So it is actually possible to consolidate payday loans??

I have been reading through the postings on this website and I wanted to be sure I am understanding this correctly...It is possible to consolidate payday loans with a debt consolidation company? Is this true even without being a homeowner? I hope so because I have gotten myself way on over my head in "payday loan debt"! The cycle has been going on for over a year and I just can't keep it up anymore. I have payed $thousands$ in interest and fees to these people and I can't break the cycle. I borrow from one to pay the next, over & over! I can no longer handle the financial or emotional stress that comes along with it. I currently have 7 in-store locations and 7 internet loans=14 total and it is killing me! I am not at all trying to get out of paying what I owe, just simply trying to pay them off & be done with it so I can move on with my life! Any advise is requested and welcomed, thank you!

consolidate payday loans??/ Please enlighten me. Where can I do this? Hopefully it's not the high % rate, the Payday loans asked for, in the beginning. Please let me know. Can I do the same 'consolidating with a company called Cash Call?? If u know..please tell!

There are a couple of companies that are being used by some members here. One is T&C and the other is Langhorne. You can "google search" on this site and read up on them. They do pdl loans. Yes, it's true. You can do it yourself, if you're "up for it". Or you can use a company to take care of it for you. Totally your decision. But you can check out T&C and Langhorne. I've read good things about both. I personally decided to fight on my own with the WONDERFUL help of this site.

Thank you for your input, I will read up on these companies!

Please do. You can read about them. Read about other members experience with them, etc. Then you can make a decision.

Okay, so I have taken your advice and have done some research and read a lot of reviews about this company. I plan to call them first thing in the morning as I think this is the route I will need to go. I do have one more question that I have not seen discussed. If you use T & C to help settle your debts with the PDL companies, does this reflect anywhere on your credit report? I am not planning to used them with other creditors, only the PDLs. Does anyone know about that? Thank you in advance for any information!

As far as we all understand the ipdls do not report to the credit agencies...so there is no worry of anything showing up that you used a consolidation company.

I, along with morningstarr, do not believe this will show up. Most of the internet pdl's are illegal anyway. I'd have to laugh if they "reported" anything!

First, as I always do, I must ask if the 7 internet loans are licensed in your state, and if all 7 storefronts are licensed to operate in your state. Find out if some of these are unlicensed, and wipe them from your slate.

I would venture to surmise that most if not all of the internet ones are unlicensed to operate in your state. You may want to investigate the 7 storefronts too, even though they are licensed 98% of the time.

Thank you for all of your quick responses! I will contact T & C to see if they can help me with a consolidation. I'm trying to rebuild my credit and I feel so much better knowing that working with T & C will not halt all of the progress I have made to restore my credit rating. I will keep you posted and thanks again for your advice and knowledge of this subject. I only wish I had found this website sooner-I had no idea that something like this even existed and especially had no idea so many other good people are sharing my experiences with PDLs. Thank you! Thankyou! Thank you!

You come back and keep us updated on your progress! If you need any help at all or run into any problems, we're here!

No problem, but remember to find out if any are unlicensed, so that you can eliminate them as part of your debt. Come back anytime, and consider registering as a member, we always have room for more.

Just wanted to let you know that I called T & C this morning and spoke to a very nice woman. She is sending me my packet which I should have in a few days so I can get started on the consolidation program. I know that I have a journey ahead of me but felt so much better after talking with her. I would have never found out about T & C or any other PDL consolidation company without your help. Thanks again!!! Also, I showed up as "guest" on my last 2 postings on this thread so I must have done something wrong. I actually did register...let's see if this one shows up as me-talisa.m

Hi there! I have been hard at work and working with T & C. I am starting to make some progress. I wanted to provide an update but also wanted to know how to go about changing my username. I would feel more comfortable not using my real name. Any help is appreciated.

Thanks!!

You can PM Mike or send an email to mike@debtconsolidationcare.com.