I Need help with payday loans

Submitted by rdaletubbs1 on Mon, 11/06/2006 - 20:48
Forums

Desperately need help with payday loans. I need to pay it off.
Please Help !!!

Charles Graham (not verified)

I can't handle the preasure! They call me everyday threatning me and I want them to just go away!

Tue, 03/02/2010 - 17:40 Permalink

Hi Charles,

Rather than avoiding the calls, you should attend those and talk to them about your problem. Mention that, you are willing to pay the dues, but is unable to meet the expectations because you are presently facing a financial crisis. Request them to agree to a settlement. After a settlement, the outstanding debt amount gets lowered by 40-60%.

Hope this helps.

Regards,

Aaron

Wed, 03/03/2010 - 09:15 Permalink
GLORIAHOUS4 (not verified)

I need to find a goog way to get out of this payday loan cycle. I started with PDLs and got more to pay off old PDLS and I am still struggling.

PLEASE HELP!!

Wed, 04/21/2010 - 21:42 Permalink

Hi,

You can try to negotiate a settlement with the lenders. Debt settlement can lower your outstanding debt amount by 40-60%. However, if this doesn't work, you can opt for payday loan consolidation. Payday loan consolidation will lower the interest rate of the loans, and thus it will become much easier to pay off the loans.

Thanks,

Aaron

Thu, 04/22/2010 - 12:34 Permalink
Shoity (not verified)

Can anyone suggest any companies that offer relief, or deby consolidation? Thanks

Tue, 04/27/2010 - 22:10 Permalink

Hi Shoity,

Debt consolidation is helpful in eliminating your debt more easily because it lowers the interest rate, and instead of many monthly payments, you are required to make a single monthly payment. Thus, you are able to save some amount of money. Moreover, the consolidation company negotiates with your creditors on behalf of you.

Thus, you can check out if there are any consolidation companies in your area, or in your state. However, I know of one such company who offers payday loan consolidation . You can visit their site for more details at http://www.debtconsolidationcare.com/ .

Hope this helps.

Regards,

Aaron

Sat, 05/01/2010 - 10:58 Permalink
momma989904 (not verified)

i need help trying to pay off my pdl loans. I agree that I got myself into this mess and am willing to pay them off, but I am getting further behind. Who could I contact for help???

Sun, 05/16/2010 - 20:56 Permalink

Hi momma,

You can try payday loan consolidation. With debt consolidation, the interest rates get lowered, all the debts are consolidated and so you need to make single monthly payment. Thus, with payday loan consolidation, it becomes much easier to pay off the loans.

Thanks,

Aaron

Mon, 05/17/2010 - 11:10 Permalink

Hi Betty,

You need to give more details on your payday loans (PDLs). Payday lending is not legal in all states. So, can I know which state you are in?

Thanks,

Aaron

Tue, 07/27/2010 - 12:29 Permalink
D (not verified)

I have 3 pdl's and would like 1 payment at a lower rate instead of 3. How would I go about making this happen as quickly as possible before my next pay? i would like to pay them off but keeping up with 3 different companies at 3 different rates and deal everything else I have to deal with is getting crazy.

Tue, 07/27/2010 - 20:08 Permalink

Hi,

First of all you need to know the state Payday loan laws (PDL). PDLs are not legal in all of the states. If PDLs are not legal in your state, you will have to pay back only the principal amount.

Thanks,

Aaron

Wed, 07/28/2010 - 09:16 Permalink
stella sanchez (not verified)

I have alot of payday loans and I don't know how to get them paid off. Please help!

Tue, 08/03/2010 - 20:55 Permalink

Hi stella,

Please provide more information on:

1. What kind of payday loans you have?
2. How many loans do you have?
3. What are the principal amounts borrowed on each, and the interest rates.
4. The state you live in.

All these information are needed to help you in your problem.

Thanks,

Aaron

Wed, 08/04/2010 - 10:50 Permalink

We are here to serve you just can check out my signature .

Fri, 08/06/2010 - 20:25 Permalink

if you want to apply for a pay day loan..you have to go through a simple procedure ..you have to fill a online form..and the condition is that your age should be above 18 and you should have a regular income source means job..

Wed, 08/11/2010 - 05:53 Permalink
teal (not verified)

I want a short term loan should i try for pay day loans.Suggest me.Somebody told me that its good for short term so please reply.

