how can i deal with all these PD loans

hello,just came here to vent,i have been recieving live checks for 3 weeks now from my employer and the only place that will cash it is a PDL that i owe,,after waiting for this check to arrive today,(FINALLY),the PDL store has to call the bank the check is on to verify funds and much to my suprise,THERE IS NO FUNDS IN THE BANK FROM MY EMPLOYER,,i have given up,,thanks for listening,,,bye

What???? Your employer wrote you a check that you can not cash becuase the employer has no $$ in their account???? Unbelievable. I certainly hope you take this up with your employer. That is just wrong.

my employer tells me that they always show 0 balance in there account for reasons i cant understand but its funny that the last 2 checks wasnt a problem,anyway they are going to cancel this check and send me a comdata check tomorrow,,it is a nightmare without direct deposit

Ryder, can you open another account at a different bank? And get direct deposit.

i may be wrong but i was thinking since i was overdrawn ,,another bank would not let me open account

Ryder, I am not sure if that is true or not. I would check out the banking fourm and see what information is posted there. If you still are not sure pm MCA, she is the mod there and knows alot. I know there are banks that will open accounts for people with banking issues. So I am willing to bet there is a bank that will, just not sure which. Definately check with MCA though.

ok,thanks

Anytime.. I hate not being able to answer for sure, but I do know MCA has helped many members that could not open bank accounts becuase of Chexsystems or other reasons. She helped me with an issue with telecheck.

ryder and roxy - I have a friend who just opened a new bank account with no problem at all. And, he has another account that is overdrawn at the moment. I think it's like $100 in the negative. He went to another bank, filled out the paperwork, and they opened an account for him. I'm thinking (and I could be wrong here) that if the overdrawn bank doesn't report you, that you're "safe" opening another account?? I know that his other account that's overdrawn is still open. So, it's like they're just waiting for him to make a deposit to bring it back up to the positive again. So, he didn't have a problem. However, I'm no expert. MCA is. But I had to at least post this information for ryder.

thanks roxy and cannr,my direct deposit goes back in effect this week,i am planning on getting out of the negative and closing account,,i was wondering being i have block on account ,would that stop the direct deposit or just debits?

Do you have a hard debit block? If you have a hard debit block, then credit will go in, so your direct deposit will be okay. If you have a total freeze on your account, it'll prevent ANYTHING. So, do you have just a debit block on it?

i think maybe i should contact bank tomorrow because im not sure,she punched a few bottons on computer and shook my hand

Okay, ryder. Ask them if you have a hard debit block on your account. If so, this means that no money will go out, but money can come in. If they put a total freeze on your account, then nothing can come out or go in. So, see what they have to say. I'm thinking maybe they just put a debit block on it; however, you want to be sure. That way your check can still be accepted as a credit to your account.

Cannr, thanks for the info...I was thinking that it was possible to open an account, but I did not know for sure and did not want to give a yes unless I was sure. I know people in that situation as well and I know people here have posted that they were able to open a new account, but you know me...always error on the side of caution.

Hey, I got in the same boat in Tennessee as you did. As far as the signature loans, the only thing (as my understanding) that they can do is turn you over to collections and then report it negative on your credit. If you are like me and the rest of us, your credit is probably already poor or you wouldn't have gotten into this mess in the first place, lol....I just decided to take this head on. One threatened to take me to jail and even went as far as to send me petitions that they supposedly sent to the judge to have me arrested. Funny thing is this: I called the courthouse and the district attorney---they never filed the petition and even if they did they couldn't have done anything. The only thing they can do is take me to small claims court then put a judgement on my credit. It is horrible, but the D.A. said they will most likely push me to collections for a year or more before they even took me to small claims. I am doing everything to work out arrangements with them, but they won't budge. I am going to type up some certified letters to each of them with an enclosed money order for the amount I can afford each month, then they can take it or leave it. If they accept my payment, even if its $5, then the judge will look favorably on my behalf (usually). So I wouldn't stress so much. It will all work itself out. I promise..... :P

been almost a year since i posted here,should have kept in touch more often,this payday loan trap has taken its toll on me and family,i feel that i cant escape from it,i have been paying on three store front loans for well over a year now,interest only.
i recently aquired two internet loans,yes i know that was stupid
but what can i say,also have a judgement on me for a defaulted
student loan that i have agreed to pay 300.00 a month untill paid in full,protecting my cosigner.my wife is in bad health,she cant work and is trying for benefits but seems to be a dead end street,i am stressed out,payday comes around,nothing left,i almost borrowed 900.00 dollars just afew minutes ago,paying back 1359.00 over a six week period,what is wrong with me?
i need some advice
3-d financial-400.00 check -400.00 personal loan
cash express=300.00 check-100.00 personal loan
brewers check cashing-200.00 check
loan point usa-internet 500.00-paid one interest payment-150.00
star advance-internet-200.00-owe 129.00

i have no idea what ive paid in interest for these loans and i know this small compared to others but with my income it is alot
thanks for help