Okay, I just joined the community and I'm reading over posts to try and figure out what I need to do. =( I have only two pay day loans at the moment but they take so much that I have to rob peter to pay paul it feels and I just am getting further and further behind on my bills. I'll find myself not buying food for the week, just as long as the pay day loans are paid. D: I live in Illinois and my lenders are: checkngo.com www.paydayone.com Any advice or help on what I should do? I don't even know WHERE to start. :(

Omg... I'm in a panic. A payday lender called St. Armands Group sent me to collections!!! The collections agency just called me. The person was very nice, but still... i don't know what to do. I sent St. Armands Group a Cease and Desist Letter stating that I wanted to pay back the principle of the loan. The person from the collections agency said that the St. Armands Group believes that I opened this loan without any intent of paying the loan at all. Which I did! I'm not sure what to say... and to make matters worse, the collections agency called my work!

I need some advice,,,,my husband had a Sears Card for many years,,,he is now in a nursing home and all of his social security goes for his upkeep. I understand that the bill needs to be paid and the collection agency keeps calling me to set up a payment plan. I can not afford to pay the amount that they want. What do I do??? What steps do I take? I am not a cosignor on this account.

Hey there! back in college (graduated in 2000) I had a couple of credit cards. I either paid them off or settled with them all. I had one follow me for a bit and when I could afford to pay them, I did. Nothing major, just a thousand bucks or so. Now I have started receiving phone calls at work from the lovely Kelly Smith at ER Solutions in Renton. I've told them I won't give them any info on me and requested they not call me at work.

Here is my question,,,,my husband has a Sears Credit card. It is behind in the payments. My husband is now in a nursing home full time and all of his money goes to the nursing home. I know I need to pay the bill and the collection agency is wanting me to set up a payment paln on it, but money is very tight and I am not able to make the kind of payments they want. Please tell me what to do.

So I defaulted on a few internet payday loans a while back, but now im starting to be able to take care of them now that im working again. The first one im working on is Cash Central(balance is $385.82 and is currently 242 days past due). I recently got an email from them stating they were going to turn it over to a collection agency on the 13 if arrangements werent made. So I called them up today to ask if they had reported it to the credit bureaus, and the lady said yes. I told her I would pay it in installments in full if they would delete it.

I flunked out of one school back in 2007, I applied for a forbearance and was in a bad place mentally and didn't bother to check up on it. I started going back in 2009 but obviously too late. Now that I'm in a better place mentally, they've started sending me all these overdue bills that I can only assume means the loans are in default because it says Charged off account. I got my credit report and all of them make sense except for one much larger then anything I took out, but it still says its an open account, but its activity designator says Transfer/sold.