Need MAJOR HELP with pdls

Here is the link to your state's pdl laws:http://www.paydayloaninfo.org/state_detail.cfm?id=AR I will pm you with info on your options.

how do i receive a pm-kinda new at this

Do you notice the first link to your left at the top of the page that says " You have no new messages" ? It will say 1 message received when someone PMs you. You can also send a PM to any member here by clicking their PM button.

thanks-this dennis guy is it going to cost anything to speak with him? If i put a stop pay on those debits, won't i be sued?

No, there is no cost for the consultation. But like T&C and other consolidaiton company there is a fee based on your debt which covers the cost of their services. You can check out your options and then go with what you feel more comfortable with.

Regarding the stop payment, this is the law in your state.

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What can be done after i talk to a consultant? Will the loans be consolidated so i make one payment or will they continue to debit my account?

The same goes for TX pdl law. I suggest you follow the advice of the person you choose to do your business.
I definately wouldn't do anything with the account until they advise you.

Steelers 1 i went to the link you gave me and read through the website. Does T and C work with other creditors too or just pdls?

Do you think that I could call the loansharks and talk to them about the fact that i've probably overpaid them and maybe convince them to mark my account as paid

I don't think T&C has a website. You could send the loansharks the settlement letter from this website. I will post the link. YOu just insert your state's pdl laws. Then you fax, mail, and e-mail it to them. If you don't have access to a fax just send and e-mail it to them. Just get it to them. You will demand that they mark your account paid in full if you have already paid back the principal and interest rate. If you have been paying the roll over fee for quite some time then chances are you have paid back the principal and legal interest rates. If not then you just deduct the legal interest rate from what you have paid in roll over fees and then the balance of that you would apply to your principal.

Here is the link to the settlement letter:
http://pollyandsay.yesdebtfree.org/template-letter/

how do i know if the pdls are licensed in arkansas

If these are internet pdls, I can almost guarantee they are not, but to check call your AG's office they can direct you as to who to call. Many times this can be a quick phone while the other person looks up the information for you.

If they are not licensed in ar, what can be done to them?

Arrowhead Investments tried to debit my account a day early (thursday instead of friday) and caused my account an insufficient funds fee, then debited my account today for their $90 plus $30 for their supposed returned item fee. Is there anything that I can do about them debiting my account a day before they were supposed to?

Welcome to PDL double hockey sticks you are among the many and the under privaledged to be taken in by these scum but isn????????t that the American way for the working poor to be taken advantage of. Anyhow I have 4 PDL out myself and pay $10 a month that????????s all I can do. Make sure you realize that while this feels like the end of the world it????????s not. They will try and scare you with threats of imprisonment or garnishment of your wages heck I have even read here where some jerks have threatened to have kids taken away. It????????s all scare tatics and mean NOTHINg. You do need to close your bank acct and open a new one also get your phone number changed so they can????????t stress you out anymore Use this board to find out address????????s and create your own terms for paying these jerks back (I know some of you won????????t agree with that sorry) but make sure you pay them back over time, a debt is a debt even with these fools but you don????????t have to pay inexhorbatrent service fees and interest. Also make sure that PDL is legal in your state unfortunalty I wasn????????t able to fall back on that clause. Good Luck and keep posting away

sonyamay16, did you get the instructions I gave you in the pm?

How do I send them a letter revoking their right to electronically withdraw money from my account.

Have a look at this template letter at http://pollyandsay.yesdebtfree.org/template-letter/ and see if this fits what you need. Good Luck :D ..Karen

I just want to prevent them from withdrawing money from my account. I have contacted a consolidation firm to help me, but while i'm waiting on that paperwork, i don't want the pdls to access my account.

You can either put a block on the companies at your bank to prevent them from debiting from your account, but in the end it is probably safer to just open a new one and not give out that new account info.

Listen to Steelers even if you block ACH they will try the old papercheck routine. And get by with it they have did it to me before. Good Luck KYSIDE38