HeLp... I've fallen and I can't get up!

Hi. I'm in Arkansas and have several payday loans and am DROWNING!! I can pay them, but will never have enough to pay them off, only pay the interest.
Sign My Loan
One Click Cash
Discount Advances
United Cash
24/7 Green Street

Any advice? Are there really payday debt consolidation places that can help?? I'd like to pay these off without a negative mark on my credit.

THANK YOU

first off,welcome.second,none of these lenders are legal anywhere much less in AR so we need the following.

1)amount borrowed from each
2)amount debited by each thus far

you see being as these are not legal you only owe the principle.any so called "fees" goes towards the loan.example:

you borrow 300.00 from discount advances.they debit 3 times for 90.00 in fees each time.you only legaly owe 30.00.so please provide the info requested and we can help you here.btw illegal pdl's really can't report on your credit.if they do a simple dispute removes it.

Sign My Loan-paid $200, loan $300
One Click Cash-paid $800, loan $400
One Click Cash (hubby)-paid $360, loan $300
Discount Advances-paid $309.88, loan $670
United Cash-paid $400, loan $300
United Cash (hubby)-paid $360, loan $300
24/7 Green Street- They don't offer rollovers, I just need to pay pay them.

How much did you borrow from greenstreet? Have you continued to pay off that loan and then reloan over and over? If so, you need to figure out how much you've overpaid on all your previous loans. You've overpaid all of the others except discount advance and sign my loan. You still owe them $360.12 and $100 respectively. You need to first close your bank account then send illegal lender letters to all. Request refunds for those that you've overpaid and set up a payment arrangement where appropriate.

You can find step by step instructions and example letters here. I wouldn't bother wither certified mail. An email will do. Be sure to include language revoking ACH authorization and any wage assignments you may have signed. You'll need to give a copy of this to your bank and your employer to prevent future attempts at withdrawals.

Thank you for the info!!

Yes, on 247 green street I have done that!!

Will they try to withdraw from my paycheck? OUCH!!

How long until they stop bothering you??

If you've signed a wage assignment, they may. Wage assignments are voluntary, however and can be revoked at any time. This is why you need to include that language in your letters and give a copy to your employer (payroll or HR dept). As far as bothering you goes, you never know. Some keep coming back, even after you think they're gone. Others will refund your money right away and you never hear from them again.

Ok, emails sent! After work I will contact my payroll office and go to my bank. Is there anything I am missing??
Thanks so much for all the help! I feel a huge weight has been lifted.

Oh my goodness... Just got an email back from signmyloan and they said I don't owe! I went to the website and there is no info for my account!! I hope that's a good thing!! I replied to the email with, "When can I expect my refund?"

I do hope you will file complaints with your state attorney general and the FTC.

Oh yes, I will! Thanks!

And hang on to that email. If they try to come back at you later, you'll have something in writing stating you've paid in full. Sometimes they assign to a CA even after telling you it's PIF. Save that email.

I don't think you are owed a refund by signmyloan as you said previously that you took a loan for $300, but only paid $200 back in interest payments. Normally you are only (morally) obligated to pay back what you borrowed from illegal lenders, but since they said you don't owe them anything, I think it would be best if you just worked on getting refunds/PIFs from the other lenders. Am I missing something blatantly obvious here?

while the OP bought it up nobody else did.you are right the OP should not push it,and move on to the other pdl's.nice catch.

Yes, you're right. I had forgotten to mention this was the second loan from signmyloan.

How do I pursue the refunds? Emails are going unanswered. Should I call or mail letters?? THANK YOU