LEAGALIZED LOAN SHARK QC HOLDINGS HAS BEEN GREASING THE SKIDS IN CONGRESS WITH CASH EXTRACTED PAINFULLY FROM THE WORKING POOR

QC Holdings spent a lot of money in Campaign 2010. They spread their blood money among both political parties. Democratic Members of Congress should immediately return this tainted cash. QC Holdings owns and operated the legalized loan sharking businesses that cash pay day loans. They charge exorbitant interest rates. An excellent perspective of legalized loan sharking and role We The People are now playing in the Poverty Industry in these post-bailout times was written by Don McNay and published on the Huffington Post. You should give it a good read, http://www.huffingtonpost.com/don-mcnay/wall-street-and-legalized_b_669787.html.

Who Got The Money Painfully Extracted from the Working Poor?

The Center for Responsive Politics' OpenSecrets.org lists the following persons as getting sizeable contributions from QC Holdings.

1. Representative Alcee L. Hastings [D-FL] took $2,000 from the QC Holdings Inc., PAC. Hastings serves on the Rules Committee and the Permanent Select Committee on Intelligence

2. Representative Baron Hill [D-IN] took $2,000 from the QC Holdings Inc., PAC. Hill serves on the Joint Economic Committee, the Committee on Energy and Commerce, and the Committee on Science and Technology.

3. Representative Debbie Wasserman Schultz [D-FL] took $6,000 from the QC Holdings Inc., PAC. Wasserman Schultz serves on the Committee on Appropriations and the Joint Committee on the Library.

4. Representative Travis W Childers [D-MS] took $3,000 from the QC Holdings Inc., PAC. He serves on the House Committees for Agriculture and Financial Services.

5. Representative Lynn Jenkins [R-KS], this is the person who fails to represent my district. Jenkins took $17,500 from QC Holdings. $12,500 from individuals associated with QC Holdings and $5,000 from the QC Holdings Inc., PAC. She serves on the House Financial Services Committee and its Subcommittees on Capital Markets, Insurance, and Government Sponsored Enterprises and Housing and Community Opportunity.

6. Representative-elect Tim Huelskamp [R-KS] took $4,500 from the QC Holdings Inc., PAC.

7. Representative Carolyn B Maloney [D-NY] took $4,000 from the QC Holdings Inc., PAC. She serves on the House's Joint Economic Committee, the Committee on Financial Services, the Committee on Oversight and Government Reform, and the following Subcommittees: Capital Markets, Insurance, and Government Sponsored Enterprises (Financial Services), Domestic Monetary Policy and Technology (Financial Services), Financial Institutions and Consumer Credit (Financial Services), Information Policy, Census, and National Archives (Oversight and Government Reform), National Security and Foreign Affairs (Oversight and Government Reform).

8. Representative Walt Minnick [D-ID] took $4,000 from the QC Holdings PAC. He serves on the House Committees on Agriculture and Financial Services and these Subcommittees: Rural Development, Biotechnology, Specialty Crops, and Foreign Agriculture (Agriculture), Capital Markets, Insurance, and Government Sponsored Enterprises (Financial Services), Conservation, Credit, Energy, and Research (Agriculture), Financial Institutions and Consumer Credit (Financial Services), Livestock, Dairy, and Poultry (Agriculture).

9. Representative Heath Shuler [D-NC] took $6,000 from the QC Holdings PAC. Shuler serves on the House Committees for Small Business and Transportation and Infrastructure and the Subcommittees on Economic Development, Public Buildings, and Emergency Management, (Transportation and Infrastructure), Highways and Transit (Transportation and Infrastructure), Investigations and Oversight (Small Business), Rural Development, Entrepreneurship and Trade (Small Business).

10. Representative John Salazar [D-CO] took $4,000 from the QC Holdings Inc., PAC. He serves on the Committee on Appropriations and the Select Committee on Energy Independence and Global Warming.

11. Representative Edolphus Towns [D-NY] took $4,000 from the QC Holdings Inc., PAC. He serves on the Committee on Oversight and Government Reform.

