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Hi,

I am starting another thread as I need your help badly!
I was ready to send my C&D letter to PLS. They advised me that no EPP is available to me as I have a Smart loan as opposed to a PLRA loan? I've never heard of these things.

They said I can get back on my payment plan if I bring in the interest by end of week which is $352.93. I don't know what to do... Has anyone ever heard of Smart Loans or PLRA or whatever loans?

Please respond asap as I am in dire straights!

Thank you,

:!:




hello,being from illinois too i can help if you can provide the following.

is this a storefront
have you defaulted already
which storefront if it is a storefront.

this info would help greatly.

Sub: #1 posted on Mon, 07/28/2008 - 21:28

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

Yes it is a storefront _PLS Loan Store
I have defaulted and got the notice they were doing the VWA

Sub: #2 posted on Mon, 07/28/2008 - 21:39

Unregistered


i never heard of smart loans either,but have you spoken with the manager.you see since you defaulted try to speak with the
manager and see what you can work out.they really don't want
to invoke that,but they will.also if you revoke it they can get a
judgement to garnish anyway.your best bet is to speak to the manager.one last question,when did you get the VWA letter of
intent?

Sub: #3 posted on Mon, 07/28/2008 - 21:46

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

I just got it on Friday July 25th

Sub: #4 posted on Mon, 07/28/2008 - 21:52

Unregistered


Moving up

Sub: #5 posted on Mon, 07/28/2008 - 22:32

Unregistered


i would try to speak to the manager and see what you can work out.it might not be too late to get an arrangement to repay in place.

Sub: #6 posted on Mon, 07/28/2008 - 22:38

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

They won't make arrangements other than the 352.00 every two weeks. I can't do $700.00 a month, but I can maybe do 350 a month if they would work with me.

Sub: #7 posted on Tue, 07/29/2008 - 00:27

Unregistered


did you speak to the manager?it doesn't sound like they would
get much more than that if they got a court ordered garnishment.the limit in IL for garnishments is 15% of disposable income.that means after all deductions are made.let
them know this.

Sub: #8 posted on Tue, 07/29/2008 - 00:32

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15506 | Credits: 1356.56)

SCAM ALERT!

THERE IS AN ASHLEY T SELLING HER "I CAN RIP YOU OFF TOO" LOANS ON THIS SUBJECT ON ANOHTER THREAD!

PLEASE DO NOT FALL FOR THIS :!:

Sub: #9 posted on Tue, 07/29/2008 - 15:44

Lukeskywalker Lukeskywalker

(Posts: 1909 | Credits: 185.22)

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