Thu, 08/12/2010 - 06:41 Permalink

Hi teal,

No it is not at all advisable to take payday loans. Dealing with payday loans can be a nightmare. Moreover payday lending has been prohibited in some of the states.

Thanks,

Aaron

Thu, 08/12/2010 - 07:22 Permalink
W.B (not verified)

I need help paying off pay day loans.

Fri, 08/13/2010 - 21:47 Permalink

Hi W.B.,

You need to provide more details on your payday loans so that the members here can help you in getting rid of payday loan debt. Please, let me know how many payday loans you have, and the names of the PDL companies, and the state you live in.

If the PDLs are illegal you will be required to pay only the principal amount you had borrowed, and even if they are legal you can consolidate and pay off the PDLs.

Thanks,

Aaron

Sat, 08/14/2010 - 09:05 Permalink
teal (not verified)

If you need loans in short intervals of time.You can take pay day loans.Pay day loans are available online.You can get pay day loans just by filling online form.

Tue, 08/17/2010 - 05:20 Permalink

Hi teal,

It is always better to avoid taking payday loans. These are not safe, and are not even legal in all the states.

Thanks,

Aaron

Tue, 08/17/2010 - 07:56 Permalink
carrie (not verified)

I live in PA and i got some pdl loans all online here is a list of them and hope someone can tell me what to do.

Elastic got 300 have paid 532

star cash got 300 have paid 860

sgq 150 have paid 315

titan llc- 200 have paid 360

magnum got 300 have paid 358.92

gs finance 275 paid 345

beacon got 200 paid 267

they all are still debiting my account

Thu, 08/19/2010 - 17:54 Permalink

Hi carrie,

Payday lending is prohibited in Pennsylvania. So, the question of whether or not these PDL companies are legal does not arise. In this situation you need to close your accounts about which these PDL companies have any information else they will withdraw money from your accounts.

As PDL is illegal in your state you need to pay back only the principal amount borrowed from the PDL companies. If the PDL companies still harass you file complaints with the State's Attorney General.

Thanks,

Aaron

Fri, 08/20/2010 - 10:40 Permalink
Lakeisha Brown (not verified)

I tried to make payment arrangements to pay off loan they told me they can't do that it's a loan from 2005

Tue, 03/15/2011 - 13:49 Permalink
Doughball (not verified)

Find out if your company is a member of the CFSA. Most of the larger ones are. If the company is a member of the CFSA they must follow certain industry guidelines and they cannot ding your credit if you default on your loan. All they can do is keep calling you, but don't be intimidated.

Mon, 05/16/2011 - 12:53 Permalink
Sally Nachelle (not verified)

If you want to pay-off your payday loan, you can contact with your lenders. But, if you are not comfortable to deal with your lenders yourself, then you can get help from a payday loan consolidation company. This company works with your lenders on your behalf in order to minimize interest rate on your payday loan. This company receives a single monthly payment from you and disburses the funds to your payday lenders. In this way, you consolidate your payday loans and replace multiple bills with one monthly payment.

Wed, 05/25/2011 - 12:47 Permalink
Sally Nachelle (not verified)

If you want to payoff your payday loan debt, then you can contact with a payday loan debt settlement company and enroll in a payday loan debt settlement program. This company can help you to resolve your problem. The interest rate on payday loan is very high as compared to other loans. Many a times, it is very difficult for debtors to repay the debt fully with a high interest rate. The payday loan debt settlement company helps you to negotiate with your creditors by reducing the debt amount.

Mon, 05/30/2011 - 07:30 Permalink
hannah (not verified)

i need help from these heartless companies who thrive on the desperate people..they are actually making me lose my housing and utilities and food for my family...please someone help

Sat, 10/22/2011 - 04:38 Permalink
HANNAH DAVIES (not verified)

COULD SOMEONE PLEASE HELP ME WITH A PAYDAY LOAN AS IM BEING TURNED DOWN EVERYWHERE I TRY AND REALLY DO NEED SOME HELP TO FIND ONE THAT IS RIGHT FOR ME,

Thu, 01/05/2012 - 00:11 Permalink
Bonnie Bethel (not verified)

I Have 6 loans , 5 I am paying every 2 week one i am paying off monthly . can you help me

