I could use some input. I have about $40,000 in credit card debt. My credit scores are excellent and I have not missed any payments yet. The problem is that I will soon be facing a major cut in my income (50%) and I know I won't be able to keep making the payments on these cards. Just the minimum payments have almost $1000 going out every month right now for these credit cards. I want to be pro-active and lower the monthly payments before anything goes delinquent. I contacted my credit card companies and they said they can't do anything to help.

Anyone know this number 1-866-616-3671. I called it and someone answered "hello may I help you?" When I asked what company she asked for my SS #...Any help would be wonderful!

Hi All: I am stressed out by these PDL company's (Storefronts) that have been debiting checks although i am on payment agreements to re-pay and have kept up.....Now i am being evicted out of my apartment due to being late trying to balance things financially. I have thought of closing my account as i have more than 27 NSF's that have hit my account in the last 45 days, thats $864.00 total. Only issue is, i have very very bad credit (which i am working on as we speaK) i cannot get loans from banks or even CC's for people with bad credit. Its a horrible place to be.

I have been receiving this number on my cell phone at least twice a day....has anyone else had this number show up? 1-801-999? It's not even a full phone number!

Ok, I need some advice here. I have a past due internet/cable bill for $172 that if it isn't paid by 6/22 will be sent to a collection agency. I have switched services to a cheaper/better carrier, so this is my final bill from this company. Then I have a gas utility bill that is $536, but I just have to make a $190 payment this month on it. Then I have 2 credit cards that are overlimit, but only 1 which I am really concerned about because it has excessive fees, and I have to pay $477 to make it current again.

Ok I closed my checking account not in time for them to take out $494 but I have enough to live til my next pay check. I opened a new one. Now what do I do? Will they start calling? I did email one yesterday and told them that payday loans are illegal in MA and have not heard back. Should I send a letter to all of them now? Can they garnish your paychecks?? Here is the loan information: ameriloan ($300) Paid 270.00 United Cash Loans ($300) Paid 270.00 Second Wallet ($250) Paid 225.00 Apollo ($300) Paid 180.00 Arrowhead ($300) Paid 180.00 9Total Lending ($300) Paid 180.00

ameriloan has sent me an pif letter. Yippee... :D

I live in FLorida Does anyone know If i can be prosecuted for closing my bank and opening a new one. I have paid more that 90.00 every other week for 3 months to six PDL companies for an intial loan of 300.00. I figured 90 x 6 = 540.00 per loan, and they are not even paid off. They threatened check fraud. HELP!!!! I anm a nervous wreck. I have others that want my new checking account and routing numbers I am nervous about giving out that information. WHat can I do?

how to get out off debt with payday loans

I have PDL that have made my life hell. I cannot contact them to get a payoff. Has anyone heard of B&L marketing? I also have other PDL's that I am in the process of paying off ASAP!!!!! WHat a rip off. Some have agreed to settle on the initial loan amount. THey threatened to charge me with check fraud!! I asked how, he said I should read the contract. I had to close my old bank account and open a new one so I could regain some money in order to pay them off. THank you for all the great messages on this board. I only have 4 more to payoff. NEVER AGAIN.