I need help to get out of cash advance debt

Hi PJSWEETS2

Welcome to the forums. [URL="http://www.debtconsolidationcare.com/program.html"]debt consolidation program[/URL] will definitely help you in erasing all your payday loans and thus make you debt free7.

However, I will always suggest you to keep yourself away from these fast cash services as they always drag in the deeper hole.

The trained consultant will be evaluating your financial position, budget your spending by cutting all the unnecessary expenses, negotiate with your creditors and offer you an affordable payment plan suitable to your needs. His all time financial counseling during this program will be helpful for you till you become debt free.

Please let us know if we can assist you further in anyway.

Regards
Roxette

Roxette, How do I get started to get rid of this debt?

Hi PJSWEETS2

Welcome back. You have already taken the first step by filling the online registration form at the sign up page.

Now, you can feel relaxed as the trained consultant will get in touch with you shortly at the contact information you have entered in the sign up page.

He will analyze your financial position and accordingly choose the best payment plan suitable to your needs. We do believe that his counseling will be of great help to you for making you lead a debt free life.

Please let us know how we can assist you further.

Regards
Roxette

Hi PJSWEETS2

Welcome to the forums.

After you register yourself as a member, a debt consultant of your locality will get in touch with you. As far as your payday loans are concerned it can be consolidated into one loan and you can pay them off in affordable monthly installments.
Hope this information will be useful to you

Regards
Mike

[quote=Mike]Hi PJSWEETS2

Welcome to the forums.

After you register yourself as a member, a debt consultant of your locality will get in touch with you. As far as your payday loans are concerned it can be consolidated into one loan and you can pay them off in affordable monthly installments.
Hope this information will be useful to you

Regards
Mike[/quote]
Some of my payday loans tell me they will not work with debt consoladation, is this true or they just saying that?

Hi PJSWEETS2

Welcome back. The consultant might have found a particular payday loan not eligible under consolidation program.

Please try to know the cause of his denial and assure the consultant that you will be doing your best to pay it from your side.

I hope that he might change his mind after seeing the positive sign in you.

Normally, they don't reject any debt unless it has taken the worst shape and goes beyond the point of mending it. But your positive approach might make the difference.

Regards
Roxette

[quote=PJSWEETS2]I currently have 3 payday loans out and I cannot keep up with them. Can you help me consolidate them into one bill that I can pay monthly to get rid of it?[/quote]

Hi, how is your progress on taking care of these payday loans? As you probably know now, these loans are trouble because they saddle you with high interest due to their short term nature. It is like, you are receiving a paycheck for your hard work and you have to give it all ,plus interest to some loan officer. So I hope that your third one will be your last one.

So they said that they cant consolidate. Well ask this person why this is so. Because you are right, sometimes they just tell you they cant consolidate because they don't want to lose money on their loan. Because when they have to re-negotiate lower interest, that means that they lose money. So it is possible that they may be saying that to get their money back.

So find out the details of your loan. talk to one of our counselors at {877-no-debt-8} and present them with the terms of your agreement. They will be able to discern if you will be eligible to consolidate this loan. Don't take this loan officer's word as gospel.

I currently have 11 payday loans and they are all in collections now. i wasnt able to pay them anymore for reloaning once my son got sick and had surgery. my spouse lost his job and now i need to pay back these loans. is there anyway they can be consolidated? or am i just out of luck.

Hi KENYA

Welcome to the forums. You can enter into a free counseling with this website and let the consultant negotiate with your creditors to lower the amount of your debt.

The consultant will be able to cut off the late fees from the total amount and you will be offered easy monthly installments at a lower rate.

Additionally, the debt consolidation program will offer you the following benefits mentioned at this page:

http://www.debtconsolidationcare.com/benefits.html

Regards
Roxette

I need help to consolidate 5 cash advance loans can you help me

I consolidated my payday loans with this company. The consultant working in my program is in the process of getting my debt negotiated with my creditors. I hope I will be able to hear positive results soon.

