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Are you trapped making payments on a quick cash loan that won't go away? Has your struggle to pay off an "easy" cash advance created a new crisis for you and your family?
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Active Texas CSO Locations
The number of predatory lenders in our state in recent years:
2006: 1279 2009: 3235
2007: 2252 2010: 3594
2008: 3460
Get Help
Because this industry is unregulated, people trapped by these loans don’t have a lot of options.
Complain
File a complaint with the Texas Attorney General
File a complaint with the Office of Consumer Credit Commissioner
File a complaint with the Federal Trade Commission
Consider Legal Action
Few legal avenues are currently available. However, you may benefit from speaking with an attorney about your case.
There are strong protections prohibiting harassment and other abusive debt collection practices. Learn more here:
If you would like to speak to an attorney about debt collection or other possible legal violations related to your payday or auto title loan, you can contact a legal services office in your area. (Not everyone qualifies for these services, but the offices may be able to connect you with someone who can help you.)
Don’t Get Trapped Again
See the Consumer Help section on the Consumer Federation of America web site.
Be cautious of debt settlement firms that claim they can negotiate down your debts. Learn more at the Consumer Federation of America’s debt settlement tip sheet.
Get help managing your money with Raise Texas’ Asset Building Database.