Are you in payday loan trouble?  

This site provides information and first hand account of dealing with illegal online payday loans.  Do you know if your cash advance or payday loan is legal in your state?  This is not a debt consolidation website. The target audience is individuals who have made a personal decision not to pay beyond the principal amount of a loan or who have paid over the principal amount in loan payments and have made the personal choice to discontinue payments.  Some of the reasons may include:


  • You’re nearly homeless trying to maintain high interest rate and fee payments
  • The loans are illegal in your state
  • A phony bill collector is trying to practice payday loan extortion
  • You have multiple illegal loans and you’re drowning in payday loans
  • You don’t know how to get out of payday loan cycles
  • You have to make the decision between payday loan payment or eat
  • Collection agencies are harassing you with continuous calling and contacting you at work or speaking with employees at your job
  • You’re banking account is overdrawn through the roof and payments will go towards paying overdraft fees and getting your account out of a negative balance
  • The choice to take out payday loans has worsened your financial situation and you are worse off
  • You feel depressed as a result of the choice to get online payday loans
  • You question: What was I thinking when I took out all of these loans?  I must have been temporarily insane.
  • Your life has been turned upside down as a result of these online payday loans, and you want to regain your life and take control of the situation

Step by Step Instructions on How to Deal with that First Call from an Unlicensed or Fake Collection Agency

 Part One

  1.  A voice message left without name of the company mentioned is recorded message.
  2. Try to locate a name associated with the telephone number by performing a search for the number online.  Try Google, Yahoo, Bing, or any other search engine.
  3. If a name, address, website, email address is found to be associated with this number save the contact information.
  4. Search your state government website which licenses collection agencies or any business.  Try to locate the business on the government website to see if the agency is licensed in your state as a business.
  5. If unable to locate the business the company could possibly be unlicensed or a fake collection agency.  Contact your state governing agency to find out if the agency that left the voice message is required to be licensed in your state.
  6. If the collection agency is required to be licensed and is found to be unlicensed, keep this in mind when you speak with them.
  7. Call the agency back and provide any reference numbers they may have left on the voice message.
  8. Read More →

Phone Etiquette for Dealing with Harassing Collection Agencies

  1. Accept the first call.  Don’t bury your head in the sand and ignore them.  Confront the issue.  This will empower you and create less anxiety over the long run.  Remember, you are in control.  It may not feel like it, but you must tell yourself this, and over time you will believe this.  Don’t inconvenience yourself by changing your telephone number and don’t give them this power.
  2. Before they ramble off into their scripted speech have pen and paper handy and request the following before they try to control the conversation.  Request the following pieces of information:
    1. The caller’s name
    2. The name of the caller’s company
    3. Who is the original lender for the debt
    4. The physical street or mailing address for the collection company
    5. The email address for the collection company
  3. At minimum, items #2 A-D should be acquired before moving forward with the phone conversation.  The caller’s main objection is to collect money from you, and if your position is you don’t owe the debt, these pieces of information will be vital for letters and complaint reports.  If the caller refuses to provide any or all of the information then red flags should go up.
  4. If you don’t intend to pay and communicate this to the caller you may be faced with threats, yelling, scare tactics, and intimidation.
  5. Never show fear.  Stand your ground, but do so with calm, even temperament and tone.  Don’t respond with yelling, expletives, insults, sarcasm, name calling, anger, or fear.  Even if you are verbally insulted don’t increase your time on the by phone trading insults.  Let it go.  The primary purpose is to get information in items #2A-D and communicate to the caller your position on paying or not paying the alleged debt.  The caller listens to your verbal cues and acts according to the response heard from you.  If he/she detects fear and nervousness, they will go in for the kill.  Fear = money for collection agencies. Read More →

Sample Letters

Provided for informational purposes only to help readers generate letter writing ideas.

I.  Sample cease and desist letter for fake or illegal collection agency

Sample letter:  Cease & Desist

[Insert collection agency name]


City, State Zip Code



Re:  Acct# [Insert account number]


Dear [Insert collection agency name] Mgr/Owner:

I am contacting you in reference to a [insert original lender’s name] account with the above reference number.  I am demanding that [insert collection agency name] and its representatives cease and desist all contact with me, and anyone associated with me, including friends, family, and employer-coworkers regarding a [insert original lender’s name] acount.

