PDL TROUBLE - ACE, Cashland, Checksmart, Valued Services

All I can afford each pay is $90 to each of the four (4) companies listed. Of course as I can accrue some overtime I will pay more --- I jsut hope this holds them off from sending me to court.

I have been so stressed over these I think I am getting Alzheimers! I just want them gone and I will NEVER take out another payday loan ever. It is a cycle you just can't get out of.

I too live in Ohio. I had 7 internet loans and 2 storefront. I too was so stressed out and literally making myself sick. However, through the great advice of this forum, I am now done to 1 storefront loan (making affordable payments) and 3 internet loans (also making payments that I can afford). The payday nightmare will be over in 4 to 5 months for me (at least there is light at the end of the tunnel). I will never take another payday loan as long as I live. Just be patient and everything will work out for you. Even though I have 4 to 5 more months of affordable payments, a huge burden has been lifted for my shoulders and for once I can sleep at night.

First payments will be made tomorrow of $40 each to all four loans. then in another two weeks I will pay another $50 each on them. That is the best I can do. I just hope it works. I need some good sleep too --- and it will be nice to have the stomach ache gone! I too will never take out another payday loan.

I also am in Ohio and confused by the new legislation that was supposed to allow us to make payments like an installment loan. I currently have 4 store fronts:

Cash America
National Cash advance - will work out payments.
Cashland - will take 4 payments But be aware that is only once a year!!!
First Cash Advance (Valued Services) - I am scared of them because everytime I go in, they are on the phone with the court house put garnishments on people!

I plan to go down $50 on Valued Services as thier loans are in $50 increments. In December I am eligible for the payment plan at Cashland and I have worked out to take in $50 a pay to national cash advance.

I have been in the same boat as you!

JUST PLEASE RESIST THE TEMPTATION TO GET AN INTERNET LOAN TO TRY AND PAY OFF THE OTHERS!!!!