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Posted: Wed Sep 27, 2006 11:56 am Subject: consolidating "payday" loans

I'm scared to death. I've gotten myself into a bad situation that I'm not sure how to handle. I've taken out 2900.00 in payday loans with not really anyway to pay back. Any suggestions?

Posted: Wed Sep 27, 2006 12:09 pm Subject:

Hi!

You've come to the right place! First of all, relax. Things are going to be ok, I promise.

You just registered, in a few days a counselor will be calling you. Talk to them about your situation, there are companies that consolidate payday loans.

Sometimes it works for you to do it yourself, also. Everyone's situation is completely different. Take some time to read through this site. You will find a lot of different options and opinions. So many of us have been successful in fighting payday loan companies.

We are here for you. So welcome to the site!

Posted: Wed Sep 27, 2006 12:15 pm Subject: Hello

Thank you for your speedy reply! In situations like this you feel so alone. It's nice to know that I'm not!!

Posted: Wed Sep 27, 2006 1:03 pm Subject:

I know what you mean. When I came here last winter, I literally almost cried..Because I thought for sure I was the only one who was in trouble with payday loans. It helped me so much to find other people who were in the same boat as me.

Posted: Wed Sep 27, 2006 1:10 pm Subject:

Inaj--Welcome to the PDL Club. Smile

A lot of us here have been or are in the same situation. You'll find a gold mine of information on this site, and you'll get out of this situation. Smile

Posted: Wed Sep 27, 2006 1:18 pm Subject: hello again

I just talked to Consumer counseling of america and they said they can't help with "payday" loans. I also called 1 800 338 2227 and they connected me to Consumer credit counseling of Nevada where I live and I might be panicking but I've left messages for a counselor there and she is not calling me back. Has anyone heard of a place called Clear-a-debt?

Posted: Wed Sep 27, 2006 1:21 pm Subject:

People here share their real experiences. There is nothing better than this. lnaj2, take some time out and browse through this forum. Many have come out of the payday loan mess and believe me, you will only feel better. Feel free to ask. A counselor will also call you for some professional advice.

Posted: Wed Sep 27, 2006 1:25 pm Subject:

Check your pm, lnaj.

Posted: Wed Sep 27, 2006 1:29 pm Subject: re: payday loan blues

I feel so lost, I filed a complaint with my AG office. This one payday loan place told me that PDL are not illegal in NYS and they will not do debt consolidation... Any ideas?

Posted: Wed Sep 27, 2006 1:49 pm Subject:

don't worry Sophia...They all say that. What company are you dealing with? I bet a dollar that they are illegal.

Posted: Thu Sep 28, 2006 9:20 am Subject: Thanks keystrokes

I was able to sleep last night and after making one phone call, I'm on my way to redemption!

Posted: Mon Oct 02, 2006 11:13 am Subject: emails

I was curious, I know that it is best to either contact these PDL place either by phone or hardcopy letter but are emails considered viable communication?
Thanks everybody!!

jn · Posted: Thu Oct 19, 2006 2:50 pm Subject:

Is their really help to payoff the PAYDAY Loans?? I am in so deep I cant sleep nights

Posted: Thu Oct 19, 2006 2:53 pm Subject:

Yes their really is help. You can consolidate them, there are companies that will allow you to consolidate pdls. Are they storefront, internet, or both? And what state are you in?

Posted: Thu Oct 19, 2006 2:55 pm Subject:

both internet and store front when i do it i do it right... i am in CALIF...

Posted: Thu Oct 19, 2006 4:17 pm Subject:

Would anyone know how to find out if the company is Licensed in my state A(CA)? I have a loan with MY CASH NOW.com. the other storefront PDL business cant be legal she tells me she has 2 sets of books and has to be careful.. but I donâ€™t know who to turn to have it checked out.. anyone have any ideas???