12. Representative Mike Ross [D-AR]took $3,000 from the QC Holdings Inc., PAC. He serves on the following House Committees: the Committee on Energy and Commerce and the Committee on Foreign Affairs. He serves on these Subcommittees: Asia, the Pacific, and the Global Environment (Foreign Affairs), Energy and Environment (Energy and Commerce), Health (Energy and Commerce), Oversight and Investigations (Energy and Commerce), The Middle East and South Asia (Foreign Affairs).

13. James A Barnett [R-KS] lost the primary contest to Tim Huelskamp, he took $3,000 from the QC Holdings PAC.

14. Representative Jim Matheson [D-UT] took $2,500 from the QC Holdings Inc., PAC. He serves on the Committees on Energy and Commerce and Science and Technology. He serves on these Subcommittees: Commerce, Trade, and Consumer Protection (Energy and Commerce), Energy and Environment (Science and Technology), Energy and Environment (Energy and Commerce), Health (Energy and Commerce).

15. Representative William L Clay Jr [D-MO] took $2,400 from the QC Holdings Inc., PAC. He serves on the House Committees for Financial Services, the Committee on Oversight and Government Reform, and these Subcommittees: Domestic Monetary Policy and Technology (Financial Services), Federal Workforce, Postal Service, and the District of Columbia (Oversight and Government Reform), Financial Institutions and Consumer Credit (Financial Services), Housing and Community Opportunity (Financial Services), Information Policy, Census, and National Archives (Oversight and Government Reform).

16. Republican David Lloyd Thomas, who lost to Republican Representative-elect Trey Gowdy in the race for South Carolina's 4th District.

17. Representative Spencer Bachus [R-AL] took $2,000 took $2,400 from the QC Holdings Inc., PAC. He serves on the House Financial Services Committee.

18. Representative Lincoln Davis [D-TN] took $2,000 from the QC Holdings Inc., PAC. He serves on these House Committees: the Committee on Foreign Affairs and the Committee on the Judiciary. He serves on these Subcommittees: Crime, Terrorism, and Homeland Security (Judiciary), Europe (Foreign Affairs), International Organizations, Human Rights, and Oversight (Foreign Affairs), The Middle East and South Asia (Foreign Affairs).

19. Representative Ted Deutch [D-FL] took $2,000 from the QC Holdings Inc., PAC. He serves on the House Committees for Foreign Affairs and the Judiciary. He serves on the Subcommittees for Crime, Terrorism, and Homeland Security (Judiciary), Europe (Foreign Affairs), International Organizations, Human Rights, and Oversight (Foreign Affairs), and The Middle East and South Asia (Foreign Affairs).

20. Representative Brad Sherman [D-CA] took $2,000 from the QC Holdings Inc., PAC. He serves on these House Committees: the Committee on Financial Services and the Committee on Foreign Affairs. He serves on these Subcommittees: •Asia, the Pacific, and the Global Environment (Foreign Affairs), Capital Markets, Insurance, and Government Sponsored Enterprises (Financial Services), Domestic Monetary Policy and Technology (Financial Services), Financial Institutions and Consumer Credit (Financial Services), Terrorism, Nonproliferation, and Trade (Foreign Affairs), and The Middle East and South Asia (Foreign Affairs).

21. Representative Bill Foster, [D-IL] took $2,000 from the QC Holdings Inc., PAC. He serves on the House Committees on Financial Services and Oversight and Government Reform. He serves on these Subcommittees: Capital Markets, Insurance, and Government Sponsored Enterprises (Financial Services), Domestic Policy (Oversight and Government Reform), Financial Institutions and Consumer Credit (Financial Services), and National Security and Foreign Affairs (Oversight and Government Reform).

22. Representative Pete Sessions [R-TX] $2,000 from the QC Holdings Inc., PAC. He Serves on the House Rules Committee and the Subcommittee on Rules and Organization of the House (Rules).

23. Representative Scott Garrett [R-NJ] took $2,000 from the QC Holdings Inc., PAC. He Serves on the Committees on the Budget and Financial Services. He is on theses Subcommittees: Capital Markets, Insurance, and Government Sponsored Enterprises (Financial Services), Financial Institutions and Consumer Credit (Financial Services).

