Stumbled across this forum in a desperate search for help and I'm posting for some advice. I live in NJ and I currently have 7 payday loans (down from 9). I fell into the trap and ended up needing to get one to make ends meet because of the others, justifying it that I would pay them off when my tax return came. Well, my tax return came and went and I only got 2 paid off and now I'm in deep trouble.

I was contemplating accepting the services of nationwide debt direct llc. If they could reduce my debt to various creditors by 60% via bundling it with other people's debts and negotiating on my behalf i was willing to take it even if they are making money off me - i would still pay less monthly than i do now and be free of it in a reasonable amount of time. However, upon Internet search I uncovered certain level of dissatisfaction with their services. Please advise!

For the benefit of others will post my progress on getting out. So far I have revoked ACH with American Web, Integrity, Castle and Advance Me Today. I closed my bank account and opened 2 new accounts, one at the local credit union and one at another local bank. I changed my DD to the new account, received confirmation that my check with by DD into the new account on Tuesday.

Delbert Services is now trying to collect for an illegal Western Sky loan being serviced by Cash Call. I have paid over $1,100 over the principal amount and have been battling with CC since August 2012. They claim I still owe over $2,500 in principal and have passed it off to their in-house collection agency Delbert who is now asking for over $4,100. I need a very strongly worded letter to reply to Delbert Services' dunning letter. They know I dispute it, CC knows I dispute it and WS knows I dispute it.

A man from TAC and Associates called my employer yesterday and wanted my home phone number and threatened legal action to my employer. They claim I defaulted on a loan from ACE cash express. I don't ever recall having a loan from ACE cash express! What to do?

If I already have a judgement against me and my bank accnt has already been levvyed, can they keep all the money in my accnt? In the state of Texas.

payday loans will not go away zip 19 will not let you roll over , but will let u reloan the next day. the others i deal with keep taking and taking and taking how legally can i make them stop been told to close bank account they cant come after you since they are illlegal in florida

Hey, I received a letter from National Credit Adjusters yesterday stating that they had bought my account from payday one. We defaulted on payday one two years ago. It states that they bought and are assuming all rights granted to the original creditor. All Obligations you agreed to and incurred wtih PayDay One of Delaware are now owned by NCA. I live in Tn. and I know that the internet loan was legal.... Do I ignore this letter, or do I need to send something back to them.... they say that I woe them 1532.00 but are offering me a settlement of 800... Please help....

I am a resident of mass is it ilegal for payday loans to be taken from my checking account

Hi, I have been following the steps for getting rid of the payday loans that are illegal in my state (Texas). I received push back from Hydra Fund with the following email. What am I suppose to do now? What do I say? Dear Mary Douglas, February, 20 2013 Hydra Financial Fund I is a financial services provider duly registered under the laws of the Commonwealth of New Zealand .