payday loans

i hope that someone has an answer or some advice for me

I am going to post your lender laws but keep in mind that some lenders are acting as CSO's (Credit Service Organizations). This means they do not need to be licensed, and are generally 100% legal in what they charge. This means the payday loan laws wouldn't apply to them. Please list the following information so we can help you.
-Names of each pdl company.
-Whether they are store front or Internet.
-How much you borrowed.
-How much you paid so far.

I'm sorry to tell you this, but there is only one sure way to stop the withdrawals, and that is to close your account. If that isn't an option, then tell the bank to put a hard debit block on your account. Before you close your account, read this information at the link below. http://www.debtconsolidationcare.com/paydayloan/close-account.html

Please do not let any of these pdl's know you are going to close your account, until AFTER you have done it!

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I am moving this to the payday loan section so more people will see it. :)

I have been reading about the debt settlement company options on the Texas AG's website - you can read for yourself - you can go to one of these agencies- the first thing you have to do is close your checking account - then they work to settle your debts for a fee, but generally you wind up saving or paying a consolidated amount each month and it winds up being less than what you owe. I am in the same situation as you but owe more money. My credit cards are also affected, so I'm going to talk to a bankruptcy attorney at some point this week.

At any rate, here is what the Texas AG's office has to say about debt settlement companies:

Debt Settlement/Negotiation Companies

Debt settlement is a new form of relief that promises quick results to get you out of debt. In a debt settlement program, you stop paying your creditors altogether, and save the monthly payments you were making in a savings account. Once you have saved sufficient funds, the company will contact your creditor, and negotiate a lump sum payoff of your debt, often for a significantly reduced amount.

Use caution in selecting a debt settlement company - because you will stop paying your debts your credit will decline and you may be faced with extreme collection efforts, including having lawsuits filed against you. debt settlement companies oftend do not have lawyers available to assist you in those situations. You will also likely have to pay high fees to participate in the program - find out what your total costs are and who is receiving your money. Make sure you find out who is responsible for saving your money in the program - some require you to send monthly payments to the company or to a third party, while aothers require you to simply open your own bank account. And even if you save significant amounts in the programm you may owe income taxes on the amount of "forgiven" debt. [color=DarkBlue][/color]

checkngo-$380 pymnt77.00 , ez money-$420pymnt87.00 , advance america$350pymnt.71.00, ace$410 pymnt.83.00
cash america$289pymnt.59.00 , cash store$250pymnt.52.00 check into cash$225pymnt,45.00 ,
first cash$275pymnt.63.00 , cash stop$150 pymnt.30.00 these are all store fronts i have lost count on how much i have paid . probably thousands not probably i know thousands

i have opened a new checking acct but can they get into that?

i have asked for a prepayment plans but they say they dont have any such plans for me.

does anyone have info for to get loans paid off

I have 6 PDLs and have been paying them for over a year - paid thousands in fees and fell behind on my bills. I too am in the same situation as you. I recently went in to 3 of the PDLs (all storefronts) and asked for extended payment plan (EPP). since they are members of CFSA they will allow you to pay off the loan in 4 installments over the next 4 paydays. I figure once those are paid off in 2 months I will tackle managing pymt of the other 3 PDLs (these will likely be in collections by then). I figure at least I will only have 3 at that point and hopefully they will work out some payment plan for me.

Hope this helps you....I don't think you have a choice - trying to keep up and reborrowing will not get you anywhere unless you can keep reducing the amount you borrow each time which may work too.