24. Representative Mark Schauer [D-MI] took $2,000 from the QC Holdings Inc., PAC. He serves on the Committees for Agriculture and Transportation and Infrastructure. His Subcommittee assignments are: Aviation (Transportation and Infrastructure), Conservation, Credit, Energy, and Research (Agriculture), Highways and Transit (Transportation and Infrastructure), and Railroads, Pipelines, and Hazardous Materials (Transportation and Infrastructure).

25. Representative Deborah Halvorson [D-IL] took $2,000 from the QC Holdings Inc., PAC. She serves on these Committees: the Committee on Agriculture, the Committee on Small Business, and the Committee on Veterans' Affairs. She serves on these Subcommittees: Conservation, Credit, Energy, and Research (Agriculture), Contracting and Technology (Small Business), Disability Assistance and Memorial Affairs (Veteran's Affairs), Finance and Tax (Small Business), General Farm Commodities and Risk Management (Agriculture), and •Health (Veteran's Affairs).

26. Representative Ed Royce [R-CA] took $2,000 from the QC Holdings Inc., PAC. He serves on these Committees: Committees: Financial Services and Foreign Affairs. His Subcommittees assignments are: Asia, the Pacific, and the Global Environment (Foreign Affairs), Capital Markets, Insurance, and Government Sponsored Enterprises (Financial Services), Financial Institutions and Consumer Credit (Financial Services), International Monetary Policy and Trade (Financial Services), Terrorism, Nonproliferation, and Trade (Foreign Affairs), and The Middle East and South Asia (Foreign Affairs).

27. Representative Stephanie Herseth Sandlin [D-SD] took $2,000 from the QC Holdings Inc., PAC. She serves on these Committees: Agriculture, Natural Resources, the Select Committee on Energy Independence and Global Warming, and Veterans' Affairs. She is on these Subcommittees: Conservation, Credit, Energy, and Research (Agriculture), Economic Opportunity (Veteran's Affairs), General Farm Commodities and Risk Management (Agriculture), and National Parks, Forests and Public Lands (Natural Resources).

28. Representative Peter Roskam [R-IL] took $2,000 from the QC Holdings Inc., PAC. He serves on the Committee on Ways and Means. He is on these Subcommittees: Income Security and Family Support (Ways and Means), Oversight (Ways and Means), and the Select Revenue Measures (Ways and Means).

29. Representative Paul E Kanjorski [D-PA] took $2,000 from the QC Holdings Inc., PAC. He serves on these Committees: Financial Services and Oversight and Government Reform. He serves on these Subcommittees: Capital Markets, Insurance, and Government Sponsored Enterprises (Financial Services), Financial Institutions and Consumer Credit (Financial Services), Government Management, Organization, and Procurement (Oversight and Government Reform), and Housing and Community Opportunity (Financial Services).

30. Representative Gary Peters [D-MI] took $2,000 from the QC Holdings Inc., PAC. He serves on these Committees: Financial Services and Science and Technology. He serves on these Subcommittees: Capital Markets, Insurance, and Government Sponsored Enterprises (Financial Services), International Monetary Policy and Trade (Financial Services), and Technology and Innovation (Science and Technology).

31. Representative Suzanne Kosmas [D-FL] took $2,000 from the QC Holdings Inc., PAC. She serves on these Committees: Financial Services and Science and Technology. She serves on these Subcommittees: Capital Markets, Insurance, and Government Sponsored Enterprises (Financial Services), Domestic Monetary Policy and Technology (Financial Services), and Space and Aeronautics (Science and Technology).

32. Representative Patrick J Murphy [D-PA] took $2,000 from the QC Holdings Inc., PAC. He serves on these Committees: Committee on Appropriations and the Permanent Select Committee on Intelligence. He serves on these Subcommittees: Commerce, Justice, Science, and Related Agencies (Appropriations), Energy and Water Development, and Related Agencies (Appropriations), Intelligence Community Management (HIG), Legislative Branch (Appropriations), Oversight and Investigations (HIG), and Technical and Tactical Intelligence (HIG).

