Your Questions About Payday Loans In Georgia

January 30, 2012 by Loans Guide  
Filed under Payday Loans

Sharon asks…

can you tell me the fastest payday loan company?

can you tell me a fast simple payday loan service not a refferal spammer service an actual loan provider thanks i am in georgia

Loans Guide answers:

U should run as fast a you can from a payday lender. If u have to have money fast. Go to a small loan company. The rates will be higher than a bank but not nearly as high as a payday lender.

Ken asks…

Are payday/cash advance loans prohibited in GA????

I have been on the internet for days now looking for a location in GA for a payday/cash advance…I have come across many websites, but all have the fine print..none can be done in Georgia. Can someone please refer me to a payday/cash advance location in GA??

Loans Guide answers:

Yeah check out http://www.discountadvances.com. There’s nothing mentioned about GA.

Please check them out and use referral code: XJNZQE

Nancy asks…

Does anyone know the site for filing a claim for the class action suit in Pennsylvania against Advance America?

I received a post card in the mail regarding the class action suit against Advance America for Pennsylvania residents who took a payday loan from them and were charged exorbitant rates. I lost the postcard and can’t find any information about this suit, only the one in Georgia. Anyone know where I can go?

Loans Guide answers:

Have you tried Googling the keywords into a Google Search Bar?

Maria asks…

Someone keeps calling my phone saying that they are a lawyer?

A lawyer keeps calling my phone saying that a payday loan company based out of California has my social security number and all of my information. They are saying that I took out a $250 loan and a $1,500 loan with them and have not repaid them. I can barely even understand this lawyer person because he is a foreigner. I do not even know where this is coming from because in the state of Georgia we cannot take out payday loans and no one can give us a payday loan. He is saying they are going to sue me for $8,000. I don’t know what to do!!!! Please help!!!! Is this person even legit. He won’t even tell me about the website that I supposedly got the loan from.

Loans Guide answers:

You are being scammed. This guy is no more a lawyer than the first guy who answered your question is.

A professional attorney would send you a letter with all the information you need about the loan.

You probably should contact your local police about this. If you can punch *69 on your phone, after the guy calls, and try to get his number. That will give the police something to go on. Or, you can contact your phone service provider and ask them where the call is coming from, that it is a scam, and you want to report it.

Sandy asks…

can a collection agency have a warrent issued for my arrest if i do not pay on a loan?

i made a payday loan four and half years ago using a post dated check and they are telling me that if i do not pay that they will issue a warrant for my arrest. they are located in Atlanta Georgia. Do they have a legal leg to stand on to recoup their money in this way

Loans Guide answers:

It depends.
If you wrote a check without having the funds to cover the check, you are guilty of writing a hot check.

Check Georgia statutes of limitation on writing hot checks. If the statute of limitation has expired, they cannot put you in jail.

However, keep in mind that the statute of limitation in Georgia is six years on written contracts. The collection agency cannot have you arrested for owing a debt. All they can do is threaten until they take you to court and get a civil judgment against you.

Will they do that? That depends on the size of the debt and their ability to collect on the judgment,

Good luck

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Your Questions About Payday Loans Without Checking Account

January 19, 2012 by Loans Guide  
Filed under Payday Loans

Michael asks…

payday loans…. Not check loans sorry.?

I got two payday loans and you have to write a check without money in the account to get them. My bank closed my account because they charged me over $285 in overdraft fees for a $10 preauthorization. I am fighting with the bank over this as it should not have happened. In the meantime the two checks that are in payday loan will be deposited to my account. Since it is closed I want to know how much trouble I am going to be in. I do not have the money to pay them in full.

Loans Guide answers:

Hello,
if you seeking a legit Payday loan then this is great ! Payday cash advances are for individuals who are short on cash in the middle of the month, and have no other way of receiving money to cover their expenses. We can receive up to $1000.00 overnight. It doesn’t get any easier than that. Once approved, your Faxless Cash Advance loan with be transferred directly to your checking account promptly, and securely. Now you’ll be able to use the cash for all your necessities, and urgencies.

Http://faxlesscash.com/?affid=7470

• 100% secure and processing
• No credit check-No faxing
• Quick online approval
Excellent customer service
• Get Cash in Minutes!
Good luck

James asks…

I have bad credit..Payday loans messed up my bank account. I need money by Monday 5/14/07 help?

