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I have multiple payday loans that have defaulted for a total of more than $5000. I am at my wits end trying to find a place that can consolidate these to one monthly payment without it being hundreds of dollars. I've seen alot about this T & C place on here but can't find anything about it on the internet. What is the full company's name and contact info and do you think they can help me? I can't risk wage garnishment and everything else and still support my wife and son. Please help! Thanks!!!

# List the companies you have the loans with and whether it is a store front operation or an internet operation.
# List the original amount of the loan for each account
# List what you have paid so far for each loan.
# List what state you currently reside in.

Have you considered settling the pay day loans your self ?

Sub: #1 posted on Fri, 08/29/2008 - 11:26

mobile0311 mobile0311
(Posts: 1817 | Credits: )

I'll get that info together and post it later on tonight, do not have it with me. I know that 3 are internet lenders, 6 are storefront and one was over the phone (first bank of deleware referred by Check N Go). The original loan for the First bank of deleware was for $1050 and I paid a few months on that one, was an installment loan with I think 95% interest for 12 months. The other ones all defaulted around the beginning of May this year and I have not paid anything on any of them. Anytime I've suggested giving them money they've said it wasn't good enough. I've said let me give you 10 or 20 dollars now and keep doing that on a regular basis and they said no, so I don't know what to do other than get them consolidated somehow because like I said, I'm providing for my family, not above and beyond, just providing. My wife is not physically able to work and my base pay is being cut down as of Sept 1, so I cannot afford any garnishment or I fear we may lose alot.

Sub: #2 posted on Fri, 08/29/2008 - 11:52

michael.blanc michael.blanc

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oh, and I'm in Ohio

Sub: #3 posted on Fri, 08/29/2008 - 11:53

michael.blanc michael.blanc

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Ok, here's a rough estimate I did from memory, this may not all be correct but I know it's close:


Checksmart -650
Check N Go -800
Cashland -600
Always Payday -350
Express Payroll (associated with Checksmart) -400
National Check Cashers -400


Payday Max -500
Loan Point USA -200
Discount Advances -400

First Bank of Deleware (associated with Check N Go) -1050

The only one that was originally over $1000 was the FBD.

I'll try and dig up the actual figures later on.

Sub: #4 posted on Fri, 08/29/2008 - 12:13

michael.blanc michael.blanc

(Posts: 5 | Credits: )

Does anyone know if they can help me?

Sub: #5 posted on Fri, 09/05/2008 - 10:36

michael.blanc michael.blanc

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