33. Representative Frank M Kratovil Jr [D-MD] took $2,000 from the QC Holdings Inc., PAC. He serves on these Committees: Agriculture, Armed Services, and Natural Resources. He serves on these Subcommittees: Air and Land Forces (Armed Services), Conservation, Credit, Energy, and Research (Agriculture), Horticulture and Organic Agriculture (Agriculture), Insular Affairs, Oceans and Wildlife (Natural Resources), Livestock, Dairy, and Poultry (Agriculture), and Readiness (Armed Services).

34. Representative Gregory W Meeks [D-NY] took $2,000 from the QC Holdings Inc., PAC. He serves on these Committees: Financial Services and Foreign Affairs. He serves on these Subcommittees: Africa and Global Health (Foreign Affairs), Asia, the Pacific, and the Global Environment (Foreign Affairs), Domestic Monetary Policy and Technology (Financial Services), Financial Institutions and Consumer Credit (Financial Services), International Monetary Policy and Trade (Financial Services), and The Western Hemisphere (Foreign Affairs).

35. Representative Patrick McHenry [R-NC] took $2,000 from the QC Holdings Inc., PAC. He serves on these Committees: Budget, Financial Services, and the Committee on Oversight and Government Reform. He serves on these Subcommittees: Financial Institutions and Consumer Credit (Financial Services), •Information Policy, Census, and National Archives (Oversight and Government Reform), National Security and Foreign Affairs (Oversight and Government Reform), and Oversight and Investigations (Financial Services).

36. Star Parker [R-CA] took $2,000 from the QC Holdings Inc., PAC. She ran unsuccessfully against Democratic Representative Laura Richardson in the California 37th District race.

37. Representative Rob Wittman [R-VA] took $1,000 from the QC Holdings Inc., PAC. He serves on these Committees: Armed Services and Natural Resources. He serves on these Subcommittees: Insular Affairs, Oceans and Wildlife (Natural Resources), National Parks, Forests and Public Lands (Natural Resources), Oversight and Investigations (Armed Services) Readiness (Armed Services), and Seapower and Expeditionary Forces (Armed Services).

38. Gilbert Cedillo [D-CA] took $1,500 from the QC Holdings Inc., PAC. He lost in the primary to Democratic Representative Judy Chu from California's 32nd District.

39. Representative Yvette Clarke [D-NY] took $1,500 from the QC Holdings Inc., PAC. She serves on these Committees: Education and Labor, Homeland Security, and Small Business. She serves on these Subcommittees: Contracting and Technology (Small Business), Emerging Threats, Cybersecurity, and Science and Technology (HHM), Health, Employment, Labor and Pensions (Education and Labor), Healthy Families and Communities (Education and Labor), Intelligence, Information Sharing, and Terrorism Risk Assessment (HHM), Rural Development, and Entrepreneurship and Trade (Small Business).

40. Representative Jackie Speier took $1000 from the QC Holdings Inc., PAC. She serves on these Committees: Financial Services, Oversight and Government Reform, and the Select Committee on Energy Independence and Global Warming. She serves on these Subcommittees: Capital Markets, Insurance, and Government Sponsored Enterprises (Financial Services), Financial Institutions and Consumer Credit (Financial Services). Government Management, Organization, and Procurement (Oversight and Government Reform), Oversight and Investigations (Financial Services).

41. Representative Jean Schmidt [R-OH] took $1000 from the QC Holdings Inc., PAC. She serves on these Committees: Agriculture and Transportation and Infrastructure. She serves on these Subcommittees: Aviation (Transportation and Infrastructure), Conservation, Credit, Energy, and Research (Agriculture), Department Operations, Oversight, Nutrition, and Forestry (Agriculture), Highways and Transit (Transportation and Infrastructure), Horticulture and Organic Agriculture (Agriculture), and Railroads, Pipelines, and Hazardous Materials (Transportation and Infrastructure).

