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Basically, my government student loans have defaulted gone to collections (DCS). They are claiming that I have been 'approved' for waged garnishment, although when I called the Department of Education, they said a letter has not yet been sent to my employer. Apparently that is the deal breaker. I am willing to make a montly payment, around $100/month. I have $11k principle, $2k interest and $3k in 'collection fees'. Basically, can you suggest the best way to handle this?

Does anyone know if Sallie Mae has a grace period for student loan payments? My payments are due on the 28th, but I don't get paid until the 30th, so I'm paying them online on the 1st, a few days late. Will I get charged for this? I don't have the cash to make a double payment to get ahead of it. Does anyone know how late your payment has to be before they will charge a late payment fee?

Good Morning: There seems to be a good store of knowledge available on this site. Payday loan question--does anyone know Payment Direct and do you have an address? Thank You.

Do you need to go through the process of ACH revocation if you have closed the checking account associated with the pdl loan ? If so, what is the full process ? What are the telephone numbers to call to make the revocation ? In my case, 2 of the pdl have used different names on some of the debits. Does this make a difference? Thanks for you response.

Hello. I am so glad to have found this site and would like to have some input regarding my situation. Years ago I foolishly fell into the PDL trap with 3 loans: 2 from Payday One (under mine & my husband's name) & 1 from Cashnet. I'll have to research the amounts. I think it might have been $1200, $900 & $1200. I had pd over & over into these loans for a couple of years until I finally defaulted (in '07 I think). Sent letters explaining situatons to all 3 and asked to receive communication via email or USPS only. Haven't heard much from Payday One (knock wood) except emails.

Thought it might be nice to see States that are fighting for us. the part that stood out for me the most (even though I am in cali and not WV) is "it is not a crime to be poor". we here need to remind ourselves of this. and I am hoping our state will follow some of these others in fighting these true criminals. http://www.timeswv.com/business/local_story_326044952.html

I took a payday loan with Ace Cash Express I got behind in bills so I could not re pay the loan I had with them. what do i do ? can i go to jail for this? i will be honest he did scare me.

All, I need some advice from folks. I have taken out numerous PDL because of a habit I was feeding. I have paid some of them back (about 3 already) but there are still about $2000 work of PDL out standing. They keep raiding my Bank Account and now it is overdrawn by $790 dollars. I have since opened another account with a another bank because these PDL will keep collecting until you do not have a roof over your head (so you would take MORE LOANS). Anyways what advice do you give?

we have payday loan with these poeple and in deep ... we need help with them. we are in indiana 500fastcash ameriloan and wagefast mycash now panam loanpoint

your website says you are BBB accredited, but I am unable to find you on their website. What is it listed under?