PDL heck, what do I do first?

First you need to calm down ( I know easier said than done) then you need to list the companies that you have loans with and how much you borrowed and how much you paid back, what state you are in, and if the loans are store front or internet.

If you have any storefront loans you need to deal with them first because they are licensed in your state and they will do what they can to get their money.

But as soon as you list your loans and the state you are in, we can help you on what you should try next.

First of all..Start by taking a deep breath and relaxing. You are ok!!! Trust me!

Ok..How many loans do you have, are they internet or storefront, and what state are you in? We'll start there. let us know, and we will help you through this, I promise!

I am trying to be calm....I have breathed a bit of a sigh finding this sight.I have 9 and I am in Florida. No storefront all internet..and thanks, thanks for helping me to feel somewhat better...I appreciate it..

The next things we need to know are this:
What state you are in?
What companies did you borrow from?
How much did you borrow from each company?
And how much have you paid back in so called fees to each company?
The next thing to do would be to close your checking account and open a new one so that you can regain financial control over your life!

Florida fortunately is a non garnishment state for those who can claim head of household. You must send letters to these PDLs revoking any wage assignments and ACH withdrawal priveledges. These are both voluntary by law. They will probably ignore you. Ask your bank to block all ACK withdrawals on your account. If they won't then close your account anfd open a new one. It is better to deal with these companies on your terms then not have enough to by food or pay rent. Below are the Laws for the State of Florida (just select your state).

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Oh thank you, thank you for the information....now these letters do we have a formatted letter we can use? I am going to the bank on my lunch break and will see about the ACH holding or close the account....I can't thank you enough for the info and your time....I am grateful...and trying to breath a little easier

I am in Florida and am going through the same thing only I am a few steps ahead. Please list the info requested by Leah so we can help you better.

This is so embarassing...here goes..
National Opp - 375 to pay off - 112.50 so far
MTE Financial - 390 to pay off - 180 so far
Eastside - 390 to pay off - 180 so far
Paycheck Today - 390 to pay off - 180 so far
CashTransfer Center - 508 to pay off - no renew
Big LTD - 375 to pay off - 155 so far
VC Funding - 390 - 270 so far
CashNetUSA - 1887 to pay off - 731.66 so far

Are these pay off amounts what they say you owe? What were the amounts of the original loans?
You have a couple of bad people listed. Big LTD is the worst of the worst. Cash Transfer is a close second and MTE is also bad. The only one I see that I know operate legally is CashNetUsa. Just remember that you can't be arrrested and none will come to your job. You will be harrassed by phone. You must get a wage assignment revocation to CTC. They willsend one to your boss. Go your HR or Boss and explain that they have no legal obligation to honor that. Show them the revocation letter. BigLTD will call you over and over and threaten you with all kinds of crap. Just hang up. If they call back hang up again or press a key down on your phone and hold it. You might pretend you are someone else and tell them that you ran out the door screaming "I quit" and no one has seen you since. Eventually they will just go away. They are operating illegally and they know it

Where do I get the wage assignment revocation?

You just write them a certified letter and send it certified return receipt stating that you hereby revoke any and all wage assignments that you have agreed upon and also all ACH withdrawal Priveledges that you agreed upon. If yoy can afford it send it overnight or priority as these people move very quickly.

These are the pay off amounts of what I owe I have been paying the renewal fees cause that's all I could do, but this paycheck I can't...I have to pay my rent with late fees (the place I live has been so understanding.. for now) and the next check my car payment, utlities etc...I am trying not to panic...but again I am so scared....like everyone else I know...

I am really behind in my pdls's I want to pay them off but they are coming off with these ridiculous amounts. I am willing to come to settlement, because I know I have overpaid double what I asked for. Can T&C help me. I live in the state of maryland, what can I do?