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I need some serious help. I am in over my head with online payday loans. I am so stressed out. Each time I get paid my account automatically goes into the negative because the loans are taken out of my account and so are all my other bills. So I'm screwed each payday. I want to pay my loans back but I also want to have money to live and to pay all my other bills without having to worry about them being rejected due to insufficient funds. Can anyone help me? Is there any way I can consolidate my loans and just pay one monthly payment? I really need some help.

:confused:Hi ev1, Im a new member and hope you can help me!!!! I have GC Services calling me in regards to a Amex debt and now they are calling my neighbors house. I just got a call from them advising me this. I cant believe they would do that, is this legal, I live in Mass?

Sorry to be posting about this again, but i'm confused. I got a call from a guy at national credit adjusters. He says they are not a collection agency and that they bought my payday loan from two companies, mmg and debt doctor. Now I have paid both of those off back in '08 and then some in fees and payments. My question is do I have to pay this company as well? Can they take me to court or anything? What should I tell them? any help will be greatly appreciated. Thank you

Hi...I had a PDL with Sandpoint which I now know is illegal in my state of California. I closed my account and tried to call to make arrangements on my principal balance but no luck and no response. Today I get a call from Lawson and Marshall law firm stating that I will be arrested for writing an e-check across the state lines and for possibly using my work computer. She stated that they will come pull my equipment out to investigate. All for a $300 loan that I paid over $200 towards.

I live in MD and I've found out that lending of payday loans are illegal in the state of MD. But I se that Cashnet USa and Payday One are allowed to lend in the state of MD. I have paid the principal s of Cashnet USA of $900 and Payday One of $500, but they are still calling and sending me emails about setting up payments to pay off the loans in full. But the principal of the loans have been meet already. What are my next steps when your principal has been meet, but they are still wanting more money?

Here is what I have outstanding: - Name of your state- Utah - Amount borrowed - $510.00 -Amount repaid - 316.09 - Storefront/internet - Paydaymax.com - internet 310.00 borrowed 236.66 paid back mycashnow.com - internet 500 borrowed 125 paid back nationalpayday.com - internet What I'm confused about is that I've read on here that all these companies are illegal in the US and that I should send a letter to them.

I owe just a little under $234,000 over 20 accounts. It was no big thing when business was good, and it was good for a long time. Then when the credit crunch starteed business went in the toilet and my business plan with it. Now I am left with the debt, most of which I am personally on the hook for. My credit is either already shot or will be. If I stop making payment s to build us some cash to try to sellte with I'll be so late that my credit score will be in the single digets. Filing a chapt 13 seems a somewhat cleaner way to reslove this.

how long will it take for your credit to look ok after debt settlement

I am very confused about how to go about this... Do I just walk in and say hey, i need to set up a payment plan. And what to do if they refuse to give it to you. I have 2 Payday Loans I live in michigan One with Check-n-go for 620$ (counting fees) One with advance america for 676$ (counting fees)

I live in Cali and have an oustanding loan with UsFastCash. I defaulted with them back in July. I have offered to pay by money order and they said they are a green company and can only pay by my debit card/checking account. They called me today and refused to accept a money order again. He said I could get a prepaid debit card and pay them and a little thing like this should stop me from paying what I owe. What should I do