I need aloan to pay off my childrens tuition, pay my summer tuition, and reregister my girls for the fall. I have a great job, but had a family crisis( oldest daughter got Lukemia) and I had to pay for treatments til Medicare was approved. I had a few payday loans, payng on time, until one of them went in a day early and tried to get their entire balance. That was not the arrangement, and they messed up my account, which caused a trickle down effect on every other account that was ACHed from that account. Not to mention the bank bounce check fees. I am working on getting those items corrected but now I need $4000. Any idea where I can look…fast. Without this last payment, my daughters will not be able to take finals and they will have to repeat the entire grade. I can verify all I have said. Please no scam artist saying they can give me a loan at 3% knowing they are going to charge me for living in the US and you will never see the money. ( They are on report now)
Did you read the part about the bad credit. I need lenders almost like loan sharks that will lend to anyone, like me with bad, terrible credit. I am considered high risk. I need a lender who will give me a chance despite my credit score.
Let me express something. I have no family, part of my debt comes from the house that was forclosed on when I had my stroke, and I loss everything in it, and the payday loan thing. With that said, it is not that I run up debt, I live in a cheap 1 bedroom so my girls could go to that school, and yes I will take a semester off if I have to. The point is I still have to pay their tuition for this month and register them, or they will loose their spot. They are twins and they were born with problems so I have to keep them in this school or they will fail ( i’ve tried public it was like pre school they are 14.) Also as far as identity stealing, I work for the government agency that lost the hard drive with all the employee information. I asked for ideas not criticism if you read the post you will realize that I don’t live large or beyond my means, I just have to live and keep my kids alive ( cancer kid… hello) My sneakers are 4yrs. old please.
You see what I mean about the scam artist??? Jeff Norberts one of them.

Loans Guide answers:

Wow word inc that is really tough, I cant begin to even try to understand what that is like, email me at anieves_89@yahoo.com if you can, I cannot say that my method will get you the money by the 14th, but it might help you out in the long run, take care

Susan asks…

What can I do to get $560 by Monday without borrowing or loaning it? I have a job, just no work. Please help!?

I received a letter from the prosecuting attorney, a 10 day notice that criminal charges will be filed against me unless I pay this debt by the 17th of December.This couldn’t have come at a worse time. I am in construction work and the past few weeks have been slow and my savings have been used on necessities. I have bad credit and no checking account so payday loans are not the answer. My family and relatives are also struggling financially so they cannot help either. All that I can do is pray and put this out there and maybe someone can help me figure it out. Thank you.

Loans Guide answers:

If you own the title to your car you could go to a title loan company. Good luck.

Donald asks…

Where can I get a payday loan without …?

Having my paycheck DD? And also being on the job for under 6 months. I have a checking account.

Loans Guide answers:

By my experiences, and alot of serious research, you should only work with established, land-based, payday lenders. Many of them also have on-line sites.

Additionally, do not, never ever, borrow from more than one payday lender at a time. This is how many people get into trouble with payday loans, by over extending them selves beyond the qualified amount given by a lender. Http://www.americaschoicetoday.com/Payday-Loan.html

Jenny asks…

Can I default on Internet payday loan without wage garnishments & prosecution?

I live in NM & I am on the verge of total financial collapse with payday loans. I am on the verge of being homeless. I read on this forum an previous answer from Badonkadonk & the answer was to close my bank account & to take control of my whole check. I think I cannot be prosecuted in NM. What will happen if I do close my checking account, thus not allowing ACH payments & opening up another account. What if I choose to default completely? Will it be reported to the credit bureaus? Will I be forced to pay no matter what? I need some good answers please. I am desperate.

Loans Guide answers:

Well, your in a pickle, and no mistake.

One problem is Most banks won’t actually let you just close an account. Most require a 1 month waiting period after you tell them you want to close your account and sign the paperwork. They do this specifically to prevent what your doing-closing an account from which payments may still be owed or sought. But you can try it…

They’ll keep coming after that money…

I’m not sure what you can do at this point, a lot of people have become homeless like this lately…

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Your Questions About Payday Loan Scams

December 19, 2011 by Loans Guide  
Filed under Payday Loans

Sandy asks…

I just wanted to know if Fund My Payday Loan is a Scam. Can I trust it? I need your help!!?