42. Representative Ron Klein [D-FL] took $1000 from the QC Holdings Inc., PAC. He serves on these Committees: Financial Services and Foreign Affairs. He serves on these Subcommittees: Capital Markets, Insurance, and Government Sponsored Enterprises (Financial Services), Financial Institutions and Consumer Credit (Financial Services), Oversight and Investigations (Financial Services), Terrorism, Nonproliferation, and Trade (Foreign Affairs), The Middle East and South Asia (Foreign Affairs), and The Western Hemisphere (Foreign Affairs).

43. Representative Dennis Cardoza [D-CA] took $1000 from the QC Holdings Inc., PAC. He serves on these Committees: Agriculture and Rules. He serves on these Subcommittees: Horticulture and Organic Agriculture (Agriculture), Legislative and Budget Process (Rules), and Livestock, Dairy, and Poultry (Agriculture).

44. Representative Danny Davis [D-IL] took $1000 from the QC Holdings Inc., PAC. He serves on these Committees: Oversight and Government Reform and Ways and Means. He serves on these Subcommittees: Federal Workforce, Postal Service, and the District of Columbia (Oversight and Government Reform), Income Security and Family Support (Ways and Means), Information Policy, Census, and National Archives (Oversight and Government Reform), and Oversight (Ways and Means).

45. Representative Kevin McCarthy [R-CA] took $500 from the QC Holdings Inc., PAC. He serves on these Committees: Office of the Chief Deputy Republican Whip, Financial Services, House Administration, and the Joint Committee on Printing. He serves on these Subcommittees: Capital Markets, Insurance, and Government Sponsored Enterprises (Financial Services), Elections (HHA), and Financial Institutions and Consumer Credit (Financial Services).

46. Last but not least is Republican Representative-elect Kevin Yoder [R-KS] who took $10,000 from the QC Holdings PAC.

No Democrat should accept money from a predatory lender. Democrats support the working poor and cannot be seen to be taking money from those whose businesses leach vitality from the remnants of America's Middle Class.

Data was supplied by the Center for Responsive Politics' OpenSecrets.org at http://www.opensecrets.org/pacs/pacgot.php?cycle=2010&cmte=C00411769

LYNN JENKINS AND KEVIN YODER AND Q C HOLDINGS - THE PREDATORY PAY DAY LENDER BUYING CONGRESS ONE REPRESENTATIVE AT A TIME

Will Kevin Yoder be a Lynn Jenkins clone? Follow the money to see how much they took from the same sources. I wasn't all that surprised to see these two feeding from the same trough.

The Center for Responsive Politics' OpenSecrets.org provides this eye opening data.

Lynn Jenkins' top contributor was Q C Holdings, the nefarious owner of predatory pay day loan operations. She got $17,250 from Q C Holdings, $12,500 from individuals, and $5,000 from their PAC. Kevin Yoder's top contributor was the same Q C Holdings. Yoder got $34,500 from Q C Holdings, $24,500 individuals, and $10,000 from their PAC.

A multicandidate PAC can give no more than $5,000 per election. General plus primary elections equals $10,000.  To read the FEC contributions limits chart for yourself go to http://www.fec.gov/info/contriblimits0910.pdf.

Q C Holdings' PAC gave Tim Huelskamp $4,500.

Lynn Jenkins took $7,250 from the Cerner Corporation, $7,000 from their PAC, and $250 from individuals. Kevin Yoder did better, he took $24,392 from the Cerner Corporation, $10,000 from their PAC, and $14,392 from individuals. Oddly enough Cerner, whose business is health care delivery say on their website that:

"The American Recovery and Reinvestment Act of 2009 (ARRA) provides approximately $787 billion in spending and tax cuts to stimulate the U.S. economy."

 See, http://www.cerner.com/About_Cerner/Stimulus_and_HITECH/.

In one moment Cerner praises the Stimulus while turning on its heels to support those who deny its efficacy. Being fair we have to acknowledge that Cerner wants to have their cake and eat it also; take the Stimulus and oppose Health Care Reform.

Cerner's PAC also gave Kansans Tim Huelskamp $2,500 and Jerry Moran $5,000. Cerner gave to Missouri Republicans. Sam Graves got $8,000, Jo Ann Emerson received $4,500, and Roy Blunt took $10,000.

