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payday loan help in Louisiana

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Posts: 22
Credits: 664.5
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Hello all,

I have several pdl's outstanding. Some are in control, others are not. Any advice on how to get out of this cycle would be greatly appreciated.

cash transfer center/northway credit $300 not made a payment yet whole amt plus fees due 11/1

cash central $600 $450 so far fees only

one click cash $150 $370 paid $95 left

netcash usa $350 $420 so far

cashnetusa $150 $65 this week

paydayone $100 $60

fastwire $300 paying last payment of $90 this week

VC funding $250 paid $300 so far

and lastly the one that got away from me that I just basically forgot about

Sagamore $ 250 paid $ 2325 so far

the ones in bold I can handle or are almost finished with

Any advice is much appreciated




kashzan
Posts: 5401
Credits: 40830.4

Sub: #1 You will find the Payday loan laws for Louisiana here (just sele
Tue, 10/30/2007 - 09:34

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




pattonave
Posts: 22
Credits: 664.5

Sub: #2 Thank you, I looked up this info earlier and am in the process o
Tue, 10/30/2007 - 09:40

Thank you, I looked up this info earlier and am in the process of seeing what my options are.




kashzan
Posts: 5401
Credits: 40830.4

Sub: #3 Are all of your loans internet? Please read the sticky regardin
Tue, 10/30/2007 - 09:50

Are all of your loans internet?
Please read the sticky regarding closing your checking account. That should be your first step.




pattonave
Posts: 22
Credits: 664.5

Sub: #4 yes sorry, they are all internet.
Tue, 10/30/2007 - 09:51

yes sorry, they are all internet.




pattonave
Posts: 22
Credits: 664.5

Sub: #5 would it be possible to put a hard debit block on just two of th
Tue, 10/30/2007 - 10:23

would it be possible to put a hard debit block on just two of the companies ( i.e. sagamore and VC funding) while keeping teh rest open so I can pay them off ?




cannr

Posts: 9317
Credits: 129842.7

Sub: #6 reply
Tue, 10/30/2007 - 21:40

Nope. Just being honest. These pdls will use various names, dates, and amounts and hit your account. They will find a way to debit. If they can't get through with ACH, they will then send through an electronic check. Let me tell you right now, Cash Transfer Centers does a "wage assignment". You need to type up a very fast letter revoking any wage assignment you have signed with them. They will send it to your employer in a heartbeat and have the money taken out of your check. Now, wage assignments are voluntary; however, a lot of employers are not educated. Type up a quick letter stating you revoke any and all wage assignments with Cash Transfer Centers, their partners, or any affiliates. Type your name. Email it/fax it/mail it certified. Keep a copy. Give a copy to your payroll person. They LOVE to send out wage assignments. Cover your butt with them.




ladybug

Posts: 2757
Credits: 28244.05

Sub: #7 Follow cannr's advice. Do not hesitate in notifying them of thi
Tue, 10/30/2007 - 21:44

Follow cannr's advice. Do not hesitate in notifying them of this do it asap.

ladybug




whitenan
Posts: 8
Credits: 329.2

Sub: #8 One Click Cash is illegal. Go to the State of Nebraska website,
Wed, 11/14/2007 - 06:46

One Click Cash is illegal. Go to the State of Nebraska website, Department of Banking and Finance, Print a copy of the Cease and Desist letter, and send it with a letter you write stating you know they are illegal, and not to debit your account. I did this, and I also told them I would not pay them anything else. I haven't heard back from them. But when I do, I am ready for a fight. Also, since you reside in Louisiana they MUST follow the Louisiana laws.




goudah2424

Posts: 7938
Credits: 122486.1

Sub: #9 Also, check out the Payday Loan law made simple sticky. Whitena
Wed, 11/14/2007 - 07:18

Also, check out the Payday Loan law made simple sticky. Whitenan has provided me with an email from the LA DFI that is now posted there.




Unregistered

Sub: #10 Nice,this should help a lot. thanks
Wed, 11/14/2007 - 09:27

Nice,this should help a lot.

thanks




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