I need a consolidation loan to combine all my payday loans/

hello pam! you may sign up for the free consultation and i am sure you will have the assistance of some really knowledgeable people. you can also search on the above right hand box and you will come across many such firms from whom the other members of the forum have received service. are your payday loans internet loans or storefronts? how much do you have to pay back? if you give us a bit more information, then i we will be able to help you better. take care!

Many of us have done this on our own. Please list the state you live in
who your lenders are
how much you have borrowed from each
how much in total you have already paid to each
which are store front and which are internet.
we will be able to help you here

I am in the same boat. I am too ashamed to say how many I have. Both kinds. But the **** is about to hit the fan as I can not longer pay my other bills and I am comtemplating bankruptcy.
all I have paid is the weekly fees on both kinds and some I have been doing for years.
I want to know what to do first. I am trying the loan thing with no success...that is a consolidation loan.

I am in dire need as well, the interest on my loans leaves me with nothing left to pay my bills and will soon loose my car and maybe even homeless, I am in Oregon and all my loans are internet I am a financial fool.

please list for us who your lenders are
how much you have borrowed from each'
how much in total you have repaid to each
which are store front and which are internet
we will be able to help you.

Internet:
BIG...$200...paid $85
US Fast Cash...$300...paid 90$
Capitol...$300...paid $90
United Cash...300$...paid 90$
Cash Spot...$300...paid back $189.00
Little Loan shop...$300...paid 90$

Rapid cash (over the counter) $600 paid $950

247advances 200 paid 60

money and more $255 will pay 300 thursday (all due at once)

Payday services 500 paid 150

Geneva Roth 200 paid 90

Pamd2...sorry I do not mean to hijack your thread with my problems, I am truly interested if there is a company out there that will work with you to loan enough to pay off these people. I am just not very optimistic at this point.

Hi all and welcome. There are not companies that loan you the money to pay these pdls back. There are companies help but you have to pay them in addition to the pdls. Many of us here have worked hard to pay them ourselves and succeeded. If you all could give us the info about the pdls as asked above we can start to help you get control. If you want to investigate the companies that do debt consolidation there are two that I have seen here, Town and Country and Langhorne. If you type both names in the search box at top of this page you can read about other forum members experiences with them. Otherwise list the info and we will help you. Good luck to all of you and believe me when I say you are not dumb or another negative name. YOu are all good people that got sucked into this payday loan nightmare. You can get out and there is a light at the end of the tunnel. Be strong and hang in there but first of all stop calling yourselves names!!!

As are many other people in today's society, I am in deep trouble with multiple payday loans. I have borrowed some money from family members but it has never been enough to pay them off completely or the timing has been wrong, and I remain in this stinking mess. Does anyone out there know if there is a way to access 401(k) money if your employee does not offer a loan program and hardship withdrawals are so strict (only several reasons they will let you take money out)? I know taking money from retirement is stupid but we have enough in there that by taking out just a small amount would rid me of this payday problem. Is there any legal way to access this 401(k) money?

Ivy, I can almost guess the members here are going to tell you not to take out of your 401, but do as they are telling me to do...come clean with who the companies are, work out payment plans...see my I don't know where to start thread. Maybe someone might be more knowledgeable about 401 K's

Ivy, we can help you here. Please do not take your 401k money out to pay these loans. Please tell us
who your lenders are, how much borrowed from each, how much repaid to each, which are store fronts , and which are internet, and what stste you live in.

I have both store front and internet. Loans totaling about 5000.00 and I live in the state of Utah. The finance charges are burying me.

zona, I'm going to post your state pdl law for us all to see. However, if you could please list out who your pdls are (distinguish between storefront and internet), how much you borrowed (principal amount only), and how much you have paid back so far (total), we can help you here. We have all been in the same situation. If you let us know who you are dealing with, we can help. You may actually be dealing with some illegal companies. If you feel comfortable, please list them. You can do this all on your own with our help. I did it and many, many others have done it. When I first came here, I had many internets and storefronts also. We're here to help.