THE CASE AGAINST LYNN JENKINS CHAPTER 30 - WHEN YOU LAY WITH DOGS YOU GET FLEAS (OR WATCHING YUPPIE SCUM SUPPORT A MEMBER OF CONGRESS)

This is Lynn Jenkins, she does not represent us

Need a loan? Lynn Jenkins doesn't. Her biggest contributor is QC Holdings. During the 2010 cycle they have given her more money than any other contributor. That's $12,500 from individuals associated with QC Holdings and $5,000 from their PAC. Why would QC Holdings want to give so much?

Maybe it's because they got their proverbial teat in the ringer back in 2007 and they need all the leverage they could get. Back in '07 several banks had to give the Pay Day Rip Off Company, QC Holdings a BAILOUT.

Yuppie Scum owners of QC Holdings, Jill & Darrin Andersen

When a business can't pay its bills and is needing to avoid a default on their loans and the banks RESTRUCTURE the debt, that's a private BAILOUT. That is something the people who are forced to use the legalized loan sharking business QC Holdings offers can't get from a bank.

QC Holdings is a Legalized Loan Sharking Enterprise

Back in '07, the Kansas City Business Journal reported that several banks reached an agreement with the legalized loan sharks to keep them from going belly up on a $45MILLION credit line.

Those banks were, Bank Midwest, Enterprise Bank & Trust, Bank of Oklahoma, and the National City Bank. Well, if a working slob can't get enough of a loan from one of these banks to see him or her to the next paycheck then why are these banks lending money to the legalized loan shark perpetuating the pain of working your keister off and not being able to make ends meet. Don't do business with these banks! They support evil.

How Evil, you ask? http://corporatecrime.wordpress.com/ Corporate Crime Daily,  reports that QC Holdings was sued by the Arizona Attorney General. Here's their press release:

Phoenix, Ariz. - December 4, 2009) Attorney General Terry Goddard today filed a lawsuit alleging deceptive business and debt litigation practices against national payday lender Quik Cash (QC Holdings, Inc., and subsidiary QC Financial Services, Inc.).

The lawsuit seeks up to $5 million in restitution, asks the court to set aside hundreds of deceptively obtained court judgments against Arizona payday loan borrowers and seeks to stop the company from doing business in Arizona.

The suit, filed in Pima County Superior Court, alleges that Quik Cash engaged in a pattern of deceptive business and debt collection litigation practices against hundreds of Arizonans from across the state from 2007 through 2009. The Attorney General requested a Temporary Restraining Order to stop the payday lender from violating Arizona law by deceptively suing debtors in improper court venues.

“The deceptive business and debt litigation practices alleged in the complaint are outrageous and make a mockery of Arizona’s Justice Court system,” Goddard said. “The practices alleged in the complaint allowed the company to obtain a veritable assembly line of default judgments against borrowers who could not pay off their payday loans.”

Quik Cash is one of the largest publicly traded payday lenders in the country with 585 stores nationwide as of last year. Quik Cash has about 38 locations in 12 Arizona counties. In 2008, QC Holdings reportedly originated some $1.35 billion in payday loans and posted revenues of approximately $180 million in payday loan fees. In 2008, profit from its Arizona branches represented nearly 8 percent of its total revenues.

The complaint alleges that from 2007 through 2009, Quik Cash entered into payday loan agreements with consumers from across the state, promising that the agreements would be governed by Arizona law. However, the company then engaged in a widespread deceptive practice of suing hundreds of Arizona payday loan customers from outside of Pima County in the distant forum of Pima County Justice Court. These court filings were far from where the consumers lived or where the loans occurred in alleged violation of state law.

The complaint alleges that Quik Cash’s pattern of deceptive litigation tactics benefited the company by reducing its costs and making it more likely to obtain default judgments against Arizona consumers. After filing suit in the wrong court and county, Quik Cash pursued default judgments and wage garnishment actions in the same distant court venue.

