Dear Friends It gives me great pleasure to inform you all that bingonut's answer in  QOM ( Do you really think that personal budgeting is the best way to save dollars? Is it a myth or a fact? State your reasons) contest has been voted as the best answer in QOM contest no. 58 for the month of March 2013 Congratulations bingonut :)

been pay 800-9oo per month and cant get out of debt need to pay lower monthly payments

What is sgq ltd phone number?

i currently have 8 payday loans, totalling $800 dollars a month and I cant seem to get ahead on them.

Is alliance online/cornerstone illegal in new york . I borrowed 400 dollars. Do I have a right to pay whatever I want per monthly. I don't know why I borrowed from these people. If these payday loans refuse the laws of my state then what do I say. I should have every right to pay them back only principal amount on my own terms.

I'm at the 90 day mark with my creditors. I had a debt management program (DMP) that I had to stop paying because my daughter was defaulting on student loans that I cosigned. I'm now paying Sallie Mae and not the DMP. I have a Sears card that I'm paying on and I have a PNC bank card that I'm paying because they gave me 4%. Also 2 cards that are under $500, and I'm trying to pay them off. I have an open Bank of America visa that I'm also using and paying limit is $3000. I read that creditors negotiate after 90 days, but what I read on this forum looks like 180 is the norm.

I started looking up the interest rate laws, as i plan to offer to pay back my loan with the maximum interest rate for my state, and i came across this, thought it might be useful maximum interest rates by state

I have had payday loans in the past. Yesterday when I checked my bank balance there was a debit for a company called Loan4Utoday in the amount of $30. I have not had any payday loans or applied for any in quite some time. I have no idea who or what this company is. The website says they are not a lender. I have tried repeatedly to call them and when my call becomes the 6th in line, the phone line goes dead. I tried a different approach on the phone but was only able to leave a message but never speak to someone. I have sent them emails with no answer.

I got a summons a month ago to appear in court in a few days. I tried calling the volunteer lawyers several times but no one got back to me. I can't pay the debt that I owe because I'm on SSDI And just don't have the money to pay them. If I don't show up what will happen? I'm scared to go and am afraid they might put me in jail. It's a debt if $3500. Please help. Thank you.

I am in the middle of a divorce and my income has been practically cut in half (i was luckily the breadwinner, but not by much). I am now trying to get out of this mess that I got myself in with installment loans and payday loans, and I need some advice.