Ok I will start with the basics.
I am in ohio
I have 7 different loans. Below I will list them by physical and online
The first 3 are physical stores I go to
Money Mart- Loan amount 423.00 on my 2nd loan same amount. Paid 467.76 reborrowed.
Check smart- Loan amounts 400, 600, 600 paid back 450, 687.50
First American Loans bunches of them right now owe 587.
The 3 physical stores I can get out of paying off...
These are the online ones
Rise credit.com- borrowed 800 paid back 1066, borrowed 800 again
Acecashexpress.com- borrowed 750 I can't access my account right now to see totals of all paid back, but I have been paying on it for around 2 months, about 160-170 every 2 weeks and owe
Checkngo.com- borrowed 500 and 500 paid back that amount, borrowed 725 owe 913.20
Cashnetusa.com-borrowed 800 have paid 820 and owe 820.
From suggestions on this site I have emailed cashnetusa, and checkngo so far. To tell them I am not able to pay, and to stop all ach transactions and C&D. Checkngo which comes back with @axcess-financial emailed and said account had been updated to not ach. nothing more. Cashnetusa sent 2 emails, one telling me they understood I could not pay and to contact collections. Another saying they do not have to stop ach as their ach doesnt qualify as pre-authorized. I have the emails if anyone would like to see them.
I am at a total loss with the online ones. I can not get out of the trap.. are all of them legal? what can I do? I am not trying to get out of paying what I actually owe, but I can not keep going paying 1600 on an 800 loan.. any help greatly welcomed.