What happens if I don't pay the payday loans

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O man thank you so much!!! that is a HUGE relief!!! they always call me from unknown number gave me there direct line witch is 626-789-0158 and there fax number is 206-338-1272. 626 is in cali 206 is Washington? I thought that was strange right away. Thank you so much guys i feel much better! last thing i want is to have a cop come to my work and drag me away!!

Yes, 206 is in Washington. I am from Wa State. ;)

i have a loan with pay day max for 700 and now a compony called debt consolidation depot are charging me 1400 is this leagal

We live in the state of Az and we took out 9 loans online, we are currently working with a debt settlement company. If we close our bank accts is that considered fraud because the fees are piling up and we can't catch up on overdraft and returned checks. please help

Contact Progressive Debt Relief via their website.. They are out of Florida and I live in the Washington State. They have been great in advocating, negotiating and resolving my payday loans (aka merry go 'round ride) these past several months (I'm too ashamed to admit how many payday loans I had. I had medical bills and nowhere else to turn; I was so distraught, I even contemplated suicide). They will negotiate on your behalf and propose to settle paying the payday loan places for less (at least they will get paid, & more importantly, stop the harrassing phone calls!!). Believe me, I had my share of threats of lawsuits, calling my employer, garnish my wages, etc. THEY ARE ALL LIES!!! (They even denied ever being contacted by Progressive, which is one of the services Progressive provides). Now when I drive by "those" places on my way to work, I say to myself, "Thank God for the good people at Progressive and add, never again!!!!" (Because of Progressive, I am still walking the earth and have been able to sleep these past several months ). Please post as to your outcome with Progressive Debt Relief. I KNOW THEY WILL HELP YOU AS THEY HAVE HELPED ME AND MY FAMILY!!!!!!

I have about five loans mostly in Kansas and one in Missouri. The one in Missouri is taking me to court and adding on about 300.00. I am not going to show up as I am barely making any money compared to a few years ago when I had these loans. What are the garnishment laws in the State of Kansas for this type of thing with a judgement? I already have a tax levy that is taking an agreed amount of 25. a week out of my paychecks. Can I still be garnished for the judgement on the payday loan if the court gives a judgement against me?

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I live in Kansas and was living in Kansas when all the loans were taken out. I guess they'll be standing in line for months to come. Oh well....their loss I guess.

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I don't think it is a good idea not to show up in the court. Why give the chance to the creditor to get a default judgement when you can put up a defence by showing up?

I had three payday loans exceeding 600 apiece. What happened was that i recieved the harrassing phone calls along with my references. After i didn't respond they sent it to their corprate office and i had to pay all of them by a certain date or i would have to go to court. My advice for anyone wanting one to not persue it. It is a trap. You will never get out of it.

I live in Louisiana and ACE threatening to file charges against me. I was contacted by a debt collector this Saturday and they threaten to file charges on Monday. I asked him to give me Two weeks, but he says he could only give me a week, and that's if I give him a credit card or debit card number. He says he's going to file for the max. What does this mean? Are you sure this is not going on my record as a felony and I wont go to jail?

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Don't pay anymore. They have already made much bucks off you. The truth is, there is nothing these payday loan people can do to get your money. They love to scare you with jail time threats...will not happen!

:(I am in the same boat. Ace is calling me on a $600 loan that I just don't have the money to pay. I closed my previous account and opened another so they could not just cash the check. I am going to call and TRY to set up somr kind of payment plan. I was scared of going to jail as well!!!

That is so good to know...I was scared!

Thank you so much...You just totally put my mind at ease!

Hello,

I have about 4500 dollars in payday loans. They were all done via the internet. I signed up with Langhorne Debt Solutions to have them consolidated. Does anyone know anything about them. Are they a reputable company.....I got scammed before. I am a little wary.Any help you can give will be greatly appreciated.

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I have a advance through check n go in michigan. I havent been able to pay and i got a call today saying they were taking me for check fraud. Is that possible? Even if i cant afford it?

