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Help with a Payday Loan Nightmare

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Joined: 31 Mar 2009
Sandee's page
Posts: 1

97 Magic Points

Subject: Help with a Payday Loan Nightmare
Posted on Tue Mar 31, 2009 3:44 pm  

I have gotten myself into the payday loan nightmare and need help from some of you who have been here and have advice on how to get my life back. I guess my first question is are the following Payday loan companies legal in Minnesota.
**Payday 1
**First Bank Delaware
**One Click Cash


Joined: 27 Jun 2006
carol's page
Posts: 1299
Location: Los Angeles, California

30073 Magic Points

Posted on Wed Apr 01, 2009 6:30 am  

I think that you can find out the names of all the licensed payday lenders in Minnesota by visiting the link "". As far as I know, even if they are illegal, you need to pay them off. If you have a good credit score, take a debt consolidation loan and pay it off, else register with a debt settlement company and the company will negotiate with the lenders on your behalf to settle the debt for 40 to 50% of the outstanding debt amount.
Keep in touch


Joined: 17 Jul 2006
Justin's page
Posts: 1238

28944 Magic Points

Posted on Wed Apr 01, 2009 7:53 am  

Hi Sandee
Can you tell me how much debt do you have in total with these payday loan companies and what is your credit score?
If you still have a good credit score, you should immediately go for debt consolidation loan and pay off the debts as soon as possible, because the high interest rates on these loans will push you to vicious circle of debts and you may fall in debt trap.
All the Best Smile

Subject: Help with payday nightmare
Posted on Thu May 13, 2010 2:49 am  

I read that under Minnesota law, if they are illegal you do not have to pay them. I have one from CMG that I have paid 3 times more. I am having trouble finding a debt consolidation loan, or a creditable debt consolidation organization.


Joined: 08 Feb 2010
Aaron's page
Posts: 2632

48565 Magic Points

Subject: payday loan consolidation
Posted on Thu May 13, 2010 12:00 pm  


Yes if payday loan is illegal in your state, you can easily get out of payday loan hell. First try to know the law of your state on payday loans.

As for the consolidation try finding one in your area. There are various such debt consolidation companies that help you in consolidating your debts into one and thus helping to get debt free. However, before signing up with a consolidation company check if the company is a non-profit one, and if the company is accredited by the Better Business Bureau.


Keep in touch Smile
Lesson Learned

Posted on Mon Mar 28, 2011 2:18 pm  

My suggestion to anyone caught in a payday loan nightmare is to get a second job and negotiate a settlement. Most of the collection agencies will settle and stretch the payments over at least two months. I know from experience and believe me I will never ever get into that trap again. I learned a valuable lesson, borrow from friends or relatives before you go for a payday loan. The debt consolidation companies or no help and will charge a fee. Why pay someone to do what you can do yourself.

Posted on Fri Nov 18, 2011 10:32 am  

Remember that if you should find that the lender is not licensed in your state, or payday loans are illegal all together, then you will only be responsible for the principal amount. If you have already paid back more than the principal, you may even be entitled to a refund. if you are trapped in a loan by an illegal lender, let your bank know the situation to stop any further debits, and send the lender a letter revoking any ach debits as well as any rights to garnish wages as many lenders today include agreements to allow them access to your bank account in the event of default.

Posted on Tue Dec 06, 2011 10:44 am  

I have also read that all pay day loan lenders who operate online but are not licensed in Minnesota must better watch out since the Commerce Department is going to crack down on lenders. That means that you can feel comfy using online payday lender in Minnesota now. The department will be watching very closely. You don’t have to worry that you are being cheated because of it. Well,in case I need a payday cash advance, I use this fantastic site.I'm secured.Smile

Subject: debt settlement companies
Posted on Thu Mar 14, 2013 8:45 pm  

I got myself in a pay loan mess and slowly getting myself out of it i did try to got threw a debt settlement company but that company did nothing but took my money. Cause they never called any of my creditors i called them and work with them myself slowly getting myself out of them but the debt company relief programs that i been threw wasn't a good idea it best to try to work with the loan company or compiances and also be careful with companies that claim to have to that det too they are scams as well .

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