Payday Loans took Over my life, can anyone help?

bea, I'll just tell you what I did. I filed again. If they gave me some kind of "funky" reason they wouldn't take my complaint, I filed again and worded it a little differently yet still making my point. As long as you filed with your state AG, you're good. However, I like to file with the BBB because they will contact the company quicker. But, if they keep blowing you off, fine - since you filed with the state AG. However, I'm a "hound" and keep filing!

yea, i filed again, too actually.. i'm not the type to let stuff go..

Let us know how this one works out. Hopefully they'll "take" it.....

Guest, take the plunge. Close your bank account and see if you can make arrangements.

Good Morning or Afternoon, I know how you feel because I am there right now. I live in NC where payday loans are illegal too. I have not heard from the Attorney General office but in my opinion no news is good news. You can get from under this "trap". Just follow the advice of all of the people in the panel and you will make it. Cannr and some of the others have a letter posted somewhere on site where you can e-mail, fax and mail to the payday companies that you owe that you will pay the amount that you borrowed only. Good Luck and God Bless.

Also tell them that there will not be any payment by debit, money gram or western union. Only money order.

Thanks again everyone - for the most part things have been quiet - i guess no news is good news, but i sure hate waiting.. i am so mad at these stupid loans, they ruined everything - i have three collections agencies after me for credit cards i couldn't pay because of these horrible loans and it's so hard. it's a huge snowball - awful.

Bea, Hang in there before you know it, thise will be taken care of too.

thanks.. the only real relief about these loans are that they are not legal in my state - that gives me comfort over the credit cards, who scare me to death! However, I couldn't even start to tackle the credit cards without this board giving me the strenght to close my checking account - thanks so much!

Just hang in there. That is all I have been able to do. I have some PDL's who are wanting payments and some who will work with me and others who say they will send me to court. I am not sure where to start first. The credit card companies will either charge off the account or possible sue you, but if they do before it goes to court you can work out payments with the attorney most times. By then you should be in better shape?
I have not yet made the positive strides you all have done. I did pay off one totally. but then I backslid on others as I was in OD.
I am going to start working another job two days a week for extra money and start trying to pull myself back together.

thanks, egypt - i'm trying real hard but it's still hard.. money is still so tight. maybe because i know these loans in prohibited in my state but the credit cards scare me more than these monsters.. i still don't like them though and was offended that bbb didn't consider it a valid complaint

Ok, the saga continues. Yesterday I had a missed call from (866) 489-0979. At first I thought it was due to a creditor as I am dealing with three right now. But after researching the number, I am pretty sure it's a collector for Geneva Roth (The company name is Smith Haynes & Watson) I don't want to even speak with these people, i am going to file reports tonight and send DV, C & D letters right after work. Any advice on what to do? These loans are not even legal in my state!

another question - the BBB has closed my geneva roth complaint as satisfied! huh? what can I do about this awful company???

The number belongs to Smith Haynes and Watson. I believe it's collecting for Geneva Roth. I did searches on the company but cannot find an address! I need an address please if anyone has it, so I can send out DV/C & D letters, as well as filing reports - somone please help..
EDIT: I found the address:
Smith Haynes & Watson, LLC
6950 W 56th St.
Mission, KS 66208
Their website is smithhaynes.com

Can someone please offer any kind of advice on how to deal with them? I am filing reports and sending those letters asap. But can I file any reports unless I have spoken to them and know 100% what they want? I really don't wanna call them as I always blow it. Please, please, please someone help me ASAP.
Thanks.

Bea2ls, it's my understanding that you would send them a debt validation letter and not worry about calling them. Also from reading through posts out here: If they make contact with you they also have to send you something in writing within a few days. So if they don't then I think you can file complaints...if I am wrong I am sure someone will be by to let us know.

Good Luck sweetie, it's all going to be ok..

Thanks so much - I guess with everything going lately, I got a little report happy But as I was starting to file with BBB, I realized that I can't complain about these people - yet
Either this evening or tommorow morning, a debt validation and C & D letter will go out. Than I guess I will wait (I hate that part!) Does that sound ok?