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84% clients are satisfied
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  • With our team's prompt contact response
  • With our No Result Refund Policy

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Why people trust us
  • A rated in BBB
  • CalChamber Member and Calbar Registered law firm
  • 197 people rated us 5 Stars on Trustlink
  • Affordable fees
  • Strong privacy policy
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Payday loan laws in South Carolina

  • Status: Legal (S.C. Code §§ 34-39-110 et seq.)
For Lenders

Lending specifications:

  • Maximum loan amount: $550
  • Loan tenure: 31 days
  • Fees and finance charges: 15% of principal
  • Finance charge on a 14-day $100 loan: $15
  • APR on 14-day $100 loan: 390%

Collection restrictions:

  • Collection fees: NSF fee of $10 or actual charge (the lesser one)
  • Criminal procedures: Prohibited
For Borrowers

Debt limits:

  • Maximum no. of outstanding loans at a time: Not Specified
  • Rollovers allowed: None

Complaint cell:

  • Regulator: South Carolina State Board of Financial Institutions
  • Address: Consumer Finance Division, 3rd Floor, Edgar Brown Building, 1205 Pendleton St., Columbia, SC 29201
  • Phone: 803-734-2020
  • Fax: 803 734-2025
  • Regulatory contact: Jim Copeland, Assistant Commissioner of Consumer Finance
  • Website: http://www.bofi.sc.gov/Pages/ConsumerFinance.aspx
  • File complaint: http://www.consumer.sc.gov/consumer/
    ComplaintInstructions/Pages/default.aspx



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The services of Oak View Law Group (OVLG) and its affiliates may not be available in all states. OVLG along with its Of Counsel attorneys may also be referred to as "Oak View Law Group", "we", "us" or "the firms".
Copyright © 2015 Oak View Law Group

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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