i am not working right is there a way that i could be later on the next month

I feel relieved in reading everyone's posts. It is just comforting to know I am not alone in this, and my situation isn't half as bad some out there. Still, I would love guidance and advice from you guys. I live in Tennessee and have out 3 payday loans... One for $100, one for $75, and one for $300. The first two are through Advance Financial and the third is through Check n Go. I did have a fourth but I was able to pay that back a while ago. I am just scared and tired of having to renew and just stay in the cycle of paying these interest fees. It is very stressful keeping up.

Back in February I started taking out payday loans to help meet some of the bills coming due. I ended up taking out 12, I feel like a complete idiot, but at the time I was desperate. I have continued to pay these loans, up until friday, when I just didn't have any funds to cover them.

What percentage of a debt should I offer a creditor to settle a debt?

I need to call them to settle my balance. Is there a good number I can call? I was able to arrange to be their special program of 0% interest rate since earlier of this year. When I was on the phone, I was told that at anytime if I could afford to settle the balance, I just needed to call them back. However, today when I called in, the answer was, "No, that's not an option since I am on their special program?!?!" - so let me know if this is true? If not, is there a good number to contact? Any tips or advice are greatly appreciated.

I had several payday loans wirth CashNetUSA. From February 2010 until October 2010 I borrowed $5,250.00 (four different loans) and paid back a total of $10,383.43. Then in October of 2010 they gave me a "line of credit" for $1,500.00. This is a CSO loan. I currently owe them $1,600.00 on this CSO. However, since I overpaid the payday loan by $5133.43, can't the $1600.00 CSO balance be deducted from the overpayment? To me, they would still owe me over $3500 in overpayment. Can anyone address this?

is this a legit CA (214) 613-1463

i hav an employer who changes my payday without notice and postdates my paychecks also gave me a w2 and a 1099 at the same time for money that was supose to be on payroll

I stumbled across this website and then the forum Friday night, after reaching my breaking point with these payday loans. I really want to take responsibility and start to clean up this mess. After reading many of the postings, for the first time I feel empowered and hopeful that this mess will come to an end. I have a few questions; I looked up my state on your payday loan state info site and it says payday loans are illegal. So this means now that I only need to repay the principal?

I am being contacted often by CBE Group of Iowa. I have no idea of the source of the debt they are trying to collect. It could be Mayo Clinic. Should I call Mayo first? If I call CBE, should I give them my mailing address or any other info. They are calling neighbors and familly where I grew up. Has been reported to collection agencies.