Anyone know how to get out of payday loan hell in illinois?

Sarcastic, rude, and snotty comments need not be left. In this economy people, I recently being one of them have no choice but to turn to all means needed to get by. Up until 2009 I was living well, my husband however is now because he is a union worker in a construction field isn’t working. I also since 2008 have taken over a $8000 cut in my pay, so while we have cut back it seems like it just isn’t getting better. I made a huge error in getting a payday loan, something I’ve said I never did. They are vicous, found my self having to get another just so as I could pay the interest. So now I have 3! I pay $35, $75, and $55 a paycheck (every 2 weeks) But I can’t afford to pay these off. Starting this JAN sadly his insurance was cut off and I had to take it out, its $400 a month less that I am making. So while I thought I could just pay these off now because of my insurance I just can’t and I got my self into this horribe circle. I don’t want to close my bank account, nor do I want these lenders calling my job. Any GOOD positive adivce would be appreciated. I would love for them to stop debiting the finance charge and set up monthly repayments? Not sure they will do this though. HELP!!! Please

i need a payday loan and can’t get a lender i need one bad?

i have tryed for days now and i just keep being sent to different web sites i just need to get 500 dollars to pay a house payment
please someone help me i don’t know what to do

How do you rate the Republican stalling tactics to prevent Financial Reform and keep the big banks and payday?

lender raking in the cash and taking the change from our pockets?

So far it seems to be working as planned, stalling until the pesty amendments such as a 50 cent cap on debit card fees and allowing the payday lenders to keep charging 300% interest on short term loans.

I personally feel that we should applaud the valiant efforts of Republicants to keep the rich rich and the poor poor. That is their agenda, is it not?

Where can I go to get a bad credit personal loan (unsecured)?

I have bad credit and need a loan. I don’t want to take chances with payday lenders, car title lenders, or with my house. All I need is a quick $2,000. Any advice?

DOES ANYONE REALLY FIND HONEST LENDERS??

I HAVE BEEN SEVERAL PLACES LOOKING FOR A LOAN NOT PAYDAY LENDERS BUT HONEST LENDERS WHO HAVE ACTUALLY HELPED PEOPLE WITH LOANS AND CAN BE VERIFIED .

question about consolidation……?

Okay, I made some bad decisions and took out a couple payday loans, they are killing my paycheck each month. And, I have some high credit card bills because of my husbands illness. Before he got onto health insurance we were paying for his insulin (expensive) plus we have a 1 and 2 year old in daycare and diapers. So, I just wonder about debt conslidation. has anyone used it…? Does it really work….? Is is a good idea?

Auto loan for debt consolidation?

I have less than perfect credit, and I was wondering if I could apply for an auto loan in order to consolidate and pay off all my payday loan debt of about $5000? Ive tried getting personal loans but I can’t get approved anywhere, and I need a solution fast because all my payments are about to be due.

I need financial help/advice! PLEASE ?

okay so currently i am at a stand still financially. its kind of worrying me because i can barley make ends meet and i have no other financial support from anyone else. even financial advice for that matter. the only person i can turn to is my other half, however my other half if currently unemployed so that kind of makes matters a little worse, but its so hard to find him a job, we’ve like put it over 100 applications all over and no luck so far, but heres the thing. here is the question id like to ask and get SERIOUS advice and help with. I am 19 and I am in debt. not 10k debt, id say around 3k or so. out of everything, i believe what is hurting me most is the numerous payday loans i have out there that i have made to try and have extra cash in my pocket. what is hurting me every 2 weeks i get paid is renuing them, and i want to get out of them so badly so i could pay other things that i owe with my check and at least for once in these 5 hectic months have something to last me off of my check till the next check for like gas, food and such. i want to know what would be the best method in getting out of all these loans and start getting down to business. also if someone would happen to know where i would be able to make a debt consolidation loan or some kind of loan that would help someone like me out, esp with the fact that i am from louisiana and the economy sucks out here. i tried onemain financial however i couldnt b/c i needed a co signer and i dont have that. i want to try to find some kind of place that would let me borrow like 2k to get out of some of this debt.

