Help! I Owe Ace Cash Express Money
If you have borrowed money from Ace Cash Express and have defaulted on the loan and are being harassed to pay it, or are unable to pay and will soon default, do not panic. There are some things you can do to attempt to resolve the matter first.
I Owe Ace Cash Express and Cannot Pay the Loan
If you have recently defaulted on your loan, or soon will, contact Ace Cash Express and let them know what is happening and ask if they can work out a payment plan or, if you already have a repayment plan, a new one. Some creditors are willing to work with consumers when they fall on hard times and help them to create a more manageable repayment plan. If they are willing to work with you, be sure that you do not agree to an amount you cannot pay or a time schedule that does not work for you or you only will find yourself right back in the same situation and a second work-out plan will likely not be available.
If a new repayment plan is not available, you can look into refinance options that would allow you to take out a personal loan from another company in order to pay Ace Cash Express. However, if your credit is not good, or you are already in default on the loan, this may not be an option.
If you cannot get a new payment plan or refinance the loan, you may want to consult an attorney who specializes in bankruptcy to explore your options for a discharge under chapter 7 or a repayment plan under chapter 13. This can allow you to either avoid paying all of your unsecured debt or restructure your debt so that you can afford to make all of your monthly payments.
I Am Being Harassed Because I Owe Ace Cash Express
If you have already defaulted on your loan and are being harassed by Ace Cash Express to repay it, ask for a more manageable repayment plan. Negotiating a new agreement, can stop the collection calls and help you avoid further damage to your credit. If you are uncomfortable with negotiating an agreement or one not available, consider consulting an attorney who specializes in debt collector harassment. An attorney can negotiate a new agreement for you and/or advise you of any violations of the law that Ace Cash Express may have committed in their attempt to collect on the debt. If they have violated a law that allows you to collect money from them, such as the Fair Debt Collection Practices Act (FDCPA) your attorney will likely not charge you any upfront fees and take money only if you win.
If you are being harassed because you owe Ace Cash Express, please contact our office at 1-800-219-3577, for a free, no obligation consultation.