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Debt Consolidation Forums Payday Loan help forums

Trying to get these pdl pd, but not getting anywhere...

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I am really stuck in a rut. I thought i could start paying there, but now, i dont have any $$$. my acct is in the negative and my husbands check was put in this morning...
I was wondering if one of those pdl consolidations would would work and are they worth it. do they take care of them for you and you pay them how does it work!!
I have my house payment that was due on the 1st and still not pd and not able to pay till next wknd, hopefully they will be ok with that.
ameriloan came back through BBB with a third response and they are down to $80 to pay them off instead of the $160 they wanted, but they want it by monday!! HELP, i want to get rid of them but obviously cant!!
I also was to pay checkngo online today for a third of the payment this was my second time i rescheduled and i dont think they will help me anymore!!
I am in a HUGE hole and cant climb out. My husband is not getting a check in a couple of wks due to a vacation next, he got that check last wk and got us caught up on bills. I am sooooo scared and upset. I need a couple thousand $$ to get out of my hole and back on track.
Any and all suggestions are welcome!!
Thank you all so much, you are all so supportive
wendy




Just to add a note. I did contact checkngo online back and they are willing to work with me, they are letting wait till the end of the month to make a payment, but they want at least half which is over $300, so I will scrimp and save to get those funds!!
Thats a bit better, i know still just putting it off, but thats better than nothing right now!!
thanks
wendy

Sub: #1 posted on Fri, 09/05/2008 - 10:52

wendylynn93 wendylynn93

(Posts: 195 | Credits: )

Which companies are you dealing with? How much did you borrow and how much have you paid?

Someone will come along and tell you if you over paid or not or if they are even legal most pdl's are illegal except for store fronts like Check-n-Go so you have to work with them.

Don't worry there are ways out of this with a bit of time and work...For now you should should think about closing your bank account to safe guard your money and re-open a new one. If you can't then contact the "ACH" department of your bank immediately because it takes 3 working days and ask them to block the "ACH" debits at a "company" level for each company - that way they cannot debit for any amount. But, first you have to send each company a letter stating "cease and desist, "revoke ach debits", and any "voluntary wage assignment" that you may have signed immediately. You can fax, e-mail, or send certified mail all are valid ways of communication. Fax and e-mail seem to work best.

Please read other forums - and find some comfort and you can overcome this. Good luck~

Sub: #2 posted on Fri, 09/05/2008 - 19:43

ksando44 ksando44

(Posts: 67 | Credits: )

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