What can i do about a company harassing me about a payday loan?

Im being harassed by this company in Florida saying that they have a lawsuit against me because i refuse to pay off a payday loan. I also received a previous call from this number saying that i had a warrant out for my arrest and that they were sending police to my house. When speaking with this company I told them that i did pay it off and they said the money they collected from my account was not going towards the payoff but it was fees. The loan amount was for $200 and i gave them well over $300 before i closed the bank account because of this issue. Later to find out that these loans are illegal in my state. So do they have a case against me or is it just a scam? Im not so much worried about them threatening me with the lawsuit but the fact that they have all my personal information including my ssn and what they can do with it.
i dont have a mailing address or email of the company, just the phone number

I want to find how to contact Total Lending Payday Loan, either an e-mail address or 800 #.?

I have a payday loan I want to pay off with this company and I can’t find the address for them and they just keep taking cash from my checking acct. every 2 weeks and don’t e-mail or call me to make arrangements for a pay-down or pay-off, which I know is a scam and that is why I want to get them paid off and their hands out of my cash… Thanks for any information anyone has on this company. I expect there is at least one more “name” this company hides under so it is hard for someone like myself to find them on a web site, so if anyone knows other names please let me know, I REALLY want to get this issue resolved quickly…. Thanks, VIcki Dugger

what can i do if a payday loan company is taking money from me without me authorizing it. it seems like a scam?

The problem is, they have been deducting $90 every two weeks from my account and I had no info about this company. I finally found some on-line the company name is magnum Z LLC and when i spoke to the one guy over the phone he said i authorized it. kept stumbling on his words and when i asked for a voice record of me authorizing it he said no and i asked why he said cause he said so. he said he would report me to collections and i really don’t want that to happen. I paid them more than the loan amount was which was for $300 and they still are taking money out. they said that the $90 are finance charges and that I needed to call to pay down the loan so none of the $90 went to the principal in other words. I don’t know what to do. Help please.

Call from a foreigner about a payday loan?

I have 2 current payday loans and I am making my payments on them. However, I am receiving a lot of calls from this foreign speaking person and he is arguing with me that I owe them and I don’t. I don’t know where he got my information from, but I am paying on my two loans like that I am supposed to be. He says that he is an investigator and he is calling from somewhere in California. I have tried to tell him that I don’t know anything about his company and he starts arguing with me and I cannot get a word in when he is rattling on and on. I told him to contact my family attorney and he says that he can’t do that. He said that if I don’t straighten it out that he will have to turn it over to my local sheriff’s office. So, I told him to go on and do that. I am tired of messing with him. I believe he is running some type of a scam. Has anyone else had this happen to them?

Where do I go for a loan without paying $$ up front?

I have bad credit and am trying to consolidate payday loans. I don’t have money for up front fees or Nigerian lenders who want to scam. Please advise.

Anyone know how to get out of payday loan hell in illinois?

Sarcastic, rude, and snotty comments need not be left. In this economy people, I recently being one of them have no choice but to turn to all means needed to get by. Up until 2009 I was living well, my husband however is now because he is a union worker in a construction field isn’t working. I also since 2008 have taken over a $8000 cut in my pay, so while we have cut back it seems like it just isn’t getting better. I made a huge error in getting a payday loan, something I’ve said I never did. They are vicous, found my self having to get another just so as I could pay the interest. So now I have 3! I pay $35, $75, and $55 a paycheck (every 2 weeks) But I can’t afford to pay these off. Starting this JAN sadly his insurance was cut off and I had to take it out, its $400 a month less that I am making. So while I thought I could just pay these off now because of my insurance I just can’t and I got my self into this horribe circle. I don’t want to close my bank account, nor do I want these lenders calling my job. Any GOOD positive adivce would be appreciated. I would love for them to stop debiting the finance charge and set up monthly repayments? Not sure they will do this though. HELP!!! Please

i need a payday loan and can’t get a lender i need one bad?

i have tryed for days now and i just keep being sent to different web sites i just need to get 500 dollars to pay a house payment
please someone help me i don’t know what to do

How do you rate the Republican stalling tactics to prevent Financial Reform and keep the big banks and payday?

lender raking in the cash and taking the change from our pockets?

