CORRESP 1 filename1.htm CORRESP

 

LOGO

Cash America International, Inc.

1600 West 7th Street

Fort Worth, Texas 76102

January 9, 2014

 

United States Securities and Exchange Commission

   VIA EDGAR

Division of Corporate Finance

  

101 F Street, NE

  

Washington, DC 20549

  

 

  Re: Cash America International, Inc. (the “Company”) and the Guarantors listed on

Schedule I attached hereto (together, the “Registrants”)

Exchange Offer Pursuant to Registration Statement on Form S-4

File No: 333-192279

Pursuant to Rule 461 under the Securities Act of 1933, as amended (the “Securities Act”), the Registrants hereby request acceleration of the effectiveness of the Registration Statement on Form S-4 (No. 333-192279) (the “Registration Statement”) to 4:00 p.m., Washington, D.C. time, on January 13, 2014, or as soon thereafter as is practicable. The undersigned confirm that they are aware of their responsibilities under the Securities Act and the Securities Exchange Act of 1934, as amended, as they relate to the proposed public offering of the securities being registered pursuant to the aforementioned Registration Statement.

The Registrants acknowledge that the adequacy and accuracy of the disclosure in the Registration Statement is the responsibility of the Registrants. The Registrants further acknowledge that:

 

   

should the Securities and Exchange Commission (the “Commission”) or the staff of the Commission (the “Staff”), acting pursuant to delegated authority, declare the filing effective, such declaration does not foreclose the Commission from taking any action with respect to the filing;

 

   

the action of the Commission or the Staff, acting pursuant to delegated authority, in declaring the filing effective, does not relieve the Registrants from their full responsibility for the adequacy and accuracy of the disclosure in the filing; and


   

the Registrants may not assert Staff comments and the declaration of effectiveness as a defense in any proceeding initiated by the Commission or any person under the federal securities laws of the United States.

Upon grant of our request to accelerate effectiveness, we would appreciate your communicating to the Company’s counsel, L. Steven Leshin, via telephone at (214) 468-3348, confirmation of the exact time at which the Registration Statement was declared effective.

 

Very truly yours,
  ISSUER:
  CASH AMERICA INTERNATIONAL, INC.
  By:  

/s/ J. Curtis Linscott

    Name: J. Curtis Linscott
    Title: Executive Vice President, General Counsel and Secretary
  GUARANTORS:
  ENOVA INTERNATIONAL, INC.
  By:  

/s/ J. Curtis Linscott

    Name: J. Curtis Linscott
    Title: Vice President and Assistant Secretary
  CASH AMERICA MANAGEMENT L.P.
  CASH AMERICA PAWN L.P.
  By:   Cash America Holding, Inc.
    The General Partner of each of the foregoing entities
   

By:

 

/s/ J. Curtis Linscott

      Name: J. Curtis Linscott
      Title: Executive Vice President and Secretary

 

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OHIO NEIGHBORHOOD CREDIT SOLUTIONS, LLC
By:   Ohio Neighborhood Finance, Inc.,
  Its sole member
  By:  

/s/ J. Curtis Linscott

    Name: J. Curtis Linscott
    Title: Executive Vice President and Secretary
CNU ONLINE HOLDINGS, LLC
DEBIT PLUS, LLC
BILLERS ACCEPTANCE GROUP, LLC
DP LABOR HOLDINGS, LLC
ENOVA FINANCIAL HOLDINGS, LLC
PF LABOR HOLDINGS, LLC
By:  

/s/ J. Curtis Linscott

  Name: J. Curtis Linscott
  Title: Executive Vice President and Secretary
BRONCO PAWN & GUN, INC.
CASH AMERICA ADVANCE, INC.
CASH AMERICA FINANCIAL SERVICES, INC.
CASH AMERICA FRANCHISING, INC.
CASH AMERICA GLOBAL FINANCING, INC.
CASH AMERICA GLOBAL SERVICES, INC.
CASH AMERICA HOLDING, INC.
CASH AMERICA, INC.
CASH AMERICA, INC. OF ALABAMA
CASH AMERICA, INC. OF ALASKA
CASH AMERICA, INC. OF COLORADO
CASH AMERICA, INC. OF ILLINOIS
CASH AMERICA, INC. OF INDIANA
CASH AMERICA, INC. OF KENTUCKY
CASH AMERICA, INC. OF LOUISIANA
CASH AMERICA OF MISSOURI, INC.
CASH AMERICA, INC. OF NEVADA
CASH AMERICA, INC. OF NORTH CAROLINA
CASH AMERICA, INC. OF OKLAHOMA
CASH AMERICA, INC. OF SOUTH CAROLINA
CASH AMERICA, INC. OF TENNESSEE
CASH AMERICA, INC. OF UTAH
CASH AMERICA, INC. OF VIRGINIA