I've been told they are setting a court date to sue me. I'm on social security and don't have a car.I live in PA. Has anyone ever gone to court? Can they make me pay if I have 3 kids and am on limited income?

by the way, it was a cash loan of the internet 2 years ago.

the amount is about 1200.00. The lawyer said they would settle for 800.00 and 50.00 a month. I said I cannot pay it. Can't pay my regular bills. They said ok, then a date will be set and papers will be delivered to you.

no they can't in fact.they would have to sue in your burough.btw PA is a non-garnishment state,and since your sole income is SS they can't granish,or seize your bank account.they are making empty threats.file AG complaints agianst this bottomfeeding CA.

do I have to show up for the court hearing if I indeed do get papers? Will the Judge make me set up a payment plan?

if,and that is a BIIIIIIIIIG if you do get served which i doubt.yes be there,and show the judge the fact that your on SS,and your bank acct is where it goes.it will get this collector nowhere to actually serve you.i'm guessing they think they can scare you into paying.you see being in PA they can't garnish,and being you are on SS and can prove your bank acct is where it goes.they can't touch that either.sounds like they are blowing smoke to me.

Hi, I would suggest you to go ahead and have a word with your nearby attorney to discuss the best possible option. Cause your attorney can only tell you what payday loan companies can do if you are not paying them in money.

I took out about 8 payday loans via the internet in 2008 and got over my head ($2500). I closed my bank account about August 2008. I received several emails from some of the companies, sent them letters stating I would report them to my AG and BBB. I live in Nebraska. When I researched the companies, I could not find any that were licensed within my state. As well, at the time, all payday loans were required to be paid within 30 days according to NE law. All was quiet until this week, yes, almost two weeks later. I had one very rude guy call named Paul. He has called twice in two weeks stating I committed fraud threatening that he was filing court actions within my county. He stated he was from some law firm in California, but the caller ID showed Maryland. The second was from a number in Nebraska for Money and More. She was very nice. I told her I was disputing the loan and she said she would send me paperwork to dispute next week. I have not had to pay back any of these loans and they have not tried to take me to court or garnish wages. Anyone have this same scenario lately? Has anyone been summoned to court two years after the fact?

I have 3 payday loans in the state of Kentucky and cannot pay them off. I have closed my bank account where these checks need to come through. The state of Kentucky is now posting a central data database which would show how many checks you have out, and you cannot have over $500 out at one time. All together I have about $1200 out.

So, I was just not going in to pay them because if they look on the database, I will not get my money back from them, and I will be behind in my rent and other bills. These are all local check places.

So, at this point I don't know what to do.

polly, can you answer me on this? or anyone that may know what I should do?

I have a payday loan for 180 that is due a week late now. I wrote a check and they havn't cashed it yet, but she said she was going to bring it to the sheriffs office if I didn't pay it. I lost my job and am not able to pay it. It's with Cash Cow in Louisiana.

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I am a store manager for one the loan companys that you mentioned. First of all whenever someone come sin to inquire about a loan I am very upfront and honest about the experiance which is how we train our employees to be. I tell them yes it is high intrest. These loans are meant to be short term loans! In every state we are located in we are required by law to have a poster hanging that states that these loans are meant to be short term and that consumers are advised to borrow the least amount possible and pay back as quickly has possible. Getting multiple payday loans and multiple companys is ALWAYS a bad idea! In fact several states have laws about that and they require loan companys to enter your name into a datebase when you have a loan so that you are not able to get another payday loan. The best advice I can give you is talk to the employee at the store and let them know what your situation is and get all of your options. Most likely they will be willing and able to work with you and help you get yourself out of the mess. Remember that although it may seem like a rip off you were aware of the terms you were given a copy of the legally binding contract that you signed and you willingly signed it. No one held a gun to your head to borrow that money. You borrowed it you spent and you need to pay it back. If not paid back most states can not criminally charge you but they will civially sue you and they will WRECK your credit. Please please please make the effort to work it out!

I had a $1500 installment loan out with an advanced America store. My soon to be ex husband convinced me to get it so we could get our kids a ps2 and a few other high ticket christmas gifts that we couldn't afford and that they probably didn't need. The loan officer was very nice and she told me to only borrow the minimum that I needed and to try to pay it back as quick as I could. I felt imense pressure from my husband to take the full amount and did. Payments were over $400 monthly and I soon became unable to pay it. I wanted to talk to my loan agent and see if we could work something out but my husband said they wouldn't work with me and that they would end up screwing us. So we stopped payment on all of the checks we had out for them and ignored all contact. Biggest mistake ever! The girl left me several nice messages maybe 1 a wek for a month saying that she wanted to work with me but we ignored them. After a few weeks my debt was sent to their cooperate office and they called me 3 times a day 6 days a week for another month and sent me letters twice a week. Then I didn"t hear for a few weeks and thought it had went away. Big mistake! The loan company sold my debt to A third party colelction agency who harassed me daily and was very rude. After a few weeks of me not paying they hired a lawyer who went to court and had my bank account froze and eventually had my wages garnished. I ended up paying back way more then twice has much. I had a friend who delt with the same place and same problom and she did talk to the loan agent and they put her on a no intrest repayment plan and she didn;t have to pay half of what I did. I wish I would have done that.

