tag:blogger.com,1999:blog-45843529439568846832011-11-27T17:35:29.892-08:00Nick Tubervillehttp://www.blogger.com/profile/13636162973596750741noreply@blogger.comBlogger11100tag:blogger.com,1999:blog-4584352943956884683.post-40395260011555830992009-10-21T01:19:00.000-07:002009-10-21T02:06:48.535-07:00I work for a payday loan company have for a year now. I am also former collections agent and have been in sales. I know both sides of the street you may say. Everyday I hear how not to use pay-day loans, that they are illegal and they rip you off. I am not saying that some place may not operate to U.S. government standers, but chances are they are not from the U.S.<br /><br /><br /><br />Pay-day loans are used everyday. Mostly by everyday people who don't have access to funds $100-$1500 stashed under there socks where the wife cant find. And these people need the loans to help keep them afloat to the next pay date.<br /><br /><br /><br />People who talk about these companies usually did not read the agreement, and a now mad because they have paid more then what they <strong>wanted</strong> to. Well sorry when you <strong>wanted </strong>the $300 you borrowed and not one else <strong>wanted </strong>to give it to u they did. I am sorry you did not read the agreement you signed, But that is a poor excuses because that is something you have plenty of time to do before to click that little button that says "i agree" .<br /><br /><br /><br />Now I do understand how some people feel when it comes to these pay-day loan companies not from the U.S. that is why i recommend while speaking to a rep from the company ask simple questions and get info like:<br /><strong><em></em></strong><br /><strong><em>Where is you company based out of?</em></strong><br /><em><strong>What is your website address? </strong></em><br /><em><strong>Phone number?</strong></em><br /><br />With those 3 simple things your can easily ID a company or even try <span class="blsp-spelling-error" id="SPELLING_ERROR_0">whitepages</span>.com, 411.com you can simply do a reverse phone number look up there.<br /><br /><br /><br />For the company located out side to U.S. I recommend seeing how legal it is for them to claim on a debt. You may want to check with you State and see if the have a State <span class="blsp-spelling-corrected" id="SPELLING_ERROR_1">license</span> to issue payday loans. Also check <span class="blsp-spelling-error" id="SPELLING_ERROR_2">FDCPA</span> and see if they can be valid debts if not speak to an attorney if they are calling you.<br /><br /><br /><br />But on closing not all payday loan companies or cash advance companies are bad they are just trying to help people out who cant get a loan in the economy we have now. Everyone gets them I have seen Lawyers , Doctor , Fast Food workers, even Me!!! I know what they I still need help from time to time...<br /><br /><br /><br />P.S. on another note my mother has to use these often she is a school teacher of 30yr who was told she would never walk again but has proven doctors wrong, they say teachers our the best customer in this business. I think something is wrong with that personal not on the payday loan side but on our government side.... Really someone who has been teaching for 30yr last few out of a scooter and about 20yr ago from a wheelchair walked pretty damn well in between!!.. she has 24hr over a master degree and she is so happy that she finally made it to 50k a year.. A kid who grads now with a BS is making close to that. Where would he be with out my mom or some one like her<br /><br /><br /><em><strong></strong></em><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/4584352943956884683-4039526001155583099?l=paydayloansaresafe.blogspot.com' alt='' /></div>Nick Tubervillehttp://www.blogger.com/profile/13636162973596750741noreply@blogger.com1