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How to consolidate payday loans and get out of debt

Date: Thu, 08/25/2005 - 15:20

Submitted by m_hicks_2003
on Thu, 08/25/2005 - 15:20

Posts: 4 Credits: [Donate]

Total Replies: 254


Can I consolidate payday loans without turning them over to a collection agency? I don't have any defaults, but I'm not making any progress, just paying about $600 a month in interest.


I just signed up with Town and Country Acceptance in Alabama. I don't think we are allowed to post their information here- so go here for their information.

http://yellowpages.superpages.com/listings.jsp?STYPE=S&search=Find+It&SRC=&channelId=&sessionId=&MCBP=true&CS=L&C=town+and+country+acceptance&L=alabama&searchbutton.x=0&searchbutton.y=0

I just signed up with them- and until this upcoming Friday I am current (I closed my bank account so on Friday I will be considered in default). Get your account started with T&C right away- that way you are ready to handle the collection calls. T&C has been really nice- Brook and Melissa are so sweet. It's a reasonable start up fee and I think they should be able to help most people. They work quickly too. They have already sent out my offer letters to some of my PDL's. When you contact them- have your account information ready- like the names of all the PDL's you owe and the amounts. use the search bar here to find addresses and phone numbers too.

Good luck!


lrhall41

Submitted by Ms Nickster on Tue, 06/12/2007 - 18:05

( Posts: 13 | Credits: )


I'm writing in regards to a situation I
have found myself in. My father passed away early February, he lived in
Arizona. Having just moved to a new residence I found myself with no money
to get to AZ from CT. So I took out 2 payday short term loans to cover
this. It was an extremely stupid decision on my part. Since then I've
taken out multiple other ones to get by and pay for the finance fees of the
others. I get paid $444.50 weekly which is directly deposited into my
checking account. With all the fees and other things I'm left with nothing.
I have no where to go for help, things are spiraling out of control and the
stress is killing me. If anyone could help, I'd be extremely grateful.


lrhall41

Submitted by DaGodfasha on Fri, 06/29/2007 - 07:53

( Posts: 14 | Credits: )


I had 17 payday loans so I went with Langhorne debt solutions. I feel this was my best option as they contact all payday loan companies, I did not have to deal with harrassing phone calls, emails, etc. I did not have them contacting my work, family or friends, and this is all because Langhorne knows who and how to contact these companies to stop them in their tracks. Yes, they charge a fee but it is well worth peace of mind and the ability to concentrate on work and other things without the harassment of these companies and $0 left out of each pay check. I encourage anyone who does not have the time or resources to deal with these companies to give Langhorne a try. You can see on these posts that it takes many hours to contact and deal with these people. I want to thank Dennis, Michele, Ana, Mimi and Jay at Langhorne for all they have done for me.

One more thing, they settle your debt for less than you owe not consolidate it.


lrhall41

Submitted by motomom716 on Fri, 06/29/2007 - 08:40

( Posts: 141 | Credits: )


I am so desperate for information on consolodating payday loans that I dont know what to do...I tried to enter my information to join this forum but it was asking for all sorts of debt info about my creditors as if I were applying for a credit counseling service. Is that what this is? I just want to get the information on consolidating payday loans before I have a nervous breakdown because of their threats! Thank You, Desperate & Hopeless....


lrhall41

Submitted by gina.gray on Wed, 09/12/2007 - 09:06

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I got myself into a big jam,with payday loans,I didn't realize how easy it can be,when your in a bined. I really would like to sign up for this if,I could,Please tell me how to do it? thank you verry much.

[color=DarkRed]Email address removed as per forum rules - Mike[/color]


lrhall41

Submitted by on Mon, 10/01/2007 - 07:06

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To relate a personal experience; I turned to a company for assistance on my PDL's. I paid them a 'retainer' if you will; plus monthly fees. There was a savings plan associated with it. For my pdl's they were able to get the companies to accept the principal amount (original loan amount) as payment in full. Had I known of this site; I feel confident in stating that I could have handled my own negotiations and saved money !!!!!!!


lrhall41

Submitted by hvn_sent on Mon, 10/01/2007 - 08:40

( Posts: 218 | Credits: )


:oops: I have been trying to find out how I can consolidate all of my payday loans. I have consolidated all my credit card and personal loans, but they told me I couldn't put my payday loans on there. Is there any help out there.


lrhall41

Submitted by on Fri, 11/02/2007 - 07:34

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I was interested in finding out how to consolidate two pay day loans that are now with a collection agency. They are threatening to pursue action against me. Its not that I dont want to pay them, but I CANT! its either buy groceries or keep getting them rich...what can i do?