 

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CASH AMERICA INTERNET SALES, INC.
CASH AMERICA OF MEXICO, INC.
CASH AMERICA PAWN, INC. OF OHIO
CASHLAND FINANCIAL SERVICES, INC.
CNU DOLLARSDIRECT INC.
CNU DOLLARSDIRECT LENDING INC.
DOC HOLLIDAY’S PAWNBROKERS & JEWELLERS, INC.
ENOVA ONLINE SERVICES, INC.
EXPRESS CASH INTERNATIONAL CORPORATION
FLORIDA CASH AMERICA, INC.
GAMECOCK PAWN & GUN, INC.
GEORGIA CASH AMERICA, INC.
HORNET PAWN & GUN, INC.
LONGHORN PAWN AND GUN, INC.
MOBILE LEASING GROUP, INC.
MR. PAYROLL CORPORATION
OHIO NEIGHBORHOOD FINANCE, INC.
TIGER PAWN & GUN, INC.
UPTOWN CITY PAWNERS, INC.
VINCENT’S JEWELERS AND LOAN, INC.
By:  

/s/ J. Curtis Linscott

  Name: J. Curtis Linscott
  Title: Executive Vice President and Secretary
CNU OF ALABAMA, LLC
CNU OF ALASKA, LLC
CNU OF ARIZONA, LLC
CNU OF CALIFORNIA, LLC
CNU OF COLORADO, LLC
CNU OF DELAWARE, LLC
CNU OF FLORIDA, LLC
CASHNETUSA OF FLORIDA, LLC
CNU OF HAWAII, LLC
CNU OF IDAHO, LLC
CNU OF ILLINOIS, LLC
CNU OF INDIANA, LLC
CNU OF KANSAS, LLC
CNU OF LOUISIANA, LLC
CNU OF MAINE, LLC
CASHNET CSO OF MARYLAND, LLC
CNU OF MICHIGAN, LLC
CNU OF MINNESOTA, LLC
CNU OF MISSISSIPPI, LLC
CNU OF MISSOURI, LLC

 

-4-


CNU OF MONTANA, LLC
CNU OF NEVADA, LLC
CNU OF NEW HAMPSHIRE, LLC
CNU OF NEW MEXICO, LLC
CNU OF NORTH DAKOTA, LLC
CNU OF OHIO, LLC
OHIO CONSUMER FINANCIAL SOLUTIONS, LLC
CNU OF OKLAHOMA, LLC
CNU OF OREGON, LLC
CNU OF RHODE ISLAND, LLC
CNU OF SOUTH CAROLINA, LLC
CNU OF SOUTH DAKOTA, LLC
CNU OF TENNESSEE, LLC
CNU OF TEXAS, LLC
CNU OF UTAH, LLC
CNU OF VIRGINIA, LLC
CNU OF WASHINGTON, LLC
CNU OF WISCONSIN, LLC
CNU OF WYOMING, LLC
DOLLARSDIRECT, LLC
CNU TECHNOLOGIES OF ALABAMA, LLC
CNU TECHNOLOGIES OF ARIZONA, LLC
CNU TECHNOLOGIES OF CALIFORNIA, LLC
CNU TECHNOLOGIES OF IOWA, LLC
CNU TECHNOLOGIES OF NEW MEXICO, LLC
CNU TECHNOLOGIES OF SOUTH CAROLINA, LLC
CNU TECHNOLOGIES OF WISCONSIN, LLC
TRAFFICGEN, LLC
CASHEURONET UK, LLC
ENOVA INTERNATIONAL GEC, LLC
EURONETCASH, LLC
ENOVA BRAZIL, LLC
AEL NET MARKETING, LLC
AEL NET OF MISSOURI, LLC
NC FINANCIAL SOLUTIONS, LLC
By:   CNU Online Holdings, LLC,
  The sole member of each of the foregoing entities
  By:  

/s/ J. Curtis Linscott

    Name: J. Curtis Linscott
    Title: Executive Vice President and Secretary

 

