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Debt Consolidation Forums Payday Loan help

Payday Loan Consolidation Companies



buckeyegirl1120

Posts: 19
Credits: 1460.75
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Sub: Payday Loan Consolidation Companies
Tue, 26/06/2012 14:03

As I have read other threads on this site, I am thankful that I am not alone in the trap of payday loans. It is a constant cycle that I am ready to break. I am getting seperated from my husband and will be raising three kids. I know I could make it with my income with I could at least get back to ground zero and away from these loans. Most of my income now just pays fees and interest. I am in Ohio and I owe a mixture of internet and storefront pdls. I have 7 out now. I was looking for a company that could consolidate them into one monthly payment. I looked into Langhorne but from what I see from the site, that I will pay them more in fees than the loans themselves. Closing my account is not an option. I have other bills that come out as ACH.
Can anyone give me some advice?



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Sub: #1 I got help from Payday-loan-consolidation.orgTue, 01/22/2013 - 11:40



i really need a hot poker shoved up my ass,and my dick chopped off.



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Sub: #2 Hi, I have three payday loans currently out there and two are onFri, 02/18/2011 - 10:58



Hi, I have three payday loans currently out there and two are online, one is in store and I live in Missouri. The first one took out in november for $400 and have had to pay $106 every week since for "extensions." The second loan I am currently paying off in installments of $178 every two weeks for three payments and I have already made one, and it was for a $450 loan. The last loan I have is with Quickcash and that is for $500, that I pay off every week at $600 and retake out. What can i do to stop this? I know if I got the online payday loans paid off I could payoff the in store one, but I keep getting hit for $106 every two weeks with the first one from CScashservices, and the second one I am paying off is from CashNetUsa. Any advice?

Also I have been paying $106 every two weeks since November of last year.


Shazzers
Shazzers


Posts: 17127
Credits: 159088.8

Sub: #3 Quote:I just got a call that I will go to Jail Christmas Eve if Wed, 12/22/2010 - 15:25



Quote:
I just got a call that I will go to Jail Christmas Eve if I don't pay my Payday loan to financial crime office tomorrow Dec 23rd, 2010. What can I do?? I am not sure what to do or if this is a scam of some sort. They also somehow know my new change of payday at myu job and I have no idea how they would know it. I'm also unsure that I even have a loan with them, I've had no mail from them and they say I have. Please help me.


It's a scam! You can't go to jail for owing a debt! File a complaint against them with the FTC and your attorney general's office, this is getting ridiculous, so many people are receiving these scam calls! Read the link below:
READ ABOUT INTERNET PAYDAY LOAN SCAMS!

Visit my blog-TAKE CONTROL!
CLICK HERE To join my Social group, The Payday-Loan-Free Advocates!
Online Complaints Ohio Attorney General
Online complaints: Federal Trade Commission.
Ohio Payday Loan Laws


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Sub: #4 I just got a call that I will go to Jail Christmas Eve if I don'Wed, 12/22/2010 - 15:02



I just got a call that I will go to Jail Christmas Eve if I don't pay my Payday loan to financial crime office tomorrow Dec 23rd, 2010. What can I do?? I am not sure what to do or if this is a scam of some sort. They also somehow know my new change of payday at myu job and I have no idea how they would know it. I'm also unsure that I even have a loan with them, I've had no mail from them and they say I have. Please help me.


hez
hez
Posts: 62
Credits: 2722.3

Sub: #5 I would just like to advocate for Payday Loan Consolidators justMon, 11/15/2010 - 03:20



I would just like to advocate for Payday Loan Consolidators just a little. Some of the people here are able to do this themselves, but I enlisted the help of a consolidator and I have had a lot of luck. I have settled about 1/2 of my loans for a fraction of the original loan amount. Yes, you will pay fees, but for me it was worth it as the consolidator did a lot of the "dirty" work, ie: making phone calls and faxes, talking to harassing lenders and collectors saving you a lot of time and stress. I would suggest if you have the time and patience to "fight" this process out then by all means, save some money and do so. I am working two jobs and going to school at night part-time, I found that this was a time consuming process and needed a little help. My consolidator acts as a shoulder to lean on too, just like this website is for all of us. I have called my consolidator in tears before and they have helped me see the reality in this horrible cycle. I just wanted to throw that out there as I feel like consolidators get a bad rap. Perhaps I got lucky with my choice bc I am sure there are some consolidators who are in the business to scam as well. Good luck to all!!


Shazzers
Shazzers


Posts: 17127
Credits: 159088.8

Sub: #6 Quote:How/where do you find out if the lenders are licensed in ySun, 11/14/2010 - 20:38



Quote:
How/where do you find out if the lenders are licensed in your state?

For TX? Check the links below:
http://occc01.occc.sta te.tx.us/default.asp
https://direct.s os.state.tx.us/cso/csosearch.asp

Visit my blog-TAKE CONTROL!
CLICK HERE To join my Social group, The Payday-Loan-Free Advocates!
Online Complaints Ohio Attorney General
Online complaints: Federal Trade Commission.
Ohio Payday Loan Laws


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Sub: #7 How/where do you find out if the lenders are licensed in your stSat, 11/13/2010 - 07:52



How/where do you find out if the lenders are licensed in your state?


Unregistered

Sub: #8 sorry for the double post....I thought the internets ate my firsSat, 11/13/2010 - 07:42



sorry for the double post....I thought the internets ate my first one.


Unregistered

Sub: #9 I'm stuck in the vicious payday loan cycle as well (6 loans) andSat, 11/13/2010 - 07:41



I'm stuck in the vicious payday loan cycle as well (6 loans) and am working with a payday loan consolidator. They sent notices to all of my lenders...ach withdrawal, cease and desist, etc...but I checked my bank account online this morning, and one of the lenders has already debited my account before my paycheck has even been posted.

I live in Texas. How do I stop them?? My lenders (all internet) are:

Pack Management Group: $300
500FastCash: $150
PDY Services: $200
NLS Cash Advance: $350
Fleet Marketing: $400
Impact Cash USA: $500

Any help or advice you have would be greatly appreciated!


Shazzers
Shazzers


Posts: 17127
Credits: 159088.8

Sub: #10 Quote:Like many here, I have several payday loans out....6 of thSat, 11/13/2010 - 07:23



Quote:
Like many here, I have several payday loans out....6 of them. I am working with a payday loan consolidator, who sent notices for cease and desist, withdrawal of ach, etc. to all of the lenders (I have copies) but I checked my bank statement, and one of them has already hit my account, even though my paycheck won't be there until Monday.

My loans are with:

Pack Management Group: $300
500FastCash: $150
PDY Services: $200
NLS Cash Advance: $350
Fleet Marketing: $400
Impact Cash: $500

I live in Texas. How do I stop them??

This is one of the reasons why I don't ever recommend consolidation when it comes to payday loans, it simply won't work, CLICK HERE to find out how to deal with illegal lenders.

Visit my blog-TAKE CONTROL!
CLICK HERE To join my Social group, The Payday-Loan-Free Advocates!
Online Complaints Ohio Attorney General
Online complaints: Federal Trade Commission.
Ohio Payday Loan Laws


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