Loans Guide answers:

I would suggest that using any service offering anything associated with or involving Pay Day Loans is detrimental to your short, medium and long term financial stability.

Stay away from anyting involving Pay-Day Loans and Title Loans no matter how desperate you may think things are.

Donald asks…

Does anyone know where to get a loan for people with poor credit but very stable jobs?

The reason why we need this loan is to get out of the payday/title loan trap and to payback other small loans. We had a bankrutpcy but is was dismissed last year. We were a victim of a loan scam and they took our money. Does anyone have any ideas on a legitimate lender that would work with us?
We need to consolidate so that we would have one monthly payment. We do not have collateral.

Loans Guide answers:

Is it wrong to prey upon financially strapped folks by trying to sell them stuff?

Type in google:

“poor credit loan rates”

John asks…

Have you ever been scammed by a payday loan?

Dont ever use www.cashin10minutes.com. They hit my account before the vrbal agreed date and now my account is negative and they told me they would put it back into my account and they have not. Then they tried to give me another loan, what a scam and now they dont answer phones or email. Guys name is John and email says Jim Peri

Loans Guide answers:

Hello,
if you seeking a legit Payday loan then this is great ! Cash advances are for individuals who are short on cash in the middle of the month, and have no other way of receiving money to cover their expenses. We can receive up to $1200.00 overnight. It doesn’t get any easier than that. Once approved, your Faxless Cash Advance loan with be transferred directly to your checking account promptly, and securely. Now you’ll be able to use the cash for all your necessities, and urgencies.

Http://faxlesscash.com/?affid=7470

• 100% safe and processing
• No credit check-No faxing
• Quick online approval
• Excellent customer service
• Get Cash in Minutes!
Good luck!.

Daniel asks…

Is there anyway for a person with awful credit to get a personal loan of $5,000? All I’ve seen are scams.?

I’m desperate for a loan and really don’t think there’s an option other than payday loans. Does anyone know if there is such a company or private lender that gives bad credit personal loans?

Loans Guide answers:

They are all scams. Besides the payday loans which are a very desperate option, you could try to increase your credit rating if that is possible. It takes 6 months to a year to do so if you can wait that long. If you can’t you can always borrow from family or friends. The thing is if you don’t pay it back then you are in deep trouble.

Sharon asks…

I need help with a personal loan due to an online scam. I do not want a payday loan. Where can I get one?

Loans Guide answers:

Check it out here. It’s an excellent site with some wonderful options for you. It will definitely help you. Have a look.

Http://loan-house.we.bs/unsecuredloans.html

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Your Questions About Payday Loans Yes

November 22, 2011 by Loans Guide  
Filed under Payday Loans

Chris asks…

Payday loans yes or no.?

Well it’s almost christmas. If you were short on cash for christmas, say around $500.00 would you consider a payday loan yes or no and why?

Loans Guide answers:

Absolutely not, unless i needed it for electricity or food or medical expenses. Because:

1) insanely high interest rates
2) digging a deeper hole

your best bet is to cut back expenses temporarily that aren’t absolutely essential (cell phone if you have a land line, downgrade cable packages or eliminate all together, stop eating out at fast food or restaurants, take public transportation, buy less expensive food, etc.). Alternatively, buy less expensive christmas gifts. When your situation improves, then you can adjust accordingly.

Mary asks…

Payday Loans???

Yes, i got this payday loan from the internet and it got deposited into my checking account..(i know stupid don’t do this), it was 200 dollars and they call and threaten to turn me over to my local police department for fraud, but which i found out they can’t really do that, i agreed to pay, but i agreed to pay 20 dollars every 2 wks..bu they said that they wouldn’t be able to do that cuz it was a payday loan, and it’s not supposed to be a longterm loan and they would not do it..this loan is from great britian, and i know it was stupid to do, but as long as i am paying something there is nothing that they can do rite cuz i am willing to pay it off rite??? will i still get into trouble and go to jail eventhough i am still paying it off??? please help me out with this one!!! it is really stressing me out bad and i just found out i’m pregnant 2day!!!!!!!! please advice i’m to afraid to fo to jail, i’m very good i have never had a criminal record besides tickets!!!!! HELP ME!!!!!!!!!!!!!!!

