need help

First, you will need to make arrangements to pay back the storefront pdls. They are licensed and can take you to civil court for judgement. The internet pdls, are a different story. How long have you been paying those roll over fees on each one? It may be that you will need to close your account and open a new one to gain back financial control. And it could be that if you have been paying on the internet pdls repeatedly with the roll over fees that you have paid back the principal and legal amount in interest your state allows. There is a way out and many here can walk you through the steps, you will find relief is not far away.

Hi steph

You need to call your car company and work out a payment arrangement with them. Since you are getting behind, they will have bad feeling about you and likely repossess your car from the parking lot. You need to assure them that you are not intentionally avoiding them and will have every intention to pay back the loan. Hopefully, it will work out.

Be careful of the storefront lenders because most of them are legit businesses. They are very quick in filing a case if you are in default. You need to budget your finance and allocate money towards each account. Try to cut short your expenses and look on how you can increase your earnings. Maybe, a second job will help. Talk to your bank or other financial institutions in your area if they give you a small loan.

First thing you need to check you state laws for payday loans. next who are the internet loan with and how much have you paid them already? I would not get another loan to pay them off. You should be able to get this under control yourself.
I would close your checking account and open a different one (at a different bank if possible) Then you are done with the internet ones for now. Then I would get your carpayment caught up first then contact your store front loans and tell them your situation and let them know what your plans are on a payment arrangement. Then file complaint to your states AG for the internet loans. And Take care of the internet loans last. They will call and threaten you but thats all they are, are threats.

Sorry if this info has been repeated it has taken me forever to write this the darn phone will not stop ringing.

If you have any questions please ask more. I have been dealing with 10 internet and 10 storefront. It takes time but they do go down.

Welcome to the forums. I cannot tell you anything that you have not been told in the above posts but do listen to them! I was in bad shape when I first came to this forum and it is getting better every day with the help of everyone on here.

Just another word from the wise :roll: here---if you are going to close your existing bank account and open another do it ASAP (meaning before next payday rolls around.

Take a deep breath and consider yourself lucky enough to have found this forum that has such knowledgeable members. Continue posting and asking questions here as you move through the process. Everyone here has had the same probems and can help you immensely. Once you get control of your finances back you will feel much better (and that will no doubt make being pregnant much easier).

ok, now that i figured out how to join this forum, i am the origionator of this message, so if the name is different, that's why...i couldn't figure out how to work it earlier. Anyway, I am just in the beginnings of dealing with the internet payday loans...i would say 2 perhaps 3 paydays ago is when i opened those. I have a total of 4 of those. cash supply, authorized payday, ambassador, and flash payday. The store front ones, I have had one since like dec. last year, and I always pay the $345, and readvance, so i'm not behind on any of them, but I know the internet ones only let you pay the $90 fee for like 4 paydays, then they start taking more...when they do that, that's when i'm in deeper, so I'm trying to catch that before I get there. As far as the car loan, my husband left me out of the blue june of last year...our divorce was final in feb, and i got stuck with the car and car payment. (basically because i didn't want to fight him, I coulda gotten tons of things because i was a stay at home mom by his request) so I'm not in danger of the car being repossessed, and I communicate with them if/when i am late on a payment and why. As far as a 2nd job, I already have one. I work mon-fri 8-5 regular job, and 4 hour shifts on the weekend for my 2nd job. Problem is, I can't pick up more hours..i'm almost 8 months pregnant, and one job is sitting all day, and the other is standing...takes a lot out of me. plus i have a 4 year old at home and my ex only wants him 2 days a month. I'm really trying here, and mainly trying to get things under control before it's far too late. we had filed bankruptcy this june will be 4 years ago, so getting another account is almost out of the question because we had put a bank in our bankruptcy then. It was all medical bills, and a chapter 7. I do make decent money, but not enough to have all of these come totally due the same week. I literally have $100 left of each paycheck after these fees are taken out. I was thinking one big loan because I know I could handle that, and times running short since i'm due mid june and will be on maternity leave. so now, with that updated info, any more ideas??

I haven't dealt with any of those companies. But I have dealt with some that you can call if you won't have the funds on the day it is due. So they changed my due date. But I also got paid every week. So that may or may not be an option.

Now with the loan you are talking about, the only place that may give you a loan would be a finance company that deals with high risk since you BK is still fairly new. So your interest rate can be as high as 35%. My BK was 8 years discharged and thats how I could get a loan, but they used EVERYTHING I owned for colateral. You can try a credit union sometimes they are more understanding than banks will be.

Here is Kansas information on payday loans, Quote:
Kansas State Information

Quote:

call me stupid, but what does all the info for the kansas guidelines mean? I mean like what can I do with that information?