The suit further alleges that Quik Cash deceptively advertised and represented that it follows “mandatory” industry standards requiring lawful methods of debt collection. The suit contends that Quik Cash began aggressive new collection strategies to counter the company’s increasing losses and decreasing collections.

The suit states that at least one Justice of the Peace in Pima County issued orders in several Quik Cash debt collection cases informing the company that it had sued in the wrong court and/or ordering the company to file in the correct county. Quik Cash even sued Nevada customers in Pima County, even though the customers had obtained their payday loans in Bullhead City, Ariz.

Arizona law requires lawsuits on small claims ($10,000 or less) to be filed in Justice Court and in the Justice Court precinct where the defendant lives or where the transaction occurred.

The lawsuit specifically alleges:

● Quik Cash misrepresented to customers that its payday loan agreements will be governed by Arizona law, when in fact the company knowingly violated Arizona law by filing debt collection lawsuits in the incorrect court venue.

● Quik Cash deceptively engaged in “distant forum abuse” by improperly filing lawsuits against Arizonans from across the state in Pima County Justice Court in violation of Arizona law, which increases the debt burden and makes it difficult for consumers to respond, thus increasing the likelihood of obtaining default judgments.

● Quik Cash deceptively filed related default judgments and garnishment actions against consumers in the same distant venue after having deprived consumers of their day in court at the outset of the debt collection litigation.

● Quik Cash deceptively advertised that it follows “mandatory” payday lender association standards requiring lawful collection methods.

The suit asks the Pima County Superior Court to:

Prohibit the defendants from engaging in deceptive or false business practices and advertising and from doing business in the State of Arizona.

Impose a penalty of up to $10,000 for each violation of the Arizona Consumer Fraud Act, which could be up to $5 million in this case.

Set aside the deceptively obtained default judgments against consumers.

Require the defendants to reimburse the Attorney General for costs of the investigation and reasonable attorneys' fees.

Assistant Attorney General Vince Rabago is prosecuting this case. For more information, please contact Steve Wilson at (602) 542-8351.

If you believe you have been a victim of fraud, please contact the Attorney General’s Office in Phoenix at 602.542.5763, in Tucson at 520.628.6504 or outside the Phoenix and Tucson metro areas at 1.800.352.8431. To file a complaint in person, the Attorney General’s Office has satellite offices throughout Arizona with volunteers available to help. Locations and hours are posted on the Attorney General’s Web site, www.azag.gov . An online complaint form is also posted on the Attorney General’s Web site.

So, when Lynn Jenkins says you need to grow up, pay your own bills, and fight your own battles, remind her that she takes more money from the sleaze at QC Holdings than from any other source.

Old Ben Franklin said it best: when you lay with dogs you get up with fleas. And baby that's an itch that 2,147% interest won't cure!

THE CASE AGAINST LYNN JENKINS CHAPTER 5: In Bed with Legalized Loan Sharks - the Payday Rip Off Companies

This is Lynn Jenkins, she does not represent us

Occasionally you see the advertisements on television, soothing music and non-threatening voice over making the gentle persuasion to borrow responsibly. After all everybody needs a little extra cash from time to time. It's alright, come and get a little cash. The trap is set.

You understand of course that it is impossible to borrow responsibly from a loan shark, legalized or not. In Kansas the governing statute is found in Kansas Statutes at §16a-2-40 Payday loans; finance charges; rights and duties. For a payday loan you pay 15% interest, the loan can last from 7 to 30 days and is limited to $500.00.You can only have two loans from a particular lender within a 30 day period.

Beware of Payday Loan Sharks

Gee, that's nice, if you get paid every other week then you can get hooked into a bottomless pit. So if you go in and get the $500 for a two week loan, you write the scoundrels a check for $575.00, which they don't cash if you come back on the due date and pay them off.

Of course, when you pay them back their $500 and the interest of $75, you know you're back to broke because you were living hand to mouth when you first entered their trap. So you get another loan. In two weeks you come back and repeat the fiasco. That's $150 a month going to interest, which will be $1,800 if you do it for a solid year.

This is predatory lending at its worst. In 2007 the Congress agreed and outlawed the most egregious payday loan practices where the borrower was in the Armed Services.

