Payday Loans in Collections?

You need to talk to the same consolidation company, whose info I sent you sometime back. payday loan consolidation is pretty tough these days, so you might have to take the initiative first and arrange a payment plan with them.

Hopefully, after you come out of this payday loan trap, you might not consider it as any kind of help in the future.

T & C will also work with collection agencies. It might be best to contact them and get their advice on the situation.

please give me some advice how long i have to pay these off ,& what the consequences are if i don't

can they sue you,& how long before they do if so

If they are a licensed and legal to loan to you than chances are the collection compay is legit. A legit CA will send you a letter and you have 30 days to respond. In my case I had two that went to collections. I called the CA explained my situation and how much I could send them they were not happy but if they were to get any money from me they needed to work with me. I now send them as much as I can every month and they send me statements on my remaining balance. If you do not communicate with them they can and will sue you.

Now if they are illegal PDL's than chances are they are running and in house collections and never send you a letter they will just keep calling. They will also only take a credit card or check over the phone for payment. This is not a legit practice.

Again research your PDL chances are if you never recieved a letter they are not legit.