How to consolidate payday loans and get out of debt

I work at a car title loan business and have to say if you own a car and need an emergency loan, go with a car title loan (maxcashtitleloans.com). To say the least, they are better interest rates than payday loans. But if people have good credit they should go to a bank. Don't be stupid about your money.

I am looking for a company to consolidate my payday loans

What state are you in and what are the names of the companies you have payday loans with?

How can I go about getting a consolidation loan for my payday loans that are not from the internet, but from store front payday loans?

I'm in Texas, and the loans came from The Cash Store, Advance America Cash Advance, American Cash Express, Cash Zone, First Cash Advance, and Quick Payday Loan.

I'm not stupid about my money, family members needed money and promised to pay these loans off and now I'm stuck paying them and I just can't pay all of them and need some help. It doesn't help being called stupid either, I'm already beating myself up, I don't need anyone else helping me do that too.

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The person the replied that I was being stupid with my money.

I don't see any reply like that. It may have been a troll post that was removed by the mods.

Thanks for the clarification.

Ok first things first, all your PDLs are storefronts??

Also do you think you will be able to afford entended payment plans on all your lenders? An EPP is your total loan balance plus finance broken down into 4 equal payments. They are to be paid over your next four paydates.

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You are correct, a TROLL.

Ignore that person.

Follow what anyaroberts said.

Not on all of them at one time. I can do maybe two, and then take on another two until they are all paid off.

edited TROLL...LOL :wink:

That sounds reasonable enough. It is better not to default on them, due to the fact they are Legal. Plus you want to avoid the collections harrassment.

Te envoke the EPP you need to go in a day before your loan is due and request it. I would call them ahead of time to ensure they are aware of your situation.

As for the other two, I would try to paydown on the loans maybe by $35-$50 bucks if possible.

I'm sorry I misread your response, after I calculated the total amount of all the loans plus interest, I still cannot make those payment in 4 monthly payments. Maybe in one year or closest to 8 months. But 4 months is out of the question.

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Ok well if you cannot afford to pay EPP payments all at once, then you can call and see about other arrangments.

Communication is the key now! The sooner you make them aware of your financial situation, the better. You can also call their corporate offices and see what arrangements can be made if you do not get thru with the local office.

Remember you are not the only one that has gotten in this situation. I am sure they have dealt with various payment options.

I HAVE A LOT OF THINGS ON MY CREDIT REPORT BUT I HAVE TRIED TO DO A FREE CREDIT REPORT BUT IT IS ASKING FOR A CREDIT CARD AND I DONT HAVE CREDIT CARD IS THERE ANY OTHER SOLUTION I CAN USE WITHOUT USING A CREDIT CARD

WHAT AM I TO DO IF THEY ARE STILL BILLING ME IF I CANT AFFORD TO MAKE ANY TYPE OR FORM OF PAYMENT TO ANY COMPANY

IS THERE ANYBODY RESPONDING TO MY WUESTIONS AND CONCERNS

I REALLY NEED A ONE ON ONE HELP FROM SOMEBODY THAT CAN ANSWER ALL OF MY QUESTIONS AND CONCERNS

Shanika calm down. I am confused in what you need help with.
??
Are you asking about payday loan consolidation??

I am dealing with PDL Assistance to handle my pay day loans. Has anyone ever heard of them to see if they are legit.

You can get more information on this company by searching them here on the boards.

Shanika, are you referring to PDLs still debting your account?

We need more information.

What is the information for Town & Country Acceptance? Could someone please send it to me?

In the search box above type in Town and country and it will give you all the info you need

In the search box above type in Town and country and it will give you all the info you need

I need to consolidate my payday lones. The lones equal about $1,100.00 the interest is $270.00. I can't seem to get out of them.

What can I do if a payday loan company has summons me to court to garnishshee my wages? I am not trying to get out of paying them back ---I have had major car repairs and could not get them paid on time. I got no notice from them they were going to take me to court untill the papers were stuck on my front door and arrived by mail the same day! I am so embarressed and do not want to go to court . It will damage my position at work tremendously---what do I do?

Please stay calm.

What is the name of the PDL company and what state are you in?

you try take money out my check acc i do not have in there
when i need help u would not help me so not not talke money out of me the bank talk 102.31 out me for this i do not have money put back in for that so plaseese do not talk out

I have been talking with yourpaydayloanhelp., has anyone dealt with this company? They are asking for $200.00 upfront., have they been part of the BBB?

Can anyone offer any information on PDL help in Alabama?

i need help i am trying to pay off 1500.00 in payday loans is there any ligit company out there that will consolidate these loans?

I am in the same boat. Just close dmy bank account. Now what do I do.

I have been attempting to consolidate my loans, anyone hear your payday loan help? I spent about an hour with them on the phone today in attempt to consolidate my loans. All of the information is sketchy and has too many loopholes to protect themselves. I am very skeptical since I don't want to make yet another poor decision out of desperation. I am paying appox $800 per paycheck. I am drownding in debt and cannot seem to find a way outl I have no defaulted on anything yet but I am real close and do not know how much longer I can keep this up. I'm sure all of you know the cycle; take out another advance in order to pay the fees and then place yourself in an even worse predicament. I need some serious guidance and direction. How can I make sure the debt consolidation company is legitimate? Thanks for all of the insight and input. At least I know I am not alone.......

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Does anyone know of a consildation plan that doesn't make you close your existing bank account?

nope.no one will advise you keep your current account open,because as long as the pdl's can debit,or take money from you.what's the point?

my name is jennifer I have 2 pay day loans one with arrowhead investments was $300 and I have paid $80 every 2 wks for the last year totaling about $2000 other with money chest $400 paid $120 so far.. I am in Florida and I need to get out of these loans asap. I have paid the first one like 10 times what it was orginally. Who can I call I cant cancel my account because too many bills come out automatically.

I am in Florida
- money chest owe $520 paid $120
- arrowhead investment owed $410 paid $180 a month for the last 2 yrs total over $2000
- need to consolidate now
- who can i call or website i can to to.

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I have been receiving these phone calls that say I must call back or have my attorney call back (off the record) and that this is a very time sensitive matter, then at the end she gives her name and number and says that all she can say is Good Luck as this situation unfolds around me.

Secondly, I have about 7 Payday Loans and I am making monthly payments, but as everyone else says, I am paying out hundreds of dollars more than I need to. I also was told by your site that Pay Day Loans were not legal in North Carolina. Is this so, and if it is, can I just pay the principal amount.

THanks,
Jane

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I need help with my payday loans, I owe 1,500, and now they telling me that if I don't pay them they going to retained my pay check, is that true? they can do that? I don't know what to do right a this point I'm very depressed and stressed, I have 4 kids and I'm very nervious about this situation

first we need more info.

names of each pdl
amount borrowed from each
amount paid to or debited by each
internet or storefront
state you are in.

provide that info,and we can help you here.