All payday loans are aweful. I had fraud in my checking account and I was seriously negative because of the fees and the payday loans kept trying to take out the money. I called them to explain to them what happened and they said there is nothing they can do it will still try to come out. My bank account was almost $1000.00 negative. I had to open another account and work on paying this one that was negative off. The negative account finally closed and the payday loan people then said that I was in collections. They were calling me at work when I told them not to that I can not receive calls at work. They tried to say they were sending me to the DA in my area for fraud. Well I contacted lawyers in my town and they informed me that they can not because it is not fraud, they did not give me money to buy property. I would stay away from loans, learn how to budget your finances, learn to live on less, and learn to save for emergencies, and try to find ways to lower bills. I have gotten a magicjack phone, it is awesome, I pay $20 a year for a phone with long distance, I buy more store brand foods and I stick to my limit. There are more ways to adjust to living on less.