payday lenders

Have you requested an EPP (extended payment plan) from any of these lenders, click the link below, all these lenders are members of the CFSA (Community Financial Services Association of America) except Cashland (they might be, call and ask).
http://www.cfsa.net/MemberList.aspx
Click the link below to read about the EPP, number 11.
http://www.cfsa.net/industry_best_practices.html

thanks for the information. i had recently ask at checksmart and they told me no they didnt offer anything, so of course i paid them in full and had to immediately reborrow to feed my kids that week. i will try again. will they only help if your items have been returned by the bank or do you have to ask prior to them being due?

also do i talk with each lender or contact that cfsa place? im clueless and cant believe i have done this to myself. thanks for all your help!

Go in and talk to the lenders, make sure you request the EPP before your next payments are due. I'm not sure how Checksmart handles these situations but keep checking back for replies, someone else might know.

First of all, this is a civil matter and you not be jailed. Regarding garnishments, that is usually a last resort as the have to go thru the courts, at least in Ohio. Be sure to save emails and documnetation and may want to log the phone calls. Some companies "forget" they offered me EPP but I had the email to prove. If they tell you anything over the phone have them send you an email or mail.

thanks for all your help. i will start making phone calls today. i will give you an update. again thanks for taking the time to help.