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Report: #384477

Report: Cash Call

Reported By: (Durango Colorado)

Cash Call What will happen? Anaheim California

... The best advice for cashcall and bankruptcy read here

1Author 6Consumer 0Employee

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Cash Call

17360 Brookhurst Street
Anaheim California 92816
U.S.A.
Phone: 949-225-4698
Web Address:

Category: BBB Better Business Bureau

Submitted: Friday, October 24, 2008

Last posting: Friday, January 09, 2009

I borrowed $2600.00. I've paid one year and nine months of payments totaling to $3897.90. My balance is now $2416.14 and only $183.86 went to the principal. I refuse to give them any more money. What should I expect that they will do to me?

Lisa
Durango, Colorado
U.S.A.

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REBUTTALS & REPLIES:

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Consumer Comment

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THEY WILL SUE AND WIN

Laurie - Haslet (U.S.A.)

SUBMITTED: Friday, October 24, 2008 POSTED: Friday, October 24, 2008

Because you agreed to the 98% interest charge when you signed the contract.

You have to pay them.

Interest will continue to accrue the longer you take to pay it off, so if you can find the money somewhere else at a lower interest rate and pay the balance off ASAP DO IT!

That interest rate shows on the commercials too. Its small print -but it is there.

Consumer Suggestion

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They migh negotiate a lower interest rate for you.

Robert - Buffalo (U.S.A.)

SUBMITTED: Saturday, October 25, 2008 POSTED: Sunday, October 26, 2008

They might negotiate the interest rate with you.

Here is another ROR with much information-hope it helps you.

http://www.ripoffreport.com/reports/0/289/RipOff0289908.htm

Good luck.

Consumer Comment

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Try and find the funds somewhere else........

Randy - Forney (U.S.A.)

SUBMITTED: Sunday, November 16, 2008 POSTED: Sunday, November 16, 2008

pay off the loan, and never do business with them again. The bottom line is you signed an agreement to the terms of this ripoff loan. Who knows...maybe ten years from now, you will look back on this and laugh about how stupid you really were, although i'm sure you were really desperate at the time. Time heals all wounds, even financial ones.

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Bankruptcy works

Ripped_off007 - Las Vegas (U.S.A.)

SUBMITTED: Tuesday, December 09, 2008 POSTED: Tuesday, December 09, 2008

I took out a CC loan in January 2006. I had full intentions on paying my loan. I even doubled up on payments to pay it off faster. My husband lost his job and was unemployed for 9 months. I still continued to pay but not the double payments as I hoped. After about 6 months my husbands loss of income was really hard on us and I had to start missing payments. I got the abusive phone calls with all the threats. I finally gave up and called a lawyer. I decided bankruptcy was the only way out. As soon as I told CC I filed for bankruptcy they stopped calling as they should have. Bankruptcy is not as bad as everyone makes it out to be. After 2 years you can start applying for credit cards again if you would like. Banks look at it as if you are debt free and would be a low risk to lend to. A good place to think about filing bankruptcy is www.legalhelpers.com. I do not work for this company. This is who filed my bankruptcy for me. They have a lot of good info on the website if you are just curious. After a few months of not paying my CC loan they sent me a settlement letter which I did not accept. But think about the bankruptcy. You phone will ring a lot less!

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Bankruptcy Works?

Gerry - Richmond (U.S.A.)

SUBMITTED: Tuesday, January 06, 2009 POSTED: Tuesday, January 06, 2009

To the last deadbeat poster! You are the reason why the economy is the way it is! Losers like you who run out on your obligations. I have to laugh at your advice! That Bankruptcy is so wonderful and 2 years banks consider you debt free,! You have to be one stupid person to even post that much less believe it. Bankruptcy is there for 10 years. However it stays with you forever. After 10 years maybe sooner, yes you will get credit cards, at 24% and higher. And it's not so easy anymore to go Bankrupt! I'm so glad they changed the Bankruptcy laws and made it harder for the deadbeats to make honest taxpayers pay. Go ahead have fun, times are going to get alot tougher now for trash who dont want to pay their bills.

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The best advice for cashcall and bankruptcy read here

Steve - Whittoer (U.S.A.)

SUBMITTED: Friday, January 09, 2009 POSTED: Friday, January 09, 2009

I have never had a loan with cash call, but I can tell you Bankruptcy does work and works very well it does.Yes it is true bankruptcy can stay on your credit for up too 10 years but what the last poster didn't tell you is defaulting on a loans like cash call can stay on your credit report even longer than that and if they sue you you will have a judgement on your credit report for the next 10 years. They can also sell your account to another debt buyer who can also list it on your credit report and sue you . So by doing bankruptcy you get the debt wipe clean and it does look better than having a default or judgement. Don't listens too the lies about bankruptcy being hard to qualify for it's just B.S. I waited a year to file thinking the new laws made it to hard to pass the chapter 7 "means Test. It was no problems at all. And even if you do make too much money to do a chapter 7 you can always do a chapter 13 bankruptcy payment plan where the court removes all or most of interest and many times part of the principle and you only have to make small payment to the court for up to 3 years and then your free and clear. Don't let these snakes scare you in the scarring you into paying them if you can't. Go talk too a bankruptcy lawyer. you will be glad you did.