My story about payday loans

You are working so hard to bring back things to normal. It helps if you can make arrangements with your lenders directly on these payday loan mess. Figure out the total accounts you have and write a letter to each of the lenders explaining your payment proposals. Some of them will accept it earlier than a few because of your keen effort to pay them back. There might be a few who will sound hard in the beginning but if you can send the payments and keep the account current, they will accept it. At least, if you show them some activity, you will place yourself in the safe side. While you registered here, a person in your area will call you for counseling. You can take some great advice from him if that helps.

Thanks for the advice.. I am still trying to find out what this T&C is thanks again..

Wait for the consultant to call you. :) He will be from your area so that you can talk to him in person. I am hoping things positive for you.

Hi Westpoint!
Welcome to the forums! You're not alone in your payday loan struggles, a lot of us here have been there. Are your loans internet or storefront?

They are internet.. Can T&C really help out.. Its nice to know that there is a site that can understand what we all are going through.. It's sad to hear on a daily basis how dumb you are for taking cash advances.. Thanks for the warm welcome :)

Yes, T&C can help out...You will be hearing from a counselor shortly, they will help you decide which direction to go. Things are going to be ok now.
You're not dumb. Trust me. You made a mistake..But you're only a human.

When and if you close your checking account---make sure all other checks and debits have been paid and then close the account. I did this when I went with T&C to prevent the ACH debits from coming out. I never really heard from the PDLs about them, because by then the proposals from T&C had been received.----But definitely talk to a debt counselor from here first to make sure you know all of your options. Good luck.---BTW----You asked what T&C was---it is a debt consolidation company.

Thanks everyone for the advice, at least right now I don't feel so alone and lost.. All these loans were/are taking a toll on me.. I am surprised that T&C will deal with pay day loans because all the other debt consolidation places I have tried will not handle cash advances for a loan consolidation.. By the way what are PDLS that everyone is talking about.. On my bank statement it shows ACH debits I have never seen PDLs..Thanks again

PDLS stands for payday loans...It's our little affectionate acronym for them here on the board..ACH is automated clearinghouse debit.

westpoint...you did the right thing by coming on here...you'll get alot of great advice and make new friends.
Believe me, there's nothing you can't tell us that we don't already know.
Just make sure you start by closing your checking account and taking back control of your paycheck..then you negotiate with the pdl's. Don't let them intimidate you into making payments you can't afford, because they will. They'll take what you give them and that's that!
Once you have control over your paycheck, you'll feel alot better...
You're not alone!
Good luck and let us know how it goes

Thanks so much. I have learned a valuable lesson with doing all this.. I truly thought that I could handle this all, but all it's made me to was become more depressed then I already was.. I knew there was a way out I just had to find it. Thanks again for everyone's help and I will keep you posted.