getting out...one step at a time...one hair less on my head.
after many many years of playing with fire, i have decided to cut the apron strings known as payday loans. i have been in an out of this trap for close to 4 years now. i pay off, reloan, stop for a while, reloan...and so the cycle continues.
i am in ohio. my loans are as follows:
ACHLoan: 200, Paid 74
LoanPointUsa: 300, Paid 1080!!!!
OneClickCash: 400, Paid 240
Loan Shop/Hampton: 400, Paid 120
Loan Shop/DMS: 100, Paid 240
ZipCash: 500, Paid 300
Greenlight Funding: 200, Paid 85
CashTransferCenters: 700, Paid 0
PaydayOne: 500, Paid 0
CashnetUSA: 800, Paid 0
I have two storefronts, but am in process of working out payments with them.
I bank with a credit union and they have been VERY helpful in this matter. I was able to go to deposit only, with terms to pay back my negative account.
I spoke with my employer and they have been VERY understanding on making sure any calls/faxes/mail are not bothered with. I have provided them the letters I have/in process of mailing out (certified of course) to each company. My paycheck has been stoppe for direct deposit and my husband has opened an account.
I am trying to take this one day at a time...but it is a bit overwhelming. I have taken the advice on these forums and have drafted all the necessary letters to correspond with each company.
By the way, ZipCash is no longer making loans. What does this mean?
Thank you for your time in reading this post. You have all been so helpful to this almost bald lurker!!