Langhonre Debt Solutions

Mellis--There are a few people here that are working with Langhorne, in fact the man that owns the co. is a member here!

Welcome to the forums. Which company are you working with?

Mellis:

I am a Langhorne Client. They Have done an execellent job for me so far. 6 paid in full and 3 refunds so far. And they have got the jackals to stop calling me. Feel free to PM me for more specifics if you need.

Hi guys, thanks for the kind words.

As far as what company I'm dealing with, well, there's a few of them. More than four, I'm sorry to say. (Langhorne won't take you if you have less than that.)

I just wondered if this was something I should do myself, or do I need Langhorne's help. It seems as though the majority of you guys took care of this on your own (I've been lurking), so why shouldn't I? Is there a recommended amount, or number of companies where you all would say, "Whoa, best call Langhorne, you're in over your head."? (I'm in PA, and all my PDL's are with internet lenders.)

I feel so dumb for getting in this mess to begin with, but now it's time to buckle down and get it taken care of.

I got into the whole trap during a bad time, and now I've taken out loans to pay back old ones. I promised myself I could handle it, but guess what?

I guess that's why they call them predatory lenders, huh?

mellis1967--

What companies do you have internet pdls with?

mellis1967.......

Take heart,we have all been in your situation!

My bet is that you can take care of these yourself. Others in this forum have.

Some of these "Debt" companies have shady reputations as you can read for yourself in previous posts.

Good Luck!

mellius1967, go to www.paydayloaninfo.org and look up PA laws. POayday lending is Prohibited in your state. The max you can pay in principal is 24 percent per year. You can fight this these internet loans are not LEGAL in your state. KYSIDE38

I have loans with:
paychecktoday
cashnetusa
loanpointusa
OSL Marketing/FSM Group
500FastCash

There may be one or two others, I'm not at work, so I don't have access to some of my stuff.

Jeez, isn't that pathetic? I don't even know how many I have...

I had one with nationalpayday, but I think that one is completely paid off.

Guest what state are you in? KYSIDE38

Guest--

Cashnetusa is licensed in most states and loanpointusa is a dba for Geneva Roth. What state are you in?

Is 500fastcash in any way affiliated with cashnet500 b/c I know cashnet500 has a sister company called fast cash?

Crap... the system must've logged me out while I was trying to find out how many loans I had. I'm the one that posted this:

I have loans with:
paychecktoday
cashnetusa
loanpointusa
OSL Marketing/FSM Group
500FastCash

There may be one or two others, I'm not at work, so I don't have access to some of my stuff.

Jeez, isn't that pathetic? I don't even know how many I have...

I had one with nationalpayday, but I think that one is completely paid off.

(And as I mentioned before, I'm in PA.)

500 fast cash is affilated with Rio. Mte. Just another one of their alias. KYSIDE38

I thought that none of them were "licensed" in PA, since payday lending is illegal?

So that means that they're allowed to lend to people in PA, but not operate a brick-and-mortar in the state, right? Does it mean anymore than that? Does it mean that I still have to pay the ridiculous interest?

And one more question, if payday lending is illegal in PA, how come there are Check 'n Go's all over the place, and "Cash Advance" signs in all of the local check-cashing places?

mellis1967--
Here is some info regarding payday loan info in your state.

Quote:

mellis1967, I would send them each a certified letter stating that these types are loans are prohibited in the State of PA, cite your sources for this information and demand that these account be marked PIF.

Mellis1967--

I'm looking for cashnetusa's license # for PA. I haven't found it yet, but I do know they are licensed in most states such as mine which is OH, b/c I found the license #. Maybe cashnetusa doesn't carry a license in PA. Sorry for telling you they are licensed in your state when they actually might not be.

Ashley,

You think that would work? I mean, most of these loans have the rollover option, but I really don't think that I've rolled them over enough that I've paid them off, plus legal amounts of interest.

Even with all that, I can demand that they be marked paid in full, simply because they're prohibited?

It's all a matter of how you want to approach it, myself I would pay the principle back and be done with it and let them TRY and get anymore money out of me. You can also take the approach that these "companies" know they are illegal in the state of PA, why should they get ANY money from you when THEY have commited a crime, the loan is illegal. It's a matter of what you can live with. Have any of them debited from your account yet?

but I do think that if you demaned a PIF statement with back up sources and citations that you would get it

Yeah, Ashley, they have. I don't have all the information handy, so I'm not sure if I've paid back the principal on any of them yet.

Hey everyone... I went to my bank yesterday, and transferred my account to a new number. They're also going to automatically transfer my direct deposit into my new account on Friday, then I'll have to do the paperwork through payroll to get my subsequent checks to go in.

My question is, what next? My payday loans are due Friday, what should I do? I want to try to do this myself, if possible, but if it's going to be too difficult, I'll consider Langhorne.

I have 5, and I hear a lot of you saying that you have taken care of 3 times that many on your own, so I guess I'm thinking I can do it... just not sure where to start.

All my info is in this thread somewhere, so I won't repeat it.

Thanks in advance.

You've got to pay back at least the principal..You did borrow the money...

If they are prohibited in your state, then just pay back what you borrowed and demand the loan be paid in full at that point. If you haven't paid back the principal, offer them what is left to pay it in full.

