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PayDay Loan Hell Desperate for answers!

Date: Tue, 07/27/2010 - 07:33

Submitted by anonymous
on Tue, 07/27/2010 - 07:33

Posts: 202330 Credits: [Donate]

Total Replies: 12


Okay I live in Texas and currently have four pdl out all through internet companies. I'm drowning in the interest charges to the point where I am not going to be able to pay my bills this month if I don't figure something out. I don't know how i got so out of control with this and I am kicking myself in you know what for getting myself into this mess. Any advice would be greatly appreciated. I want to pay these people off but I can't keep paying the amounts that I am paying. Please Help!

AmeriLoan-200.00
Integrity Advance-200.00
Payday Max-620.00
SpeedyCash-500.00

Thanks in advance!


I am not very well versed in the laws in Texas but someone will be along soon that can assist you. Are these all Internet loans or are they storefronts? Everything will be ok....so many of us have been in your situation and it is easy to get sucked into this mess when you are having hard times. Hang tight and help will be here soon :)


lrhall41

Submitted by Sassnlucy on Tue, 07/27/2010 - 07:39

( Posts: 2698 | Credits: )


Quote:

Originally Posted by Anonymous
Okay I live in Texas and currently have four pdl out all through internet companies. I'm drowning in the interest charges to the point where I am not going to be able to pay my bills this month if I don't figure something out. I don't know how i got so out of control with this and I am kicking myself in you know what for getting myself into this mess. Any advice would be greatly appreciated. I want to pay these people off but I can't keep paying the amounts that I am paying. Please Help!

AmeriLoan-200.00
Integrity Advance-200.00
Payday Max-620.00
SpeedyCash-500.00

Thanks in advance!



hello,and welcome.now i don't know about speedy cash,but the other three are totally illegal therefore you only owe the principle.please try to
recall the following.

how mch was debited by each until now.if the amount debited meets or exceeds the principle.you owe nothing.again except for speedy cash.i know the top three are illegal in all states.


lrhall41

Submitted by paulmergel on Tue, 07/27/2010 - 07:45

( Posts: 15514 | Credits: )


Quote:

Originally Posted by Sassnlucy
I am not very well versed in the laws in Texas but someone will be along soon that can assist you. Are these all Internet loans or are they storefronts? Everything will be ok....so many of us have been in your situation and it is easy to get sucked into this mess when you are having hard times. Hang tight and help will be here soon :)

These are all internet companies. I have never been so scared or ashamed in my life. i am a single parent COMPLETELY on my own. All I wanted to do was take care of my son and I got sucked into this mess. Now I just want to get out of it.


lrhall41

Submitted by anonymous on Tue, 07/27/2010 - 07:52

( Posts: 202330 | Credits: )


Quote:

Originally Posted by paulmergel
hello,and welcome.now i don't know about speedy cash,but the other three are totally illegal therefore you only owe the principle.please try to
recall the following.
how mch was debited by each until now.if the amount debited meets or exceeds the principle.you owe nothing.again except for speedy cash.i know the top three are illegal in all states.



I have paid AmeriLoan close to 250.00 for a 150.00 loan. SpeedyCash about 126.00, PaydayMax 200.00 and Integrity Advance 60.00. I got myself in quick. I know. It was stupid. I want to pay these people off I do. But I just can't do it on my income and at the rate they are charging me. I will end up homeless! If anyone can give me tips on how to go about dealing with these companies to see if they will put me on a payment plan of some sort I would be so grateful and I will NEVER EVER EVER EVER do this again.


lrhall41

Submitted by anonymous on Tue, 07/27/2010 - 07:55

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
I have paid AmeriLoan close to 250.00 for a 150.00 loan. SpeedyCash about 126.00, PaydayMax 200.00 and Integrity Advance 60.00. I got myself in quick. I know. It was stupid. I want to pay these people off I do. But I just can't do it on my income and at the rate they are charging me. I will end up homeless! If anyone can give me tips on how to go about dealing with these companies to see if they will put me on a payment plan of some sort I would be so grateful and I will NEVER EVER EVER EVER do this again.


