Get rid of payday loans

Hi, welcome to the forums. You have come to the right place. Please tell us how much each loan was for and from which lender. Also, how much you have paid each one so far and the State that you live in. That way we can help you determine what you legally owe.
You must close or freeze your checking account immediately so that you can breathe and deal with these companies on your terms, not theirs. Tell your payroll dept that you need to get a live paycheck for a while.

Also are they store front or internet?

Hmm...Legally ow. let's see. If i attempt to buy crack from you and you sell me soap, can i call the cops on you? NOT! What we are doing is illegal. I have no recourse against you. I must have "clean hands" to sue you. You leaglly owe nothing to a lender who is violating your state laws. The PDL know that. That is why the run when you say, "Attorney General." that is why all of the loans they have in a certain state become null void when the AG's sue them. You can not enforce an illegal contract.

The opinions of attorney generals and financial departments vary greatly from state to state. If a PDL is licensed in the State where they are registered as a business, some states will not agressively enforce their laws while others will enforce. Some PDLs have huge law firms that will tie the AG up in red tape for years in court. A perfect example is Geneva Roth aka Loan Point USA. They are represented by Bryan Cave, who is a mega firm. Pa allows the laws of the licensed state prevail where NY even though the loans are illegal will not enforce the laws out of state. Florida won a big case in the supreme court last year but still takes a permissive stance against the PDLs.

Another gray area is the fact that because the IPDLs are reloaning from a large bank that is backing them the laws of many states have loopholes because they only apply to banking institutions as original lenders.

Now, this is why niki needs to provide us with the needed information. We can not assume anything when someone posts for assistance. niki would need to provide us with what state he/she resides in, that way we can post the state law and see how they handle pdl's. niki needs to post what pdl's he/she is dealing with so we can see if they are licensed lenders. niki needs to post if these pdl's are internet or store front, which are completely different. To just "assume" niki's pdl's are illegal is out of the question. Until we receive more information from niki, we can not give advice. We go by facts.