How to consolidate payday loans and get out of debt

Hi! I have read many negative things about this company and learned that they were in trouble. Since November I have been paying them but for the past two months they have not called me. Does anyone know if this means they can't harass their former customers anymore? Hey one can wish! lol :P

I had a payday loan with this company. I have not talked to them since last September when Louisiana experienced Hurricanes Rita and Katrina. I just found my paper work. Do you think that my account is in default? Does it usually take this long for them to contact you regarding your loan. I closed my account in September but they managed to take their fee out before. There has been no reply or phone call from them since that time. Any help would be appreciated. I am not running away from this debt, I am kinda scared because I have read many thing about Ellis and Crosby on here. Thanks for any imput. Great job everyone.

Probably your accounts are in default. You did not pay it in full, did you? Then this account has entered delinquent mode already. Now it is difficult to anticipate what they will do with this account? They might call you back, or they might send it to collection. If you have the financial strength to pay it off, contact them, explain your situation and work out some payment plan. Hope they will cooperate with you. Keep us posted.

I have too many payday loans and it seems I owe more and more each payday and none of my payments are going down. Is there a way out without speng $ 500.00 a payday that I don't have

wendy,

You can contact T&C like many others in the forum have. T&C is a consolidation company and is one of the few that works with payday lenders. I would advise you to give them a call. I had 13 payday loans out and ive been in consolidation with T&C for the last 2 weeks. The interest fees were way too much too handle. Thank god i found this forum and contacted T&C. Let me know if you have any questions.

How do I get in touch with t&C

I am paying out $600 a month in payday loan fees. I have doing this for over a year, because I cannot get caught up enough to pay them off. Reading through this forum has given me the courage to say enough is enough. Please help.

Register with this site so that members can PM you the information on payday loan consolidation companies.

How do I contact, I need to talk to them about pdl consolidation?

How do I contact T & C?

Please Check your PM. I have just send you the contact information.

Regards
Alex

Hi, I have the payday loan cycle and need to exit. I can't pay them down as they are currently approximately $6500 a month in charges - yes that's right. I'm not quite sure how this happened. I sent a letter asking for payment arrangements and would prefer a consolidation company to handle these arrangements. Two questions - can they garnish or any way contact my employer at this time (I have been current on the payments.) and Are there any consolidation companies which work with payday loans?

Thank you.

They might try to contact your employer once you default. However, wage garnishment is a legal process and they need to win a judgment to garnish your wage. But they might send a notice of voluntary wage assignment to your payroll department. Most of the payday lenders get a voluntary wage assignment contract signed by debtors.

Your employer can dishonor your request and you can cancel this agreement any time. Yes there are few consolidation companies that work with payday loans. Please check your PM, I have sent you the information.

I am also searching for answers on how to end the payday loan cycle. Each payday I am getting further and further in debt. I don't have anywhere to turn... I would like to know more about T & C and consolidation.

I'd like to get the info on consolidating my loans. My accounts have been closed, but they call all day long. I can't do this anymore. Can someone help?

I have asked several debt management companies about my payday loans but even though some are willing to take my case, they say that it may not work and the payday loan comapinies are very aggressive at collections and they will harrass me. My problem here is that my husband does not know about my loan and Idont want these companies calling my home. Can anyone really help?