my payday loans are as follows
a. 60.00—borrowed 50
b. 190.00—borrowed 150
c. 280.00—borrowed 225
d. 345.00—borrowed 290
e. 305.00—borrowed 250

i am not sure of the interest rate on these loans but every two weeks when i renew them, the “fee” i pay to get what i borrowed back is

a. 10.00
b. 40.00
c. 55.00
d. 55.00
e. 55.00

other debts are 411.00 overdraft in one bank accnt, abt 400 owed to a credit card that i havent been paying on because i couldnt afford it. i also had to let my insurance lapse because i couldnt afford to pay it and that is 447 i owe to them and i guess on top of that what i will have to pay also to the dmv and that is about it. i need help of advice if possible. the reason why i believe i got into all this mess is because a while back i was trying to help someone and a loan that i had weeks before that and didnt pay back went to my accnt and took all my check and from then on i basically had to make loans every so often to keep money in my pocket. also on average i make 80 hrs a week at my job and get paid 9.50. i hope this helps the people that are reading this and are interested in my story. thank you for your support.
im sorry// correction….i make 80 hrs every 2 weeks (40/per week)
@talk turkey : i made a correction; is it possible you could revise your answer since that particular info i provided wasnt correct
@ tony p : unfortunatlly my better half has a few mental disabilities that refrains him frm working in public however we have put in overtime to find something suitable for him so that he can help out because he reallllly wants too. im in a bad situation i guess that i regret ever getting myself into. i wish i want so naieve to money savings and everything. i feel like im going to be stuck forever. then on top of that i have school coming up in the spring and i have to juggle all of this!. my life is a living hell

Thank you all for your answers to my questions.?

So, what you guys are saying is that I can place the two payday loans that I have on my bill consolidation? Oh, with all my medical bills and my other bills I owe a total of around 5,000.00. And to the person who said that I should get a job and pay my bills. I have a job where I have been employed for serval years I just had got hurt and I was off of work for awhile and couldn’t pay all my bills that’s all. I had gotten the two payday loans before I had got hurt.

What credit card do I have a chance of getting with bad credit?

my credit score on experian is 524, I am looking for a credit card with low or no initial fees or yearly fees but I can have a high interest rate because I plan on paying it off each month to build up my credit. does anyone know a card that would be most likley to approve me with this criteria?

I was pre approved for first premier bank card but with all the fees it ended up being 250 – 300 debt before I would even spend a penny on the card. and thats before eve n knowing the balance.

im not looking to go into more debt, Ive been paying off debt I had from 8 years ago, for about a year now on a debt consolidation plan. for some reason it didn’t start showing i was paying current till january, even though I have been paying on the card since july. I contested the charges of being late paying and even called my debt consolidation organization to see what they can do about it. my credit score SHOULD NOT BE AS LOW AS IT IS!

the reason I want the credit card incase you are wondering, is I have to get a rental car and all rentals require a credit card. also we are short about $200 for our vacation because we didn’t budget having to get a rental. we are going to ride down with a friend to san antonio but now she has decided not to take her car. she doesn’t have good credit either. about as good as mine. so I cant have her get a rental.

this is why I cant get a prepaid card right now, I know they build on credit, I would like to get one, but you have to put money upfront and my money is going to be tight until half way through our vacation on the third when my hubbie gets paid.

then well have more than enough to pay off the the credit card

dont want to be condsidering pawning or payday loans because the interest is so high even when you pay on time unlike a credit card

and for any one who wants to be captain obvious and say shouldn’t of had bad credit to begin with and you wouldn’t be i this mess…you are preaching to the choir. i ought to have know better but have since learned my lesson and am diffinalty paying for it

for an entire year now I have been paying 400 a month toward old credit card. whats your smart butt remark compared to that?

wow, I said alot, hope this explains everything. only looking for credit card solutions at this point, if you dont have3 any, dont answer.

thanks
lol, im not a dude, I realized im on his account, but im a girl. rolf

Help with my payday loan!?

Last year I took out a payday loan for $1,000. Every month I go into the store and pay $140 fee to take out a “new loan” at the same place to cover the $1,000. Technically I would already have it paid off by now and then some. I don’ t know if this is considered a “roll over” loan, but I was doing some research and I know they are illegal in Ohio. Can someone please give me some advice?

What type of jobs are available for people who have a high school diploma?

I plan on going back to school in Janurary but I have had terrible luck looking for a job and I am a single mother of a 2 year old and I was wondering what types of jobs are available to me!! I have 3 years customer service and 3 months of Store Management experiance at a payday loan store but no one seems to be hiring!!!

Can I borrow loads of money and move abroad?

If I were to borrow £50,000, 20k from an unsecured loan, 15k from credit cards and the rest from payday loan companies, store cards and bank overdrafts and left the country what would happen? Would I get away with it providing I did not come back to the UK for at least 6 years. As far as I know there is no law against not paying back your debts. Thanks for your answers in advance.

