Our payday loan program does not require the client to take out a new loan to consolidate their payday loans and there is no credit requirement. Our payday resolution process will help them pay off their payday loans in as little as six and as long as 12 months, depending on the amount of debt and your financial needs. We utilize a “notice of assignment” through a limited power of attorney, which takes us from being a third party to being “THE” party to the debt which allows us to help clients in all 50 states.