What happens if I don't pay the payday loans

We have 4 payday loans...
checkngo 770.45 with fees (off and on for 4 years)
advance america 1204.23 with fees (off and on for 4 or 5 years)
Cash express 602.56 with fees (about a month)
Ace (online) 423.09 with fees (off and on for 4 months)
we're in Texas and are meeting with an attorney next week to check into bankruptcy because of this debt. We're in a circle we can't get out of. We pay $298 in fees one week and then $240 the next week. Around $1100/ month in fees alone. We're falling behind with everything and this has to stop. As of now we're current, checkn go and cash express are supposed to come out Friday, but I've closed our bank account. We have to pay our other bills too. Is bankruptcy the right choice? I don't know. How long until these places will set up a payment plan with you? I've heard 60 days. For those of you who have done this are the payments reasonable enough that you can pay your other bills too?

i owe U.S fast cash its a internet lender 300
i owe mymoneynow 300
and Pack managment 200 what should i8 do i dont have the money and my job is through a staffing agency and my work has cut down alot please any info will help i live in fl

opps its not mymoneynow its mycashnow thanks and sorry about the typing errors

well jmf.if you provide the following.since you are in FL.

how much borrowed from each pdl
how much debited by each pdl total,include fees and rollovers.

i'm pretty sure these are not legal,so you owe the principle borrowed.nothing more.if any fees were taken out those go toward the loan.

well i borrowed 300 from us fast cash and now owe 487
i borrowed 300 from mycashnow and i owe like 485
pack managment i borrowed 200 and i owe 285 i really need help thanks for any info

did these places debit anything?if so please list it.if anything was debited take that off the loan balance.let me give you an example.

you borrowed 300.00 from USFASTCASH.they debited two 90.00 payments.you owe 120.00 that is it.please look and see if these places debited anything.you only owe the amount borrowed.that is it nothing else.

yeah from us fast cash mycashnow and pack management my bank account is 941 dollars in the red mycashnow autodebited my account 4 times in a row today pack managment debited my account 3 times in a row today and us fast cash has not done anything what should i do i am inway over my head i called my bank and they put a block on my account but only until February 15 they said i had to get my account out of the red before they could close it and open me a new one ugghhhh im so stressed Ive been drinking alot more i just need some help thanks for any further info sorry about my grammar i am pretty drunk at the moment

yeah us fast cash recieved 90 dollars from me so i only owe them 120 dollars right???

you owe 210.now get yourself together and look into how much these places have taken total.anything and i mean anything debited goes toward the loan.i would also file AG coplaints against each of these places.if you owe you should be able to pay in your terms not there's.also FTC complaints.

I contacted the internet zip19 to make payment arrangements for a loan of 580.00 I live in Mo they said I signed a wage attachment and they would send it to my employer if I didn't pay it in full on 1/25/09 and if so how long before they can do that?

Its a voluntary wage assignment which can be revoked in writing at any time. Check the sample letters to the right side of the page for an example. Make sure you inform your payroll department as well.

Ok guys and gals...here is the real story...

1) Places like Ace, Advance America, Check into Cash, etc.. are not taking ANYONE to small claims court or garnishing wages and here's why: The MOST they will lend a person is $500 (and the two week interest is $85-$95) so you're looking at WORST case scenario owing them $595. Those "storefront" places as they're referred to DO NOT TACK ON INTEREST EACH MONTH! So whatever you owe them after your default is FINAL. They are NOT going to spend $5,000 on a lawyer or spend $1,500 in small claims court costs to try to "recover" $500+ dollars from you. They'll bug the crap out of you for a few months and then after about 4-5 months they'll write it off. Yeah, I guess it will ruin your credit; but chances are if you're going to scum bags like these then your credit sucks anyway. LOLOL! These people at Ace and Advance America should be ashamed of themselves for praying on people that desperately need money! And charging ridiculous interest on top of it! As far as the internet; they'll just go away quickly and not bother you- but they will report you to a bureau that will prevent (blacklist) you from ever getting a loan from anyone on the internet. So if you're going to screw them...you better do it all at the same time. Also, fraud is EXTREMELY DIFFICULT to prove! It's like two cars hitting each other in a parking lot and there are no witnesses; it's impossible to prove you INTENDED to screw the creditors. Lastly...BEWARE OF THE PAYDAY STORES THAT GIVE YOU A SCHEDULE OF PAYMENTS! THOSE ARE THE BIGGEST CROOKS OUT THERE!!!! THAT'S WHEN A $600 LOAN CAN TURN INTO $2,400. THOSE **** WILL TAKE YOU TO COURT AND GARNISH YOUR WAGES. (KING OF CASH IS ONE OF THEM) THEY DON'T CARE ABOUT YOU LOSING YOUR JOB OR NOT BEING ABLE TO EAT- THEY JUST WANT YOUR MONEY!! Hope this helps anyone who is concerned about creditors (and no; you can't go to jail for not paying someone)

****Adult term removed - Jason

What if i just don't pay them? I borroewd like $5,000 from 12 different lenders *3 on line and 9 that i went to their local store. I borrowed money when I had a job and now I do not have a job so I can't pay. how can they garnish my wages when i'm not working? if i find a job in the next few months will they find out who i work for next and take my wages? please help answer my questons.

Sammy Winder - Is your bank acount closed?

If not the PDLs will still try and debit your account.

Yes, my bank account is closed and they cannot get any money from me. They keep telling me that they're doing to charge me $25 each time they try to deposit it (up to 3 times); but if i'm not going to pay them anyway then who care about the other $75

Sammy - What state are you in? what is the name of the PDL?