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Hi, I currently have (2) PDL's out with Sandpoint Capital and Ace Cash Services. I am being hit with a finance charge of $90 every two weeks from both companies and it is killing my funds. I want to get out of this cycle and work out a payment plan to give them back what I owe, however I don't want to get in any trouble and need to know the most effective way to handle this. I live in CA and my debits are set to come out this Friday, 9/25. I am also getting paidvia direct deposit this Friday so I cannot close my account yet... Please help!!!

I've heard a lot of commercials on the radio, and seen some TV ads as well, for groups that do settlements on taxes owed to the IRS. Generally these commercials present themselves as a bunch of ex-IRS employees and/or attorneys that know how to make the IRS settle the taxes due. I'm curious if anyone has ever used one of these firms or tried this? I'm not likely to qualify for the insolvency on my credit card settlements, so I will probably have a big tax bill due this next April. I'm just trying to think ahead so want to know more about this, if anyone has something to share.

Hi, I took out multiple payday loans to pay a bad rent situation, and I can tell I'm about to get in way, way over my head. I can (barely) make the automatic deposits coming out on my payday- and the next payday, I won't be able to cover all of them. What should I do next?

:confused:I need help with my debts, a friend suggested "www.agiledm.com", but I'm not sure if they are a legimate company or will try and rip me off. Any advice?

Ok, so I received a letter, at my employer's address, today from paydayonline.com. They are saying that my file is being transferred to their legal department and a civil suit will be filed within five days of the date of the letter, plus they added $120 for an NSF fee and $50 for court costs to my total. Has anybody dealt with them before that has any advice? I could care less if they try to sue me I just wonder if they are serious and I need to hire a lawyer or are they a company that just likes to make threats.

I have 4 outstanding pdls: 1. Webpayday borrowed $575 paid $1200 2. Ameriloan borrowed $200 pd $120 3. United Cash Loans borrowed $400 pd 240 4. Cold Cash borrowed $400 pd $200 I have since closed my account to stop the ACH debits. After paying this, webpayday said I still owe them $450, but are willing to settle for $350. Bull-hickey. I sent them an email this morning stating that pdls are illegal in NY and I won't be sending them another dime as I have overpaid already. I also sent an email to Ameriloan, stating I will only pay the principal. I have not contacted UCL as of yet.

Hi, I am one of the silent readers of these forums. I have a car that is not in my name and I am paying for it until July 2011. The payment shows in my bank account for $410 a month. I am filing BK7 in next few months because my salary got cut to $2100 net (from $3100) and I owe $48K in cc debt. How will this car issue affect my case? Thanks in advance. TJ

I'm not behind on any of my bills, just don't seem to be making a dent in them as fast as I would like. The rates are not excessive either. Anything you can do for us or should I just keep trogging along getting barely anywhere?

I want to thank this board and those on it. I think you provide a great service. Here is my problem. I took out a payday loan with Mycashnow.com in July for $640.00. Since then I have paid them $930 with $320 remaining on the loan. After visiting this site, I talked with the Maryland Commission that you guys recommended. She was very kind and told me that I should not pay them another dime since they are illegal in the state of Maryland. In reading some of these threads, if I close my bank account, how much harassement am I going to be getting from these folks?

We are seniors and have large credit card debt. Due to illness and loss of income we can't pay them anylonger. Our only income is SS and a very small pension. All we own is the trailer we live in, a car worth about $1,900, and an 11 year old camping trailer parked in NY state. I have MS and have to get out of the heat a couple of months in the summer so we stay there. We live in Florida 10 months of the year and that is our state of residence.