Too many payday loans

You could settle these debts on your own. You mentioned that you live in NJ , so I assume these must be all illegal Internet loans because NJ Prohibits payday loans. It should be easy for you to settle since you have all the leverage .

janis107 you have your state laws on your side, so you probably CAN settle these on your own. The first thing you will need to do is get control of your funds by securing your bank account. Please read this thread below for more information.

http://www.debtconsolidationcare.com/paydayloan/close-account.html

Can you list all the lenders, hw much you borrowed from each and how much you have paid to each of them so far, including rollovers?

i live in NJ and since loans are not legal here, it was pretty easy for me to settle (some you may have overpaid, please answer frog's questions, we can help)

I'm sorry that was completely uncalled for and out of line. You don't know each and every persons story here. People fall on hard times and take desperate measures IT HAPPENS! You shouldn't kick people when they are down. I guess we can't all be as perfect as you THINK you are. God help the person who comes to you for help. Stay off of these boards and go back to your perfect debt free existence.

And to answer your original post (sorry I got distracted by certain asinine people) you need to do what you can to take control. I am in the middle of putting down the shovel and climbing my way out of the hole I dug for myself. And yes i acknowledge I got into this mess out of my own free will and I'm sure you did to. I mean come on no one put a gun to our heads and forced us to get PDLs. But we did. There's no since dwelling on the past because we can't change it. Focus on what you can change and get control one baby step at a time. If you want to get out of debt yourself, good luck with a little hard work and patience you can do it. Me, I choose to go with a PDL consolidation company. I just felt more comfortable turning it over to a professional than trying to handle it myself and was willing to pay for it. No matter what, good luck and people here will always be here for support and advice.

Thank you all for your responses I have been unable to sign in under Janis107 for a couple days --requested password several times never got it so I just broke down & re-joined as ABJR2003--here is my info:

i have 14 payday loans

payday yes $450 -paid to date $448
ACC funding $500- paid to date $336
Payday Loan Yes $300-paid to date $460
Ameriloan $250 -$780 paid to date (i am now crying i am such an idiot can you imagine i have paid them back more than double the loan & i am not even done yet...)

Jetlending $300 paid to date $90
SDS $200 paid to date $60
Huskhawk $200 paid to date $60
Paycheck today $200 paid to date 60
Eastside $300 paid to date $180
GRC $400 paid to date $120
MyCashNow $400 paid to date $380
CashDirect $500 paid to date $168
CashFast $300 paid to date 0
Biggest Cash $400 paid to date $475...

I have closed my bank account and have also inquired at a PDL consolidation company (Langhorne)

I am afraid to do it myself because I dont know where to start...

You can go here and read up on dealing with illegal lenders.

Since you account is closed the first step is done.

I would search the forums and get all the addresses or emails for each lender. Then draft up a letter to each one. You can mail them USPS via certified mail, fax and email. Do NOT use your work fax.

You should also draft up a wage revocation letter and submit that to payroll/HR.

You can do this. You have the law on your side and since they all illegal they can not do anything to you.

It takes some effort and time but we are here to help and ask as many questions or advice that you want.

Please go to the my bottom signature link and read the article. It should be helpful.