lrhall41

Submitted by on Fri, 11/09/2007 - 08:52

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Hi I have 2 online pay day loans i would like to consolidate. I live in South Carolina. They were 4 300 dollars a piece and i have paid 90 dollars rollover fee on both of them please help.


lrhall41

Submitted by pandiej on Sat, 11/10/2007 - 06:57

( Posts: 18 | Credits: )


what a nightmare I can not pay any of my regular bills as they take it right out of my account I never have any money. I am a mess I pay over 600 a week in just the ext


lrhall41

Submitted by lmedina44 on Sat, 11/10/2007 - 08:39

( Posts: 11 | Credits: )


Imedina44 & others: most peeps on the site have had their own experiences with payday loans. It is standard question to ask who you owe; how much you loaned for & how much you have paid them already.
The reason being, the old timers here know which PDL's are hard
**** & which ones you can negotiate with. Please list the info I asked for so we can help you.

[color=Red]****Adult term removed - Jason[/color]


lrhall41

Submitted by hvn_sent on Mon, 11/12/2007 - 06:01

( Posts: 218 | Credits: )


I live in Minnesota. I currently have 4 payday loans out that total $850. I am currently paying $510 in payday loan fees a month. What are some of my options??? Also, I don't think the interest rate they charge in MN is legal.


lrhall41

Submitted by on Mon, 11/19/2007 - 15:04

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Could you have someone contact me about consolidating my payday loan?

Personal contact info removed for your safety - Goudah


lrhall41

Submitted by on Thu, 12/20/2007 - 11:43

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Hi,

I have $4,000 total in payday loans. I need to consolidate them, and pay them off somehow. Please PM me any details you can on who to contact.

Thank you!


lrhall41

Submitted by chilton on Thu, 03/06/2008 - 04:12

( Posts: 2 | Credits: )


I am also stuck with payday loans beyond what I can repay monthly. Can I consolidate? Does anyone know a company I can use?


lrhall41

Submitted by on Sun, 06/08/2008 - 15:07

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I'm not an 'expert' on the 'laws' that PDL's are suppose to follow, but..i CAN tell ya this. When I had to make arrangements on PDL's, they seem "more than willing" to help ( yea, right). NOT telling me they STILL charged % on the arrangements ( even HIGHER %, it seemed, from the 'originally agreement'). You may look into the 'fine print' of the PDL you have and see if you can get information that way. Sorry I couldn't be of more help. However....there are ALOT of 'experts' on this forum..I'm sure they can be of more help.


lrhall41

Submitted by sdchargers_63 on Tue, 06/10/2008 - 03:31

( Posts: 1798 | Credits: )


I, too, am in desperate need to do something about these payday loans. I have some that are in the store and some that are on-line. Can I consolidate both together? Is there a minimum amount owed to qualify?


lrhall41

Submitted by on Wed, 08/27/2008 - 13:23

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I would like the number and name of the company that would allow me to consolidate my payday loans so that I may climb my way out of debt?

Help please


lrhall41

Submitted by on Sun, 09/28/2008 - 15:19

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please help me find the website or phone# that i can call to get my payday loans consolidated. im stuck with 5 and im in a bad situation right now. i dont want to default on them as im very scared they will start calling my work. please pm me ASAP. thank you.


lrhall41

Submitted by magxter on Wed, 10/15/2008 - 08:03

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WHAT IF YOU HAVE DONE EVERYTHING WITH THESE LOANS AND SPOKE TO PEOPLE TOLD THEM YOUR SITUATION AND TRIED TO SET UP SOMETHING WITH THEM. BUT THEY CALL YOU ON A DAILY BASES. I NEED ANY SUGGESTION OR ASSISTANCE SHOULD I PAY THESE LOANS OFF? I LIVE IN COLORADO AND I DO HAVE A FEW LOANS TO PAY OFF BUT FALLEN BEHIND ON THEM AND PLAYING CATCH UP IS IMPOSSIBLE TO DO.


lrhall41

Submitted by tchoyce on Thu, 02/05/2009 - 12:24

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can anyone tell me what are the names of corporation that deal with payday loans consolidation. And if they have been able to assist with getting thier payday loans paid off. Which company do you recommend if I decide to use one. I live in Arizona. Thank you


lrhall41

Submitted by mamaunida on Mon, 02/23/2009 - 15:08

( Posts: 6 | Credits: )


From everything that I read, I can not consolidate the loans unless I default, but I work for the bank where they are taking out the payments. Is there anything I can do other than default to consolidate the loans?


lrhall41

Submitted by on Mon, 03/16/2009 - 19:01

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