will someone please help????!!!!

First, you need to get control of your finances back. Talk to your bank. See if you can get these blocked or (what many of us found was the most beneficial) close that account and open a new account.

What state do you live in? Are these store front or internet PDLs? Also, what are the names of the companies? If you provide us with this information, we can help.

I have already opened a new checking acct in our names and they still keep hitting us with NSF fees totalling 220.00!! Also, these PDL companies are local companies. And- we are from Indiana.

The names of these PDL companies are Allied Cash Advance and Cash Tyme

Jeannie if these are storefront you will have to try and reach a payment arrangement with them. Payday lending is Legal in your state. Go to www.paydayloaninfo.org and look up state laws. Storefronts are usually legal. If they are internet check to see if they are licensed to do business in your state. Either way send in complaints to your Attorney Generals office. Best Wishes Keep posting and let us know how you are doing. KYSIDE38

Thanks for the info kyside. These are storefront pdl's. I went to the website above and they are legal as you have said. It also stated that there can be no criminal action taken and only 20.00 worth of NSF's are allowed. So, would my next step be to try and make a payment arrangement with them??

Yes, you will need to work with them to make payment arrangements. Be firm with them on what you can afford.

Storefront lenders generally are more fair to work with than the online lenders. Online lenders are scum--Stay far far away from them.

Sorry it took me so long to answer. Do as Jessi says and make payment arrangements. Do only what you can afford. Hopefully they will work with you. Best Wishes KYSIDE38

Also, it's if you close your account and open a new one at the same bank, the NSFs will continue because the bank links the two accounts together through your social security numbers.

Not always true Debtfairy. I closed my account and opened up a new one. My bank was great. Blocked all ACH transactions and paper checks from these vultures. KYSIDE38

You have a good bank then. That was my experience with two banks, U.S. Bank and Zions Bank. The Zions account was an fbo account for my son opened by my daughter. I was just a signator on the account. I had a different account with Zions for myself. When he let the account go bad, they credited the fbo account from my account.