desperate need of payday loan advice

Which loan companies are you dealing with? Most of internet companies are famous for their illegal business and charging excessive fees. You don't to worry much if you are dealing with one of them.

Here are the pdl laws for tennesee (just select your state): Tennessee State Information the website address is: http://www.paydayloaninfo.org/ that is where you would type in the states and you will be given the informaiton that I have given you. On each of these states there are links to file complaints with. Check out the website to file your complaints.

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html
You first need to figure out which PDL co's you are dealing with and check them on the database of each state to see if they are legally operating. If not, then I would only pay back what the prinicipal plus the legal interest that you borrowed from them on YOUR OWN TERMS.

You need to first close your checking account so they can't get anymore of your money, but please read this thread before you close out your old account: http://www.debtconsolidationcare.com/paydayloan/close-account.html. You will need to open up a new account at a different bank, stop all automatic deposits and automatic withdrawls if you have any automatic payments that are set up. Knowing how fast the government works (which isn't fast at all) you can try to get them to stop the automatic deposit in your old account and put it in a new account that you open up in time for next month, good luck doing that.

I hope that I have given you enough information to get you kind of started. Others will be along to give you their advice. Follow their advice because we have all been where you are at now.

ladybug

Did you take these loans out while living in Virginia?
Or were you living in Virginia when you took the loans? Can you explain the 2 state situation a bit more? It will help to determine which state laws they must follow.