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 Posted: Sat Jan 19, 2008 9:43 pm Subject: Just a word of advice
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The only experience I have with a payday loan ended up winding me in bankruptcy court. These are clearly not the way to go. If not by my advice just read most of the stories being posted. If your paycheck got ruined and it will take three days for you to get a new one than I could maybe see the need for a payday loan but you are far better off asking your family, friends, neighbors, and even complete strangers before possibly signing your life away!
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smckaybiz
Joined: 19 Jan 2008
Posts: 87
Debtcc Points: 2146
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Posted: Sat Jan 19, 2008 10:16 pm Subject:
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I second your advice. Payday loans are definitely not the way to go! These short-term loans lead to long term problems!
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annie340
Joined: 08 Dec 2007
Posts: 96
Debtcc Points: 2155
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Posted: Sun Jan 20, 2008 9:36 pm Subject:
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I have learned here and from experience. The only true important expences are a roof over my head, heat under that roof and food in my family's belly.Other than that it does not need to be bought or paid until the first three things are taken care of.
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stargzr
Joined: 26 Nov 2007
Posts: 270
Debtcc Points: 2690
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Posted: Sun Jan 20, 2008 9:55 pm Subject:
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Right on stargzr!
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Guest
Debtcc Points: 100
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Posted: Mon Jan 21, 2008 5:48 am Subject:
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Stargzr, you are a very valuable member of our community. Thank you for all of the advice you have been giving out. Its a pleasure to have you with us.
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kashzan
Debt Samaritan
Joined: 11 Jul 2007
Posts: 5461
Debtcc Points: 38903
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Shazzers
Moderator
Joined: 05 Dec 2007
Posts: 4628
Debtcc Points: 28942
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Posted: Mon Jan 21, 2008 11:14 am Subject:
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Kash, thank you so much! I hope that I can at least be supportive to other people going through this. When I went through this mess I was a wreck. Sick to my stomach and not much help to anyone. You guys saved me when I needed it and I hope I can encourage others to fight the fight against these pdls.
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stargzr
Joined: 26 Nov 2007
Posts: 270
Debtcc Points: 2690
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Posted: Mon Jan 21, 2008 3:55 pm Subject:
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I thought there was no end to this pdl nightmare
until I came across this web site.I hope I never use these evil loan sharks again.I hope someday I can give
some good advice to someone else but hopefully the pdls will be gone.But I'm sure there will be something
out there scam us again.To all that are coming here
for the first time you are not alone.Keep your head
up and stay strong!
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stevekathy4867
Joined: 24 Sep 2007
Posts: 58
Debtcc Points: 1810
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Posted: Mon Jan 21, 2008 4:26 pm Subject:
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SteveKathy, you are already helping out by sharing your experience! The more people we have speaking out about these thieves, the more people we will be able to convince to stay away from them!!
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Allan Sillitoe, The Loneliness Of A Long-Distance Runner
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finsfan13
Moderator
Joined: 17 Feb 2006
Posts: 7021
Debtcc Points: 59873
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Posted: Tue Jan 22, 2008 6:54 am Subject:
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Good advice everyone! I too have been on that spinning wheel and it is very hard to get off once you start it. Payday loans should be avoided at all costs. I know times can be hard...but just think of ways to get by without getting a PDL. I do not have alot of resources at hand...but I have learned to adjust to my situation and resort to getting a payday loan. Hopefully someday there will be laws enforced that will put an end to people..but I doubt it.
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laura19544
Joined: 13 Aug 2007
Posts: 458
Debtcc Points: 6507
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Posted: Tue Jan 22, 2008 6:55 am Subject:
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Sorry for the typo...NOT resort to getting a payday loan is what I meant to say.
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laura19544
Joined: 13 Aug 2007
Posts: 458
Debtcc Points: 6507
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Posted: Tue Jan 22, 2008 7:46 am Subject:
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I want to add a big "Amen" to comments here; I've learned my lesson the hard way, re payday loans. It would be great if all of the States who are debating putting the payday loan companies out of business could visit this site and see the stories of people who've been caught up in this mess. Yes, we voluntarily signed up for these loans, no one "made" us do it, but so much of their websites/contracts/advertising is SO misleading, it's easy to get caught.
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Pachacutec
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