Oak View Law Group-loan consolidation

It depends. Are your loans legal? If they aren't, it's a horrible idea.

What state do you live in?
What are the names of each of your lenders?
How did you obtain each loan (internet or storefront)?
How much did you borrow from each?
How much have you paid to each?

Ignore fees for now and just give me actual numbers.

I'm from Ohio.

My loans are all legal, and I've already defaulted on all of them.

The are:
Check n' Go: for originally $200, then they let me renew it and take out more, so in total I owed $800. (balance is now at 862.67 after two payments).

Cashnet USA was $850 (it's at $982.34 after a payment already)

Payday one: $500 (it's up to $641.06 now, haven't made payments yet, just kept doing the renewal fee. Loan is in default now).

Also, they are all internet loans.

I have paid (not renewal fees):
$145.00 to Check n Go

Set up payment arrangements with Cashnet that start 11/14 for $150 biweekly until the last payment amount of close to $400.

Payday one I haven't set up payment plans yet.

And I'm not sure how much towards renewal fees for any of them because my bank account was closed and I no longer have access to payment history online.

Since your loans are legal, I suggest that you contact each of the lenders to set up a payoff arrangement. The 3 you mentioned are usually pretty reasonable, even after default.

How much can you afford to pay toward these monthly?

Your best bet is to call each and ask to pay these off in monthly payments (not each payday). That way you can alternate who you're paying each payday and it's not hitting you all at once. Since you renewed the loans numerous times, I would suggest you also ask for a settlement.

Try offering 60-75% of your balance due.

Make sure you offer only what you can stick to to pay these off. I don't recommend paying someone to do this for you. You can do it yourself for free.

Thank you, OhioGal.

I can afford to pay them each $100 a month. That's $300 a month I can scrape up for sure. Would they agree to this? I mean anything is better than nothing, right? I'll call them today and see what they say.

So far the only one not willing to work with me right now is Payday One. They said they can't take payments. I recieved this back via email: "We can not change the terms of your loan agreement." I'll keep trying.

$100 per month isn't much, considering. But, if it's what you have, that's all you can do, right?

Keep at them. If worse comes to worse, you can default and work out payment with collections.