Tue, 05/22/2012 - 21:08 Permalink
ashley (not verified)

i really need some help i have three payday loans out and i don't know what to do i barrow less so that i will be able to have more money the next month i don't know what to do I'm so stressed out because my check only covers my bills and i have a baby girl and a husband i just don't know what to do somebody help

Fri, 07/13/2012 - 07:52 Permalink
robin_peed (not verified)

got payday loans that was not very much but with all the interest owed, it's impossible to make ends meet and pay them back. I need help but am not sure who to turn to. one thing for certain, I will never get a payday loan again and I will not refer anyone to any companies offering a payday loan nor will I ever start filling out an payday loan application online and NOT read all of the information concerning a payday loan. yes I was got..good by a predatory lender. Need help asap.

Mon, 09/17/2012 - 01:35 Permalink
Brandon (not verified)

I was in debt for over 6 months and was living from one payday loan to another. I couldn't take it anymore. I learned about consolidating my loans but was hesitant because i know there are a lot of scams going on. Luckily one day i got a voice mail from Be Free Financial, they left a number and i called them. It was heaven sent for me. I called them and spoke to Summer, she was very helpful and helped me understand what i was getting into. I signed up with their program and look at me know, after 4 months I'm TOTALLY DEBT FREE like what Summer promised. They took care of everything for me. If you are in the same situation as i have been call them at 209-217-0373, they will find a program that would be perfect for you.

Tue, 01/22/2013 - 20:09 Permalink
paydayonline (not verified)

I was working and suddenly a guy called up saying he's calling from be Be Free Financial and inquiring if I have loans so they can help me out reduce the rate from 40-60 percent. I told the guy to call me back the next day so I can think about it over night and discuss it with my husband. The next morning the guy called back, James offering me the program. I signed up. Miracle works I should say my 36-month term adjusted to 11months and it saved me a lot of money. If you want miracles to work for you call them at 209-217-0373. Thank you BE FREE FINANCIAL!
phone 209-217-0373

Fri, 01/25/2013 - 18:43 Permalink
tanyalyn (not verified)

i owe almost 6,000 in payday loans and im up to my eye balls in debt please help tryed to get a loan to help pay them all off and then pay smaller payments but no one will loan me the money please help

Sat, 01/26/2013 - 12:26 Permalink
eve. (not verified)

Hello dear my name is Evelyn am from U.S Texas . i feel very sorry in your situation i am once in a situation like this until a friend introduce me to a God send loan lender Mr. Musa Jemi. who help me with a loan of of $50,000USD. withing 48 hours without a credit check or stress. which am using for my little business now. if you are in need of a loan you can contact him via email. at (musa_jemi@yahoo.com.sg) and tell him that Evelyn introduce him to you.

Sun, 01/27/2013 - 09:02 Permalink
mom85 (not verified)

If i'm behind on my loans can they garnish my wages if i don't make enough money

Tue, 04/16/2013 - 21:09 Permalink

A payday loan is a short-term, high interest loan intended to be used for small purchases until your next payday.
If you’re struggling with debt problems, payday loans aren’t the answer. They’re a short term type of loan and will usually have a significant amount of interest.
Payday loans are not a debt solution and can make your financial situation worse.

---------------------------------------------------------------
Miami Beach Real Estate

Mon, 09/02/2013 - 10:10 Permalink

A payday loan is a short-term, high interest loan intended to be used for small purchases until your next payday.
If you’re struggling with debt problems, payday loans aren’t the answer. They’re a short term type of loan and will usually have a significant amount of interest.
Payday loans are not a debt solution and can make your financial situation worse.
-----------------------------------------------------------
Miami Beach Real Estate

Mon, 09/02/2013 - 10:14 Permalink
patricia stevens (not verified)

I have talked to a couple of business that help pay off these loans. but all they want is money for themselves and pay nothing to the payday loans. I need a business that will help me to pay off these loans. I borrowed the money and want to pay it back, just don't want to get scammed. please help

Sun, 04/20/2014 - 17:31 Permalink
matzcrorkz (not verified)

IUSzdy Major thankies for the article. Great.

Wed, 08/06/2014 - 04:29 Permalink
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Sun, 08/10/2014 - 07:42 Permalink
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WalterCriva (not verified)

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Thu, 03/21/2019 - 13:22 Permalink