-5-


NC FINANCIAL SOLUTIONS OF ALABAMA, LLC
NC FINANCIAL SOLUTIONS OF ARIZONA, LLC
NC FINANCIAL SOLUTIONS OF CALIFORNIA, LLC
NC FINANCIAL SOLUTIONS OF COLORADO, LLC
NC FINANCIAL SOLUTIONS OF DELAWARE, LLC
NC FINANCIAL SOLUTIONS OF GEORGIA, LLC
NC FINANCIAL SOLUTIONS OF IDAHO, LLC
NC FINANCIAL SOLUTIONS OF ILLINOIS, LLC
NC FINANCIAL SOLUTIONS OF KANSAS, LLC
NC FINANCIAL SOLUTIONS OF MARYLAND, LLC
NC FINANCIAL SOLUTIONS OF MISSISSIPPI, LLC
NC FINANCIAL SOLUTIONS OF MISSOURI, LLC
NC FINANCIAL SOLUTIONS OF NEVADA, LLC
NC FINANCIAL SOLUTIONS OF NEW MEXICO, LLC
NC FINANCIAL SOLUTIONS OF NORTH DAKOTA, LLC
NC FINANCIAL SOLUTIONS OF OHIO, LLC
NC FINANCIAL SOLUTIONS OF SOUTH CAROLINA, LLC
NC FINANCIAL SOLUTIONS OF SOUTH DAKOTA, LLC
NC FINANCIAL SOLUTIONS OF TENNESSEE, LLC
NC FINANCIAL SOLUTIONS OF TEXAS, LLC
NC FINANCIAL SOLUTIONS OF UTAH, LLC
NC FINANCIAL SOLUTIONS OF VIRGINIA, LLC
NC FINANCIAL SOLUTIONS OF WISCONSIN, LLC
By:   NC Financial Solutions, LLC
  The sole member of each of the foregoing entities
  By:  

/s/ J. Curtis Linscott

    Name: J. Curtis Linscott
    Title: Executive Vice President and Secretary
CASHNETUSA CO LLC
CASHNETUSA OR LLC
THE CHECK GIANT NM LLC
By:   CNU of New Mexico, LLC,
  Manager of each of the foregoing entities
  By:   CNU Online Holdings, LLC
    Its sole member
    By:  

/s/ J. Curtis Linscott

      Name: J. Curtis Linscott
      Title: Executive Vice President and Secretary

 

-6-


DEBIT PLUS TECHNOLOGIES, LLC
DEBIT PLUS SERVICES, LLC
DEBIT PLUS PAYMENT SOLUTIONS, LLC
By:   Debit Plus, LLC,
  The sole member of each of the foregoing entities
  By:  

/s/ J. Curtis Linscott

    Name: J. Curtis Linscott
    Title: Executive Vice President and Secretary
STRATEGIC RECEIVABLE MANAGEMENT SOLUTIONS, LLC
By:  

/s/ J. Curtis Linscott

  Name: J. Curtis Linscott
  Title: Manager
CAMEX HOLDING, LLC
By:   Cash America of Mexico, Inc.,
  Its sole member
  By:  

/s/ J. Curtis Linscott

    Name: J. Curtis Linscott
    Title: Executive Vice President and Secretary

 

-7-


SCHEDULE I

 

Name of Guarantor:
AEL Net Marketing, LLC
AEL Net of Missouri, LLC
Billers Acceptance Group, LLC
Bronco Pawn & Gun, Inc.
CAMex Holding, LLC
Cash America Advance, Inc.
Cash America Financial Services, Inc.
Cash America Franchising, Inc.
Cash America Global Financing, Inc.
Cash America Global Services, Inc.
Cash America Holding, Inc.
Cash America Internet Sales, Inc.
Cash America Management L.P.
Cash America of Mexico, Inc.
Cash America of Missouri, Inc.
Cash America Pawn L.P.
Cash America Pawn, Inc. of Ohio
Cash America, Inc.
Cash America, Inc. of Alabama
Cash America, Inc. of Alaska
Cash America, Inc. of Colorado
Cash America, Inc. of Illinois
Cash America, Inc. of Indiana
Cash America, Inc. of Kentucky
Cash America, Inc. of Louisiana
Cash America, Inc. of Nevada
Cash America, Inc. of North Carolina