Loans Guide answers:

They could never get a fraud conviction if you are making good faith efforts to pay it back. Paying a little every two weeks would prevent arrest. These rip-off joints use heavy handed tactics for collections because they have so many deadbeat customers.

Get your house in order and get an account at a credit union. Don’t pay 30% interst, not unusual at payday joints.

Betty asks…

yes my question is that i have gooten in over my head with payday cash advance loans and have poor credit hel

loans and have several out i need a solution i have very poor credit no home ,car or other assets. please suggest what i should do to get out of trap thanks delton

Loans Guide answers:

First off, slap yourself hard for using such desperate measures, then WAKE UP AND SMELL THE COFFEE !
Those animals ABUSE poor people, and I guess you hurt right now.
Do a budget on your outgoings, work out for yourself if the figures add up, then take it from there.
Seek advice.
DO NOT ALLOW THE BANKERS to slowly kill you.

Jenny asks…

WHAT ARE SOME BAD PAYDAY LOAN COMPANIES AND WHAT EXPERIENCES DID YOU HAVE WITH THEM LIKE HUSKHAWK GROUP?

PAYDAY-LOAN-YES

Loans Guide answers:

Dude, ALL payday loan companies are bad. They’re designed to TAKE your money, not do u any favors. Their fee is outrageous!

Linda asks…

Has anybody used those payday loan sites? If yes, are they any good? Which one is the best?

Loans Guide answers:

I would recommend http://www.advanceloan.net/

- Fast approval
- Low fees
- Nothing to fax
- Bad credit ok

You could get up to $1500 in as little as one hour by applying for a quick cash loan

-Michael

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Your Questions About Payday Loans Without Checking Account

November 17, 2011 by Loans Guide  
Filed under Payday Loans

Helen asks…

Payday Loans without a Checking Account?

ANY GOOD WEBSITES OR 800 PHONE NUMBERS WHERE I CAN GET A $200 PAYDAY LOAN WITHOUT A CHECKING ACCOUNT

Loans Guide answers:

Www.dontbebroke.com – you apply online and they call you when you are approved.

A payday loan does not always require a checking account. Even if the application asks for account information, not having one will not automatically disqualify you.

Sandy asks…

Is there somewhere I can get a payday loan without a checking account?

I have a savings account and I need to get access to some funds before I get my check. I’m going to pay it right back instantly. And don’t advise me not to do it if it’s even possible because I talked to a few places. Most of the interest they charge is something reasonable for the specific situation I’m in. I was just wondering if someone knew a place off hand where that would even be possible.

Loans Guide answers:

Hello,
I am Monica Roland by name, I live in USA , just a few weeks ago I was in search for a loan of $40,000 Dollars, as my family was running out of money for feeding and my education. I was scammed about $4,500 Dollars and I decided not to involve my self in such business again finally A colleague of my introduced me to a loan firm due to my appearance and doings. I made a trial and I am most grateful am I today, I was given a loan amount of $40,000 Dollars by this great firm, GO-FORTH MICRO INVESTMENT LIMITED
If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds I will advice you to, contact him via email goforthmicroinvestment@yahoo.com NO UPFRONT FEE

Chris asks…

Is there somewhere that I can get a payday loan WITHOUT a checking account?

But maybe a savings account?

Loans Guide answers:

Stay away from the payday lenders. They are legal loan sharks. If you figure out the interest they charge, it is usually around 400 to 800% APR. Arkansas just passe a law that bars them from operating in that state. Just stick it out. Stay away from these guys. They are scumbags and will just rape you financially. Yes, all of them are scumbags. They smile like the cheshire cat when you walk in because they know they have another potential sucker walking in their door. Their friendly attitude will change once you miss a payment or do not follow the contract to the letter. Keep clear of every one of them. They are all SCUM. Period. I hope I was not unclear here.

Ruth asks…

Can I get a payday cash advance loan without a checking account?

I am currently employed but don’t have a checking account, can I get a payday cash advance loan?

Loans Guide answers:

That answer depends entirely upon the lender. The lender generally sets the policies, not the law.

So, you just need to shop around.

Lizzie asks…

Is it possible to get a cash advance or payday loan without a checking account and based only on ones emplymnt?

Loans Guide answers:

No
They want direct access to your checking account.

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