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what can I do about harrassing phone calls from collectors

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paul.green



Joined: 07 Nov 2008
paulgreen's page
Posts: 1



48 Magic Points

Subject: what can I do about harrassing phone calls from collectors
 
Posted on Fri Nov 07, 2008 9:23 pm  

I have several PDL's that collectively I am having difficulty paying
fireyone



Joined: 26 Feb 2008
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Posts: 4246



132 Magic Points

 
Posted on Sat Nov 08, 2008 1:06 am  

Those payday lenders are really hard to deal with. Is there anyway that you could borrow money from your family to get them paid. I know you probaly would have used this option if you could before resorting to payday lenders but thought I would ask. Are any of these lenders willing to work with you at all? Finally in what state are your loans?
Justin

Justin

Joined: 17 Jul 2006
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Posts: 1238



28944 Magic Points

 
Posted on Sat Nov 08, 2008 9:01 am  

Hi paul.green
I think that you should immediately pay off the payday loans in full by any means since the interest rates on such types of loans are very high and it may lead to debt trap. For this you can opt for debt consolidation loans which comes with moderate interest rates. The debt consolidation loan will help you to consolidate all such PDLs accounts into a single loan account where you will be paying moderate interest rates.
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All the Best Smile
Justin
carol

carol

Joined: 27 Jun 2006
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Posts: 1299
Location: Los Angeles, California


30065 Magic Points

 
Posted on Sat Nov 08, 2008 9:05 am  

Hi Paul
Can you tell us your credit score? This is because if you have a bad credit score it would be difficult for you to get a debt consolidation loan. In such a case you can try other methods like taking advance from your employer or borrow from your friends or relatives to pay it off. But you should try and pay it off as soon as possible because the addition of interest on these loans may increase the outstanding debt amount multiple times.
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Keep in touch
Carol
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



541 Magic Points

 
Posted on Sat Nov 08, 2008 4:18 pm  

Paul,

What state are you from? Who are the lenders? Are they storefront or internet loans? How much did you borrow and how much have you paid back so far?

Please answer these questions and I will see if I can help you.
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Goodnatured,
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



132 Magic Points

 
Posted on Sun Nov 09, 2008 1:10 pm  

Sometimes I believe people are wary of giving all the details but they are so necessary when trying to help since laws vary from state to state.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



541 Magic Points

 
Posted on Sun Nov 09, 2008 2:48 pm  

I think that they don't know the information that is needed to help them, when he comes back hopefully he will have more details so that we can help him.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



132 Magic Points

 
Posted on Sun Nov 09, 2008 11:17 pm  

Hopefully he will. I hate when they go away before we have enough time to help them.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



541 Magic Points

 
Posted on Mon Nov 10, 2008 7:38 pm  

I am sure he will, we will have to watch out for him.
_________________
Goodnatured,
http://cashinpocket.synthasite.com/
for all the ways I make $$ online
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



132 Magic Points

 
Posted on Mon Nov 10, 2008 11:25 pm  

Are you going to watch that special tommorrow at 5:00. WPXI? I heard you are from PA. I thought it may have some useful info to help contribute to this forim. It is on credit cards and debt collectors.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



541 Magic Points

 
Posted on Mon Nov 10, 2008 11:30 pm  

I am not at home by then, you can watch it and then come on here and update all of us what is going on fireyone.
I trust that you will do a good summary.
_________________
Goodnatured,
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for all the ways I make $$ online
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



132 Magic Points

 
Posted on Mon Nov 10, 2008 11:36 pm  

You got it. I am hoping now that the economy is what it is and the credit card debt is being defaulted on more it will be real call to action for the goverment to step in and add a little more to the playing feild of the consumer who has the debt. It would also be noce to see them do something more about collectors and interest the charge to defaulted debts.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



541 Magic Points

 
Posted on Tue Nov 11, 2008 3:00 am  

Oh, they really need to get a handle on these collectors and put some regulation on the ridiculous fees that they add on.
especially when the original creditor has already charged it off, gotten the tax break, I don't think these collectors that buy it for pennies on a dollar should be able to collect triple the amount of the original debt.

Is this what it is on or is it on consumer debt and how they deal with it?
_________________
Goodnatured,
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for all the ways I make $$ online
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fireyone



Joined: 26 Feb 2008
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Posts: 4246



132 Magic Points

 
Posted on Tue Nov 11, 2008 11:39 pm  

Over all..everything especially collectors. I am dvr (ing) it now. Had a long day and just got home a bit ago. I like to fast forward through commercials anyway. I will watch it tonight and update tomorrow.
mel
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Subject: can you go to jail for pay day loans
 
Posted on Tue Aug 11, 2009 9:31 pm  

can you go to jail for pay day loans. I have been receiving threatning phone calls

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