i have payday loans and

Before you look into taking out another loan to pay these off, can you post a bit more information? What state are you in, what companies have you borrowed from, how much, and how much have you paid back so far in fees? If you post this info we can better direct you . . . .

I wouldn't get a loan to pay off these loans. There are ways to do this withoug getting another loan. Will you give us a little more information?

What state are you in?
Who are the loans with?
How much did you borrow?
How much have you paid back?

With this info, we will be able to point you in the right direction.

Goudah ~ great minds think alike! LOL

:D

I live in Ohio and have 8 payday loans. It started with one and has gone to 8 because of needing to find more loans to pay off the previous ones. Today I find my checking account overdrawn because of one of the 8 submitting 2 ACH debits. I need help desparately because with these two debits I am now unable to pay rent, car, or furniture payments. Where can I go for help to pay off these loans. I have tried numerous places for loans and all it has done is place more negative credit on my report when I am turned down. Any and all responses will be greatly appreciated!

i have about 9 online loans and i live in texas
1. instantloanstoday.com for $200.00 only the $60.00 interest once
2. instantloansnow.com for $300.00 only the $90.00 interest twice
3.cashtransfercenters.com also northway loans just recieved have not paid yet they take all at once
4.paydayservices.com for $250 last payment in june
5.big limited for $225.00 i paid 4 payments
6. cashnet500.com for 400.00 i have one payment left of $65.00
7. zipcash.com for 500.00 not yet started to pay back
8. geneva roth which i believed to be help with credit fixing only paid one $90.00 interest payment
9. gfs phone number 877-280-3359 which i have yet to even recieve less known pay on
and 3 more of which are not online and need payment they are true financial services,lp via ace check cash for total of 830.45 of which is aout to be due in full and have only paid refinance fees; integrity funding via ezmoney payday loans fortotal 962.85 of which i have paid only refinance fee and in two moe payments the plus $50 dollars rule starts; midwest r&s corpation via cashamerica pawn fornow 406.28 of which is due on the 17th

At least I now know I am not alone in this situation. Anxious to know where I can turn.

what do you think of me just closing my account and stop paying them
it is not that i do not want to do the right thing but i just can not afford them
i almost lost the car and got put out my appartment over not having enough money

can they really go to my job and take the money from my job before i get a check

To prevent that, you can send a letter that revokes any wage assignment you may have previously made, and give a copy to your employer's payroll department. Garnishments are not permitted in the state of TX; creditors are pretty limited in obtaining payment on a judgement.

If you're going to close your account, I'd open another account first. Then close the old account, and explain the situation to the bank. Explain that the only debits coming will be unauthorized, and they must not force open your closed account. You may want to send another letter that restricts them from searching banks for other accounts using your social security number and withdrawing funds, too.

There is at least one consolidation company that is willing to negotiate with PDLs. If you need it, just ask, I'm sure other members would be glad to PM you the contact info (I don't have it).

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Morningstar has given you some great advice. I think that you may be able to take care of these loans without paying an outside consolidator but that is depending on how hard you wish to fight. It may take a little work on your part and putting up with some phone calls for a couple weeks but it can be done. Definitely make getting a new bank account your first priority. That is the first step in taking back your life from these places.

when i open a new account should it be with the same bank

I would recommend opening an account at a different bank if possible. I have heard of places contacting the bank and doing a search on your social security number and taking the money out of your new account.