Payday Advance Companies Posts

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Payday Advance Companies in Q&A

How do you know which one of the payday advance company are trustworthy? SENDER reply to me that the missing funds is availble by name for Teresa Brajdich. I was trying to sign on line to get payday advance and their for I gave my personnel information to them. the next morning I had open my email. this company inform me that money is ready and approved by them.

toocool4skool replied: "oh dear. u just had to get yourself into this trouble. if cc are snakes that will bite if you play with them then this is the biggest snake that will swallow you whole and alive. stay away from payday lenders. the interest rate is killer and you don't have to go to them for money. why don't you save your check and do whatever it is that you need to do cash paid? just wait save enough $$ and go pay for it. get the book Total money make over by dave ramsey. it will teach you alot about personal financing and what i am telling you."

STEVEN F replied: "I don't CARE if any of them are trustworthy. ALL of them are RIPOFFS."

can I break an online contract with a payday advance company? I was looking for a payday advance online and was denied by all. Apparently I consented to a fee of $150.00. I received no services from them but the charged my account. Is there anything I can do?

Michael H replied: "If on a credit card, dispute the charge"

Funkanimus replied: "That sucks. They are taking advantage of people who they know will not have the money to fight them in court. Report to Better Business Bureau and to FCC as fraud. They both have consumer complaint forms and numbers on their website. They may waive the charge to get the feds off their back. It sounds like you may have been taken by a scam. Definitely dispute the charge with your credit card company. And next time, read the fine print."

Can a payday advance company send me to collections if I don't pay back? A co-worker borrowed money from a check 'n go, but has no money to pay it back. She put a stop payment on the check, and has refused to answer their calls. Can they send her to collections or subpoena her to court?

latrailera2000 replied: "Yes"

granonononola! replied: "They can send her to collections. Be glad they can't come break her legs. It used to be "legal." Try to help her, if you can. And help her not spend her money so bad anymore, maybe. If she listens to you, that is."

Tee replied: "I don't know where your friend lives, but here in Florida if you don't pay they do call & try to give you a break like a grace period...but not for much longer. It's considered a bad check. I know that the bad checks are sent to the State Attorneys office and if you ignore that after a while there is a warrant for your arrest. (did not happen to me my husband)"

*Cara* replied: "Yes of course they can. They can also take her to court. She basically stole the money from them by putting a stop payment on the check. She needs to find a way to repay them. Can or are you willing to help her? Those places are ruthless about getting their money back."

Dave replied: "Yes, they can and will. In California, you can ask any bill-collectors to stop calling you, whether the bills are current or old, and legally, they have to stop. They can still send you bills after that, and you still owe them the money, but they can't call you anymore."

Bob replied: "They will do everything in their power to get the money without going to collections, because collections will cut down their repayment by about half. So, they'll harass and threaten her for awhile. Then they'll go directly to the bank with her checks and see if they can get a cashier's check from it, even if it overdraws the account the bank may do it. Then they'll threaten her a lot. Finally, it'll go to collections. She's better off doing anything in her power to pay it right away, even if it means selling blood, getting a second job, whatever, because it's going to get a lot worse before it gets better."

wrkey replied: "She can't just 'stop payment' on the check. These companies make these loans based on the check that is written to them. By putting a stop payment on the check, you friend has basically written a 'hot check' and can be prosecuted for it. Now, this company will probably do the following: 1. Once they discover the check is 'hot' they will begin the prosecution process which means that will notify her by certified mail to make good on the check. 2. While they are waiting on the response, the interest charges will continue to accrue and they will be EXTENSIVE (as much as 40% per annum) plus they will tack on NSF charges, lates fees, legal fees, etc and then charge interest on that amount as well. 3. If you friend ignores the request for payment, after two weeks from receipt of the letter (or denial there of) the company will then file with the DA's office and pursue hot check charges. A bit later your friend will be notified that she is being charged and will have to respond in court and/or have a warrent issued. 4. Step 3 can take from 1 month to 3 months, in the mean time, interest will continue to be charged along with all other fees and legal expenses. (See #2 above.) 5. When the day does come in court, she will be found guilty because she wrote the check and then stop paid it. Then she will not only have to pay back the loan company but also the court cost, fines and possibly jail if she has any other charges prior. These advance companies are a huge rip off and they lure people in with their 'quick cash today', gloss over the fine print and the poor 'customer' will find theselves paying back twice (or more) than the original amount. I suggest your co-work find a second job, sell something or find some other way to get the cash to pay these 'legal loan sharks' off. Good luck and I hope this helps!"

acermill replied: "They can do both. A payday advance firm is nothing more than a short term lender with terribly high interest rates."

julz49221 replied: "Jeeze this Co Worker of yours sounds like a real loser. She needs to get her head out of her ass and start paying off her debts! The police can come and arrest her and take her assets away if she signed a document that she has put her vehicle or other possesions up for collateral against the loan. She needs to be hung by her toenails for scamming those poor check n go people! My mother works at check n go!Thats why the economy is so piss poor, due to losers like her! If I saw her on the street I would beat her up!"

In dire need for info on a personal loan of $1500 without going thru payday advance companies & interest? I am single mother of 3 teenagers. I went back to college at the age of 47 to become a nurse so I could provide for my kids. I am now 50 and my landlord of 6 years has evicted us so he can move in due to financial problems. I understand his situation, but, I've only had 30 days to find a place and save up $3000 to move. We have to be out by Nov. 1st, 2007. I have found a house close by so kids won't have to go thru new schools at the end of high school. However, I only have $1500 saved and only 11 days to save the other $1500. I'm so afraid we will all be homeless. I just want to help my kids and provide for them, but it only takes one incident to start sliding out of control. I love my children and they're trying to be so supportive, but I'm working nights 5 days a week, 12 hour shifts and I'm so worried we'll be on the streets. Please, any info would be appreciated.

Paul Ding replied: "If you need $1500, and you're adamant about paying interest, you have basically two choices: relatives or, ahem, "gentlemen friends". But you wouldn't have posted if your mother were alive and willing/able to loan you the money, would you? Maybe you better rethink the thing about interest."

magnumtripod replied: "not really the best idea, but go to the casino and and place 500 on the 1st twelve and 500 on the 3rd twelve. its still a gamble but you have a good shot at winning. just do that a couple times until you get the $1500 and then leave...its worked for me"

SirWilliam replied: "...I understand your concerns but how do you plan to pay back the money... and why don't you use a "loan" company in your area to hep you... that's why "they" are in business...to lend money... you can write me... check my profile..."

moon 111 replied: "You can use Prosper - - They offer Peer to Peer lending and borrowing and you can get a $1,500 loan in less then a week!"