step one

congrats! you'll start feeling much better as you start seeing results! you did the most important step, which is saving your money to pay bills, then comes the rest! yeey!

i my case, what i did was that i told them, i got in trouble and if they contact me again, i would get into deeper trouble and i don;t think they want that because how would it have the money to pay them?? all of them agreed when i told them that! they stopped calling...instead they write to me or they fax me. but that;s what it worked for me, it might not work with everyone. You knwo what, just be confident that everything will be ok, repeat it in your head each and every time you can! get rid of negativity, and move foward, it will help you be stronger and deal with them. it worked for me!

Hi Ayla,

You can search the contact addresses of the companies here in this site. You will find the addresses of almost all companies over here. But, I would rather tell you not to waste money on these companies. Send emails instead.

Another thing, don't get nervous. Be confident, because since all PDLs are illegal in your state, you are the one who should be calling the shots. Remember that!!!!!

All the companies have these BS things written. Just remember that since all PDLs are illegal in your state, so all your contracts with these companies are also illegal. Whatever they may write or say, the laws of your state will prevail. Don't worry, you will win. Best of luck and keep us posted.

Regarding wage assignments, well, it is a voluntary action and can easily be revoked. Moreover, illegal payday loans generally don't have the guts to make wage assignments. They won't do, so don't you worry.

Regarding the last sentence of your post, it can't be done since this is an open community. Everyone is welcome here. Also, you should not be afraid of any of those illegal payday loan companies. They have done business illegally. If you want, you can also contact the New York State Banking Department and file complaints against them.