Institutions
Address - 77 South High Street, 21st Floor Columbus OH 43215

If they are not legally licensed to lend in Ohio then you follow the link to deal with - http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html

If they are licensed to lend in Ohio then you need to contact their corp offices and see if you can work out an Extended Payment Plan - or you may need to force them into collections to work out a payment plan you can live with.

From the internet ones I see here -
USA Money Shop, Western Sky (if originated with them), Mobiloans - are all Tribal - more than likely not licensed - but check..

Gecc, Inc is a loan broker - not the lender -

All others I think are legal and licensed to lend in Ohio - again check with the Ohio Division of Financial Institutions - here is the website to look them up - http://www.com.ohio.gov/fiin/elicense.aspx

thanks for the website, website did show store fronts as licensed. Have you dealt with any of these companies? This whole situation is causing great stress and just looking for reassurance I am doing the right thing. Average intelligence person but the law stuff is confusing. Are you willing to let me know your success in dealing with any of these companies???

The only one I have dealt directly with is Western Sky and still dealing with them, have not paid on that since Oct though and just now got sent to their supposed collector - which is them follow the link on the unlicensed ones and follow all of the steps.. http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html -- List out if you can how much borrowed from and how much repaid to date - on USA Money Shop, Western Sky (if originated with them), Mobiloans

I have usamoneyshop also and Cashmetusa. I was wondering if mu cashnet would be considered illegal her in ohio because my loan is over$500 and it can be extended 4 times and I havr had over 4 loans with them in 6 months. I amm filing bankruptcy due to other debts. I have retained a lawyer. I am just way over my head.

They can all be included on your BK.. how new are any of them - I know here in AZ they have to be older than like 75 days to be able to be included on the BK, your lawyer should know the guidelines..

Here are the specific guidelines for Ohio regarding CSO's:
Ohio (OH)

Maximum Loan Amount: $500 (No Limit)
Maximum Finance Charges: $1.08 per $100 borrowed (“No Limit” for CSO – see below)
Legally Operating Online Lenders: ChecknGo.com, PayDayOne.com
Licensing Requirements: Online lenders must be licensed in Ohio.

Note: Transaction may be handled as a CSO Loan. See Important Notes.

* State law imposes a rate cap of 28% APR ($1.08 for 14-day $100 loan) but a lender may be regulated as a credit service organization (CSO). Generally, a CSO does not need to be licensed so there is no limit to the maximum loan or finance charge.

cashnetusa is a CSO(credit service organization)and is structered to be different from a pdl.so technically they are legal.so i would include them in your BK petition.