So far it seems to be working as planned, stalling until the pesty amendments such as a 50 cent cap on debit card fees and allowing the payday lenders to keep charging 300% interest on short term loans.

I personally feel that we should applaud the valiant efforts of Republicants to keep the rich rich and the poor poor. That is their agenda, is it not?

Where can I go to get a bad credit personal loan (unsecured)?

I have bad credit and need a loan. I don’t want to take chances with payday lenders, car title lenders, or with my house. All I need is a quick $2,000. Any advice?

DOES ANYONE REALLY FIND HONEST LENDERS??

I HAVE BEEN SEVERAL PLACES LOOKING FOR A LOAN NOT PAYDAY LENDERS BUT HONEST LENDERS WHO HAVE ACTUALLY HELPED PEOPLE WITH LOANS AND CAN BE VERIFIED .

question about consolidation……?

Okay, I made some bad decisions and took out a couple payday loans, they are killing my paycheck each month. And, I have some high credit card bills because of my husbands illness. Before he got onto health insurance we were paying for his insulin (expensive) plus we have a 1 and 2 year old in daycare and diapers. So, I just wonder about debt conslidation. has anyone used it…? Does it really work….? Is is a good idea?

Auto loan for debt consolidation?

I have less than perfect credit, and I was wondering if I could apply for an auto loan in order to consolidate and pay off all my payday loan debt of about $5000? Ive tried getting personal loans but I can’t get approved anywhere, and I need a solution fast because all my payments are about to be due.

I need financial help/advice! PLEASE ?

okay so currently i am at a stand still financially. its kind of worrying me because i can barley make ends meet and i have no other financial support from anyone else. even financial advice for that matter. the only person i can turn to is my other half, however my other half if currently unemployed so that kind of makes matters a little worse, but its so hard to find him a job, we’ve like put it over 100 applications all over and no luck so far, but heres the thing. here is the question id like to ask and get SERIOUS advice and help with. I am 19 and I am in debt. not 10k debt, id say around 3k or so. out of everything, i believe what is hurting me most is the numerous payday loans i have out there that i have made to try and have extra cash in my pocket. what is hurting me every 2 weeks i get paid is renuing them, and i want to get out of them so badly so i could pay other things that i owe with my check and at least for once in these 5 hectic months have something to last me off of my check till the next check for like gas, food and such. i want to know what would be the best method in getting out of all these loans and start getting down to business. also if someone would happen to know where i would be able to make a debt consolidation loan or some kind of loan that would help someone like me out, esp with the fact that i am from louisiana and the economy sucks out here. i tried onemain financial however i couldnt b/c i needed a co signer and i dont have that. i want to try to find some kind of place that would let me borrow like 2k to get out of some of this debt.

my payday loans are as follows
a. 60.00—borrowed 50
b. 190.00—borrowed 150
c. 280.00—borrowed 225
d. 345.00—borrowed 290
e. 305.00—borrowed 250

i am not sure of the interest rate on these loans but every two weeks when i renew them, the “fee” i pay to get what i borrowed back is

