Please Help!!!Payday loans in Texas are drowning me.

First, I did check all of your payday lenders to see if they were legal.
Advance America and Ace Cash Express are licensed payday lenders.
Check into Cash and The Cash Store appear to be licensed CSOs.

PDL Assistance should not be able to access your account, even with the information you gave them. Once you withdrew their power to act on your behalf they cannot legally use any of your information in any way. If you find out that they have used your information, immediately find an attorney and sue them for the violation.

All of your lenders are members of the CFSA:
http://www.cfsa.net/MemberList.aspx
Ace Cash Express isn't listed but I'm pretty sure they're members. Anyway, that means you are eligible for an extended payment plan, but they won't tell you about it, you have to ask for it. Once you sign up for an EPP the interest will stop and you will make four payments on each payday to pay them off, but you must request the EPP BEFORE you default! Read about it below:
http://www.cfsa.net/public_education_campaign/guidelines/guidelines_extended_payment_plans.html

Can you be served papers for defaulting on a payday loan in Texas?

Shazzers is so right! he post really good information, that is how I found out that these companies are willing to give you a payment plan. I have a loan with all of the mentioned companies and I just posted about the email I received form Check into cash that they're willing to work out a plan with me, I am currently in the process of doing so. Good luck and be patient, you're not alone, this site has helped me alot! read thru all the threads and replies, there's good info! thank God you have 4, I have 9!!!!

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I thought in the state of Texas they can't garnish wages or collect any unpaid debt? This is over a year old, and I was called at work from a man stating he was issued to serve me papers, but he hasn't yet.

All of the debt consolidation companies want you to close your account. Do you have to close your account to get help? How do I get help on my own. What do I need to do to contact the companies and start a payment plan?

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