You can also enter for a free counseling in this website and get in touch with the trained consultant.
He will do the needful work and solve your debt related problems.

i tried to consolidate my payday loans and the counselor with this forum called me and they cant help cuz they cant work with payday advances any other suggestions

Tracy, I asked from my consultant about the problems in payday loan consolidation. He said that this company has network all over the United States and we work with the debt consolidation companies working in our area.

So, I think that few of the companies might be having problems in taking payday loan consolidation. I wish that this problem gets resolved very soon.

In the meantime, you can try to work with your original creditors. Did you get in touch with them? Considering the fact that you are willing to pay your debt, they might come to a settlement.

Do let us know.

I have paid my payday loan at least 4 times over in fees. I cannot afford to have them debit my account for the full $300; I cannot get in touch with them using 800-680-2177. I have left numerous messages in an effort to talk to them. I want to do a stop payment on the ACH debits, but can't have them calling me at work demanding payment. do I involve an attorney - I did collect some over paid fees on another company - I just want out of this

bewildered

Send a cease and desist letter and force the company to stop calling you at work. The fdcpa law restricts the company from calling you after receiving your letter. Please send your letter through certified mail with return receipt requested. Please read more on this thread.

http://forums.debtcc.com/forums/debitting-money.html

I have 5 payday loans out and can not pay them all at once..any ideas how to consulidate them??

Hi Erin

Welcome to the forums.

Many people are going through similar problems with payday loans. Due to some reasons, payday lenders and debt consolidation companies are not coordinating with each other, hence consolidation programs are not easily available.

In such a situation, it will be your best move to talk to your lenders and arrange for a payment plan. Explain your present financial situation and convince them that you are willing to pay the said debt within a reasonable period of time. Most of the lenders work out a plan to ease the consumers' financial problems. Due to your hard times, some of them even reduce the financial charges and the late fees making the total amount affordable to pay.

Try to pay the loans one by one concentrating more towards the large amount with the highest rate of interest. It will take some time but you are sure of your accounts getting paid.

Regards
Roxette

Bewildered,
Same company has done the same thing to me. I have paid the loan back above and beyond what I have borrowed and they keep debiting my account. I finally went to my bank and had them close my account and open a new one. I also had them close my linked savings account and debit card just in case. I have tried to call this company and can never get in touch with them. You can send a letter to them asking them to stop contacting you and than go to your bank. Call them after your account is closed and let them know that you no longer have an open account and will have to pay them by money order. Also ask them for proff of what was paid and how much you now owe. I wish I would have found this site before I took out a loan with them. It would have saved me a lot of time, stress and money.

Samantha

Samalama

Do not send any money until you have got the complete statement showing the payments details.

I put a stop payment on a 90.00 loan fee because I have been paying it for approximately 6 months and want to pay it but have no way to get in touch with them. I did get a threatening phoe call from a collection agency 1 week later saying to get an attorney but still no contact from Access. Of course the collection agency does not have their phone number.

Any ideas Thank you

Quote:

Thank you for your response. I stopped payment on it because I wanted to pay it down for the last two months and had no way to get in touch with them. I have never received paperwork, emails, etc. I called the bank to see if they had a phone number and they did not. I have searched on line extensively for anything related to this company called Access.

How did you apply for this loan, was it an online loan? You can search for them with BBB also.

I think there is another link with contact info of Access on the forum.

I just read some where that Vermont prohibites pay day loans, so why was i able to get one and where do i go from here?

Spam deleted- Jason

Mod, can we throw "Clara Jones" out of here so she can sell her SCAM somewhere else :?: :!:

please let me know how the lawyer works out because you are correct I have paid up the river for all of these fees and it has gotten me no where.

i am interested in getting rid of these pay day loan debts i have, can you help

can you stop the interest on just one payday loan?

thread locked.