I do not owe this debt, because [insert reason for not owing, ex. online pay day and installment loans are prohibited in my state by unlicensed lenders].  As a result, you are trying to enforce collection on an invalid debt and all past payments made to [insert original lender’s name] will be considered as account paid in full.
Read More →

Collection Agency: We will continue to call you!

Your response in your head and to them should be: No you will not!  If you have been verbally abused or harassed by an illegal or fake collection or unlicensed debt agency and have asked them to stop contacting you, friends, family, affiliates, and place of employment and they continue, you may want to consider consulting with a licensed attorney and/or sending a written cease and desist letter, contacting or filing complaint with state attorney general office (AG), and the Federal Trade Commission (FTC).  File for the abusive nature of their activity.  In certain situations email may be sufficient.  However, in other cases email followed by a mailed U.S. Postal Service certified mail return receipt (CMRR) requested copy is most likely equally or more effective.  If accepted by the recipient CMRR is the best step to take.  The few dollars invested in invaluable for peace of mind and peace from the phone ringing off the hook.

 Fair Debt Collection Practices Act § 806. Harassment or abuse [15 USC 1692d]

A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section:

(1) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

(2) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
Read More →

Payday Loans Collections Scams


According to DFI Director of Consumer Services Deb Bortner, most scam targets have started an application process for a payday loan online. Many change their minds and don’t go through with the loan, opting to go with a brick and mortar payday lender instead. But all the online information is gathered by what are called lead generators- who sell the information to a variety of payday loan businesses- including, perhaps unknowingly, to bogus collection agencies.  

Bortner says the growing threat of payday loan collection scams, along with the growing problem of illegal and unlicensed offshore internet lenders- make it crucial for you to be cautious about online payday lenders- and know your debt collection rights: Collectors cannot call you at work. They cannot make legal threats of any kind. And they must provide written documentation of all debt they’re trying to collect.” – KOMONews.com


Click on picture to view video.

Office of the Attorney General State of Florida vs Western Sky Financial LLC

Follow the steps below to track the progress of the court case and charges filed by the Florida Attorney General Office against Western Sky on 12/23/2013.

Go to :  http://pubrec10.hillsclerk.com

Then click on the Civil Court Progress Dockets link.

On the court records search page enter Reddam in the mandatory last name field.

Click the Search button at the bottom of the page.

On the next page click on case number link 13-CA-015462 to view case details.


The defendants are listed as: Defendant CashCall Inc , Defendant Delbert Services Corporation, Defendant Reddam, John Paul, Defendant Western Sky Financial LLC, Defendant WS Funding LLC

The plaintiffs are listed as: Plaintiff Office of Financial Regulation State of Florida, Plaintiff Office of the Attorney General State of Florida

Read more about the allegations here: 

Download (PDF, 12.9MB)

Springleaf loans, fast, friendly, affordable?

These loans are in heavy rotation in mailboxes across the country. Who needs a payday loan when one can get thousands from one of these companies, right? Don’t answer yes so fast.

The company even has local branches. These are apparently secured installment loans.  The bottom footnote on the marketing letter states:  “Rate and loan teams offered require a first lien on motor vehicle collateral.  With other collateral, no collateral, or other loan amounts, different terms may apply.”  I am taking a guess that this may mean, if borrowers don’t have collateral higher interest rates may be applied.  Make sure they are licensed in your state.  If someone was interested in the loan amount of $5,250 listed on the marketing letter the 48 monthly payments would be $177.38 and the letter states the APR is 25.91%.  Let’s do the math: $177.38 x 48 months = $8,514.24.

So a borrower would have to pay the amount borrowed $5,250 + $3,264.24 in interest. Affordable?

It seems it would be more economical to seek a part-time job or borrow from a friend or family member.  Hell, you run a better chance getting help by setting up donation account at a GoFundMe or GiveForward type website.


Springlieaf Loans 877-237-6860

Springleaf Loans 8772376860







Florida Legislature: Unauthorized payday lenders may not collect on payday loan debt

Effective July 1, 2014 payday loans made by unauthorized lenders are unenforceable and uncollectable in the state of Florida. Legislation like this shows the value in filing consumer complaints. Keep the complaints coming in your state.

Florida Statute
560.125 Unlicensed activity; penalties.—
(1) A person may not engage in the business of a money services business or deferred presentment provider in this state unless the person is licensed or exempted from licensure under this chapter.

Illegal Florida Payday Loans

Illegal Florida Payday Loans


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