Internet's first get-out-of-debt community - 123,000 members

Posted: Mon Jan 08, 2007 2:56 pm Subject: payday loan help needed

I would like to consolidate my 3 payday loans...can someone tell me the name of the company that can do that. Thanks

Posted: Mon Jan 08, 2007 2:59 pm Subject:

Check your pm, I'm sending you one right now.

Posted: Tue Jan 23, 2007 3:25 pm Subject: payday loans

Does anyone know about langhorne debt solutions? i wrote the bbb and i am waiting on a response

Posted: Mon Jan 29, 2007 1:33 pm Subject: Payday loan consolidation

I to am wondering what companines help to consolidate payday loans. I have tried to consolidate them before with a debt consolidation company but they refused to work with the payday lenders. If anyone could help I would really appreciate it!

Posted: Mon Jan 29, 2007 1:41 pm Subject:

ga90442002,
Since you have registered with the site a counselor will be contacting you to discuss your situation. Unfortuantly there are some compains who don't work with payday loans.
Why don't you tell us a little bit more about your situation. What type of loans are you dealing with...store front or online lenders? Also what state are you in? You can check out this website (paydayloaninfo.org) to make sure they are following the rules of your state.

Posted: Thu Feb 01, 2007 3:35 pm Subject: Payday Loan Consolidation

Hi,

I am looking to consolidate a number of payday loans. Can someone please advise what companies can provide this service. Thank you.

Posted: Fri Feb 16, 2007 10:21 pm Subject:

I am at wit's end with my pay day loans. I have 6 out myself and my husband has 4. We are having trouble making our normal bills just in readvance fees. We originally got them out to pay for car repairs which were worthless because the car became unfixable so I had to buy a new one (two advances were taken out for the downpayment). Then, last year, my husband was out of work for almost three months, so we had to cover our expenses somehow. My job doesn't pay enough to cover everything. In total, the amount we have out is around $4000 in advances, not counting the fees. We would love to consolidate these or have a plan to pay them back without having close to $1100 a month just in readvance fees. I hear a lot on this board about "T&C". Could someone send me the info on how to get in touch with them?

Posted: Sat Feb 17, 2007 5:02 am Subject: loans

deborah_l_yates, you need to send them a revocation of wage assignment letter, if the wage assignment in your agreement was voluntary, which most are, you can voluntarily revoke it. I did this to a company, made them mad but they had to honor it. At least you don't have to worry about them touching your pay check. what state do you live in? and what companies do you have the loans with?

Posted: Sun Feb 18, 2007 10:35 pm Subject: Relief Soon

After reading several posts on here and being encouraged by a few people, I no longer want to cry every time I think about my pay day, and it only took me two days to relax. I wish my PDL people would do payment plans, but none of the store fronts here want to work with my husband or I regarding them, so I will be contacting a debt consolidation/settlement company tomorrow that deals with pay day loans. Regardless of what happenens with them, I will still be closing my bank account to avoid unnecessary fees and backhanded attempts from the PDL people to get my money. There is only one thing that gets automatically taken from our checking besides PDL stuff, so it will be a fairly easy process for me to do. I found the website for state laws about PDL's to be particularly helpful, especially since the two internet loans I have are not even licensed to do business in Virginia. I don't see wage garnishment forms in any of my paperwork, but I will be sending them a non-garnishment request regardless. This is what our loans look like now:

ACE Cash Express, Inc.
Husband = 390.00
Me = 450.00

Express Check Advance of Virginia, LLC d/b/a Express Check Advance
Husband = 500.00
Me = 500.00

ACE Enterprise of Virginia, LLC d/b/a 1st Choice Cash Advance
Husband = 350.00
Me = 400.00

Check First, Inc.
Husband = 400.00

Eastern Specialty Finance, Inc. d/b/a Check 'n Go
Me = 500.00

Authorized Payday
Internet = Me
200.00

United Cash Loans
Internet = Me
300.00

I am fairly confident that with as many times as we have had to readvance them, we have severely overpaid all of these people. Hopefully, the debt consolidation will help A LOT. If anyone has nay other suggestions, please feel free to post away Thanks everyone for all of your kind words Smile

Posted: Tue Feb 20, 2007 8:07 am Subject:

I signed up awhile ago but missed the calls from the counselors because I was at work. Where can I get the information regarding the T&C company that would consolidate my PDL. Currently I have 6 loans. Haven't defaulted yet but it's getting close.

Thanks
Clarissa

Posted: Tue Feb 20, 2007 8:19 am Subject:

Try calling the 1-800 number listed at the top of the site.

1-800-601-1579

Also what state do you live in? Check out this link www.paydayloaninfo.org and make sure they are following the laws of your state.

Posted: Tue Feb 20, 2007 5:50 pm Subject:

I am in Nevada and I have several internet payday loans. I am hardly able to pay the required fees and I really need to find someone to help me consolidate ASAP before I am unable to pay the fees at all.

Posted: Thu Feb 22, 2007 2:07 pm Subject:

I really need help. I have 6 payday loans and I am interested in consolidation. Any tips would be appreciated

Guest · Posted: Tue Feb 27, 2007 2:25 pm Subject:

I contacted the suggested company and they said they cannot consolidate payday loans. Does anyone have another suggestion?

Posted: Tue Feb 27, 2007 2:36 pm Subject:

If you keep paying they will keep taking.. you need to figure out what has been paid and what is legal in the state you are in.. then stop the ACH remember they cant get blood from a stone.. then pay the important stuff Rent elect food.. that stuff and when they call tell them what you can pay ( if you even still owe) get ready for the yelling and cussing and then write email or call.. and start sleeping ( i know I didnt for months until I it under control)Look at all these people on this site that took back control and told the slime balls to go away..
I did and it felt great remember that you wont go to jail.. ( even if they want you to think you can) Smile

also even if the worst CA took you to court and did get a judgement they dont have prison for debts.. Although sometimes the thought of 3 months in Club Fed and coming out being debt free is not so terrible.. But it cant happen they dont do that..
Get control

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