Internet's first get-out-of-debt community - 144,000 members

I am in debt with four different payday loan places. I am sooo tired of giving them bascially my whole check every two weeks. I have other bills that I have to pay and b/c I am in debt with these payday loan places, I can bearly pay my bills. I NEED HELP. Any advice?

Posted: Fri Oct 12, 2007 8:28 am Subject:

Ok Smy, we can help you. Please list for us who you have loans with, how much you have borrowed, how much have you already paid back to each lender(add fees and principle to get one total for each), are these internet or store front, and the state in which you live. When we get this we can begin to get you out of this mess

Posted: Fri Oct 12, 2007 8:33 am Subject:

Welcome to the Community Very Happy

Alot of us have been where you have! Like was mentioned, if you supply some more info- we can put you in the right direction.

Your state may prohibit these types of loans, they may not be licensed, you may have paid back more than you owe, etc.-there are many ways to approach this type of situation.

Hang in there-we are here to hep you!..Karen

I am moving this to the Pay Day Loan Forum

Posted: Fri Oct 12, 2007 9:46 am Subject: Payday loans

Thank you guys for responding to my question. I don't have all the information that you guys are requesting off hand right now. However, I will give you guys what info I do have on me right now. I will try to get on here later to give further info. None of them are internet payday loans. I got all of them from actual stores here in Bellevue, NE.

This is just one big mess. I can't believe that I've made such a stupid mistake. I am so stressed out. Sometimes I feel like what's the point in living. PLEASE HELP ME!! Sad

I have to pay back each of these loans by 10/19/07. This is an ongoing cycle. Every two weeks, I pay back and renew b/c I can't afford to just pay back. If I don't renew, I won't have cash to pay bills & get groceries.

Check N Go $425.00 $75.00 fee
Advance America $425.00 $75.00 fee
Paycheck Advance $425.00 $75.00 fee
Check into Cash $425.00 $75.00 fee

So basically, I am $2,000.00 in debt with these places.

Posted: Fri Oct 12, 2007 10:28 am Subject:

Since these are all storefront loans, you will need to handle them very carefully.

All your loan companies but Paycheck Advance are members of the CFSA. This means that their policy is this:

SMYRNA WAGNER · Posted: Fri Oct 12, 2007 10:37 am Subject: Payday loans

Okay. Thank you for this. So, just to recap, go into each of these stores and ask them about EPP. EPP will allow me to set up a more workable payment plan? Also, call or go into Paycheck Advance to see if they will set me up on a payment plan as well. Correct?

I have to be honest. I am scared to do this, but I will give it a try. I hope that they will work with me. Thank you so much for the information.

What do you think Paycheck Advances problem is? I wonder why they are not a member. Thanks again.

If I have more questions, can I come back to the forum?

Posted: Fri Oct 12, 2007 10:40 am Subject:

Smy, its ok to be scared. We all went thru this , or things very similar. Good luck, please register with us. Its free , and we would love to have you as a member.Also please keep us up dated as to your progress

Posted: Fri Oct 12, 2007 10:42 am Subject:

Yes, that is what you should do. If any of the 3 CFSA members refuse, there is a complaint process you can use to make them cooperate.

Don't be scared. This is the first step you must take to clear your life of these loans.

Of course you can come back and ask any question you have! And as Kashzan said, register here and become a member. It's free, and then you will have access to some other features.

Posted: Fri Oct 12, 2007 10:54 am Subject: Payday loans

Thank you guys so very much. You guys are sooooooooooo knowledgeable. Well, I will start tomorrow. I will go to these places tomorrow and Monday. I pray to God that they will cooperate. I can't take this burden anymore.

OH,and I thought that I was registered. Smile

LOL I have a password and everything. Smile

I will definately let you guys know how things go. Any advice on what I should do if Paycheck advance won't allow me to set up a payment plan with them? Should I mention to them that I know that they are not a member of CFSA? Thanks.

Posted: Fri Oct 12, 2007 10:56 am Subject:

Now you are registered.Welcome

Posted: Fri Oct 12, 2007 11:01 am Subject: Payday loans

Yes, now I am registered. LOL Smile

I am sorry that I keep asking questions over and over again, but you mentioned the if any of the CFSA member refuse, I could file a complaint???

So, if they act like they don't want to work with me, I just need to mention that I will make a complaint thru the CFSA?

Oh and, if I what should I do if Paycheck Advance won't work out a payment arrangement with me? Would me mentioning the fact that they are not a member of CFSA help me get them to cooperate?

Posted: Fri Oct 12, 2007 11:54 am Subject:

I wouldn't mention that they aren't a member of the CFSA. Since they aren't a member they probably don't care about it. It's not required for them to join.

If they won't allow you to make payment arrangements, they will probably send through your check. Once it bounces at least that will mean that your loan is in default and they can't keep adding the refi fees onto it. If they have a coprorate office, I would try to contact them and ask about payment arrangements. Also, when you go into the store to talk to them, try to speak with a manager if possible.

Posted: Fri Oct 12, 2007 12:03 pm Subject: Payday loans

Okay. Thanks so much for all your help. I really really appreciate it. I will be sure to let you guys know how everything goes. Thanks again!

Posted: Fri Oct 12, 2007 12:06 pm Subject:

Anytime! And be sure to come back and let us know how it went. If they don't want to cooperate maybe we can come up with another plan of attack for you. Good luck! Very Happy

Posted: Fri Oct 12, 2007 12:08 pm Subject: Payday loans

Okay!! Great! Smile

I sure hope that they cooperate, though. I am going to try to take care of all of this tomorrow. I have a lot going on tomorrow, though. So, it may be Monday by the time I tackle. I will let you know guys know the verdict on Monday evening. Smile

Posted: Fri Oct 12, 2007 12:51 pm Subject:

Sounds like a plan! Good luck! Very Happy

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