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Payday loan laws in Kentucky

  • Status: Legal (06.50.010 et seq.)
For Lenders

Lending specifications:

  • Maximum loan amount: $500
  • Loan tenure: Should 14-60 days
  • Fees and finance charges: $15 per $100 on amount loaned + $1 database fee
  • Finance charge on a 14-day $100 loan: $17.65
  • APR on 14-day $100 loan: 459%

Collection restrictions:

  • Collection fees: 1 NSF fee (in case disclosed)
  • Criminal procedures: Prohibited
For Borrowers

Debt limits:

  • Maximum no. of outstanding loans at a time: Two
  • Rollovers allowed: None
  • Cooling-off phase: None

Complaint cell:

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Student loans are meant for undergraduates whereas home loans are given to first-time or second- time home buyers. But what about personal loans? Well, personal loans are usually unsecured loans, and they are taken out by borrowers for (i) consolidating debts (ii) for covering other ... Read More »

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Howard Lee Schiff P.C. sued me for credit card debt

I am being sued by Howard Lee Schiff P.C…. who claims to be a debt collector but is a law firm. Is there anything I can do? I plan to send validation request to have them validate the debt but since the debt is valid I am afraid to fight it. What should I do. I already received ... Read More »

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The 4th of July is observed as a federal holiday in the United States. After all, it’s NATION’S BIRTHDAY! Independence Day celebration is a grand and colorful affair in the country with fireworks, foods, parades, and more. Wondering how to enjoy this wonderful day? Check this out. ... Read More »

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Contact us at:-
Oak View Law Group APC
4966 El Camino Real STE 225, Los Altos, CA 94022, United States

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Disclaimer: The contents of this web site are not intended to establish an attorney-client relationship, provide the reader with legal advice, or substitute for legal advice from an attorney.
  • The debt settlement program typically lasts between 6 months to 4 years time.
  • At least 30% of the debt amount per creditor needs to be accumulated in the trust account for OVLG to give the creditor any settlement offer.
  • Not all creditors or debt collectors will accept a reduction in the balance, interest rate, or fees a customer owes such creditor or debt collector.
  • Pending completion of the represented debt-relief services, the customer's creditors or debt collectors may pursue collection efforts, including initiation of lawsuits.
  • That the use of the debt-relief service will likely adversely affect the consumer's creditworthiness, may result in consumers being sued by their creditors, and may increase the amount owed to creditors as a result of the accrual of additional fees and interest.
  • Savings a customer realizes from use of a debt-relief service may be taxable income.
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