I was going on the internet today contemplating getting a payday loan for people with poor credit and decided before doing so I would come to RIP OFF REPORT's website to check out of few of these companies that are advertised on the internet. I am so happy to say that I came here first because had I not, my already poor credit would have been worse and I most likely would have gotten suckered into all of there lies and games! I feel badly for people that do not research companies before they run head first into something they can not get out of...(which was my initial reaction when I say I would be approved for a loan...)I am depressed because I have alot of bills and all I wanted was to be able to get some extra money to get my grandkids and my own kids some gifts for Christmas, but after reading posts here, forget that....I will still be depressed because I can not afford anything for them but I will at least not have greedy creditors breathing down my back and I will not do jail time when they tax me to death on a $600 loan that would have turned out to be well into the thousands when all said and done! There need to be laws protecting the public from scam artists such as these companies are! I sure hope anyone that was unfortunate to get into this mess will find someone to help them out of it...I will keep you all in my prayers...maybe a miracle will happen to all of us and we will all receive the money we need for Christmas, bills, housing or whatever else we need at the moment in our lives....

I'm not sure this will help but its just a suggestion. I discussed my payday loan issues with someone from Destination Debt. He told me that I would not have to close my account, instead put a hard debit block on it so that nothing can be taken out of your account unless you physically go to the bank and take it out yourself. It's deposit-only. Then they send the cease and desist letters to the payday loan companies so they can not call you employer and references. I decided to tackle the loans on my own by going on EPP plans and so far its working, but if you feel that hopeless about the situation, maybe you should consider getting some help from a payday loan assistance company. If you search this website lots of people have posted their opinions and interactions with these companies... hope this helps!! Keep your head up...this too shall pass

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