credit union loans

This is something I've heard a lot about lately. Please..Don't do it. Look at every option you have before getting this loan. Yes, they're friendlier than payday loans, but still very very ugly..And expensive. I understand the situation you're in, and I know you feel up against it, but another loan probably would only make things worse.

well i gotta do something. i need to pay off my pdl's and my personal loan before something even uglier happens. so i dont know what to do right now. this has me so stressed out and depressed and i dont even sleep, i dont eat i just have no clue im at me wits end!

Oh gosh, you sound just like me 6 months ago. Ok first of all..relax. remember, there are worse things in life than being in debt. Next, prioritize...Sounds like the pdls are the least of your worries..Make sure utilities and such are paid first. Then..Call your loan people. Look, people are late all the time on payments. If you're up front and honest with the creditors, they'll be more willing to help you.
Please don't panic..that only clouds your judgement and makes things look worse than they really are. Good luck, and we're here for you.

my bills will be paid i still at home but i need to be able to pay back before my family finds out. thats what i worry about that i wont get paid back everything and my family will get calls or i'll get sent to court what worries me the most is the money i owe a person the $4000 dollars.

Talk to your bank if they can offer you any financial help. You can also try for a secured card if that helps in your case. Banks are willing to help those who have a healthy business relation with their customers. Give a try!

right now my bank can't help me cause i have a loan with them for my account cause it was in the negative.
and i have a loan out for the paying of my over charges its not much but i aint got the money to pay my over drafts ect ect

i just dont know what to do i just feel like crawling into a hole and never coming out.

If you bury your head in the sand you won't be able to help yourself..Maybe you should consider talking to your family about this. I know how difficult that is, beleive me, and you might say you can't, but you can. telling them will take some of the weight off of you, and they can help. Even if they're angry with you they'll support you. Everyone makes mistakes, big ones, and sometimes people will surprise you.
Getting in financial trouble sucks. Bad. I know that, and so does everyone else on this board. But things are NEVER as bad as you think they are. You do have options, you just have to find them. I don't know what your debts are, but have you considered a consolidation program? That could help. Just remember, any kind of a short term bad credit loan is going to have sky-high interest rates, this can only make things worse.

i know i just hope i can find someone with good rates to help me consolidate but i gotta get off boards i gotta go to work. hope we work really late tonight. thanks for all the info. and anymore is appreciated

We're here for you.

ID crisis--

What companies do you have PDL's through right now? Are they online companies? Chances are we have dealt with them and can let you know the best way to handle each one. There is a core group of us here that have A LOT of experience in this matter.

Let's find a solution better than getting into more debt.

Also the PDL's aren't likely going to contact your references immediately. If you deal with them quickly and correctly you can handle this on your own, I promise.

Oh, and cheer up! :) It will get better.

payday select, united cash, one click cash, fsm processig, route 66 funding, ten dollar payday, i think thats it.

Ok all of those are familiar to us.

What you need to do is go to your bank first thing tomorrow and close that account, and open a new one. That will keep them from debiting your account. Then you need to start calling each of them. Do you have phone numbers for them? If not, I'll help you locate them.

right now my account will appear closed to ach debits cause i have a hold it til i can pay off the negative balance cause of the pdls

Ok, well that's a positive start. Are your paychecks direct deposit, or do you take them in yourself?

i take them in myself-got out of the direct deposit when i kept losing my checks to the pdls.

Ok then at least you don't have to change direct deposit info.

My advice would be to open a new account, and deposit your checks in the new account. Don't give the account information to ANYONE. Preferably at a new bank. You'll want to pay your NSF fees with your current bank off as soon as possible.

Have you written down how much you've paid to each lender? Which state do you live in? (I know you've prob. told me, but I have the worst memory ever) We need to find out what your state allows as far as interest/fees on PDL's and we'll use that to make arrangements with each lender.

This is the hardest part, and I promise after this it gets better.

i live in oklahoma and no i have't wrote it down but paydayselect sent me an email every time i paid down on it.