pay day loans totaling $3500

What state are you in? And how long have you been paying on these loans?

You will have a few options with this many loans, depends on your situation and how you want to deal with. First thing you will need to do is regain control. Check the banking laws in your state and make sure that it is not illegal to close a bank account and let items be returned. I was very surprised to see that some states have such law. Hopefully yours is not one of them. Once you find out, close out your account and open a new one. Do not give the new bank account information to any of the lenders. This will allow you to pay your everyday bills while you get a grip on things. Once they go into default the fees should stop. You will want to send them letters of your intentions.

As steelers noted above you need to list your state, how much you have paid back and etc.

There are some folks on here who have used consolidation/debt management companies to settle out with these companies. I don't know if this will be advantageous for you or not. If you have paid more than you should have, you may need to request a paid in full letter, again it is hard to tell you what to do with out the information requested by steelers, please respond and someone will be along to help you soon.

Ambassador and United Cash Loans will not be easy to deal with. They like to use lots of illegal threats to bully you into paying so watch out for them. We will be waiting for your response so that we can assist you further.

I have not found a consolidatoin comany that works with PDL's (I think someone said T&C does but I know little to nothing about them) I use the freedom point for my other bills and so far they have been wonderful-I was about 5 grand in debt and pay them 162/month for all my cc bills so they are fairly reasonable

is freedom point a non profit?