That law prohibits: ◊ Requiring military members to set up an allotment as a condition of receiving a loan. ◊Requiring the use of a vehicle title as security for any loans made to service members and military family members. ◊ Using a check or any other access to a member's financial account as security for a loan. ◊ Lenders from renewing, repaying, refinancing, rolling over, or consolidating consumer credit using the proceeds of other credit granted by the same lender to the military member. ◊ Requiring military members to waive their rights under federal law. ◊ Denying the opportunity for military members to pay the loan off early, and any penalties for early payments. ◊ Any reasonable clauses in the contract designed to make it difficult for military members to take a creditor to court. ◊ States from allowing creditors to violate state consumer loan protections laws for military members who are nonresidents.

That law said these predatory lenders could charge military members no more than 36%!!! The Kansas Law on this is found at In Kansas the governing statute is found in Kansas Statutes at §16a-2-40

You remember H.R. 4173, the Wall Street Reform and Consumer Protection Act from a previous posting. This bill brings the payday lenders under Federal supervision for the first time. You'll find chapter and verse in Title IV the Consumer Financial Protection Agency Act.

Now why do you think Lynn Jenkins voted against this bill? Her top contributor during the 2009 - 2010 election cycle was QC Holdings. QC Holdings is a publicly traded payday loan company based in Overland Park, Kansas with over 500 stores nationwide. They've given Lynn Jenkins $17,500 and she's carrying water for them. That's $17,500 extracted from desperate Americans gone to Lynn Jenkins so she can vote against bills like The Wall Street Reform and Consumer Protection Act of 2009, H.R. 4173. 

Do you remember the spider and the fly?

The Spider And The Fly

by Mary Howitt (1799-1888)

"Will you walk into my parlor?" said the spider to the fly;

"'Tis the prettiest little parlor that ever you may spy.

The way into my parlor is up a winding stair,

And I have many curious things to show when you are there."

"Oh no, no," said the little fly; "to ask me is in vain,

For who goes up your winding stair can ne'er come down again."

"I'm sure you must be weary, dear, with soaring up so high.

Well you rest upon my little bed?" said the spider to the fly.

"There are pretty curtains drawn around; the sheets are fine and thin,

And if you like to rest a while, I'll snugly tuck you in!"

"Oh no, no," said the little fly, "for I've often heard it said,

They never, never wake again who sleep upon your bed!"

Said the cunning spider to the fly: "Dear friend, what can I do

To prove the warm affection I've always felt for you?

I have within my pantry good store of all that's nice;

I'm sure you're very welcome - will you please to take a slice?"

"Oh no, no," said the little fly; "kind sir, that cannot be:

I've heard what's in your pantry, and I do not wish to see!"

"Sweet creature!" said the spider, "you're witty and you're wise;

How handsome are your gauzy wings; how brilliant are your eyes!

I have a little looking-glass upon my parlor shelf;

If you'd step in one moment, dear, you shall behold yourself."

"I thank you, gentle sir," she said, "for what you're pleased to say,

And, bidding you good morning now, I'll call another day."

The spider turned him round about, and went into his den,

For well he knew the silly fly would soon come back again:

So he wove a subtle web in a little corner sly,

And set his table ready to dine upon the fly;

Then came out to his door again and merrily did sing:

"Come hither, hither, pretty fly, with pearl and silver wing;

Your robes are green and purple; there's a crest upon your head;

Your eyes are like diamond bright, but mine are dull as lead!"

Alas, alas! how very soon this silly little fly,

Hearing his wily, flattering words, came slowly flitting by;

With buzzing wings she hung aloft, then near and nearer grew,

Thinking only of her brilliant eyes and green and purple hue,

Thinking only of her crested head. Poor, foolish thing! at last

Up jumped the cunning spider, and fiercely held her fast;

He dragged her up his winding stair, into the dismal den -

Within his little parlor - but she ne'er came out again!

And now, dear little children, who may this story read,

To idle, silly flattering words I pray you ne'er give heed;

Unto an evil counselor close heart and ear and eye,

And take a lesson from this tale of the spider and the fly.