Help!!! A.s.a.p.

Anyone?? I am suppose to call them back within the hour and I don't know what to do.

please???

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I agree with Paul.. process servers would not call to say they have papers, they would just serve them.
illegally lenders cannot legally do anything to you.. all you owe is what you borrowed.

Thanks so much for you help, I will try to call them back and get something in writing as to what i owe. I appreciate your help.

CLICK HERE to find out how to deal with illegal lenders.

I have payday loans that are due this friday.... Not sure where to start... I live in Texas and am not sure of the laws.... I am in way over my head. My husband has lost his job and this is just consuming what little money we have and to make matters worse it is just in fees...

Please help!

COntact your bank! Close your account and open a new one. Let them know you had numerous loans from Illegal payday lenders and you have already overpaid them in fees. Also, make sure you close the account, dont freeze it

Is that legal in Texas? I have heard it is illegal and they can press charges.

if you have payday lonas from Illegal lenders, you are only obligated to pay the original loan amount. You can close your account.

I don't believe they are illegal payday loan lenders... not really sure...

were they online or storefront.also if you can name the lenders we can help you find out if they are illegal or not.

Store front - Check-N-Go and Check into cash.

they are legal.

so do I have any options?

if you haven't defaulted then you can get an EPP.(extended payment plan).they would freeze the balance and break it into 3 or four equal payments.you need to see the manager for this,and can't be in default.go in at least one day before your due date.if you have then contact the corporate office,and see about working on a payment plan.

I have loans from Legal payday lenders... do I have any options at all? also, I live in Texas... I just feel like I am pushed against a wall and really need help....

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Out of necessity (after losing 2 of my 3 jobs due to lack of work, & needing to continue to feed my children) I accumulated several payday loans (both internet and local storefront loans) earlier this year. After basically throwing away hundreds of dollars every 2 weeks paying "fees" to refinance, I learned something from my neighbor. She had payday loans locally. When the time came to refinance them she didn't have the money. They did harrass her but she told them she just simply did not have the money to refinance the loans. They eventually told her to just bring in SOME money to pay on the loans. So, instead of going in and refinancing the loans every 2 weeks she simply goes in and gives them money and pays down the loans. She does not sign papers to refinance. So, she is still paying them money every 2 weeks but is actually paying the loans off instead of just paying a finance fee every 2 weeks to extend the loans. I was shocked when I discovered this worked. I was paying hundreds of dollars every 2 weeks (refinance fees) and the loan amounts never decreased. She was paying whatever she could pay every 2 weeks and the loans were going down, AND they were not hastling her constantly. I decided it was a GREAT idea so I dicided to do exactly the same thing. Guess what; I did it too. One payday I decided not to go in & pay the fees. By the way, I did have to close out my bank account, but it was worth it. When they get your checks back listed "account closed" they will contact you. They will probably charge you a $25.00 service fee for your returned check (supposedly for their bank charging them an NSF fee), but it's still cheaper than the refinance fees. Also, your bank can't charge you a fee when you have no account. When they contacted me about the checks coming back I simply told them I didn't have the money to refinance. They just want some (any) payment on the loans. Now I go in to the loan companies, pay 30 or 40 dollars (or more if I'm able) on each payday loan, DO NOT REFINANCE, and I get a printed receipt that shows what I paid on the actual loan and the DECREASED loan balance. Even though it will take me a while to pay off all the loans, at least now I am actually PAYING OFF THE LOANS!!! I'm not suggesting everyone try this, but it is working for my neighbor and is working for me.

Is it legal to do that in Texas? I have heard they can press charges...

[QUOTE=Anonymous;506370]Out of necessity (after losing 2 of my 3 jobs due to lack of work, & needing to continue to feed my children) I accumulated several payday loans (both internet and local storefront loans) earlier this year. After basically throwing away hundreds of dollars every 2 weeks paying "fees" to refinance, I learned something from my neighbor. She had payday loans locally. When the time came to refinance them she didn't have the money. They did harrass her but she told them she just simply did not have the money to refinance the loans. They eventually told her to just bring in SOME money to pay on the loans. So, instead of going in and refinancing the loans every 2 weeks she simply goes in and gives them money and pays down the loans. She does not sign papers to refinance. So, she is still paying them money every 2 weeks but is actually paying the loans off instead of just paying a finance fee every 2 weeks to extend the loans. I was shocked when I discovered this worked. I was paying hundreds of dollars every 2 weeks (refinance fees) and the loan amounts never decreased. She was paying whatever she could pay every 2 weeks and the loans were going down, AND they were not hastling her constantly. I decided it was a GREAT idea so I dicided to do exactly the same thing. Guess what; I did it too. One payday I decided not to go in & pay the fees. By the way, I did have to close out my bank account, but it was worth it. When they get your checks back listed "account closed" they will contact you. They will probably charge you a $25.00 service fee for your returned check (supposedly for their bank charging them an NSF fee), but it's still cheaper than the refinance fees. Also, your bank can't charge you a fee when you have no account. When they contacted me about the checks coming back I simply told them I didn't have the money to refinance. They just want some (any) payment on the loans. Now I go in to the loan companies, pay 30 or 40 dollars (or more if I'm able) on each payday loan, DO NOT REFINANCE, and I get a printed receipt that shows what I paid on the actual loan and the DECREASED loan balance. Even though it will take me a while to pay off all the loans, at least now I am actually PAYING OFF THE LOANS!!! I'm not suggesting everyone try this, but it is working for my neighbor and is working for me.[/QUOTE]

I've never heard of this happening but if it did, kudos to your neighbor.

I just received a phone call from work stating the same issue as what anonymous was saying. He said he was a process server and that he was going to come and serve me at my job today with papers-- told my co-worker that I had to charges that were going to be filed against me and that I needed to call 1-866-610-3540. I live in Texas and I would like to know what the legalities are concerning unpaid pay day loans. I have had to close my checking acct. because of the fees they have been charging. I am really worried.. It's 2 days before Christmas and I am scared these people are goign to come to my work and that my boss will fire me.. I don't want to go to jail.. Thank you for you help..

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