all right go to the sticky at the top of this forum titled DEALING WITH ILLEGAL LENDERS.it has all the technical info you need to get these places out of your life.btw take all of those amounts you listed,and deduct that from what was originally borrowed.that is what you really owe.the sticky will give you the info,and template letters.we can assist with questions from there.will effort speedy cash as they may be A CSO,but i'm not sure.


lrhall41

Submitted by paulmergel on Tue, 07/27/2010 - 08:06

( Posts: 15514 | Credits: )


Hello,

I need some advice! I am currently living in New Hampshire and am in pdl HELL with about 7 loans out at this time. The lenders are:

Fastpayday - $780
Kenwood Services - $325
Shamrock - $390
LoanShop - $390
Signmyloan.net - $423
Global Group - $390

I have made numerous interest payments to all of these lenders thus far and at times my entire check has been depleted. What can I do? Does anyone know any consolidation companies that might be able to help me? Thanks!!!!


lrhall41

Submitted by anonymous on Wed, 07/28/2010 - 12:10

( Posts: 202330 | Credits: )


need advice. i got a payday loan in texas last year an wasnt able to pay it back. i had to close my bank account so i can pay my bill. now they all me at work an say there gonna send somebody up there to serve me an ake me to court for a hotcheck. is this something that they can do legally


lrhall41

Submitted by anonymous on Wed, 07/28/2010 - 12:56

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
Hello,
I need some advice! I am currently living in New Hampshire and am in pdl HELL with about 7 loans out at this time. The lenders are:
Fastpayday - $780
Kenwood Services - $325
Shamrock - $390
LoanShop - $390
Signmyloan.net - $423
Global Group - $390
I have made numerous interest payments to all of these lenders thus far and at times my entire check has been depleted. What can I do? Does anyone know any consolidation companies that might be able to help me? Thanks!!!!


close any account numbers you have given them. all of the loans are illegal and they cant do anything if you dont allow them to take your money anymore. the next thing will be the phone calls you will receive from "collection agencies" ignore them if they dont give you anything in writing, then file complaints to your states AG and the the ACA.


lrhall41

Submitted by anonymous on Wed, 07/28/2010 - 16:20

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
need advice. i got a payday loan in texas last year an wasnt able to pay it back. i had to close my bank account so i can pay my bill. now they all me at work an say there gonna send somebody up there to serve me an ake me to court for a hotcheck. is this something that they can do legally


they are using scare tactics. dont pay them any attention, file a complaint with the BBB, your state's AG and the ACA. the pdl is an illegal loan so there's not much the people calling you can do about it. DO NOT give them any of your information until they send you information to dispute the debt in writing. since they claim you have an acoount with them they should already have your address, so dont give them anything else


lrhall41

Submitted by anonymous on Wed, 07/28/2010 - 16:24

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
I have paid AmeriLoan close to 250.00 for a 150.00 loan. SpeedyCash about 126.00, PaydayMax 200.00 and Integrity Advance 60.00. I got myself in quick. I know. It was stupid. I want to pay these people off I do. But I just can't do it on my income and at the rate they are charging me. I will end up homeless! If anyone can give me tips on how to go about dealing with these companies to see if they will put me on a payment plan of some sort I would be so grateful and I will NEVER EVER EVER EVER do this again.


close all the accounts they have access to. dont give them anymore money, the loans are illegal loans.


lrhall41

Submitted by anonymous on Wed, 07/28/2010 - 16:26

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
Help, I live in Texas and am a single mother of two kids......I have gotten myself into a mess with payday loans because I am so far behind on EVERYTHING...... I cannot do this anymore and I am about to lose it with school coming up soon.... Please HELP!!!

Please start a new topic with the following information:
-Names of each pdl company.
-Whether they are store front or Internet.
-How much you borrowed.
-How much you paid so far.
-The state in which you reside.


lrhall41

Submitted by Shazzers on Thu, 08/05/2010 - 20:39

( Posts: 17344 | Credits: )