12 pay day loans that i cannot pay in full

There is Langhorne Associates, like you said, who mostly deal with internet payday loans, credit cards, etc. Town and Country Associates who alot of people use here deal with store front pay day loans. It also depends what state you live. Most of these programs do need an up front fee, but I believe that first payment may or may not go to your creditors. It sounds like you caught yourself in this mess early enough to do something about it. Someone else will be along shorthly who has been on this forum longer with more knowledge of this subject. In the meantime, please list more info. on your situation, state you live in, who are the creditors, how much you owe, how old is the debt, etc. for them to work with.

thanks

Can you list the state you are from?
The names of the companies?
Indicate whether they are internet or storefront?
How much you borrowed and how much you paid back?

There are a few of us here who have been in your boat, it will all work out, please list the information so that we can help you.

I live in Ohio and the internet pay day loans are from 4 to 10 months long. I will use Langhorne if anyone has used them and can say they do what they say they do. The loan amounts to about $6,000.00 and all kinds of lenders. Quick Cash, Total Lending, minutavnace, and cant remember all the names. I want to pay them all off but cannot afford to pay them all off at one time. I appreciate any assistance that you give since I have never done naything like this before. Mike

There have been many members here that have used Langhorn. I'd suggest doing a search for them on this site, and you will find some people's experiences.

it's simply. You can't pay taht so you have to get them off of you. find out how many laws they are breaking and threaten them.

niniDC's advice is not to be taken seriously, please. Listen to goudah. Do a search on this site and check out Langhorne and also T&C. Take a look at what other members are saying and then you can make a decision as to if you would like to contact them. It never hurts to make a telephone call and see what they have to say! :D

Cannr - Does her "typing" look familiar? It seems like I've seen that kind of "spelling" in several letters lately posted on this site. Know what I mean?

goudah, honey, you're not the only one who's noticed it. It's one in the same. I say learn to type if you're going to "preach". Give me a break.

Good! I've been running around trying to make sure good info was posted after hers, but I will calm down a bit and get some work done. It just bugs the heck out of me when people do this!

You all should take my advice seriously. i was in worse shape than all of you. I got out of it by simply admitting to myself that there was no way to pay these people and working outwards from that point. What I am telling you to do, i did it to paycheck today, mydpayday loan, netcah, magnium cash advance, oneclick cash, onestep cash, etc. They suceed because they have you afraid. Don't Be! they are on the wrong side of the law and the second they realize that you know that, they are done with dealing with you. It's true. here are the laws you are breaking...go away or i'll send it to the AG.

NOT AGAIN !!!!!!!!!!

Extortion. Period. People you have a choice. You can break the law to fight illegal companies, or you can use the law to your advantage and fight them the legal way.

And Nina, because of all the crap you've posted, no one is going to take your advice seriously. If you bothered to read at all any of the posts on this site you would know that you were not nearly in worse shape then most of us.

You simply blackmailed and extorted the companies into doing what you wanted. Shame on you. That is not the way to do things. There is a legal way. This board is not about getting out of paying loans, nor is anyone going to get away with telling people to extort a company to get what they want. Sorry, but you are better off going somewhere else with your nonsense.

niniDC, we deal only with facts and laws here. We do only advise people after knowing all the facts, their situation, etc. on an individual basis. We do not give advice until we know every detail. We then look at the state laws where the person resides. We then look at who the pld's are to see if they are licensed. We also take bank account information into consideration. Every person, every pdl, every situation is different and needs to be handled on an individual basis. We do not give "1/2 way" advice. We research, make sure the laws are being followed, and make sure no one is being taken advantage of. We pride ourselves in giving good information that is legal and researched. Every singe situation is different & until we know the details, we don't just "throw" out advice. Thank you.

I'm not preaching. There's just no need for these people to sweat this stuff. They are too stressed out to write all kinds of letter to different agencies.
Yes, you're advice is good IF the PDL won't go away the first time YOU (borrower) tell them. i think they will. it depends on what you say. They won't stop if you don't ask or tell me. They have hundreds of loan and if an AG sues them, all those loans become null and void in that borrowers state. The PDLs don't want that. They would rather mark you Paid In Full. that what i told them and they seemed to agree. they went away.

Well said Cannr! :D

Please, anyone who is reading niniDC's posts, please take EVERYONE'S advice into consideration. Do not listen to just one person. Expecially an individual that is telling people to "blow these pdl's off". Some pdl's are operating legally. Do not listen to just one person. Not all pdl's are illegal. A large amount of factors are involved in resolving pdl's with regards to laws. Thank you.

Extortion? Maybe,but if you break into my house and I murder you, is it relly murder OR was I using force to defend my life. That's what people are doing here defending their lives. We can't live with this trash on our backs. We can't buy food or pay bills. I owed the fools close to $4200.

niniDC, facts and laws only, please. Thank you.

You cannot claim self defense for extortion! Um, hello? You would be laughed at. Two totally different situations. Did the payday loan companies force you to borrow from them? No, in the break in situation you have a situation forced onto you. In the payday loan extortion situation you yourself created the situation that you are now in.

1. You don't know what you are talking about. This board strives to do things the legal way. We are not out to break laws.

2. Each person's situation is different. You can't give blanket advice and have it be effective.

3. Many pdl's are legally operating businesses. You cannot lump them all together. There are several different business models that pdl's use, and each one has to be treated differently.

By the way, you all are great. Once I found this site, I smartened up. That's when I found the strength and ideas to get them off of me. You guys may not like me, but i love you and i log on everyday.

Just to make sure that everything stays right on this topic. I will request everyone not to make personal and offensive posts. Any type of discussion is good if it is a constructive one. Please keep the discussion to the point. Your posts will be helpful for the visitors in the future.

Thanks
Mike

If they are legal that's something else, but the ones choking the guest must not be. I can tell by the interest and the amount they have already paid.

I know exactly what i am talking about and my PDLs knew exactly what i was talking about, too. What i'm telling them is info they can use. You don't seem to know what you're talking about, but i love you.

As Mike said, stay on subject and no offensive posts. Cannr and I have both proved time and time again we know what we are talking about.

Please, you would be welcome here if you posted helpful information. We would not all be jumping on you if we thought it was in the least bit helpful.

Goudah/Cannr...Thank you for for taking the brunt on this one. This is how we sometimes get a bad name...people come accross posts like that and think we are all trying to "get away" with something...they don't always see the posts where the law is first and we all try to help people do the right things.

I just want everyone (and I'm sure goudah agrees) to understand when coming to this site, that we do not throw out opinions and mis-guided information or tell people to "blow off the pdl's". Every individual that posts is just that - an individual. Every situation is unique. We have them post the necessary information. The laws are posted. The licenses are checked. The bank account situation is addressed. No one can just throw out their opinion. Someone may take that advice, which was not researched, and then something awful happen. Every state is different, every pdl is different, every bank account is different, all the laws are different. We take all that into account when responding to posts. And, I thank everyone who does this helpful kind of research and gives the correct information and posts the state laws and cautions people regarding their bank accounts. So, any new comers, please be aware that we are here to help. And, as I've stated numerous times, we go by facts and laws. We are looking out for the best interest of the people who come here looking for help.

I have to hop on here and say that "blowing off" or "threatening" ANY PDL company is a very dangerous practice.

If you find they are operating illegally in your state, go through the proper channels, file complaints with your state authorities, and if you've already paid back the principal and interest allowed by your state, request that they mark you paid in full. Request a refund if you've overpaid. But don't threaten them. That makes you no better than them - and puts you in a very precarious position.