a. 10.00
b. 40.00
c. 55.00
d. 55.00
e. 55.00

other debts are 411.00 overdraft in one bank accnt, abt 400 owed to a credit card that i havent been paying on because i couldnt afford it. i also had to let my insurance lapse because i couldnt afford to pay it and that is 447 i owe to them and i guess on top of that what i will have to pay also to the dmv and that is about it. i need help of advice if possible. the reason why i believe i got into all this mess is because a while back i was trying to help someone and a loan that i had weeks before that and didnt pay back went to my accnt and took all my check and from then on i basically had to make loans every so often to keep money in my pocket. also on average i make 80 hrs a week at my job and get paid 9.50. i hope this helps the people that are reading this and are interested in my story. thank you for your support.
im sorry// correction….i make 80 hrs every 2 weeks (40/per week)
@talk turkey : i made a correction; is it possible you could revise your answer since that particular info i provided wasnt correct
@ tony p : unfortunatlly my better half has a few mental disabilities that refrains him frm working in public however we have put in overtime to find something suitable for him so that he can help out because he reallllly wants too. im in a bad situation i guess that i regret ever getting myself into. i wish i want so naieve to money savings and everything. i feel like im going to be stuck forever. then on top of that i have school coming up in the spring and i have to juggle all of this!. my life is a living hell

Thank you all for your answers to my questions.?

So, what you guys are saying is that I can place the two payday loans that I have on my bill consolidation? Oh, with all my medical bills and my other bills I owe a total of around 5,000.00. And to the person who said that I should get a job and pay my bills. I have a job where I have been employed for serval years I just had got hurt and I was off of work for awhile and couldn’t pay all my bills that’s all. I had gotten the two payday loans before I had got hurt.

What credit card do I have a chance of getting with bad credit?

my credit score on experian is 524, I am looking for a credit card with low or no initial fees or yearly fees but I can have a high interest rate because I plan on paying it off each month to build up my credit. does anyone know a card that would be most likley to approve me with this criteria?

I was pre approved for first premier bank card but with all the fees it ended up being 250 – 300 debt before I would even spend a penny on the card. and thats before eve n knowing the balance.

im not looking to go into more debt, Ive been paying off debt I had from 8 years ago, for about a year now on a debt consolidation plan. for some reason it didn’t start showing i was paying current till january, even though I have been paying on the card since july. I contested the charges of being late paying and even called my debt consolidation organization to see what they can do about it. my credit score SHOULD NOT BE AS LOW AS IT IS!

the reason I want the credit card incase you are wondering, is I have to get a rental car and all rentals require a credit card. also we are short about $200 for our vacation because we didn’t budget having to get a rental. we are going to ride down with a friend to san antonio but now she has decided not to take her car. she doesn’t have good credit either. about as good as mine. so I cant have her get a rental.

this is why I cant get a prepaid card right now, I know they build on credit, I would like to get one, but you have to put money upfront and my money is going to be tight until half way through our vacation on the third when my hubbie gets paid.

then well have more than enough to pay off the the credit card

dont want to be condsidering pawning or payday loans because the interest is so high even when you pay on time unlike a credit card

and for any one who wants to be captain obvious and say shouldn’t of had bad credit to begin with and you wouldn’t be i this mess…you are preaching to the choir. i ought to have know better but have since learned my lesson and am diffinalty paying for it

for an entire year now I have been paying 400 a month toward old credit card. whats your smart butt remark compared to that?

wow, I said alot, hope this explains everything. only looking for credit card solutions at this point, if you dont have3 any, dont answer.

thanks
lol, im not a dude, I realized im on his account, but im a girl. rolf

Bad Credit Loans for Debt Consolidation?

Long Story Short, Back in 2008, I ended up paying off all of my credit debt and then ended up moving to another state to be with my girlfriend (moving to another state without another job lined up is a bad idea). After Maxing out all of my credit cards, being legally homeless for months on end and living out of a motel I finally made my way back home where my credit was destroyed. I am now trying to pick of the pieces but it has been difficult.

Tons of people always talk about how people with horrible credit can still get personal or debt consolidation loans. When when you look online all you see is spam or garbage. I’d like to get a personal loan so I can consolidate my bills and move out of my parent’s house. Does anyone know of any legit, useful places that provide a bad credit loan (not payday advances)?
All of my credit cards ended up going to collections. I am currently now making payments to those collectors. They all refused to let me make payments on my own; telling me that my word on paying wasn’t good enough and that I had to either allow automatic deductions or they’d simply garnish my wages. While I was able to get several down to 60% of the original debt, the only way they’d work with me was by setting up automatic payments. I am annoyed that I am trying to at least fix my credit and pay my debt and these people are being so frustrating.

