Help me get off this rollercoaster! I’m getting sick.

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I just got my check stub in the mail & there is no way that I am going to have enough money to go around to all these pdl places. Plus, EZ money wants me to show payoff today. I don't know what to do anymore. I can't find a place to live or feed my children when all my money goes to these places. I am losing everything! There isn't much more of this that I can take. Constant headaches, sick to my stomach & depression, I am a mess!

I did do some checking to see if Payday Max is licensed in WI and can't find them. Do they go by a different name or are they really illegal here?

Any suggestions? somebody, anybody?

Have you considered filing for Chapter 128?




I'm sure someone more knowledgable than I will be along soon

You can find Wisconsin's PDL laws posted in this thread:

http://www.debtconsolidationcare.com/paydayloan/storefront-wisconsin-pdl.html

From what I've read here, Paydaymax is not legal anywhere. However, store fronts usually are operating legally. I'm not sure about your state, but in some states, if the store front is a member of the CFSA, then they have to give you the EPP (extended payment plan) if you go in and ask for it at least one day before your due date. That would mean that they would break your balance down into four payments and the interest and fees would stop. Maybe someone else will come along who knows whether you can do that in Wisconsin.

As Guest said, in Wisconsin, you can consider filing Chapter 128. You can read more info. about that in this thread:

http://www.debtconsolidationcare.com/paydayloan/wisconsin-chapter128.html

I have lived here all my life & have never heard of Chapter 128. That sounds like the way I should go. Does anybody have any suggestions as to an attorney to go through? My pdl payments are all due tomorrow ($854). I wonder if I can hold them off until next week while I contact an attorney.

Does anybody know if there is there a way that I can get my money back from Payday Max? That $800 sure would come in handy.

Thank you all so much. There just might be light at the end of this very dark tunnel.

(800) 362-9082

This is a lawyer refferal line in WI. They will help you get in contact with lawyers who work with what you are looking for. If you can't afford a lawyer, they have a program to apply for.

I don't know what part of WI you're in...but the bancruptcy lawyers on TV can be a good start too.

If you are able to, open a different checking account tomorrow and close the one you currently have, taking out all of your money.

It will buy you time until you can figure out how to get them off your back perminently.

Frankly, you need to think about those kids. They come first, the pdl's can be dealt with later.
I've lived in WI and had to close an account due to pdl's. The store front ones are pretty easy to deal with.....but before you talk to them....call a lawyer.

I contacted a lawyer and have the ball rolling for Chapter 128. Before I gave him money I made sure he was a member of the BBB & has a satisfactory rating.

While I am out gathering my account information, I will be making a stop at the bank to get my account closed. I think I will be opening an account at a different bank so I am not tempted by the DDA option again. That is as difficult to get out of as the pdl.

When I took out my 1st pdl it was to help pay the rent while my now x fiance was looking for a job. I thought I would be able to get it paid off, but ended up trapped in the cycle. Dealing with my mistake is what brought me to this website.

Thank you everybody for your advice! I will keep you posted with my progress.

When I was reading your loan summary, you had Check into Cash listed twice. Did two seperate Check into Cash stores each give you a loan simultaneously?

Thank you Amaranth! I didn't catch that when I did that.

The 1st Check into cash is supposed to be American Cash 2 Go