I need help get out my payday loans in nevada

Dixie:

Please provide more information such as how much you owe in PDL's just principal only, are they store fronts, or internet. Someone that is familiar with your state laws (Nevada) will be along shortly to post them for you.

You have come to the right place for assistance.

ladybug

Hi Dixie. Here are your Payday loan laws for Nevada here (just select your state),
http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

storefronts cash box, rapid cash,check city

Please post the other information Ladybug asked you to post. We will be able to help you more with that info. :-)

ive had to roller them over for 5 months terrable

I know. It sounds like you are really ready to be free of them. With the additional information, we can help you.

there all store loans

all storefronts 1,900 total im worried if i stop paying cant afford to be garnished wages

dixie
In order to help you please post the following
who you have loans with
amounts borrowed
the amount paid back to each, add the fees and principle to get one total paid for each
I see you mentioned that they are all internet
Your state laws have been posted, so as soon as we get the info we need , we can start to help you

no there all store fronts i cant close my accounton count of being storefronts

Ok. I see that you also have another thread going. I
need the info that i asked for above, so I can help you. If I can not help you some one will be along who can, but we need the info as asked.

all store fronts can i close my account

all storeloans paying 6 months on big ones interest 700 on moneytree alone

Yes, you can close your account. You cannot get in trouble in your state unless you acted with criminal intent, which you aren't. You just can't handle it anymore.

The first thing you should do is ask the stores about a repayment plan. It's required by law for your state, plus most of the storefronts are probably members of the CFSA, which also requires it's members to let their customers enter into repayment plans. The refi fees stop, and you can pay down your balance over a period of months.

hi ok ill ask for repayment plan i talked with some else also today told me same ask for repayment plan than close it first or after i ask them dixie

yes there lic another question before there due again should i close my account than call them,which first?

can they track down my other bank account diff bank,dixie

im going to talk to bank tom about hard hold on my account dixie

dixie, goudah posted that it would be okay to close your bank account. Doing a hard debit block might be the way to go if you can not close it for some reason. However, some store fronts will tell you that they have to send the check through and get it returned for NSF before they can make payment arrangements. Call the storefronts first. Tell them you can not pay in full and need to make payments. Some will just hold your check until you pay it off and then give you your check back. Others will tell you they have to have the check returned for NSF before they can work with you. Call them first and see what they have to say. Let us know how it turns out. :D

ok should i still put hard hold on it i told one place i cant pay no more interest this week,if i put hard hold they cant put check through i cant affored bank fees

dixie, I totally understand. You don't want any NSF fees on your account. Putting a hard debit block on it would do it for you. The check would be returned to the storefront. And I'm not sure what it would be stamped as. It wouldn't be NSF. It might just be returned with nothing stamped on it. They'll just get it back. You might want to try that route until you get your storefronts under control. This way the checks won't be put through causing NSF and also it might help with making payment arrangements.

ok ill go bank tom get hard hold on acc for now close it later ill let you know thanks dixie

dixie, just let us know how it goes! If you run into any problems, just let us know & we can help you out! :D

i had hard freeze put on my account it least i have one loan going into default tom any sugustions dixie

i had hard hold on it ill call rest stores this is bad

dixie, okay. You got your bank to put a hard debit block on it? Is that what they did? Why are you saying this is bad? It's okay. Just contact the storefronts. I know it seems ugly, but it'll be okay. Post if you need anything.

yes its good im going to contact the rest tomtellthem i need a repayment plan dix

dixie, good! Please just inform them that you intend to pay the debt in full. You're just unable to pay in full. Please post as to what the results are after you speak with them. Remember to speak with the manager, okay?

hi ok ive talked 3 today talking mangers too ,do i need to write any letters as far as wage garishment worry ,dixie

dixie, don't worry. We'll help you! What did the store managers tell you? Were they able to set up payment arrangments? Or what happened when you talked to them?

