If you get stuck paying back payday loans is there something you can do?

I have three payday loans and are all due at the same time. I know it was dumb of me, but I want to know if there is a way of getting help or what do you guys suggest I do?

Is it against the law to have more than two payday loans?

I have two payday loans with two different loan offices. Is this against the law? And can I place a payday loan on my bill consolidation plan?

Is it possible to do Debt Consolidation on payday loans while in a consumer proposal?

I’m currently in a consumer proposal with a remaining balance of $7000, I recently got my self cought up in 4 payday loans worth $2000 and i’m stuck in the payday cycle. My question is, is it possible to get a debt consolidation done on these payday loans while in my proposal. I can not get a loan anywhere because of the consumer proposal. Thanks

Any one know a bank that will give me a loan to consolidate a few thousand in high intrest payday loans?

Any one know a bank that will give me a loan to consolidate a few thousand in high intrest payday loans? I have fair credit, 620 score but my bank wont give me one and I prefer online providers any way.

What happens if you don’t pay on one of those payday loans?

My mom got 3 payday loans to pay for car repairs now she pays 1000 a month just to those 3 and cannot afford any of her other bills. She is on somewhat of a fixed income and I need to help her to stop her from working to death. I have told her just to stop paying them and let them take you to court? Is this good advice?

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

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

Does anyone know of a direct lender for online payday loans?

One with no credit checks. I can’t find direct lenders. All of them so far have been wishy washy.

Payday interest too much….?

I had to take out $2500 in payday loans to pay some emergency medical bills. The interest alone is going to cost me $550 each pay period (twice a month). I know all of the horror stories of taking these out, but I had no one else to get a loan from. I looked up several companies that say they can negotiate with the payday loan lenders, just like when you consolidate credit cards. I was wondering if anyone had ever heard of or knew anyone that had done business with PDL Assistance or Langhorne Debt Solutions. PDL Assistance told me that I could have these paid off in 10 months with a $230/month payment. They will email me the contract and I have to send them the form back that authorizes them to talk to my 3 lenders to negotiate the loans. They will also send me a form to take to my bank that will stop the 3 lenders from withdrawing any further debits from my account. They did not tell me to close my account. Any suggestions?

when a lender tells you that you need a voided personal check to get a payday loan how do you get it?

I have never had a payday loan before and I was wondering do I go by a check from the store and write void on it or do I have to stamp it or what do i have to do because I have no Idea.

Where can I find a “hard money” lender for a personal unsecured loan, without being a payday loan. Need $4k.

are big banks behind the proliferation of payday lenders?

payday lenders do not report to credit bureaus, big banks can keep you trapped in the turn down cycle, while still making money off you without approving you for a traditional loan, is this not a violation of the ecoa act of 1974?

payday loans…. Not check loans sorry.?

I got two payday loans and you have to write a check without money in the account to get them. My bank closed my account because they charged me over $285 in overdraft fees for a $10 preauthorization. I am fighting with the bank over this as it should not have happened. In the meantime the two checks that are in payday loan will be deposited to my account. Since it is closed I want to know how much trouble I am going to be in. I do not have the money to pay them in full.

I have bad credit..Payday loans messed up my bank account. I need money by Monday 5/14/07 help?

I need aloan to pay off my childrens tuition, pay my summer tuition, and reregister my girls for the fall. I have a great job, but had a family crisis( oldest daughter got Lukemia) and I had to pay for treatments til Medicare was approved. I had a few payday loans, payng on time, until one of them went in a day early and tried to get their entire balance. That was not the arrangement, and they messed up my account, which caused a trickle down effect on every other account that was ACHed from that account. Not to mention the bank bounce check fees. I am working on getting those items corrected but now I need $4000. Any idea where I can look…fast. Without this last payment, my daughters will not be able to take finals and they will have to repeat the entire grade. I can verify all I have said. Please no scam artist saying they can give me a loan at 3% knowing they are going to charge me for living in the US and you will never see the money. ( They are on report now)
Did you read the part about the bad credit. I need lenders almost like loan sharks that will lend to anyone, like me with bad, terrible credit. I am considered high risk. I need a lender who will give me a chance despite my credit score.
Let me express something. I have no family, part of my debt comes from the house that was forclosed on when I had my stroke, and I loss everything in it, and the payday loan thing. With that said, it is not that I run up debt, I live in a cheap 1 bedroom so my girls could go to that school, and yes I will take a semester off if I have to. The point is I still have to pay their tuition for this month and register them, or they will loose their spot. They are twins and they were born with problems so I have to keep them in this school or they will fail ( i’ve tried public it was like pre school they are 14.) Also as far as identity stealing, I work for the government agency that lost the hard drive with all the employee information. I asked for ideas not criticism if you read the post you will realize that I don’t live large or beyond my means, I just have to live and keep my kids alive ( cancer kid… hello) My sneakers are 4yrs. old please.
You see what I mean about the scam artist??? Jeff Norberts one of them.

What can I do to get $560 by Monday without borrowing or loaning it? I have a job, just no work. Please help!?

I received a letter from the prosecuting attorney, a 10 day notice that criminal charges will be filed against me unless I pay this debt by the 17th of December.This couldn’t have come at a worse time. I am in construction work and the past few weeks have been slow and my savings have been used on necessities. I have bad credit and no checking account so payday loans are not the answer. My family and relatives are also struggling financially so they cannot help either. All that I can do is pray and put this out there and maybe someone can help me figure it out. Thank you.

Where can I get a payday loan without …?

Having my paycheck DD? And also being on the job for under 6 months. I have a checking account.

Can I default on Internet payday loan without wage garnishments & prosecution?

I live in NM & I am on the verge of total financial collapse with payday loans. I am on the verge of being homeless. I read on this forum an previous answer from Badonkadonk & the answer was to close my bank account & to take control of my whole check. I think I cannot be prosecuted in NM. What will happen if I do close my checking account, thus not allowing ACH payments & opening up another account. What if I choose to default completely? Will it be reported to the credit bureaus? Will I be forced to pay no matter what? I need some good answers please. I am desperate.