I fell into the online payday loan hole , how do I

You need to provide more information (how much, name of company, etc) before they can answer you.

Which state do you live in? Who are your payday lenders? Unless you provide answers to these two queries, it will be difficult for us to help you.

Nevertheless, you can check out your state laws from the given page: http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html . If payday lending is legal in your state, then you will be liable for paying the principal amount that you've borrowed and also the fees and other finance charges. In such a situation, you can go for the option of payday loan consolidation to get rid of your debts.

If payday lending is illegal in your state or if your payday lenders are not licensed to operate in your state, then you should check out the given page in order to know how you can deal with illegal payday lenders: http://www.debtconsolidationcare.com/paydayloan/illegal-pdl-dealings.html

I live in the state of California
my outstanding loans are:

Anasazi - $ 325.00
Namakan- $ 400.00
Advance me today- $ 400.00
Paradise- $ $390.00
American web loan - $ 600.00
Eastside- $725.00

all loans are E-loans

Thank you !

Hello , I posted my loan amounts , no one is replying . I just dont know what to do !

Contact Langhorne Debt Solution in Langhorne, PA. They specialize in payday loan settlements. They can help you. They helped me. Good luck.

hello I have listed my loans , also I am going to close my Bank account do to a scam that has my bank numbers , s.s. number that is scary ! I do live in CA and im not sure what to do after I close my account , I read other post and it looks like I need to send out letters ?

well can you recall how much was debited by each lender thus far?ignore the post above.langhorn is in bed with alot of internet lenders and will work for them as much as you.now being as every lender you have is illegal in CA you only owe the principle.anything debited gets deducted from that.example:

you borrowed 725.00 from eastside.the debit 160.00 three times.you only owe them 245.00.that is just an example,but now you see how it works.you are doing the right thing in closing your account,but try to recall the amounts debited by each lender thus far.then we can see what you truly owe.

Thank you for the reply ! I will have to go back and look to see how much was paid , but I do get the idea. By reading the other post it looks like I should send out the letter stating that they are illegal ? thanks again

I sent a letter the eastside and this is what I got back - Help ?

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[COLOR=black]Dear Jack[/COLOR]

[COLOR=black]East Side Lenders is responding to your correspondence regarding the above-captioned account. [/COLOR]
[COLOR=black]East Side Lenders, which is located in Delaware, is licensed by the State of Delaware to make small loans. All such loans are approved and funded in Delaware, with repayment to be made in Delaware. The East Side Lenders loan agreement and website contain all disclosures required by Delaware and federal law and make it clear that all transactions are governed by Delaware law. On the advice of counsel, East Side Lenders maintains that the choice of Delaware law as controlling in the loan documents would be upheld, as all of the significant contacts in the loan transaction occur in Delaware. The loan agreement is legal and enforceable. In responding to your correspondence, East Side Lenders notes and reserves all available legal and equitable objections to the points you have raised.[/COLOR]
[COLOR=black]East Side Lenders provided this service as a convenience to you. We still consider your loan to be outstanding and are prepared to go to arbitration as provided for in the Loan Agreement between us. As an alternative, if you are experiencing financial hardship, we will be happy to speak to you about payment arrangements through which you can successfully meet your payment obligations. East Side Lenders will consider doing so because of our continuing commitment to servicing our customers and not because of a legal obligation to do so. [/COLOR]
[COLOR=black]Should you have any further questions regarding this matter, if you wish to speak about payment arrangements, please contact us at (800) 689-5603.[/COLOR]
[COLOR=black]Sincerely,[/COLOR]
[COLOR=black]Customer Service[/COLOR]
[COLOR=black]East Side Lenders[/COLOR]

all of us who have dealt with eastside got that as their first response(your truly included)it is absolute BS.your state law prevails.if you haven't filed an AG complaints against eastside yet do so.they are illegal in CA,and just about every other state despite what they think,or want you to think.

Thank you ! I will send the letter to the A.G. . How do I respond to eastside , do I call them , or just not reply ?

just email reply.that should do.never call them as they just want someone to argue with.again an email reply will do.

here my 2nd response for eastside
[COLOR=#1f497d] [/COLOR]
[COLOR=#1f497d]You did not borrow the money from California, you borrowed on the internet from Delaware, you pay back Delaware so you are governed by Delaware laws. You have made several loans from us so its obvious you know the rules. Our license number 8673. The letter you sent is a standard copy from the internet. Please be aware you are still responsible for the money you borrowed.[/COLOR]
[COLOR=#1f497d] [/COLOR]
[COLOR=#1f497d]Thank you[/COLOR]

oh please.they are something else..literally.reply this way,or like it.


oh really?so you are gonna extradite me to delaware?don't think so and my state won't enforce it either.i am filing an AG complaint against your illegal lender.btw any further email nonsense will be forwarded to the AG'S office as part of that complaint.unless you can come up with better than that.i will not correspond further in any way.


anyway that is how i would respond,and i would file the complaint and forward anything else to your AG.it's a complete waste of your time to engage them further.

Thank you for the advice !

it's totally my pleasure to help.do keep us posted.