getting down to the wire

lren, if you would feel better, call the storefronts and tell them your situation. Whatever would put your mind at ease so you're not going crazy, do it. You might be surprised at their reaction. They might agree to work with you. They might not. If they're not willing to work with you, it sounds as though you're already prepared for that answer! So, if it would just set your mind at ease, try calling them and seeing what they have to say. At least that way, you can say you tried, you made an attempt, and not drive yourself insane wondering. Make any sense? I just want you to not be anxious and wondering. If it helps you to call and see what they say, then by all means, call and see what they say. You never know. You might be surprised!

Cannr, would you call the internet places too or just let them do whatever they are going to do?

lren, depends on if they are licensed/legal. If they are not, I wouldn't call them. Just as long as I knew they couldn't debit my account any longer. However, if they are licensed/legal internets, then I would call them.

I just chatted with Cashnet USA (internet lender), they offer to move my due to until 11/30 as a one time courtsey.....at least they won't be taking my money on friday.

Good. Since they are a licensed/legal one, good. At least they're going to extend it for you. Buys you a little bit of time anyway. :wink:

IMHO...I would call the other 2 internet loans also and see if they will extend too.The payperiod before I actually defaulted I called all of them this way and out of 10 7 help the payment and gave me the extension. Gave me time to think and figure out what to do next. At least the amount of the NSF's would be lower too.

Guys I've been o the phone all morning....I have some kinda good news about the bank account, and all but 2 internet places agreed to move my payments, the others said my payment will have to come back NSF before they will make an arrangement. I'll keep you posted.

lren, please do keep us posted. Storefronts will usually like to send the check through for NSF before making arrangements. Crap. NSF fees; however, at least you'll be able to make payments. Please let us know what's going on.

sorry for leaving you hanging about the bank, I had to leave for work. However...I called my bank and explained my situation. The guy was very nice and told me I could open a new account and close my old one. He told me the only way the old one would be forced back open is if something tried to come in with in 1-3 days of me closing it and then I would just need to close it again. He said they don't close account for NSF fees, unless you stay in the negative for a while. So that was good news. I think I can plan it so once the first wave of NSFs comes in I can pay up the bank and close the account.

Today I'm hoping to leave work a little early and go to my 2 store fronts and check into the EPP, however if they need the first payment tomorrow I'm not going to be able to pull that off. I need it to start the follow pay.

Let the games begin:) Thanks Reny

ok here's the lastest. I stopped by the 2 store fronts today and the EPP would have to start tomorrow. Can't happen I don't have the money. So I guess I'll get another NSF and work with their collections dept.

lren, are the storefront loans due tomorrow? Is that why they want the EPP to begin tomorrow? I'm assuming that the loans are due tomorrow, so instead of paying in full and re-writing (or just paying in full) they would want the EPP payment amount. Am I correct in assuming the loans are due tomorrow?

yes they are are today:)

Ahhhh.... that's why. It's your "payment date", so they would want the EPP payment amount. What are you going to do?

well, I have no choice but to let them bounce and wait for the phone to ring. I'll have a little extra money in 2 weeks. So I can start making payments. If they will take them, if not I figure I'll just keep the money myself and when I get the total I owe I'll take it down there.

Today was a bit crazy, since we stopped our direct deposit, I had to cash my paycheck and get a money order to pay my rent, since I'm trying to clear out the checking account. My bank would not cash my check since my account didn't have enough to cover the payroll check, which was stupid, cause its the same payroll check they've been getting for the last 10 years every two weeks. So I ended up driving clear arossed town to the bank the payroll check was written on and they cashed it for me. Then I had to drive way out of my way to to find a quicky mart that sold money orders, (the banks money orders were $8)!! Anyway...finally I got my rent paid!! I hate this no checking account stuff, I need to get a new account opened and quickly!

Thanks & Happy Weekend!! Reny.

lrn, sorry about all the hassle! But your rent is paid! There you go! You need to put a roof over your head first! Just keep posting as to what's going on. We're here for you.