I have gotten myself stuck in the payday loan cycle. I have over 7000.00 in payday loans plus including interest. Where do i start to get out of this. I have been reading the post and have contacted my bank about closing my account and opening a new one. I read something about sending out a cease letter to the pdls where do i get this? I am in ohio and i have 5 store front pdls and 4 online pdls. All help would be appreciated.

Hi. I've been browsing this forum extensively on the behalf of my mom. There are a lot of conflicting pieces of information regarding the legality of these loans. We live in California and these are her loans. Cash Call Loan amount 2600 She's paid the initial amount several times over on this one. I figured she'll have paid about 10,000 dollars for the 2600 dollar loan at this rate. Quick Click Loans Loan amount 2600 Has paid about 2880 Plain Green Loans Loan amount 800 has paid 680. Any help would be greatly appreciated.

ok, I am only 23 years old and attending college for my BA. I made my first Credit card with Chase bank and I was ALWAYS on time and I was able to pay EVERYTHING whenever I used it. So, last six months ago, very unfortunate happen in my life... my beloved girlfriend was in a car accident and passed away... and following 3 months later, my cousin died of a car accident as well... and soon after, I got laid off at my job and I needed to take some time off from school to organize my life back on track. So, I did but I couldn't get hired due to medical illness suffer...

I recently filed chapter 13 to save my house. But now I am considering chapter 7 because I moved out of the house How do I switch from Chapter 13 to Chapter 7?

Got an offer in the mail from First National Bank of Omaha to consolidate my credit card bills. Seems legitimate. Anybody else ever get an offer like this in the mail or has anyone ever gotten a consolidation loan with this bank

Allied Interstate was given my school loan - which was supposed to be a Grant. They put it in forbearance-cannot contact them via email or even have two different addressses for them. Tom Peterson is the guys name, and if he doesn't have an arrest record I would be surprised. My social security check is being garnished, and they are not allowed to do that-yet government is doing it. Don't even know where the money is going. I am so upset. Now I also know they have hacked into my email account. Sent letters to the school where I work, and call my house using very weird numbers.

This is a little off the subject of what most of the posts on here are about, but I was wondering if anyone has had to ask for financial help from family to get out the payday loan cycle. I am pretty much at my wit's end with this and I need to get my (legal) payday loans paid off and I can't handle the stress from the harassment from collectors anymore. I can't pay my regular bills let alone the payday loans. I have been offered settlement agreements for some, but I still don't have the money to pay them.

When payday loans go to collections can you still fight them if they are illegal in your state? I'm in Illinois and trying to sort thru a handful of old payday loans... In the last two days I received multiple calls from a company called CTS or aka United Litigation on behalf of Bayside Cash. They even went as far as calling my work and speaking to a manager here who has nothing to do with me. I tried to get them to send me validation and/or give me their address info but all I got was "good luck in court" and then hung up on me.

i have several internet payday loans that I am unable to pay. I am considering closing my checking account and then try to pay them off at a rate I can afford, but I am concerned about whether I would be breaking the law and don't want to get into more trouble. I have Mass Street Group and Seven Group which I owe 300 each to, Dollar Flash 600, Speedy Cash and Cash Central. I also have some in person ones including Check N. Go and Advance America. I just can't get out of this cycle and need some advice. I know I need to pay back what I borrowed, but the interest is killing me.

Is multiloansource legal in Nebraska?