Le
“Dear Steve,
I was looking up background on Langhorne Debt Solutions and saw Lacy’s question. I have a big debt with online payday loans and have contracted with Langhorne Debt Solutions. They seem legit. Bankruptcy is not an option for me. They instructed me to close my account and reopen a new one, which I did. How will this affect me? They never mentioned any potential criminal charges.
If bankruptcy is not an option, how will it affect me if I’ve already contracted with Langhorne Debt Solutions?
LeAnna”
Dear LeAnna,
If you wrote a check to the payday loan people, you should really consult an attorney in your state for specific legal advice.
Since Langhorne Debt Solutions is located in Delaware, I am assuming you are as well. Here is what DE says about writing bad checks.
“Amount due, costs of suit, protest fees.” and as far as criminal penalties, “Misdemeanor – up to 2 years in jail, $1,000 fine, or both. Person who issued check must make restitution to person to whom check was issued. Felony – up to seven years and such fine as court may order.” Source: National Check Fraud Center
“A person is guilty of issuing a bad check knowing that it will not be honored by the drawee. For the purpose of this section, as well in any presecution for theft committed by means of a bad check, it is prima facie evidence of knowledge that the check (other than a postdated check) would not be honored that:
- The issuer had no account with the drawee at the time the check as issued; or
- Payment was refused by the drawee upon presentation becuase the issuer had insufficient funds or credit, and the issuer failed to make good within 10 days after receiving notice of that refusal.”
Source – Delaware Court
One of the requirements for prosecution under the Delaware Attorney General check enforcement program is if the check is written on a closed account. Source – State of Delaware Department of Justice
If you don’t want to see an attorney, which you should, then simply ask Landghorne Debt Solutions to guarantee in writing that closing your bank account to prevent the cashing of the check you issued to the payday lender will not result in any civil or criminal penalties. If they won’t do that, then let me know.
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I would also like to add, that I got a tip on my website informing me that the Frascella brothers who currently operate payday loan websites own Langhorne. He believes they operate out of Claymont, DE. This is of course heresay since I was unable to find any information pertaining to this (if it’s true, it does not surprise me that it is on the down low). Please, if you find any information in regards to this let me know as this is a BIG red flag. How could someone create a company to help with the exact thing they’re causing?
For some reason I haven’t been able to post to the forum. I apologize for the web address that didn’t work…I changed my domain name shortly after. Please see the new website.
No need to be hasty, Luther. I changed my website domain name shortly after my posts on here. I have every right to exercise my first amendment when sharing information about this company who wronged me so greatly, even if you didn’t share the same experience. Hey, if the company worked for you, that’s great! Maybe they finally cleaned up their act. After all, I did file several complaints against them, filed a negative BBB claim, and partook in heated arguments between the president of Langhorne and myself, as well as the Client Rep for the company. Bottom line is getting out of payday loan debt is easy and doesn’t cost a dime other than what you pay back to the lenders. I learned all this the hard way of course, after throwing away nearly 1,400 on Langhorne. Not sure who told you this “document” for payroll isn’t free, but I have a copy and can send it to anyone who needs it…just send me your email address. I took care of all my loans on my own after getting nowhere with Langhorne for an entire year (they only settled two of my eight in a year despite my endless attempts to settle more). All documents that are sent to the lenders from Langhorne are public documents that anyone can send. Check out my website and see for yourself. (I spoke with the administrator of this site who informed me that posting my web address to this site automatically flags as spam and is deleted, which is why it has taken me so long to comment since I didn’t realize my comments weren’t being published.
Laura, would like to have seen your (weebly) site, but its not being “published” at the moment. Could you republish this? Thanks.
Anyway, I was informed by all my Payday Loan creditors that they will not work with any “for-profit” agencies (like Langhorne), and that they have a list of those they will cooperate with vs. those they will not.
I was told that their company had posted bulletins in their office to all employees to “not speak or even acknowledge Langhorne.”
The Payday Loan firms gave me a list of those companies they will work with (Care One, Alliance, CCCS, Discount Debt Services, etc.).
I have noticed some firms (online) that claim they can relinquish your debts through partial (or full) grants and other federal programs, then settle any amount left over (if anything).
Sorry about that, Chris. I have been having issues publishing posts to this site because it’s being flagged as spam. Please see my comment below. I’m just waiting for the administrator to post it. Thanks!
Please see comment below…having issues. 🙂
Alls I can say is I stuck to there program, and they did the rest. They just told me when and how to pay these people. Not sure what laura is talking about, and her “site” doesnt work, so who knows what her deal was. They did stop them from getting to my paycheck with a document i gave to payroll, something that cant really be done for free, so in that aspect, they saved me thousands.
Please see the comment below…having issues posting for some reason.
I cannot stress this enough: DO NOT USE THEM!!!!!!!! I had an AWFUL experience with this company. You can get out of payday loan debt for FREE. check out my website…It is dedicated to protest AGAINST Langhorne, and I give free advice on how to do it yourself. Check it out…http://againstlanghornedebtsolutions.weebly.com
Laura i tried to check out your website and it says it is not available. What is up how can i access. Thanks
Please see comment below…
I am worried too. I have a couple check advances and would like to know if the company really works.
I’ve used this company in the past and had never had any problems with them . I used them for payday loans on line so I never wrote and checks to anyone
how good this company. Did company harrased? Did company work good for u? Did you pay all payloans. What is catch with company?
I am also in the process of hiring Langhorne to help with my payday loans. I am very nervous not only about closing my bank account that I’ve had for over 15 years but signing a temporary POA to Langhorne.
I would appreciate any information you can provide on how this company helped you and how quickly? I’m in Connecticut and have put a request in to the BBB as well as have someone in the legal systems checking out just what exactly “temporary Power of Attorney” involves.
I have used langhorne in the past, and i was worried about the same thing, because the creditor’s used it as a “threat”. The assured me that because I had never wrote them a check, I only signed an agreement, and a voluntary agreement at that, that i had the legal right to revoke that authorization at any time, which they did for me, and nothing happened to me. The payday loans only can yell and scream, and hope that they can scare you into give them your money. DONT BELIEVE THE PAYDAY LOANS, as it cost me thousands of dollars to learn that lesson before i got with langhorne.
Hi Luther! Can you give me more information on Langhorne? Im in the process of hiring them to take over my accounts and I wanted your feedback on your experience with them. Thanks!
This company good. Did they help u. How long did it took. They call family or referennce or work?.
I am considering using Langhorne Debt Solutions, but I’m worried because of their BBB standing. Have they helped you? and would you sign up with them again?