new to the payday loan thing :(

Have you thought about asking them for the EPP (Extended payment plan)? Ask them if they offer an EPP, I'm pretty sure that check n go is a member of the CFSA which means they would offer it but only if you ask, and you must request it before you default. You can always ask Lending Tree if they offer an EPP plan.

I did some investigating and actually called to ask if they were a part of the cfsa, and they stated that they were. Ive never defaulted on any of my loans, but this next paycheck i have no possible way of giving them the intrest.
I looked into PDL debt consolidation and im very hesitant on doing something like that, so im on the fence about going that route. I called my bank today (i bank through chase) and asked them that if i closed my account would these still be processed if they pushed them through, and the lady i spoke with told me yes and there was absolutley nothing they could do about it. I asked her about a hardhold on my account and she said that was only used in cases of fraud. So for the most part i got nowhere with that. I have already opened up a new bank account and plan on closing my other one on monday, then calling my loan centers and asking for an epp (they arent due until that next friday). If i actually enroll in the EPP will this stop these checks from debiting into my account? That is my biggest worry is that they will still push them through even after i set up the epp and force the account back open.

sorry, i keep popping up under guest, i forgot my password and it still hasnt been sent to me yet ><

I try and read as MUCH as possibly on here that everyone posts and another question of mine is should i be sending letters like everyone else is doing? If i set up an EPP im not sure if they still need to be sent, or if once that is set up they just stop everything and wait on me to make my payments as arranged? Ive looked through a lot of the posts regaurding these letters but i dont quite remember which ones im needing to send if i need to send any at all. I sit on here for hours sometimes just jotting down notes and get myself lost in what stuff i need to do first.

Unfortunately, it sounds to me like your finances will not allow you to do an EPP. The $187 would jump to $259, but there would be an end in sight. This may be a time to buckle down and ask for help from a relative. Since they are both legal lenders, they do have recourse. You can also try calling the Corp Office and ask for some kind of payment plan through them.

I may have to do that. My family isnt the most supportive group of people but its definately something i can try. I will probably still go in and ask what my options are as far as trying to set up some kind of payment agreement with them, i would much rather pay the 200$ MONTHLY than dishing out the 110$ just for intrest every single paycheck, it would actually save me money to do it in bigger chunks that way, and if its spread out over the duration of a month i think its something i could afford. Im planning on picking up a second part time job just to make sure im able to continue paying them. If they do arrange to set up a payment plan with me will this stop them from debiting my account? Thats my biggest concern. I plan on closing it on monday, but i dont want to have to worry about it being forced back open.

When you set up the EPP, they cannot cash your check or ACH your account. If you take the EPP, do not miss a payment and you will be fine. Not to mention that you 2 loans will be paid off in 4 paydays.

you guys really are amazing on here, i appreciate everyones input. I dont think they have any managers working on the weekends so im probably going to go in monday and speak with someone. Im pretty sure money tree is a member of the cfsa, but i have to double check on it. That was my biggest concern was them still drafting my account after i was set up on an EPP, id have to have my account negative by a ridiculous amount on TOP of having these payday loans.