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How to get started getting out of paydayloan problems

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Have so many loans - don't even know how and am embarrassed but need help. Its taking so much of pay can't barely pay other bills.

I don't want to close my bank account unless it is a complete last resort - my spouse doesnt know about these loans and it would be a huge marital problem if found out.

I Live in NJ and am confused about whether or not PDLs are legal and how to approach each company to find out how to get them marked paid? Have rolled over multiple loans many many times with these companies- don't have the amounts paid in total yet but will start to look up - I didn't want to wait another minute - payday is next thurs was hoping to start some fast:

Fee Principal
mycashnow 57 230 new - no rollover
greenlight 100 250 new - no rollover
money & more 45 255 new - no rollover
discount 105 260 rolled over many times
onestep cash 90 300 rolled over many times
star 35 350 rolled over many times
ameriloan 105 350 rolled over many times
paycheck today 120 400 rolled over many times
geneva roth (new one) 120 400 rolled over many times
oneclick 120 400 rolled over many times
loan shop 120 400 rolled over many times
fast and rel 100 500 rolled over many times
delaware fast funds 165 550 rolled over many times
paydaymax 240 700 rolled over many times
magnumcashadvance 1500 rolled over many times

Have been reading through the threads and just don't know how to start to figure out what these letters are you are sending and where to start to get this moving along without risking more coming out of the account (and really trying not to close it)

mycashnow is credit protection depot. the mail I sent to the address I had was returned.

I faxed my docs here:

I haven't heard anything since.

Sub: #31 posted on Mon, 08/04/2008 - 08:10

jt jt

(Posts: 101 | Credits: )

anyone have the others contact info? I am sending them today.

Sub: #32 posted on Wed, 08/06/2008 - 03:11


jt is correct. Seems that Credit Protection Depot is only reachable by that fax number these days. Send your documents there. Sorry I can't help with the others. I am sure that someone will have the info you need. Good luck and keep us posted.

Sub: #33 posted on Wed, 08/06/2008 - 05:45

llw1995 llw1995

(Posts: 1422 | Credits: )

fax #800-351-8830

phone #800-351-8820

Sub: #34 posted on Wed, 08/06/2008 - 05:55


sorry those #'s are for geneva roth

fax #800-351-8830
phone #800-351-8820

Sub: #35 posted on Wed, 08/06/2008 - 05:56


Then do I send the same letter to the NJ agencies on that site or do I file a complaint and what do I say in that? Thanks again for helping me get my life back!

Sub: #36 posted on Wed, 08/06/2008 - 06:54


Ok - have sent out the C&D letters and got two emails back saying they don't have to follow the laws of NJ if they are in XYZ state.

My instinct is to respond that since I live in NJ they are required to follow the laws of NJ and for one of them I have paid 235 (oneclickcash) more than the principal so I don't owe them any more. The other is fast & reliable who is only asking for the principal balance (after what I paid in fees already) so I am working that one out fine myself.

Any advice for how to handle the responses would be greatly appreciated.

Sub: #37 posted on Wed, 08/06/2008 - 10:41


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