no not yet 3 places i told i couldnt pay no more at time ,they said put checks through after 2 days i didnt mention the account being hard hold ,i have more to call tom too ,they said my fees wont stop no payment plan yet what should i do next thanks for the help i really need it dix

what kind of letter do i write to my employer i dont need wage garnish i cant afford that with 8 loans horrablehow do i go from here there not offering no plan yet

dixie, if these storefronts are not willing to work with you regarding a payment plan, then you're going to just have to default on them, as much as I hate to say that. They stated that they have to send the checks through. Well, they're going to get their checks returned by your bank. They will then attempt to contact you regarding payment. You'll have to tell them again that you can not pay them in full. There is no way. They should either then (since they were turned in and rejected by your bank) be able to work out some sort of payment plan with you - or they will tell you that they are turning it over to their corporate office or collections office. If that is the case, they will contact you. You can then make payment arrangements with them. However, which ever direction they take you, if you do set up payment arrangements, please stick to the payment arrangements. Don't agree to pay any more than you can afford. Because if you set up payments and you defualt on the payments, they can then take further action, which just might include wage garnishment. So wherever they end up once they're returned by the bank, try to set up payments that you can afford and stick to those payments. Don't promise more than you can afford. And keep the payments up so that the storefronts don't take it any further and proceed with action regarding any kind of garnishment.

Cannr, pop in if i am wrong, but if the store front is a member of cFSA they must work out a pay plan. This has to be done before default.

Well, I can't promise anything regarding the CFSA. We found another member who tried the CFSA because her storefront name is a member; however, her state does not have CFSA in place yet. So it's not in all states. As a matter of fact, the first sentence regarding the CFSA states: "Subjust to applicable state laws...." so I'm taking that to mean, it's not available in all states......

ok some said they have runit through bank first than see bout arranfements giving me hard time will take letter to my employer mon to revoke any wage assem will that help too i can only afford now 40 a month on each i hope they will agree to that dixie what else can i do now

Well, dixie, I guess if the storefronts told you that they need to run them through the bank first (which a lot of them do that), then you can just sit back and wait. If that's their policy, is to run it through and have it returned, that's what they're going to do. In that case, when the check is returned, they'll contact you. Then you'll just tell them again (I know you already told them) that you can not pay them in full and have to make payments. If they can not do that for you at the store, then they will most likely send it to their corporate office. Then they will contact you. Then just tell them that you will have to make payments. In my experience, once it has been returned and I've been contacted and made payment arrangements, they've been a whole lot nicer than the actual manager at the storefronts. I'm hoping for the best here, dixie. But right now, all you can do is wait. It might take a little bit of time. They'll turn the checks in, they'll be returned, then they'll contact you. Like I said, when you are able to make payment arrangements, just be honest with them and only tell them what you can afford. They just want their money back. If you can arrange something that you can afford, then you'll be good. Right now, I guess we'll just wait for them to turn them in and have them returned.

hi ok ill sit back n wait than make some pmt arrangements to pay them back checkn go said the interest will not stop though ,thanks dixie

dixie, I'm only hoping for the best for you. I'm sorry these storefronts are making it hard for you. But, with luck, once you're contacted again, it will be by the corporate office of these places. Which the corporate office is usually a whole lot nicer than the store manager is. Once you hear from ANYONE, please let us know what's going on, okay? I'll be waiting to hear from you. We can do this. It might get "ugly" for just a bit, but I'm praying we can get payment arrangments on every one of them that you can afford.

ok thanks ,dixie

one of my cars going to be repossed 2 months month what can i do ,besides payday loans got me behind

dixie, one of your cars is going to be repo'd? You are only two months behind? Is that what you're saying? Did the car people contact you and tell you they are going to repo it unless you paid them? Tell me what's happening.

yes ive been paying interest on loans let car go unless i pay 270 by friday what should i tell them come get car i have other cars

Well, dixie, I'm thinking you can't come up with 270.00 by Friday, am I correct? When they contacted you, did they say they need 270.00 by Friday or they are coming to get the car? If they did contact you and say this, did you tell them you don't have the money? Maybe they can work with you? What did they tell you?

they said i need turn car in if not by fri the loans broke me should i let car go at this point ive never done that before

So they want you to bring the car to them? And you're only behind by 270.00? Is that what they're saying? I would hate to see you lose a car over $270.00.

Even with a voluntary reposession, you can be liable for the deficieny balance after they sell the car. Example, if they sell it for $4000 and you owe $6000, they can come after you for the $2000.

If you borrow the $270 from a friend, family etc...that would be the best bet.

Thanks, volley! I'm at a loss regarding a car being repo'd!

no 2 pmts now 1,025 they were excepting 270 ,still in whole i ow 17,000 on it if they sell it 10,000 what bout 7000 can i rite that off or what will they do go in collections i have 3 cars

is rapid cash legal also cash box there due fri i cant pay those now i called them said i cant pay now what next with them,what bout check city im running out time on that to beingdue dixie