hello, i have a payday loan with Needinstantcash who is an internet lender, i live in Georgia. my loan was originally $300, but when it was deposited to my bank it was only $280 since they charge a one time fee upfront. So so far i have paid $660, and it was only for extensions, means nothing towards principal. can i get out of it? Thank you

I'm new here. So hopefully someone can help me or direct me better...I was hoping someone could advise me regarding my current situation and what my rights are regarding the repaying of payday loans within my state. I just read about the repayment plan that lenders must obligate to if my debt is 35 days past due. Does that apply only to lenders that are licensed in my state? I have a company (ABC and Payday Loan Yes) threatening to garnish my wages. ABC seems to be more difficult to work with me. I took $350 loan out.

OK so I get another call at my job in which I continue to tell them I can't take personal calls at work. Today they tell me my account is going to arbitration and I could be locked up but they wanted to contact me before it goes because of my good account history! ( Are you serious) So my question is what is arbitration and what do I have to do because they are located in St Vincents and Grenadines like how do I fight this.

I have gotten 5 payday loans in June and July.. I live in Texas so my understanding is that they can not garnish my wages... I have payed the first payment of all but one of them... I closed my bank account and as expected have started receiving phone calls on my cell no big deal I just send them to voice mail. I am now unemployed. I want o pay back the loans but not sure when I will be able to.. I have other debtors that will get my underemployment.

Hi everyone. Here is my situation. I have gotten myself into payday loan hell by being a complete ignoramus and by having terrible luck. Not a good combo, right? Anyway, it has gotten to the point where I can't make ends meet and I can't keep taking out the payday loans. My situation is this: I earn 2100 a month net. My fixed bills: 255 car loan 305 discover settlement 178 1st financial bank settlement 80 cell phone 65 car insurance I do not pay rent. I can eat pretty cheaply. Obviously I have to buy gas for the car.

Hi everyone, I got a call from these folks leaving a voicemail threatening a summons for defrauding a financial institution. Trying to get more information on the company but they flat out refuse to give up anything besides the name American. The phone number they have is 866-844-6117. Unfortunately the web can offer nothing. Anyone know or dealt with them before? They are within the states and judging from their accents I would say east coast NJ or NY. Thanks

Hello, I understand the basics of reading my credit, but I'm having an issue with an account that I disputed with the collection agency. I disputed an item in April, and I'm not sure that it was ever listed as disputed with the collection agency.

Hello Friends, From now onwards, we will be sharing our “Financial Tip of the Day” and other updates with our Community Members which we generally share with our Facebook friends. Here's a list of all the financial tips and questions which were previously shared with our FB friends.. Before repaying a pay day loan, make sure pay day loans are legal in your state so that you don’t make extra payments than you’re supposed to make. If they’re illegal, you just need to pay the principal balance of the loan.

My sister went to a private university in PA for a semester. Due to family reasons, financial and personal, she had to drop out just before the end of the semester. The school charged the full amount and she ended up not being able to pay it. This is not a loan and just an unpaid tuition balance of $9000. She has made a payment arrangement with the school and has been making large monthly payments, $500, for several months now which avoid the account being taken to a collections agency. With monthly late fee of $100, the balance is much harder to pay down.

I live in Maryland and I am stuck with 3 payday loans. I just contacted Maryland Comission on Financial Regulation and told me that these are all illegal and she wants me to send letter for them to investigate it and I just send the letter yesterday. I went to my Bank to talk to them to close it I have check pending that I paid for house rent so we decided to wait till today Aug.16 till the check cleared.