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what can I do to make this payday loan company stop calling

Posts: 3
Credits: 154.95
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what can I do to make this payday loan company stop calling me at work it is to the point that if they don't stop I might loose my job




SUEBEEHONEY70

Posts: 4590
Credits: 65464.25

Sub: #1 Frances - first, welcome to the forums! We'll be happy to h
Fri, 12/15/2006 - 12:41

Frances -

first, welcome to the forums! We'll be happy to help you in any way we can. Since you have registered, a debt counselor will be contacting you shortly to discuss your options - if you feel you don't need their services, please inform them when they call.

Can you give us more info on the payday loan company you are speaking of, please? The name of the company would be helpful. We're here to help, please feel free to ask any questions you have. It would also be helpful to know whether this is a loan you obtained on the internet, or one you took out at a storefront (a physical retail location.)

A journey of a thousand miles begins with a single step...and becoming debt free is a journey!




frances
Posts: 3
Credits: 154.95

Sub: #2 payday loan
Fri, 12/15/2006 - 12:49

The name of the company is southwestcheck cashing and it was a store front They keep calling me at work to the point the president of the campus came to me and said that they need to stop. They threatened to garnish my checks and I don't know what to do can you please help me my # is 602-760-**** and you can call me in 40 minutes i'll be off work then

Phone number removed for your safety - Mike




weeswie
Posts: 382
Credits: 5782

Sub: #3 Frances, the pdl is trying to get their money back, so they are
Fri, 12/15/2006 - 12:51

Frances, the pdl is trying to get their money back, so they are doing the calls. Their actions will get aggressive if you avoid. I will recommend that you pick their call and explain that you will be calling them back and arrange a payment plan. Tell them you are not allowed to take personal calls at work and ensure that they will hear back from you. While you say this, ask for the latest itemized statement of the account. You will need to review the charges on the account and compare it with the state laws before making an arrangement. Make them feel that you are not avoiding the debt and don't want to be called at work. Give an alternate number for them to reach you.




Ruby
Posts: 119
Credits: 2126

Sub: #4 Frances, call the pdl. Do you have their number? This website is
Fri, 12/15/2006 - 12:54

Frances, call the pdl. Do you have their number? This website is not affiliated with any loan company. You are posting the message on an online message board.




frances
Posts: 3
Credits: 154.95

Sub: #5 payday loans
Fri, 12/15/2006 - 12:59

I do have the number to them but where do I begin to look for arizona state laws and i want to fine for bankrupcy but don't know when or where i don't know what to do everything is spinning out of control and I don't know what to do I'm a single mom of 2 kids going threw a divorce and just seem lost can someone please help I don't know where to begin




Ruby
Posts: 119
Credits: 2126

Sub: #6 Quote:Arizona State Information Legal Status: Legal Citati
Fri, 12/15/2006 - 13:56

Quote:
Arizona State Information

Legal Status: Legal

Citation:
Ariz. Rev. Stat. Ann. ???? 6-1251 et seq.

Loan Terms:
Maximum Loan Amount: $500
Loan Term: Min: 5 days
Maximum Finance Rate and Fees: 15% of check
Finance Charge for 14-day $100 loan: $17.65
apr for 14-day $100 loan: 459%

Debt Limits:
Maximum Number of Outstanding Loans at One Time: One
Rollovers Permitted: Three (extensions)
Cooling-off Period:
Repayment Plan:

Collection Limits:
Collection Fees: $25 NSF fee + actual charges assessed by the financial institution
Criminal Action: Prohibited

Where to Complain, Get Information:
Regulator: Arizona Department of Financial Institutions
Address: Financial Enterprises Division, 2910 N. 44th Street, Suite 310 Phoenix, AZ 85018
Phone: (800) 544-0708
Fax: (602) 381-1225
Regulatory Contact: Robert Charlton,, Assistant Superintendent of Banks
http://azbanking.gov/




SUEBEEHONEY70

Posts: 4590
Credits: 65464.25

Sub: #7 Frances, first of all, take a breath and calm down - you will ge
Fri, 12/15/2006 - 14:03

Frances, first of all, take a breath and calm down - you will get through this just fine.

Bankruptcy - be very careful when considering this option. Please try to check into debt counseling or consolidation first. Bankruptcy laws have changed in the last couple of years, and it is now a very expensive process. The days of the quick and cheap bankruptcy filing are over. This is a very serious step to take, and it will affect your life and your credit for a very long time.

Payday Loan - contact these people and address this issue before you do anything else. This storefront company is probably following the state law, therefore, they will pursue you, and they can take you to court over this - which means they can obtain a judgement against you and garnish your wages, if you do not make an arrangement with them right now. Do whatever you can to make an amicable arrangement with this company, so you can avoid any headaches in the near future. They will not stop calling until you make an arrangement with them.

I, too, am a single parent, and I understand how out of control things can get. Please take a few moments tonight to sit down and map out a game plan for this situation you find yourself in. Create a budget, figure out what is most important to be paid first, and work from there. We are all here to help - please feel free to ask more questions if you need more help.

A journey of a thousand miles begins with a single step...and becoming debt free is a journey!




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