I can't take this stress anymore with PDL

I am sure someone will be on here to advise you if the online ones are legal. That will help, as you only have to pay them the amount you borrowed, and are actually due a refund of over payments (if you get it, you can put it toward other PDL's) How much do you owe and how much have you paid?

Also, I am in a payment plan with Cashnet USA. they are a member of CFSA or http://www.cfsa.net/ They will accept a payment plan. They broke down what I borrowed in four easy payments. See my link

http://www.debtconsolidationcare.com/forums/showthread.php?t=87496

You can also look on CFSA Website to see if other PDL's are members, or look for the symbol in the store oor on their website.

I actually closed my checking account, let the loan fees bounce back and set up arrangements. Pay them ON YOUR TERMS. There is alot of help on here....Good Luck!

CASHNET USA is a legal lender and you have to pay them back. you can contact their corporate offices and ask them for a payment arrangement.

Advantis and Everest Cash Advance are illegal in your state and you are only morally responsible to pay them actual amount borrowed. Close your bank account asap if you want protect your money from these illegal PDL lenders. Go through the following link to know how to deal with these illegal lenders: http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html.

Listen to Paul and close your bank account! That is the only way to stop them from accessing your money. With Rent A center in order to get out from underneath them depending on how much you've paid you might consider sending the furniture back. Call the store you purchased the item/items from and speak to the manager, see if a payment plan be worked out, I know they would rather that then get the stuff back.

Thank you all for your support. I am so embarrassed and depressed about what I got myself and my kids involved in. I am going to go to these places today and offer them what I can afford, if they deny it and won't allow me to set up a paymnet plan then I will just start mailing money to the corporate offices or something. I just can not handle this, especially with Christmas coming up.

Please don't be embarrassed for this. We all have passed the same situation. As for the storefront loans, you need to contact them and make payment arrangements. Check into Cash, Checksmart, Rent a Center are all members of the CFSA and you can ask them for extended payment plans or EPP.

Dont be. This forum is so amazing. Understanding and compassionate. Great Plan!!! Close your account before you talk to them. Never know what they might try after you leave their office.

Check into Cash and Check Smart are CFSA members, so they will do a payment plan for balance owed plus interest. charge

Sorry for the duplicate answers. Paul and I posted at same time.

I too am in Ohio and in the same mess. My bills are so far behind that my house is facing foreclosure and my car reposession.

Yes the calls are frustrating, but I have closed my bank account and began to pay what I could afford. I know they will ask for 3-4 payments which could be 200-300 each pay and it is tough. I just ignored the calls from corporate offices and plan to take to into the store what I could. Then move on to the next one and begin making payments as you can. They will not refuse any payment toward the loans. Also, the calls to your references will soon stop too. Those only last for a few weeks.

Also, I did join a credit counseling company to help. Some of them did agree to the payments, some did not but are still taking the money...

Hang in there and know you are not alone!

I can relate. We were surprised this past summer when we found out my wife, a teacher would not receive any pay through the summer because she was only a permanent sub but not contract. We got into the loans on some bad advice and before you know it, you've got another and another.

These loans just can not be juggled. SO now, every program we've looked into wants 500 to nearly a 1000 dollars a month for 9 to 12 months and this is just impossible. We've closed our checking account, opened a new one but still need to enroll in a good program with a reasonable monthly. We owe @ 7500.00 total online and storfront. Forget getting a consolidation loan.

When you're in this deep...No one will help with a loan to consolidate these. No matter what your ability is to pay or how much you make. I wish I were wrong. We still don't know who to turn to for help. We want to pay this off but we can't handle the interest and the amount we'd have to pay monthly. Worried about possible future garnishments etc. Any real advice is wwelcome.

Patrick,

Who is the lender and in which state do you reside? Please give these answers so that the members here can give you practical advice.

this is the time of year when we all need to help each other in certain ways. Not being able to give family and friends gifts will not be the end of the world. Just explain to them that you do not have any thing to give and i am sure they will understand what you are going through.

I am in the same situation. My husband has been unable to work for almost 5 years and I have done pretty good on my own supporting our family. However in the past 3 months have taken out 8 payday loans online to try to make ends meet. I am going to close my checking account tomorrow and face what happens. I am in hopes that they will just accept payments. does anyone know how this will work. Lord knows I just can't take anymore.