Payday loan help in NC!!

is the same true for any state that pay day lending is illegal in.

Not sure, i just know it is for NC

Sorry, I realized I did this twice, but I'm not sure how to delete one of them. Anyways, I've been watching this forum for a few days because, like pretty much everyone else here, I have some payday loans that have been weighing on my mind and my bank account, and I finally decided to join this morning. Well technically, I finally figured out how to join this morning.

It depends on the state laws, Kashzan, but I would think it would be the same for NY, because they have pretty good laws restricting pdl's . . . . But I would contact your state's AG office and DFI to confirm.

Thanks goudah
i paid more than i owed, but was just wondering.
This is a horrible trap for people to fall into, but thanks again to this forum for giving us the hope and support that we need

Welcome! I'm glad you found us! Please, continue to post your experiences as it will help guide future visitors!

And if you have any questions or need any help along your way, please ask!

klynch, I'm glad you got to speak with your state AG. A lot of members have a hard time with their AG. Yours sounds very helpful. And you sound so happy! That's great. I'm sure a huge weight has been lifted from your shoulders after speaking with him. Thanks for posting for others to read. :P

kash - To ease your mind or at least get the question off your mind, contact your state's Department of Financial Institutions. I emailed mine and got my answer. They're the best ones that can answer that question for you. And, if you're lucky, it'll have an email to contact them. Just send an email.

Guest!!!! Thank you, thank you!! I live in NC and I just closed my account now I am waiting to see if they are going to contact my employer. I have 7 as well and I closed my account, opened a new one and I am just waiting!!!!!!! Tell me who you spoke with and if they said if they can garnish your check.thanks!! Please email me this info @
email address removed as per forum rules - Mike

klynch,I just closed my account and will receive my first full paycheck in over a year. What did you say to the companies when they called you? Did they contact your employer? PLEASE HELP!! I have already rec'd some great information from moderators here. I am still nervous but getting better daily. Thanks for all the infor!!

Hi Sfate...I remember how good it was to have my paycheck all to myself that first time! A few things to remember...did you check with your bank to make sure they actually closed your account and/or can block the ach debits?? What state are you in? Most of us sent cease and desist letters asking that the ipdls contact us my email or us post. When they call you at work explain to them you can not take calls at work.You can also send complaints to your attorney general, the ftc and the bbb. If you have any questions please post them and someone will answwer for you.

I closed the account and opened a new one. I already had one phone call from one company, but I didn't answer. I bank with a state employee credit union and live in NC. I don't believe I signed any wage assignments and I read that wage assignments could not be done to individuals that work for the local government. I do, so is that true?

sfate, I'm a big believer in just covering your butt! I sent letters to every single one of my pdl's revoking any wage assignment that I may have signed. Even to the ones I know I didn't sign. I don't care. Send every one of them a revoke letter regarding wage assignment. This way, none of them will sneak up on you later on down the road and try to play their games. Don't just assume anything. These people are already operating illegally. Don't put anything past them.