I have 3 payday loans here in Texas. Two are storefront(Advance America and EZMoney Loan Services) and one is internet (Ace Cash Express), but they have a storefront also.
I stopped payments on all of them last week, so I am now 1 week past due. I want to arrange some sort of settlement with them. At what point should I contact them with an offer? Advance America was a 700.00 loan and I have renewed it at least 4 times. EZMoney was a regular pdl, but was converted to an installment loan. The principle on the installment was 1995.00, I have paid one not of 399.00.