Texas payday loan help

Posts: 34
Credits: 1575.05

Ok, I am in texas and have 6 pdl I am about to close my bank account and default on them all but I wanted to make sure I do everything that I'm suppose in order to make this work.

ImpactCash/E-Cash- $300 have paid $270- online

Paychecktoday- $250 have paid $300- online

Cash Advance Network- $250 have paid $275-online

LoanShop- $200 have paid $180- online

GFS- $200 have paid $855- online

BIG- $225 have paid $940- online

Before I close my account am I suppose to contact a processors? I'm really not sure what I need to do. Can someone help?



Debt Samaritan
Posts: 1444
Credits: 16882.05

Sub: #1 What state are you in, the
Fri, 03/29/2013 - 12:09

What state are you in, the amounts you originally borrwed and the amounts you have paid back so far?


Sub: #2 Payday Loans
Fri, 03/29/2013 - 05:38

I have 5 payday loans, Cash Store, Ace Check Cash, Payday One(online), Cash Advance America, Think Cash(online) 4 of these are 3 years old or more. Will these affect my credit nd wht can I do to get rid of these payday loans

Posts: 2
Credits: 20

Sub: #3 Multiple PDLs in Texas
Wed, 03/20/2013 - 17:25

So I have the following loans in Texas and am ready to stop drowning in them.

TLC Loans - $1,1000

Speedy Cash - $750

CashNetUSA - $1,300

Ace Cash Express - $700

Western Sky - $2,525 paid back $1,200

Cash Store - $1600 paid back $770

Any info on any of these companies would be great. I've been able to pay the top 4 with another PDL but I want to be rid of these before moving in with boyfriend and getting married.

Posts: 2
Credits: 20

Sub: #4 Ugh, Cash Central is through Western Sky
Wed, 03/20/2013 - 17:18

Cash Central is who Western Sky sells their loans to. I'm currently dealing with them and they are a tribal lender out of the Cheyenne River Sioux Reservation, which acts as an independent nation within the US. I'm not sure of their legality.


Posts: 1891
Credits: 28868.868504119

Sub: #5 when I typed in Think Cash
Thu, 01/17/2013 - 15:07

when I typed in Think Cash.com it took me to Plain Greens website interesting - Plain Green is an illegal tribal lender... So I am guessing so is Think Cash..Not sure about Cash Central - someone else may know more about them . Follow the link in my signature below on how to deal with the ones that are unlicensed or illegal.I would recommend registering with the forums and start your own thread with your questions - at top of payday loan help - ask an expert.. 

USA Payday Loan Laws
How to deal with illegal lenders, step by step instructions, courtesy of OhioGal
How to write a proper debt validation request, courtesy of SOAPLADY
How to deal with a Collection agency contacting you for PDLs, courtesy of Waffles


Sub: #6 loans
Thu, 01/17/2013 - 08:04

can someone tell me if these are legal in texasthinkcashcashcentralplaingreen loans


Sub: #7 check & Go
Tue, 01/15/2013 - 22:57

I recieevd a payday loan in jan of 2011.I wrote 2 post dated checks thy were suppose to draw it out of my account and never did.Hre is my problem now I am rcieeving phon calls from a collction acency saying they are putting 2 felony warrents on me because it never got paid.The loan was for 400.00.Can they legally charge me for 2 felony fraud charges when I gave them the checks to run through?


Sub: #8 Single Mom with Online PDL Living in Tx In Need of Your Help Ple
Sun, 10/14/2012 - 06:25

New to the form- Need help ASAP Please. I live in Texas & I have 4 PDL. Two I defaulted on Friday-10/12/2012 & my bank account is closed.
Defaulted Loan-
Payday One-Loan Amt-$950.00 renewed 1 paid interest in the amount of $232.75
Amount owed with NSF $1219.51. Payday One contacted me by email, have yet to reply.

Defaulted Loan-
DiscountAdvances-Loan Amt-$900.00 I always pay in full & take out a new loan to cover expenses. Should have repaid $1073.00 on Friday, 10/12/2012. Discountadvances has not contacted me as of yet.

Plain Green Loan-
Loan Amt-$2200.00 Pay $124.40 every two weeks. I have paid 19 payments which total $2363.60
Great Plain Loan-Loan Amt-$300.00 Pay $71.89 every two weeks. I have paid 4 payments which total $287.56.


Sub: #9 PDL company Installment loans
Tue, 06/28/2011 - 11:24

Do these fall under the same guidelines for collection?


Sub: #10 hello, i have a debt with "NCP Financial Limited Partnershi
Wed, 03/23/2011 - 22:18


i have a debt with "NCP Financial Limited Partnership", my original amount borrowed was $700 in around July 2010, i've been paying them monthly, but the total just won't come down, right now my total due is $1740, i've been paying around $400 a month, i am in Texas, what can i do, i've alraedy payed my original loan more about 4 times, interest rate is 577.07%. help.


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