I don't know where to start. I have 6 pdls right now. I live in utah. I have been reading alot here but still have some questions. I lost my job a few months back and can no longer pay the intrest on my loans. I know about the payment plan here in utah ( 4 payments) but I can't even afford that right now. is there any thing I can do? All 6 are store front. Are there any companies that can help me? I called the # at the top, but they told me they can not help with pdls in utah. can someone please help me? I'm to the point now I can't sleep.

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Please give us the names of the storefronts. Since they are all legal you do owe them all but if we have the names we can help guide you further.

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Thank you for your reply. Here is what my husband and I have.
I know they are all legal, I have full intentions on paying them their money I just need a payment I can afford right now. Right now we are paying about 1500 a month. with my recent job loss it is really hard to pay it and we are starting to fall behind on all our other bills because of it. any hellp would be appreciated.
check city-$1000 (mine)
advanced america- $1000
the cash store- $1125
usa cash-$800
check city-$800 (his)
easy money- $700

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I am in the same boat and can feel your pain and fear. I don't know what to do either.

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Many store fronts allow an EPP, Extended payment plan. Advance America will for sure as they are a CFSA member.

You need to request the EPP one days before the loan is due.

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jenniem228

You need to call each Corp Office to discuss an arrangement. You have listed approximately $5500 that you owe in these PDL's and that does not include other bills,ie credit cards, car payment, rent/mortgage, ect. If you cannot get some sort of relief from each Corp Office, I would begin the process of investigating bankruptcy. It is not the best scenario, but you are pretty deep and without a drastic change in "outflow" with your cash, it will be tough to stay above water.

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I've contacted The Cash Store to set up a EPP and they said they can't help me. Is there any thing you can advise me to help me?

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Report them to the CFSA, due to the fact they are members they must abide by the industries best practices.
Office Address

Community Financial Services Association of America
515 King Street
Suite 300
Alexandria, VA 22314
Phone: 703-684-1029
Fax: 703-684-1219
cfsa@multistate.com

Or, contact their corporate office to let them know you were refused the EPP, also inform them you will file a complaint with the CFSA if they don't abide by the industries best practices.

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They will help only prior to defaulting. Have you already defaulted

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