Ok, my sister in law came to me last night desperate. I've spent the last few hours online learning all I can about payday loans. I'll spare all the emotional details and lay out the facts. She is in Texas She obtained 2 payday loans in March of 2011 one at Ace Express a storefront and legal CSO in Texas for $1200 and one at Quick Cash- also a legal storefront in Texas for $1800 she didn't realize that they don't accept partial payments.

I'm just starting out on debt settlement, most of our issues started when our son had a catastrophic illness and I had to leave my job and relocate for his treatment for six months while my husband continued working and caring for other children. The credit card debt piled up while we were supporting two households on one income. Thankfully our son is healthy today, but we are struggling with the financial after effects. I'm back to work, but we can't keep up with minimum payments. I contacted them all and asked about hardship and it wouldn't lower our payments, which defeated the point.

Hi, I am in dire need of help/advice as I have never dealt with a situation like this before. I am a Canadian Citizen, who is studying to become a doctor and who will be seeking an american greencard within the next few years. In May of this year I was doing a rotation at a medical school in New York, when I found myself in the emergency room of the hospital. I had travel insurance, and also had paid a student health fee when I registered at the medical school.