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I too am way over my head in payday loans. I can't sleep and haven't paid my credit card bills or student loans or electricity bill. I'm also afraid I'm about to bounce my rent check. Here's my info. I just went over my bank statement and cannot believe how much I have paid on these loans. I live in New York State and have three loans currently: 1. ameriloan took out on 8/5/08 borrowed $400 and have paid $1195 to date! 2. A2BCash.com took out on 6/17 borrowed $200 and have paid $972 to date! 3. This one shows up as "CAN Debits" on my bank statement.

I too am paniced because of a call i recieved to day from David Greico, who stated that I agreed to make payments on a debt and the funds were not available. he told me this was a serious matter and that he has not contacted the officials in my county yet to have me served, but, this could happen. when the person i talked to originally said that i would be recieing paper work with the agreement, i never did and i never recieved any communication from them about having the debt and the amount. what should i do?

Yesterday when I checked online the status of my account with Instant Cash USA it said "sent to collection". Today I checked again and it only says "deny new". They are an internet PDL and they are totally illegal in my state (Maryland) and in many other states as well. What do you think that status means??

Can anyone give me/link me to a sample DV Letter? The CA didn't give an address when they called and I have received nothing at all in writing from them. Should I call them for an address to send the DV letter to or just wait for them to contact me again? Thanks for any help you can offer.

Hello all! I'm a newbie and I'm sure you guys have responded to this topic many times so if you want to point me to a thread that would be great. My deets are that I have four pd loans that are eating me alive. I am trying desperately to get out of them without the checks hitting my account and causing my account to get closed. Is there a way to negotiate with these lenders before the checks get deposited? What options do we have? The PD lenders are Check Smart Quick Cash Check Into Cash Check N Go Thank you for any suggestions

I am about 70 days late right now. This is the first time I have ever been late on any kind of bill. I am astonished by the number of calls I get from Advanta - yesteday I received 9!! I'm a realtor and right now I can't pay anything and I doubt I'll be able to anytime soon. Can anyone tell me what happens as this goes on?? I'm a little scared about what could happen to me. BTW

phone all asking to speak to a supervisor about an employee,they left that phone number said it was about a "legal matter" very nasty.

does anyone have any info on arrowheadinvestments or astro lending i have a loan out with both of them

Apparently these companies [SquareOne, Coastal Credit Solutions, etc] don't have you pay your bills so that you become default and then threaten creditors with bankruptcy on the part of the debtor to get settlement offers and they take quite a chunk of change to put in their pocket. debt settlement will ruin you as much as bankruptcy albeit you will retain your assets and not have the bankruptcy on your credit report. Although, to recover will take you just as long probably.

are they legal