Must I close my account to consolidate payday loans

I too am so glad I came across this site. I have been racking my brain trying to figure out ways to pay off these stupid payday loans. I got in a bind as well and in order to pay that one off I took another and because they gave me that one I took another to pay that off and before I knew it I had 5. My account is so overdrawn from them trying to take out the initial fees or what not. I was advised by my bank to close this account and open a new one. I have people calling threatening that they'll start garnishing my checks or accounts. It gets so frustrating that I don't even want to answer my phone. I'm still trying to figure out how this whole debt consolidation works because Lord knows I can use all the help I can get. I made arrangements to pay them all off I was glad they agreed but in reality I can't afford to pay all of them off right now not all at the same time. I'm not currently working anymore I'm just receiving unemployment and that's barely paying the rent and the other bills to help maintain throughout the month let alone the kids. Please someone give me some helpful advice on more ways to help get myself out of this hole I've dug myself in. I can't even begin to try an save any money up because it's all going to these payday loans.

If you go to the payday loan help forum and post a thread there we can help.
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We need to know what state you live in and the names of the companies.

This forum has given me hope too!! It sounds like we all are embarassed and only trying to end a vicious cycle that seems impossible to get out of no matter how much you make!! Good to know I'm not alone and there is a way out!! I just closed my account today and reopened a new one and from reading this forum, it looks like I made the right decision!! Just not looking forward to the angry phone call from them....I live in Texas and am having a hard time finding a debt consolidation program for payday loans....anyone know of one?

we dont know what to do or where to turn we have 8 payday loans and we havent defaulted on any of them but we can not pay them this week and we are scared to death of what is going to happen please any advice will help.

I would like to insert one thing here that I think fka hit on. I tried closing out one account by just getting a new account number with my bank because the bank rep said that was all I had to do. I even asked if anyone could try to access my new account number and was told absolutely NOT. Buy that is not true. All old ach's will go through on the new account number as that is how the banks do business. You do have to make sure that your bank knows who cannot access your account. I eventually changed banks to stop the PDL withdrawals but this time around I am checking to make sure if I change my account number if I can make sure no one that is not authorized can access my account.

I have 7 payday loans. This is the first week I can't pay. Now reading this board has me truely afraid of all the phones calls I will get. I want to pay them its just not this week. I just dont know what to do.

I replied to your thread at the link below:
http://www.debtconsolidationcare.com...891#post717891

Omg!!!! Can someone walk me thru this....i have never defaulted on loan but in order to pay bills i keep taking other loans out now im stuck with 4 loans ..my entire pay check goes to pay the ineterrest to extend the loan.....i would have been able to pay it if i wasnt going thru a divorce rigt now...please tell me exactly what happens after i call t&c.....?? Wats the process? i have aclittle baby ...i cant have them garnish wages..can someone please helppppp provide all the info...

I am seeking advice to end my cycle of pdl debt! I have had to take out another just to pay one and another to pay that! I can't continue this way! I am not sure where to start, can someone help??

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