Is there anyone who can help me get out of this pdl mess?

You will have to list the state that you are from so that the person that comes on can determine what the laws are in your state regarding payday loans.

Then you will also need to state who the companies are. Indicate weather they are a store front or an internet loan, how much you have borrowed, how much you have paid back. This will give the person who will come on and help you determine exactly what you need to do.

Hang in there, there are alot of people on this site who have been through this. As soon as you provide the information requested you will get the help you need. Goodluck with your situation and please keep the site updated on your progress. Hope to see you in the success stories catagory real soon.

Welcome to the forum cjlemmon2000, as jos82003 stated, provide us with more info and someone will be along to help you. Please try to stay calm, and don't worry about going to jail over pdl loans, they are just try to scare you.

I am in Ohio. I have all store loans at the following places

cash post 800/112.50
express cash advance 700/800
cashland 451.45
chehsmart 550/631.25
check n go 800/912.50

Moneymart 800/912.50
advance america 800/908.75
First american 700/800
I am so embarassed but I need help. Cash post is willing to let me make payments monthly as well as express. Chek smart are evil people though and are th eones threatning my job, and even tellingme what a loser i am. Anyhelp would be appreciated.

Cj, on the pdls that you have not worked out payments with, are they current? or have you already defaulted? If you are current, Advance America and Check n Go should work out payment plans with you. They are members of CFSA and as members if you are current they have to work out an EPP with you. You must go in a minimum of 1 day prior to the due date to do this. Here is the web site if you want to check it out. www(dot)CFSA(dot)net ...I do believe on the site checksmart is listed as well. The pdl members are listed on the site. If the store will not work with you go to the district manager and work you way up. Many times the individual clerks are not aware of payment options or are discouraged by their bosses to offer you one. Try to do this in person. I know it is difficult to argue with these people and can be embarassing but it is worth it. There are many people here who have been where you are and can offer additional advice and will not judge you. We are here for you.

All of the loans are in default. I actually ended in th ehospital becuse I had a nervour breakdown dealing with this mess. Going from one to pay off nother every payday was driving me literally crazy. When this happened I told my husband and we decided to le tthem go into default so we could set up payments to get out of this H***! Now he is contacting them to set up payment plans. But can they really take me to jail and charge me up to 10 times what the check was for? Also are they allowed to threaten my job and call me names? These people are truly rude, when I am asking to try to set up some sort of payment with them but they will not work with me.