How to consolidate payday loans and get out of debt

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Sub: #209 Store front payday loans
Replied on 03-27-2009, 04:13 PM

I'm not stupid about my money, family members needed money and promised to pay these loans off and now I'm stuck paying them and I just can't pay all of them and need some help. It doesn't help being called stupid either, I'm already beating myself up, I don't need anyone else helping me do that too.


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Sub: #210
Replied on 03-27-2009, 04:15 PM

Quote:
I'm not stupid about my money, family members needed money and promised to pay these loans off and now I'm stuck paying them and I just can't pay all of them and need some help. It doesn't help being called stupid either, I'm already beating myself up, I don't need anyone else helping me do that too.
Who are you reffering too?

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Sub: #211 Store front payday loans
Replied on 03-27-2009, 04:19 PM

The person the replied that I was being stupid with my money.



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Sub: #212
Replied on 03-27-2009, 04:25 PM

I don't see any reply like that. It may have been a troll post that was removed by the mods.

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Sub: #213
Replied on 03-27-2009, 04:26 PM

Thanks for the clarification.

Ok first things first, all your PDLs are storefronts??

Also do you think you will be able to afford entended payment plans on all your lenders? An EPP is your total loan balance plus finance broken down into 4 equal payments. They are to be paid over your next four paydates.

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Sub: #214
Replied on 03-27-2009, 04:28 PM

Quote:
I work at a car title loan business and have to say if you own a car and need an emergency loan, go with a car title loan (maxcashtitleloans.com). To say the least, they are better interest rates than payday loans. But if people have good credit they should go to a bank. Don't be stupid about your money.
Posted by GUEST LARRY

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Sub: #215
Replied on 03-27-2009, 04:30 PM

You are correct, a TROLL.

Ignore that person.

Follow what anyaroberts said.

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Sub: #216 Store front payday loans
Replied on 03-27-2009, 04:31 PM

Not on all of them at one time. I can do maybe two, and then take on another two until they are all paid off.


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Sub: #217
Replied on 03-27-2009, 04:32 PM

edited TROLL...LOL

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Sub: #218
Replied on 03-27-2009, 04:35 PM

That sounds reasonable enough. It is better not to default on them, due to the fact they are Legal. Plus you want to avoid the collections harrassment.

Te envoke the EPP you need to go in a day before your loan is due and request it. I would call them ahead of time to ensure they are aware of your situation.

As for the other two, I would try to paydown on the loans maybe by $35-$50 bucks if possible.

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Sub: #219 Store front payday loans
Replied on 03-27-2009, 04:38 PM

I'm sorry I misread your response, after I calculated the total amount of all the loans plus interest, I still cannot make those payment in 4 monthly payments. Maybe in one year or closest to 8 months. But 4 months is out of the question.


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Sub: #220
Replied on 03-27-2009, 04:38 PM

Quote:
I'm in Texas, and the loans came from The Cash Store, Advance America Cash Advance, American Cash Express, Cash Zone, First Cash Advance, and Quick Payday Loan.
Most of these are licensed as CSOs in texas, so the PDL laws do not apply to them.

Good news is most of them are members of the CFSA which allows exteneded payment plans.

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Sub: #221
Replied on 03-27-2009, 04:40 PM

Ok well if you cannot afford to pay EPP payments all at once, then you can call and see about other arrangments.

Communication is the key now! The sooner you make them aware of your financial situation, the better. You can also call their corporate offices and see what arrangements can be made if you do not get thru with the local office.

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Sub: #222
Replied on 03-27-2009, 04:42 PM

Remember you are not the only one that has gotten in this situation. I am sure they have dealt with various payment options.

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Sub: #223 GETTING OUT OF DEBT
Replied on 03-30-2009, 08:19 AM

I HAVE A LOT OF THINGS ON MY CREDIT REPORT BUT I HAVE TRIED TO DO A FREE CREDIT REPORT BUT IT IS ASKING FOR A CREDIT CARD AND I DONT HAVE CREDIT CARD IS THERE ANY OTHER SOLUTION I CAN USE WITHOUT USING A CREDIT CARD

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Sub: #224
Replied on 03-30-2009, 08:21 AM

WHAT AM I TO DO IF THEY ARE STILL BILLING ME IF I CANT AFFORD TO MAKE ANY TYPE OR FORM OF PAYMENT TO ANY COMPANY

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