You will find the Payday loan laws for Utah here (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Great news! We found a way out of payday loan mess without using 401(k) money. Within a week all will be paid off. So happy this nightmare is over!

Congrats to you Ivy.That is great news.

Ivy, that's great! I hate to see people use their 401K for payday loans. Good for you! :D

i need a loan to pay my bills i need 6000.00 i will pay you back this will help so much please is there anyone out there that can help me

Sorry, but we are not a loan site. We are a forum dedicated to helping people in debt.If you tell us a bit more , perhaps we can help in another way.

I posted here awhile back and since then I have signed on with Langhorne and they seem to be doing a good job. My payments are only $100 a month for approximately nine months vs $600 a month for interest only on all of my payday loans, I closed my account and opened a new one that is safe from the clutchs of the lenders. I am pretty satisfied so far.

Thanks for the post, jag! It's good to post your experience, as many people do a search to see how these companies are and if people are satisfied! :D

My husband and I have all storefront payday loans with six different lenders. All totaled we owe approximately $5110.60. We live in Virginia. Here are the companies:

Money Mart - $500 each (myself & my husband)- $75 fee each
Check'n Go - $500 each (myself & my husband) - $75 fee each
Advance America - $500 each (myself & husband) -$75 fee ea
Approved Cash Advance -$500 each (myself & husband) - $75 fee each
Check Into Cash -$450 (myself) $200 (husband) - fee $67.50 for myself & $30 for my husband
ACE Cash Express - $340 (myself) $300 (husband) - fee $51 (myself) and $45 (husband).

HELP!!!!!

Hello Lisa,
Welcome to the forum. I see you have all storefronts and most are members of the CFSA. The CFSA will allow you to set up Extended Payment Plans with your loans in four equal payments. Please read this link below.

http://www.cfsa.net/public_education_campaign/guidelines/guidelines_extended_payment_plans.html

Ace Cash Express is not a CFSA member, but they do payment arrangements once a year. I did this myself back when I had a loan out with them. Best of Luck :P

I have payday loans that need to be taken care of. I signed up with PDL Assistance and paid the $200.00 fee so far. I have already closed my bank account. I wonder if I need to stay with PDL Asistance,or if I can do this myself. I do not know which ones are legal and which are not, and what I need to pay back for real. I live in Florida. These are the loans I have:

Paycheck Today 300 / 180pd
B.I.G. Ltd. 200 / 60 pd
CashAdvanceNetwork 300 / pd 180
Loan Shop 300 /135 pd
CashCentral (L&G Finance, Inc.) 300 / 76.03 pd
Amscot (walk-in) 500 / 0 pd (this one is every 2 weeks, pay in full with 51 dollar fee, then renew in 24 hours, so one can never get out of debt. I have renewed every two weeks for 6 months!)
ameriloan 300 / 270 pd

Can anyone tell me if these are legal in my state? Also, cna anyone tell me how much I need to pay back and how to go about dong this? I just figure I shouls not have to pay fees to someone else if I can do this myself with a little help from you experts!

Lisa

I to have pay day loans in the tune of $4000.00 to pay them back. I have been looking for a lender to help me. I wish they would understand by loaning this money I would not be any further in debt I would be ahead

Help, I am in the same mess and am wondering if there is a Consumrer Counseling Center that could help me.

What are the names of the loan companies and what state do you live in?

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I have several PDLs and would appreciate assistance in resolving them. I've listed them below.

Advance America 500
ACE cash express 500
check into cash 500
united cash loans 500
ameriloan 500
cash advance network 300
247advance 200
cashnetusa 500

have several payday loans and need to combine into one low monthly pmt

You haven't mentioned the names of the pdls and the state you live in. If pdls are illegal in your state or are not licensed to operate in your state, then you can simply pay off the principal balance and get rid of them. You won't be liable for paying any extra fees or charges to them. If you're unable to pay off the principal balance, you can go for a payday loan consolidation or payday loan settlement by taking help from a debt relief company.