Can anyone reommend a company offering an umbrella loan-credit card, payday,& mortage loans?

The last three months she got mired in debt through pay day loans and literally stopped paying because she was now losing money-she has a good income, but not enough to cover the losses-needs monthly totals reduced from $6,000.00/month to $2,000.00/month-BANKRUPTCY final option-does not want to use it yet-she can get smaller consolidation that doesn’t cover anything-making things worse with higher debt.
PROFESSIONAL VERIFIABLE SOURCES ONLY-IN HOUSTON, TX. Sorry Erivan, my lawyer could verify nothing of what you said.

I have multiple title loans in phoenix az, can i do a debt consolidation with it?

I took out a few tile loans in phoenix az at former payday loan centers, but i dont own the vehicle so the loan centers are basically the 2nd lien holders, but not officially documented as one on the tiltle, so would i still be able to do a debt consolidation or can they legally go after my vehicle?
The loan centers are aware that i do not own my car, in arizona payday loans are illegal now, so they allow you to take a title loan even if u dont own the vehicle. guess its some kind of loop hole.

i need to get a bad credit loan?

i am right now in a debt consolidation management program, but i need a small loan to do renovations in my apartment. i have tried getting a loan from the bank and citifinancial.com and have been denied by both because of the debt consolidation management program.

where can i go to get a small loan (and not a payday loan) with my situation
I didn’t purposely put myself in debt. My mother had major heart surgery, and I was paying all her bills and my bills, and resorted to using credit cards. my credit card debt isn’t huge, but it isn’t small either (it was 10k a year and a half ago). with the monthly payments i cut the bill in half. the only luxury i have in my cell, and its for emergency purposes only. besides her survivor’s benefits (which i don’t touch) i have my income. the apt is in need in repair and my super gives me broken promises, and the landlord doesn’t help either. I don’t even want a large loan; i’m talking about $1000, which i know i could pay back. between helping my mother with her bills, and my bills, my paycheck is nearly gone

If you could be a kid again, would you look up to adults your age?

When I was a kid, I looked up to adults. In my own life I did ok and didn’t think it was that hard to be successful.

Now that I’m in my 30′s, I am disgusted by most of my so called “peers” around me. I wouldn’t respect any adults today if I were a kid.

I turn on the TV and see most adults act worse than my fifth grade class.

There are so many businesses out there waiting to make money off adults for their own incompetence, everything from rehab to payday loans to debt consolidation.

And the biggest joke is that people think it’s okay to live at home after they get out of school, forever.

How would you teach a kid to respect their elders when their elders need grown up supervision?

Does anyone else here feel this way?
Yeah I agree I was taught to always respect elders, too.. and I will probably be saying Sir and Ma’am until I die, which is good.. however, those are titles I find hard to attribute to anyone my own age, especially when I just sit back and watch people in public.

Has anyone tried Cash tree lenders? The pay day loan company?

How are they? I just need 300 dollars this month and I will pay it off in full next month when I get my check. I’ve heard so many horror stories about payday loans and I want it to be as cut and dry as possible. The most I would be involved with the company is a month to receive funds and pay it immediately back.

Payday loan ..is it possible to get more then $1000?

most of these payday loans limited to $1000 and some direct lenders can give up to $1500.is there any payday loan company that provide more?

I want a loan and not a payday loan and I have bad credit.?

I don’t want a site that finds me a lender I want to work with an acutal lender.

Does anyone know a lender who does personal unsecured loans for bad credit that is not a payday loan.?

How do I find a loan shark?

I am desperate for a personal loan for some significant legal fees for my husband’s custody case. We both have extremely poor credit, and the timeline is too small to have time to save up. My husband would just like to get a loan through a “shark,” but not a payday loan – like a personal lender. Any LEGIT suggestions welcome. Our credit scores are too low for prosper.com.