You guys have a lot of good advice...please help!

welcome to the forum MC,if you tell us what state you are in
we can help further.

lI am in Illinois

being from IL,i can tell you that your internet pdl's are most likely unlicensed,therefore illegal.you only owe the principle on those loans.check-n-go i'm afraid you will have to work out something as that is an installment loan.one more question.

who are the internet pdls
how much borrowed from each
how much paid total to each.
please supply that information.

Internet pd loans from
Payday one-500.00-paid over 400.00
My Cash now-500-paid 0
Quick Click loans-1000.00 paid 300
How can I work anything out with Check n go if they won't agree to a payment plan?

the situation with check-n-go is it is an installment loan.different rules apply.unfortunate it is,but the internet loans
you can pay at your leisure.here is what you owe each.

paydayone 100.00
mycashnow 500.00
one click cash 700.00

i would take care of check-n-go before the above because of
the terms and they can take legal action.you may have to pay
according to your agreement with check-n-go.

Thanks for the advice!!! I will do my best with checkngo.
Any suggestions on what to say to the internet people when they harass me for money?

One more question; once I have paid the prinicipal on the internet loans, am I able to stop the withdrawal's from my account without fear of being sued?

I wouldn't advise you to give out your account information to ANY of these pdl's, once one has the information, it seems like they all do. Pay them through USPS with money orders only.

ACH withdrawals are revocable, so they can't sue you for that. Any legal lender can sue you for non-payment. Pay what you can (as soon and quickly as you can) to prevent them from taking legal action.

If these things default, it usually goes to their in-house collections first. It is there that I have had success in setting up a payment plan with them. If you don't pay them, they (legal ones) can sue you. Your defense if the non-legal ones try to collect/sue is that they are not legal to lend, then, therefore, they have no claim to collect.

payday one and quick click already have my bank info - once I have paid them off the principal, should I have my ach withdrawals stopped? Do I need to let the internet loan places know that I have paid the principal, and due to them not being legal in IL, we are done?

i misread your top post,i thought the internets had no access to your current bank info.if even one has access that is bad.i wouldn't even let them have that,you may have to block this
account too.i don't like the idea of any pdl's having your bank acct.

Would I have better luck with check n go if it went to outside collection? Maybe they would let me set up a payment plan. What check n go is proposing will work for this payment, after that, I will be back to square 1, not having funds for them

Just keep paying them whatever you can. Even if it is $50 every two weeks. If they see you are paying, they usually don't send if off for collections/legal.

Thank you to everyone. This is an awesome site and I am glad to see I am not the only one who has fallen prey to this nightmare. I hope the questions asked and the answers given are helpful to someone else in the future.
You all have been a great help!

:)

Since one of the PDLs does have you current bank account number, you should close that bank account prior to revoking ACH aurhorization. That way you can work on Check n Go first and put off the illegal ones until you have that one taken care of. Read this information about closing your bank account:

http://www.debtconsolidationcare.com/paydayloan/close-account.html

Be careful about revoking ACH until you have your bank account secured. From what I've read in other posts, that may cause the PDLs to take whatever they can get from your account and leave you overdrawn, which then makes it almost impossible to close your account.

That's right, Alias. You need to close your account FIRST, THEN revoke.