Desperate for Payday loan relief!!!

First of all, please list the following information so we can help you.
-Names of each pdl company.
-Whether they are store front or Internet.
-How much you borrowed.
-How much you paid so far.
-The state in which you reside.

Thank you.

Hang in there ---- this forum is PRICELESS as far as information on how to get out from under PDL's......post your information and they will help you. Good luck!

Well, I just made myself physically ill after actuall seeing how much money I have already paid out to these loans.

National Payday (Internet) - Original loan amount was for $300.00 and thus far I have paid $530 with a balance still of $270.00.

One Click Cash (Internet) - Original loan amount was for $400.00 and thus far I have paid $860.00 with a balance of just under $300.

EZ Payday...aka...United Consumer Financial (Internet) - Original loan amount was for $400.00 and thus far I have paid $805 with a balance of just under $300. This company calls itself EZpaydaycash through emails...but a company called United Consumer pulls the money from my bank account.

Mycashnow (Internet) - I just took this loan out on 8/25 for $770 due to my bank account becoming overdrawn and I had no other option.

I live in Indiana.

Here's your state's information:

Indiana Payday Loan Laws

State Legal Status
Lending of payday loan is considered legal in the State of Indiana.


Loan Specifications

• Maximun Amount of Loan - $550 (should not exceed 20% gross monthly income of the borrower)
  
• Term of Loan - 14 days
  
• Maximum Rate of Finance and Fees- a) 15% for a loan of $0-$250; b) 13% for a loan of $251-$400; b) 10% for a loan of $401-$500
  
• Finance Charge on $100 loan for a 14 day period - $15
  
• APR for $100 loan for a 14 day period - 390%
  

• Maximum Number of outstanding loans permitted at a time - 2 in total (1 per payday lender)
  
• Permissible number of Rollovers - None (cannot refinance, consolidate, repay or renew)
  
• Cooling-off Period - 7 days after a period of 6 consecutive loan days
  
• Repayment Plan - After giving three consecutive loans to a borrower, a payday lender must offer an EPP (Extended Payment Plan) to the borrower of atleast 4 equal installments without charging any additional cost.
  

• Collection Fees Amount - a) One NSF fee of $20; b) If authorization to debit or check was used to defraud another then additional charges may be applied.
  
• Criminal Action - Prohibited
  

• Regulator - Indiana Department of Financial Institutions
  
• Address - 30 South Meridian Street, Suite 300 Indianapolis IN 46204
  
• Phone - (800) 382-4880
  
• Regulatory Contact - Mark Tarpey, Supervisor, Consumer Credit