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Need help with payday loans

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rdaletubbs1

Joined: 06 Nov 2006
rdaletubbs1's page
Posts: 1

176 Magic Points

Subject: Need help with payday loans

Mon Nov 06, 2006 8:48 pm

Desperately need help paying off payday loans.
Please Help ! ! !

Richard
Moderator
Richard

Joined: 27 Jun 2006
Richard's page
Posts: 108

4505 Magic Points

Tue Nov 07, 2006 6:19 am

Paying off payday loans is a growing concern among debtors and only way to get through this problem is to go for debt consolidation or debt settlement. I know about a large community that deals with people coming across problems in paying off payday loans.

You can seek advice on this topic from debtconsolidation care . I am sure the community there will be able to give you better suggestions.
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Irma Raynal
Guest

Subject: Loan

Mon Nov 20, 2006 8:48 pm

I would like to apply for a loan

Seth
Community Manager
Seth

Joined: 27 Jun 2006
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Posts: 78

3577 Magic Points

Mon Nov 20, 2006 10:16 pm

Hi Irma,

This website doesn't offer any loans. May I ask the purpose you need the loan for? If you want to use the money for paying your debts, there are better options without taking new loans.

Enroll in some debt management programs. Getting a new loan especially with bad credit is often risky. Many companies in the internet are targeting people with bad credit. They will take the money from you by giving the hopes of a new loan and you will only realize to be scammed later.

If your purpose of the new loan is for paying the existing debts, enroll in a debt management program. Please register at community signup page for others' opinion and get the fix to your situation.

You can participate in Debt Consolidation Care Forum (see the link given by Richard in his post above). Perhaps, you may also enroll into a debt management program offered in your area through that site.

Regards
Seth
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Seth

Kimberly Nasworthy
Guest

Subject: vortex of payday loans

Thu Oct 25, 2007 5:36 pm

I am on a fixed income and never make it thru the month. Payday loans was the only option I have. Maybe that is not true but it is too late and that is what I did. I am in quicksand, now I have multiple payday Loans that need to be paid in full with a installment or debt consolidation loan, At 2 years at $175-$195 month. I need about 4.5 to 5 Grand. I have bad credit and it all seems absolutely hopeless. Can you help me? I have tried debt consolidation-did not work. I need my creditors to be paid in full all at once. HELP ME PLEASE, with sugar on top.

Laura

Joined: 21 Jun 2007
Laura's page
Posts: 1409

34306 Magic Points

Fri Oct 26, 2007 4:58 am

Kimberly please stay away from payday loans, try your family if needed but not a payday company.

If consolidation has not worked for you go through some credit counseling session. May be a settlement will work for you. Also visit the debt forum, you will find immense support from there as well Smile

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Regards,
Laura.

goodnatured

Joined: 03 Nov 2007
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Posts: 2524

3614 Magic Points

Sat Nov 03, 2007 1:48 pm

You only dig yourself further and further in the hole when dealing with payday lenders. You need to contact these companies and tell them you plan to stop this and get back on your feet. It is the only way. Even if you pay them off one at a time. Are they storefront lenders? If you could work out a payment plan that has an end in sight you will be better off in the long run. good luck with this, it is a vicious circle to be in, I know, I have been there.

debtstinker

Joined: 03 Nov 2007
debtstinker's page
Posts: 303

97 Magic Points

Sat Nov 03, 2007 7:20 pm

Yeah, i have to agree there...sometimes these pdl companies are just ruthless and i think that if you just say 'look this is the way i'm going ot pay you' and really try to maybe pay one off at a time then you may be able to make progress. you will be able to breathe again, please check out the debt forums as you'll find many people there who have had similar situations to yours and you may find some options that you haven't thought of at your disposal. good luck to you and keep in touch

goodnatured

Joined: 03 Nov 2007
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Posts: 2524

3614 Magic Points

Sun Nov 04, 2007 12:52 am

I know I have learned through experience the best way to deal with them is to close of the funding source. Then once you default and they are done threatening you, they will calm down and work out a payment arrangement with an end in sight. Most of mine worked this way anyway, had a few that played hard ball, got lots of good advice from the forum at debt consolidation care.

julia jacobs
Guest

Subject: help, im in trouble with payday loans

Tue Nov 06, 2007 12:11 pm

I CAN NOT GET THIS PAID OFF LIKE I WISH TO, ITS ALWAYS SOMETHING ELSE AND IT KEEPS ME FROM HAVING THE MONEY THAT IVE OWRKED MY BUTT OFF FOR TO PAY BACK THAT MESS...IVE BEGGED FOR SOMEONE TO HELP ME OUT,, BUT NO LUCK.. WHAT I AM GOING TO DO...???

george

george

Joined: 06 Jul 2006
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Posts: 75

2859 Magic Points

Wed Nov 07, 2007 7:02 am

Hi Julia,

No point getting worked up now. A payday loan was your mistake and you have to pay for it. Well I guess your problem is that they are not agreeing to your terms of payment right? Just find out whether the company you had taken the loan from is legit or not. If they are legit then talk to them calmly stating that you intend to pay their money back but you need to work out because your financial health is not working fine.

I think talking slowly and calmly might help.
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George Miranda

Money does not buy happiness. Happiness is found in being content with who you are and what you have.

debtstinker

Joined: 03 Nov 2007
debtstinker's page
Posts: 303

97 Magic Points

Wed Nov 07, 2007 2:19 pm

Julia,
What company did you take the loan from? was it an internet loan? where are you from? when you said you begged for someone to help you out do you mean the company? a little more information we can help you I think. George has a point, if we can find out if the company you went through is legitimate or not we can start counteracting what's going on.

carol

Joined: 27 Jun 2006
carol's page
Posts: 272

7874 Magic Points

Thu Nov 08, 2007 5:22 am

PDL's are dangerous. They have your check as well. So not paying will be fraud anyway. Do the legitimacy check and do reply to debtstinkers questions.
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Keep in touch
Carol

Justin

Justin

Joined: 17 Jul 2006
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Posts: 232

6571 Magic Points

Thu Nov 08, 2007 5:28 am

Hi Julia

do keep us posted.

goodnatured

Joined: 03 Nov 2007
goodnatured's page
Posts: 2524

3614 Magic Points

Sat Nov 10, 2007 5:30 pm

Julia,
You should visit the debtconsolidationcare web page mentioned earlier in the post, you will get all the information you need there from people have been through it and will have dealt with some of the same companies that you are dealing with. Go there and ask for advice, hang in there, I know it is tough and you can't see light right now, but with a little help and guidance you will be fine. Take a deep breath, go to debtcc and trust in their advice. Goodluck with this.

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