I never thought it could happen to me

Welcome to the forums, RYMDESYGN!
Your story is very unfortunate and I'm sorry that you fell into the same trap we all did. Its amazing how a green piece of worthless paper can either make one's life really great or really horrible...

We're certainly here to help and hopefully we can get you on the right track! The first step for you should be to consolidate your loans, which you can do through a company on this site.

Best of luck!

Welcome to the forums RYMDESYGN (you can change your forum name by editing your profile),

Hope the community helps you rebuild your credit.

Vikas

Thank you all for your optimism and support. I hope that I will be able to get out of this debt really soon. I know it will take time!!!!!!!!!!!!!!

RYMDESYGN, don't lose heart as patience always delivers fruitful results.

I really feel your pain.I have not defaulted on any of my payday loans yet but my kids and I are going without for the time being.Its rough and some days I just want to cry,but I know I must get through this.It will be a very depressing christmas this year,but by this time next year I plan to have no paydays loans and vow to never have one again.Good luck to you,I hope this board helps you find an anwser,If it wasnt for this board,I would have sent money to one of those scam loan sites and any hope I had would have been lost.

Twokidtwocat, we all are with you.

RYMDESYGN, always remember that these types of financial problems are like separating clouds. They just can't be stagnant. These problems will have to move away and our life will again be cherished by the beautiful breeze and enchanting melodies.

Take care and stay well

Regards
Roxette

twokid I almost fell for one of those scam loans as well. I thought it would help me so much and I almost sent my last paycheck to them. Luckily I started noticing little things that made me feel uneasy. I am glad that I joined this board. It is comforting to know that there is a light at the end of the tunnel.

i also feel ur pain rhonda i in debt am with 5 payday loan places ive been writing checks just to get by with my bills like my water and my lights and who to say when things will be cut off i have no money as well and my paycheck this week just got garnished because of my bank of america account was in the negatives so really i feel your pain and i am going through the same thing u are going through and just hoping things will get better someday because sometimes you think before you get things that you can handle all of the things the bills first you are on track and then all of sudden things just fall off track and everything comes tumbling down.

I know exactly what you mean. It is very frustrating wondering when or how something is going to get paid. That is why I joined here. I want to get everything on track and I want to be able to help those from making the same mistakes that I have made.

Rhonda, you are not only helping the community with your valuable ideas but also you are getting a practical knowledge about various types of situations that occur during times of crisis. So, this way if we continue to visit these types of forums regularly, we become confident and know what our next moves should be as we remember that "someone I know has already gone through this situation."

Keep up the good work, Rhonda. Highly appreciated by all the members of this site. You are offering your help to the members in this site which is at #1 since the beginning of this year And also your name will be globally famous for offering serious help to the people in need.

Regards
Roxette

Roxette, ever since joining this site, I have had more confidence in the decisions I make and I enjoy offering advice of what I have learned through the forums and through experience. Joining this site saved me a 1000 mistake. I hope I can save others!!!

i found myself writing checks one after the other to steal from peter to pay paul now i only use check cards thinking i can't bounce that somehow or another they find a way to still charge me nsf even on my prepaid charge card my husband found a way to be in the negative

Rhonda I know how u fel living paycheck to paycheck. For 2 yrs. i was supporting my huisband through his off the books low paying jobs. now he's finally got a fulltime job and my hrs have been cut. it's very hard when u have kids u have to choose between feeding and clothing them or paying u'r bills. it's really hard but u just have to believe things will get better soon. and hopefully this forum can help u.

Me too I live paycheck to paycheck and it never seems like I save but now I am saving my money and budgeting for new and upcoming bills I am trying though and it seems like if I hide money and forget about it seems to come handy too.Because some days I try to budget and then I remember the money that I saved it really does help!

God I can't wait until I can start saving! I can't remember the last time I had money saved in the bank. It is always in the checking account...sitting there staring at me and then POOF its gone. :lol:

I would check the laws in your state regarding payday loans. Its very hard to get a wage garn. They have to go through the court process in your state which means serving court papers and setting the date for you and them to appear before a judge.

Odds are and I can almost guarantee this that those payday loans are not legal in your state. So guess what? They cannot appear in court to sue you on the basis of a loan that exceeds the allowable interest rate in your state.

Educate yourself on your legal rights. Payday loan places can be very abusive in their collection procedures as intimidation is their only option. They will lie to you.

Another reason for researching this is in many states some payday loan co's have actually been sued by the state attourney and have actually had to payback their clients. Best case scenerio is you may even be owed money from a suit that you are not even aware of.

Most states have been cracking down on these payday loan co's. They are a big reason for the rise in bankruptcy which means the big boys ( legit creditors ) are not getting their money. Everyone is getting sick of these payday loan crooks.

Glynnie11, people like you are heavily required in such a platform like this forum. So many of us are trapped in payday loans and are never able to come out of it. Many of us here are giving sound advice to the needy people and you have come out to be an added pearl in this forum.

Welcome aboard!! :D

John - thanks for the welcome. Yes this forum has definetly been helping me through things. I don't know how much help I have been but if I have helped anyone its very good to know.

Many people struggling through these awful and many times illegal loans thinking they are alone. Thinking that no one else could possibly have been as careless as they have been. They are not alone.

Its nice to see total strangers helping each other out. I find myself angered at the abuse and stress some have and are endouring. Its just not right.