payday loan dilemmas!!!

Good luck to you, just contact them and make payment arrangements thats all you can do.

I think I will make an appt. today to see an attorney about filing bankruptcy. I don't know that I will be able to afford it, but the initial consultation is sometimes complimentary. I like the idea of sending the storefront pdl's an email, too. It's not as confrontational as phone calls or going into the stores, yet still acknowledges and deals with the issue. It's amazing to me how much good advice and ideas that are shared on this website! Thanks everyone!!!

Some store fronts are easy to work with but others can be difficult. I am certainly no expert but I dont think BK is that expensive.

bk can cost anywhere from 1500 to 3000 depending on the work involved

Hello everyone!!! Well, the news isn't as good as I'd hoped for, but it's better than it could've been!!! I did see an attorney today about filing bankruptcy, but the cost was prohibitive, and he was indeed the most reasonably priced one in town! However, during the 30 minute consultation, he did indeed tell me I was "judgement proof", and that the prosecutor, da, and county attorney are well aware that there is NO CRIMINAL ACTION that can be taken! And I told him the whole story, too. About the 5 pdl's, the closing of the bank account, everything. He didn't say directly, of course, but I got the distinct impression that pdl's are not very well liked in this neck of the woods!! And of course, the phone calls have started already when I didn't show up yesterday to pick up the checks!! One of them even called my mom's house!!! But as we all know, this type of behavior is a given, coming from them!! Right???!!!

The mentality of some of the pdl's employees never ceases to amaze me! Did they think I didn't know it was a collection call? Simply because they used their cell phone to call?! I just decided to go ahead and answer it, to at least "break the ice", and let them know I can't pay them, that's all!! Well, it's one down, two to go!! This lady said that until they get a case # for my bankruptcy(which I can't afford to file), that I'm still responsible for them. I know that, but do they know if you can't pay...you can't pay? Tell me, who of us in this forum would CHOOSE to do it this way?! Who of us wouldn't pay if we COULD???!!!