That's what I thought, and I'd fear some sort of cosmic retribution if I didn't.

So save the letters from Polly's blog for those that I have paid in full and then some?

You can use the letters, just edit them to inform them that they are not legal in your state, and that you borrowed X amount. you owe x amount to them to pay back what you borrowed and that is all that you're going to pay. If they have a problem with that, then you will just have to report them to the AG's office...of course you don't want to sound that snotty, but you get the picture. :)

Mellius, Welcome to the forums. I havent welcomed you yet. To answer your question. Payday lending is prohibited in your state. Storefronts can get by with this because they have a bank backing them. We used to have First American Cash Advance in WV. They were backed by a bank in South Dakota. Thats how they get around it and are legal. The internet ones are not legal there. KYSIDE38

Can someone explain this Langhorne Law place to me. I got a call this week from a not so nice lady there threatening to fax a letter to my HR dept. saying that I had committed fraud. Is this the same place that is helping other people?

Hi greenrhino, welcome to the boards if you do a search you will find many threads in regards to this subject. We will be glad to assist you however we can, keep posting

Hi Greenrino,
I know that Langhorne used to do collections for PDL's, Nationwide Cash in particular. Was this call in relation to a PDL or some other type of debt?

Greenrhino, please provide details. Is the letter from Langhorne? Is it regarding a debt plan you entered with them, or is it for a payday you owe?

It was about a PDL I had with Ambasador. Anyway after arguing with the guy for about 30 minutes I told them I would send the $150 he said would settle the account. If I didn't send it then they were going to send letters to my HR Dept. saying I committed fraud. Anyway, he told me to send the money through Western Union Quick Collect to Langhorne Law. The phone number to the place was 877-711-1199.

It's not fraud and don't give them any money until you get this mess straighetend out

Greenrhino, Interesting information once again. Why did they tell youn to send to Langehorne? Thought he was not theyre collector anymore? Very interesting!!! KYSIDE38

Kyside is right, I thought he wasn't their collector either??..Karen

That is interesting! Hmmmmmmmmmmm

I have 9 payday loans out and just lost my job yesterday. Please tell me what I need to do. These are the companies that I have loans with:

Paychecktoday $300 + $90 interest
ZipCash $500 + $150 interest
OneClickCash $250 + $75 interest
Soniccash $500 + $100 interest
Cash2daylimited $275 + $80 interest
ameriloan $400 + $120 interest
LoanPointUSA dba Geneva Roth Ventures $300 + $90 int
XpressCash dba DMS Marketing LoanShop#1 $300 + $90 int
XpressCash dba DMS Marketing LoanShop#2 $300 + 90 int

I don't know how I am going to pay these off now that I am out of work. I kept taking out a new loan to pay the interest of old loans and it kept getting worse.

Please help!!!!!

Here is the link to your state's pdl laws. You need to close your account and open a new one for starters.

http://www.paydayloaninfo.org/states.cfm

Steelers1...thank you...i am a big steelers fan too. Hopefully you can help guide me in the right direction. I plan to close the banbk account and open a new one on Monday morning. What is the next step? Please advise.

pjblake--

Do you plan on opening another account at your same bank? If so, is there anything pending in your account? Just asking b/c my bank wouldn't let me close my account until the pending items actually posted.

brownsugar....they is nothing pending...my last direct deposit will in on the 22nd and the pdl's will try to hit on the same date. I plan to open an account at a different bank to avoid the embarrassment. any suggestions?

There is no problem with going to another bank. Just make sure that you let your payroll know that your account is closed and not to send your paycheck to that account. Get in touch with your Payroll Dept. ASAP!!

I am not closing the account on Monday. I am going to the bank to place a hard stop freeze on any ACH debits from hiting the account. The bank told me only credits can hit and I can still make ATM and teller withdrawals. On 12/22/06 I will take all the money out and close the account and open up with a new bank. what do you think?

If your bank can GUARANTEE you that they can put a hard freeze on the account and not let any debits come through, then you should be fine.

from what they tell me they can but who knows

I'm just kinda skeptical of the matter. I've heard of people saying their bank wasn't supposed to allow something to go through and it did. Is it too late to stop the direct deposit with your employer and get an actual paper paycheck?

This was one of the last ones I have to deal with and the only one I have sent more money to. At first they kept saying Nationwide financial so I assumed it was the place I had taken the loan out with. Then when it came time to send the money he said to use the Langhorne Law quick collect account. He did continually say that they were located in New Mexico. I would just like to know what exactly is going on with this Langhorne law place. Are they helping, hurting, or a little of both?

I have no cl8ue and would love to know myself. I called them up and said I owed like $2500 in loans and they said for $175 a month they can pay off all these loans in 1 year.

PJ Please be awrae that the payday companies will also try the paper check routine. They will put a check thru numbered 1 or 9999 they have been doing that a lot here lately. KYSIDE38

I know I have heard. I look on my bank account online and everything comes through as an ACH debit. I haven't contacted any of these pdl companies yet until I get my money out first and close the account. Then I will contact them. Is this the right thing to do?

PJ what I am saying dont wait until the day it hits. They wont be ACH debits but actual checks thats how they get around it. KYSIDE38

I know that they tried to do ACH debits from my account a few months ago when my direct deposit hit late and the ACH debits were returned. so i don't know how they will hit as checks.