$500 payday loan california in Illinois

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Payday Loan in Illinois

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    First, I am a 21 year old college student. I understand I shouldn't have taken out payday loans, but what's done is done and I am asking for advice. I have been with all three companies since 2009 and have paid outrageous interest charges; I currently have out three payday loans: Paydaymaxx.com United Cash Loans One Click Cash All of these loans are operating illegally in the State of Indiana. I will be unable to able to pay them on my next payday. I do not intend to default on these loans, I just can't pay them at this time. I have contacted all of them and they are not willing to work out a payment plan. Here are the interest rates AND the interest I have paid to date: Paydaymax: Loan Amount: $400 Next Service Charge: $105.34 APR: 436.922% Total Amount Borrowed Since 2009: $3,010 Total Interest Paid Since 2009: $1,381.63 United Cash Loans Loan Amount: $300 Next Service Charge: $90 APR: 342.19% One Click Cash Loan Amount: $400 Next Service Charge: $120 APR: 312.86% I am not committing fraud and do not want to go to jail. I understand my credit will get screwed up, I will be able to pay them in in January, but right now I can’t. Has anyone had similar experiences dealing with these companies and the collection procedures? What can I do if they won’t work out a payment plan? I FULLY intend to pay them, I just can’t at the moment.

    I fully understand the terms of a payday loan and all the research I have done, states that all three are operating without a license to lend in the State of Indiana, therefore, they are considered illegal, the Indiana Attorney General office confirmed this. Furthermore, you do not know people individual circumstances to pass judgement on those who take out payday loans.

    Indiana permits payday lenders to operate and charge any interest rate or fees which the borrower agrees to pay. Lenders must comply with other provisions of the state’s small loan act. Indiana (permits the charging of $33 rather than the 36% per annum applicable to other loans). The APR for a 14-day $100 loan is 390% So with the payday max one you could call them up and ask to reduce the interest rate to 390% instead of the 436.92% they are charging you. That's about it. The other two are not operating illegally. You are going to have to get another part time job - only solution. You need more income If any parent reads this. Please save at least a couple of dollars so your kids can get to college

    For Finance and credit solutions I always recommend this site where you can find all the solutions. RE :What to do - Payday Loan Help? First, I am a 21 year old college student. I understand I shouldn't have taken out payday loans, but what's done is done and I am asking for advice. I have been with all three companies since 2009 and have paid outrageous interest charges; I currently have out three payday loans: Paydaymaxx.com United Cash Loans One Click Cash All of these loans are operating illegally in the State of Indiana. I will be unable to able to pay them on my next payday. I do not intend to default on these loans, I just can't pay them at this time. I have contacted all of them and they are not willing to work out a payment plan. Here are the interest rates AND the interest I have paid to date: Paydaymax: Loan Amount: $400 Next Service Charge: $105.34 APR: 436.922% Total Amount Borrowed Since 2009: $3,010 Total Interest Paid Since 2009: $1,381.63 United Cash Loans Loan Amount: $300 Next Service Charge: $90 APR: 342.19% One Click Cash Loan Amount: $400 Next Service Charge: $120 APR: 312.86% I am not committing fraud and do not want to go to jail. I understand my credit will get screwed up, I will be able to pay them in in January, but right now I can’t. Has anyone had similar experiences dealing with these companies and the collection procedures? What can I do if they won’t work out a payment plan? I FULLY intend to pay them, I just can’t at the moment. Update: I fully understand the terms of a payday loan and all the research I have done, states that all three are operating without a license to lend in the State of Indiana, therefore, they are considered illegal, the Indiana Attorney General office confirmed this. Furthermore, you do not know people individual circumstances to pass judgement on those who take out payday loans. Follow 4 answers

    If in fact they are illegal they would not need to be paid and in fact should not be paid. Illegal enterprise should never be rewarded. Payday loans are quite fascinating because they gain the right through your approval to attach your checking account. Failure to have the funds there in some state constitutes bouncing a check which can e considered theft by deception and is one of the few "debts" that can land you in jail. You already over pledged your assets by having 3 payday loans with different vender's. You need to declare bankruptcy

    The loans are in no way illegal, it is you doesn't understand the concept of a Payday loan. Payday loan = short term loan, usually 30 days maximum, repayable Illinois FULL at the end of the month (when you get your paycheck). There is no valid reason for anyone to have three Payday loans. The collection procedures are exactly the same as for any other DELINQUENT loan. Collection agency first, and if you still don't pay, you get a court summons. You would appear to be immature for college if you are happy to get yourself into something, and only when you get into troubled with it, you start shouting it is illegal

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Where can I get a short term loan online for $500 & pay it back in 3 months?

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