I recently fell into the spiral of payday loans, as well. It started with one to help me with moving expenses. And then another, and another..to the point that I have 5 now. I never intended it to get that far but when I was really broke and had nothing to my name and no one to borrow money from, that was the only option. But now, between the five companies, they are deducting $910 per month and NONE of it is going to the principle on the loans.

Does anyone know the fax number for FSM Processing so that i can get my letter out to them and try to get a refund Thank You!

Happy Fourth of July from Plymouth,Massachusetts!

I did a search under "Loan Consolidation" and researched several companies - but nobody will list under the FAQ section anything about fees or fee structure. What could I expect regarding fees... fixed amount or sliding scale?

Ok guys... I'm going into chat tonight at 7:30 pm Est!! Let's get some new people in there. We always have a really great time..Things get pretty hysterical in there. Anyway, I hope to see some of you guys!

Hi everyone! I hope everyone has a great fourth of July! I know I'm having a great time not working for 5 days!!! And for those of you doing fireworks...Try the diet coke/mentos thing. Take a 2-liter of diet coke and dump an entire package of mint mentos in, and get away fast. It's a lot of fun!

Hello everyone, It has been a short while since I have been on here.I recently had an experience with someone using my information and gaining credit then not paying it. Now here is the funny part. The company located me and called to collect. I explained that One: I did not live in the vicinity of the alleged debt ever! Two: the social that they have has been inverted and not mine. Three: I never received services from them. and Four: I was not the person they were looking for. Low and behold, I get a collection letter and nasty phone call afterwards and go through the ritual again.

I just received a lovely email from ameriloan refusing to mark my account as paid in full. They are willing to settle. Honestly, I can't decide if it is worth it to fight them (they're not licensed in this state, and have charged way too much interest even if they were, and have rolled my loan over six times...) or just to pay them what they think I owe ($80).

I am lost in cash advances and would like some help on how to get them paid off and to survive. Please someone help me. I am so tired of worring and crying my eyes out over this mess i have gotten myself into. Thank you!

I just found this about Kentucky's payday lending laws: Payday Lending is legal in Kentucky. If you choose to apply for a payday loan in the state of Kentucky, there are a few things that you should know about Kentucky's lending laws. Your loan period can range from seven to thirty days, and the loan amount can be as much as $500. The interest you pay can be as much as $15 per $100 borrrowed. Therefore, if you got a $500 loan, you would pay an extra $75 in interest for that loan. I still cannot find out if my lenders are licensed or not.