I'm in california and I have about 5 loans out right now...I used to have 7 to 9 at one time but some how I managed to pay them off. But now things are getting worse financially and its making me want to take out 2 more to cover some financial tragedies (have to move in a month and I have no money to find a new place)...plus I might be getting laid off in two weeks.

I have 5 pay day loans from:

Fast N Reliable (online) $400 payments are $108 every 2 weeks
Check N to Cash (store front) $300 payments are $45 every 2 weeks
Ace (Store front) $300 payments are $41.25 every 2 weeks
Zip 19 (online) $750 payments are $149 every 2 weeks.
Pay Day Advance/CashNetUSA (storefront) $300 payments are $45 every 2 weeks

I cannot afford these. I want to bring my other bills current they were at one point 2 months behind because of this.

Any solutions to pay these off? 2nd jobs are hard to come by and I'm probably getting laid off soon.

What I was thinking as a solution is to not pay the online ones use the interest payments i'd be saving to pay off the store front ones. and if they call me I will tell them that i'm getting laid off/got laid off and that i can't afford to pay these and if they can work out a deal with me.

Any other dieas?

i highly recommand anyone who use any payday loans to understand the agreement that they have enter...... if u could refrain from it; please do so. there are fees and intrest that are attached to the loans and every time you set up a payment plan and don't pay; more fees will accrue.. the best way out is to set up a payment plan and make the payments on time or ruin your well established credit and file for bankruptcy....... FYI

litlejuggernaut: check your laws in ur state

is there a statute of limitation on how long an internet payday loan company can prosecute?

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I have loans with LoanPointUSA, MYCASHNOW, CASHNETUSA, INTEGRITY ADVANCE, US FAST CASH, all internet based companies. I have been unable to payback any of them due to unemployment. Also, I've had my bank revoke ALL transactions to these companies, so when they've tried to take money, it is debited from my account but credited 24 hours later and returned to them. My bank doesn't charge me fees or anything but it's just a little annoying to deal with this when funds are so low. Anyway, what can or cannot happen to me? I understand that these lenders are illegal in New Jersey, but I am unsure of how the law applies to me. I do want to rectify the situation, not sure when I will be able too, but I'll be damned if I pay 2300 on a 700 loan. Please advise as to what can happen to me if I don't pay or if I take too long too Pay and also, how can I get them to stop debiting my account?

I live in FL and I have 1 pay day loan I am unable to pay back, right now it is current but I am not sure what to do. It is with and internet based company called Magnum Cash Advance. I have spoken to them and they will allow me to make 4 payments (2 a month of $330) on a $650 loan. I also have an old loan that I defaulted on in Ohio (when I live there). This loan is for about $300 plus fees, and is from late 2004 or early 2005 (not sure). This was a store front loan from Advance America. I just received a call from a collection agency on this with in the last month but I can't make the payments they are looking for. Please help, my credit is already bad (single mom with 3 kids, and no child support coming in). Should I try credit counseling or bankruptcy?

I cant afford to pay the $660 for two months on this loan.

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I have two online payday loans in the amount of $300 each and one in the amount of $610 at a store. I live in Wisconsin and am on disability. I am way in over my head and am having an extremely difficult time paying this, seeing I only get paid once a month. I'm so depressed over this and don't know what to do.

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I have 8 pdl in Louisiana. They are due today, but I am going to close my account this afternoon, before they can try and cash them. I don't have enough money to cover them all. I don't have a problem paying them in payments, but usually how long does it take them to file charges or check fraud? The companies are(all storefront): Advance America, Allied Cash Advance,ACE, Check Into Cash, Cash Cow,Payday Now, Money Mart and Paycheck Loans. SHould I call them today and tell them I can't pay it or wait for the checks to come back?

Call them all before you default and ask if they offer an extended payment plan. Advance America does. I'm not sure about the others. I'll check and get back to you.

Advance America, Allied Cash Advance and Check Into Cash are all members of the CFSA.