TN laws - payday loans

please tell us if your loans are internet or store front. Who are your lenders, the amount borrowed and the amount in total repaid to each lender,

You will find the Payday loan laws for Tennessee here (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

I also live in TN and am reading this. We borrowed 300 from Outback bucks and they have debit my account 3xs now for 90 bucks each, since we can't pay it off now. According to the info I read this should not be done. So, should I put a hard debit block on them, because now it's 90 bucks every month plus the 300 still. I've already paid 270 with the fees they are taking from me.
Thanks.

I have been dealing with this company, well first cashnminutes, and then legal processing associates, finally now LTA litigation and theft arbitration.
They have harrased my family and me for going on 3 or 4 years now, and really I realize that if they were going to file charges for "fraud" then it woukd have been way before now.
I don't even know if they "cashnminutes, LTA, LP&A are registered to do business here.
If anyone has this information, I'd greatly appreciate it.

I do not think Cashinminutes is legal. I think LTA is a collection agency for them or they are using that name like an in house collection.
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There was a long thread about them and their illegal tactics. You can read it here .
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Here is their information...
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Cash in Minutes
100 East Whitestone Blvd. # 148
Cedar Park, TX 78613
Telephone: (866) 633-3729
cashnminutes.com
(512)340-0890 , (512)340-0745 and (512)340-0493
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They seem to be illegal and use illegal collection practices to harrass people. Send them a cease and desist letter.

Tn is one of those states similar to how PA use to be.?? I would contact the DFI of your state and ask about licensing for these two companies.?? I would also report them/file complaints with??all agencies.

Ok, I have been reading these posts and seeing what people have been saying. This company has harrassed me at work and I have a lawyer. They are refusing to even talk to the lawyer. I am in the process of filing a suit against this company. If there is anyone out there that would like to help or would like to go in on a class action lawsuit, then contact me. This is ridiculous and little do they know they are dealing with a professional as well as law student. Please let me know if anyone is willing to help? I have contacted and reported this company to the FTC, the Texas Attorney General, and I am keeping a copy of everything and sending it to my lawyer. I say get with a lawyer and take the company down. I refuse to be bullied by these clowns...oh yeah, Mr. Phil Davis is the new name the caller is going by.

I too am in Tennessee; i have found myself in over my head as well; i have 10 pdls, owing principle of $2423 (not including fees)
i dont know what to do, because they are eating my whole check, i cant pay my car payment, i am considering debit settlement, what do you think?

AngLynne

Start a new thread with your state, names of PDL's, amount borrowed and amount paid in fees.

Pay the loan off you owe in full then legally they cant debit your account no more....very simple

Okay, so now what should we do. We are all in out of at least 8- 10 pday loans or more. We had to get other pdl so we could pay our actual bills, such as car payment, car insurance, and those of you with children have other bills. I don't even have children, and my whole check is eaten with these fees. I was trying to work with my companies to start payment plans with me, but one of them is trying to do a very un reeasonable payment plan. I cannot afford to pay 89.00 a month right now, if it was lower I could do it. But they refuse. The thing is, I have more than the legal amount of payday loans in tn.. and one of the places actually let my significant other REWRITE for me... so who is accountable? If i tried to go legal, am I not accountable for the amount that I have out? But, are they also not accountable for overqualifying me? And what about the place that allowed my sig other to REWRITE FOR me??? /what of them. That is illegal, illegal, illegal. I am not upset at my sig other, honestly. It is not his fault. In my opinion, it is their fault for allowing him to do it. I cannot afford a lawyer.. but I feel like some sort of legal action is merrited based on my case and many others. What should we do people???

Yal kill me. You go online apply for these loans then get mad or wanna hollar attorney when the company is trying to get their money back. Quit going online and applying for money you cant afford to pay back

Stfu!!

Based on your comment, you probably work for one of these low life, scum sucking collection agencies. Go get a real job.