Stuck

Hi Raven,

Let me tell you that payday lending is absolutely legal in Texas. That's why a lot of people fall into this payday loan mess and can't get out of it. CashnetUSA, CheccknGO and Ace Cash Express are legal in Texas. I don't know about Integrity Advance. You can close down your bank account and then start negotiating with your payday lenders so that you can settle the debts with them. If you successfully settle the debts on your own, then you should promise yourself never to fall into this mess again.

Take care.

Oh God! So many people are getting into payday loan hell nowadays!

You'll have to pay the principal amount along with the interest and fees to the legal payday loan lenders. You have taken out the loans and it is your responsibility to pay them off. Don't close your account just now. Contact your lenders first. Try to arrange a payment plan with them. If you are not able to strike a deal, then take advantage of debt relief programs.

Good luck!

My previous posters are right. If you find that the lenders are licensed and you can???t payback your debts, then you may try to consolidate the debts yourself. If the lenders don???t agree to negotiate with you, then you may get help from a reputable payday loan debt consolidation company.

I appreciate the help, I will contact them and let them know my situation - I do have some time and I work a commission job (which was blank for 3 months, hence the current issue) - but things have improved and it's good to know there is light at the end of the tunnell!