Hello. Me and my husband are in a neverending cycle of pay day loans. Please help/Advise...We have 2 small kids at home who are suffering for our bad choices. -National Cash Advance $1200 - Cashland $890 -Check Smart $350 -Quick Cash $550... How can we get out of this? Who can help? My husband is considering a payday loan consolidation, which said they will pay all these down, and stop the calls for 220$ a check, or 440$ a month. Solid Ground Financial is the company. Any help?

I am assuming this is from MyPayDayLoan.com. I have not heard a word from them since the emails on Friday that I posted here. Pretty vague of you ask me and there is no way in heck I am contacting them to find out. So do I send them a C&D? It does not even say who they are saying I owe money to. what a shame. Credit Protection Depot Regarding Lender: 1-855-883-2270 Payment Return There was an insufficient funds return on your recent loan payment to . As such, your loan payment is still due. Please call us at 1-855-883-2270 to resolve this matter immediately.

I currently have the following payday loans: - Check N Go - $100 + $26 Fee - I know this company is legal - Ameriloan - $150 + $45 fee - I'm pretty sure this is ILLEGAL - Check City - $600 + $153 fee - this company operates as a CSO. How does that work? The company that lent the money to me through Check City is NCP Finance Limited Partnership Can anyone help me to confirm that Ameriloan is legal or not in Texas and help me out with Check City? I stupidly borrowed too much (go figure, right?) and now I'm unable to pay these back including the service charge. What do I do?

I tried posting this before - so I apologize if the other one eventually shows up. I have been slowly paying down all my accounts. I have one Discover card (they lowered the interest and i'm making regular payments) and a personal loan with Citi/OneMain that still has $4028 on it.

Hey all, I've been on this continuous treadmill in Texas on these PDLs and it's time to get off. Problem is, I'm not sure how I can do it.

On June 24, I was contacted at my place of employment by a man named Nicholas McCarter. He stated he was an attorney with NCS Financial and was requesting my attorney's information due to the upcoming court date on the 27th of June. I stated that I had no attorney and I wasn't aware of any court date. He then went on to inform me that ThinkCash/First Bank of Delaware had tried contacting me on June 20th 2011 in regards to the payday loan I had taken out in September of 2010(which is true), and that I refused payment(this is not true).

Tonia, we cleared your QOM payment. Please check your qom payment snapshot in your mail. Congratulations on the WIN :)

I just sent a message re: a summons i received yesterday at my home. I tried to work with them on this debt, but the problem is that i believe their total is way too high from what the original bill was (which i will be trying to find out today from GE moneybank) if i can find a # for them. I'm on disability and am deathly afraid of going to court. i have social anxiety very severe and want to settle b4 going to court? Also, there is no way i could even try to financially get a lawyer for this. Please help and thank you so much for your help!

I realize I should have read the small print, and accept full responsibility for re payment of the amount I borrowed in full. I am currently paying has brought me to a severe financial hardship and I am in danger of loosing my checking account due to excessive/consistently over drawing my account. I initially borrowed the funds for help and instead, due to the high payment taken out of every paycheck, and applying to interest only, it has had an adverse effect on my financial situation. I have much more owing monthly than I have coming in. The stress is affecting my physical health.

A ruthless collection agency, Stephen & Michael, I believe pulled my credit and dropped my score. I do not have any outstanding debts in collection. How are they allowed to do this!!