I need to get out of payday loans!!! Help !!!!!?

I have a few store front payday loans, not the online kind. Is there any way to get out of them legally?? Also does anyone know of a way for a person with bad credit to get a loan that does not have a super high interest rate?? Thanks in advance!!!!

Working at a payday loan business bad for future employment?

My friend has fallen on hard times and needs a job. He has great qualification and has been offered a GM position at a payday loan company. He doesn’t like it too much ethically but he can stand it for a year or so.

Business is booming at these places as you can imagine and he will be very well trained. Plus, his store will be located in a higher income area so many of the customers will be using western union, small business owners needing to cash a check fast, and things like that.

Will working as a branch manager look bad to future employers? I know that many think it’s predatory lending but he doesn’t set the prices, he just works there. Will this screw him in the end?

Thank You,

TJ

Where Can I get a guaranteed $ 550 loan today?

Trying to avoid payday loans. Any personal Lender that would get me the money today? Can pay back . Please I need to get to L.A by Sunday VERY IMPORTANT!!!

How do I get in touch with this payday loan lender who keeps stealing from me?

About a month ago I applied for a payday loan from one company online. Several companies contacted me, and one actually deposited money into my account without me knowing it. I didn’t know who did it or how it even got there until 2 weeks later they sent an email and hit me with a $90 finance charge and I could see a name. I’ve called and left them messages, emailed, faxed, and even contacted the BBB with no luck getting in touch with them to plead my case. How can I get this resolved? Friday is payday and they sent me another email saying I owe another $90 to them in finance charges! This is going to put the total over $270 just in fees!! Should I just close my checking account? Contact the bank? I literally have NOWHERE to turn at this point…. The name of the company is Shoreline Online LLC,/ CWB Services. I can’t find any direct contact information for them. I need to get out of this by Friday! And if I withdraw all my money and put it in another account, wont that be an NSF on my current account then? Should I only do that if my current bank wont work with me?

Isn’t a “Payday Loan” lender the same as a loan shark?

Or maybe even a drug dealer? The whole principle doesn’t seem acceptable. It clearly “preys” on the poor.

Are there really any true payday loan sites on the web?

I have been searching and searching for a payday loan, but the problem I am running into is either they state at the bottom of the page: *The operator of this website is not a lender.* or they don’t state it and then they send you to another lending site that says the same thing. I have only found two so far, but I don’t meet the requirements. The two I found want me to have had my checking account for 2 years or more, and they want me to have had my address for 2 years or more.

trustworthy payday loan?

my girlfriend is in financial trouble, we’ve tried everything. she owes her bank and has a police record, so they’re threatening to have her arrested. she did this once before, she better learn this time.

anyone know a trustworthy payday lender? i know there are terrible interest rates, we only need $150 and can’t find anyone to give it to us.
we cannot wait… i had to go on unemployment because i work at a college(winter break now) so i am not going to get paid till the 29th. unemployment hasn’t even kicked in still and i’ve been out of work since the 20th… her bank is trying to get her charged with fraud

If I consolidate my payday loans will it affect my credit?

I’m in over my head in payday loans and Yes! I do know it’s a bad thing, problem is I need help and am looking to consolidate my bills and roll them into it. I know the bills on my credit will affect my credit, but will my payday loans show up? Do you recommend any companies?

Does anyone know what the laws on payday loans in Utah are? What are the consumers rights?

I recently went back to school and got some payday loans to help buy books and things now I am in a pickle and am wondering if I have any rights as the consumer…HELP

How can a find a loan, not payday loans with umm fair credit with a co-signer?

I have been searching for a loan. Either they want you to pay a fee to find a loan which I think is a scam. Then there are payday loans which I an up to my chitty chin chin in. I just want a smal loan to consolidate my bills right now. I have a co-signer. my credit is ok, not great but ok

How to get help with Payday Loans Las Vegas?

I have payday loans, but I don’t have the money to pay them back due to recession. Is there any payment plans for customers?
Will they put me in jail or take me to court? Or will this just go on my credit report?

Is there a consolidation loan to pay off payday loans?

I made a huge mistake in using payday loans to help pay bills during a rough time. Now I can’t get from under them and it’s hard to pay on my regular bills. My credit is 495 therefore it has been hard to get a loan.
Is there help for me? Once i can get these loans paid I can make the monthly pay’ts.