Cash America, Inc. of Oklahoma
Cash America, Inc. of South Carolina
Cash America, Inc. of Tennessee
Cash America, Inc. of Utah
Cash America, Inc. of Virginia
CashEuroNet UK, LLC
Cashland Financial Services, Inc.
CashNet CSO of Maryland, LLC
CashNetUSA CO LLC
CashNetUSA of Florida, LLC
CashNetUSA OR LLC
Creazione Estilo, S.A. de C.V., a Mexican sociedad anónima de capital variable
CNU DollarsDirect Inc.
CNU DollarsDirect Lending Inc.
CNU of Alabama, LLC
CNU of Alaska, LLC
CNU of Arizona, LLC
CNU of California, LLC
CNU of Colorado, LLC
CNU of Delaware, LLC
CNU of Florida, LLC
CNU of Hawaii, LLC
CNU of Idaho, LLC
CNU of Illinois, LLC
CNU of Indiana, LLC
CNU of Kansas, LLC
CNU of Louisiana, LLC
CNU of Maine, LLC
CNU of Michigan, LLC


CNU of Minnesota, LLC
CNU of Mississippi, LLC
CNU of Missouri, LLC
CNU of Montana, LLC
CNU of Nevada, LLC
CNU of New Hampshire, LLC
CNU of New Mexico, LLC
CNU of North Dakota, LLC
CNU of Ohio, LLC
CNU of Oklahoma, LLC
CNU of Oregon, LLC
CNU of Rhode Island, LLC
CNU of South Carolina, LLC
CNU of South Dakota, LLC
CNU of Tennessee, LLC
CNU of Texas, LLC
CNU of Utah, LLC
CNU of Virginia, LLC
CNU of Washington, LLC
CNU of Wisconsin, LLC
CNU of Wyoming, LLC
CNU Online Holdings, LLC
CNU Technologies of Alabama, LLC
CNU Technologies of Arizona, LLC
CNU Technologies of California, LLC
CNU Technologies of Iowa, LLC
CNU Technologies of New Mexico, LLC
CNU Technologies of South Carolina, LLC
CNU Technologies of Wisconsin, LLC


Debit Plus Payment Solutions, LLC
Debit Plus Services, LLC
Debit Plus Technologies, LLC
Debit Plus, LLC
Doc Holliday’s Pawnbrokers & Jewellers, Inc.
DollarsDirect, LLC
DP Labor Holdings, LLC
Enova Brazil, LLC
Enova Financial Holdings, LLC
Enova International, Inc.
Enova International GEC, LLC
Enova Online Services, Inc.
EuroNetCash, LLC
Express Cash International Corporation
Florida Cash America, Inc.
Gamecock Pawn & Gun, Inc.
Georgia Cash America, Inc.
Hornet Pawn & Gun, Inc.
Longhorn Pawn and Gun, Inc.
Mobile Leasing Group, Inc.
Mr. Payroll Corporation
NC Financial Solutions of Alabama, LLC
NC Financial Solutions of Arizona, LLC
NC Financial Solutions of California, LLC
NC Financial Solutions of Colorado, LLC
NC Financial Solutions of Delaware, LLC
NC Financial Solutions of Georgia, LLC
NC Financial Solutions of Idaho, LLC
NC Financial Solutions of Illinois, LLC


NC Financial Solutions of Kansas, LLC
NC Financial Solutions of Maryland, LLC
NC Financial Solutions of Mississippi, LLC
NC Financial Solutions of Missouri, LLC
NC Financial Solutions of Nevada, LLC
NC Financial Solutions of New Mexico, LLC
NC Financial Solutions of North Dakota, LLC
NC Financial Solutions of Ohio, LLC
NC Financial Solutions of South Carolina, LLC
NC Financial Solutions of South Dakota, LLC
NC Financial Solutions of Tennessee, LLC
NC Financial Solutions of Texas, LLC
NC Financial Solutions of Utah, LLC
NC Financial Solutions of Virginia, LLC
NC Financial Solutions of Wisconsin, LLC
NC Financial Solutions, LLC
Ohio Consumer Financial Solutions, LLC
Ohio Neighborhood Credit Solutions, LLC
Ohio Neighborhood Finance, Inc.
PF Labor Holdings, LLC
Strategic Receivable Management Solutions, LLC
The Check Giant NM LLC
Tiger Pawn & Gun, Inc.
TrafficGen, LLC
Uptown City Pawners, Inc.
Vincent’s Jewelers and Loan, Inc.