I know this has been answered but I wanted to ask

I know this has been answered but I wanted to ask pertaining to my situation, I am drowning but needed to feed my kids and pay bills. I dont' qualify for any type of temporary assitance. I have a full time job and I was a full time student. I borrowered from several payday loan lenders and I need to minimize my payments ASAP.

1. The names of each of your lenders: Pay Day Max, Sure Advance, Cash Direct Express

2. How you obtained the loan: Via the internet

3 What state you live in: Florida

4. How much was deposited by each lender: Payday ($680), Sure Advance ($700), Cash Direct ($700)
Total deposited for payday $3160 debited $2462.29, Total deposited for Sure Advance $1450 debited $2300.8, Total deposited for Cash Direct $700 ($308)
6. Details of any communication you've had with the lender: No communication researching my options I am drowning and have 3 kids to take care of………………

2 Answers

Contact with Florida Office of Financial Regulation in order to know whether or not your lenders are licensed in your state. If they are licensed, then you will have to pay both the principal and interest. If you are in a financial hardship to payback the full amounts, then you may get help from a professional debt relief company. If your lenders are not licensed, then you are responsible only for the principal. Ask them for the refund, if you have overpaid them. Close your bank account asap to stop unauthorized withdrawal.

Pay Day Max - Illegal offshore lender, you have overpaid them and entitled to a refund.

Sure Advance - DE based lender, high probability that they are illegal

Cash Direct Express - High probability that they are illegal

Please read this thread: http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallende...

I'm sure you will be able to resolve the problem in no time at all :)

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