I do not know what to do

The first thing that you have to do is stop with the payday loans. Then you need to look into the laws in your state regarding medical debt. Many states have programs to help you ay for your medical treatment and some even have laws about how they maybe collected on.

Now, if you just have reg UNSECURED debt (credit cards etc NOT your house, car) you need to worry about feeding that child before you worry about them. Look into nay state assistance that you can get for that and they ONCE YOU HAVE THE MONEY. Either start DV to start the settlement process or, call you DC to work out a payment arrangement. Dont forget to get a pay for delete agreement in writing!

good Luck

If you have children, they are the FIRST priority!! They need a roof over their heads and food on the table. I know it seems difficult sometimes. I've put bills off to get groceries, etc. PDL's can really 'eat up' your paychecks.....fee after fee after fee! One day at a time........

It is really sad to see a situation like this. Recently a car accident put me in the same situation. I still find myself drowning and barely hanging on. So what I mean to say you are not alone. These posters give good advice, your children must come first. You also must not beat yourself up over this turn of events. Somehwere down the line it will all work out. If you need any advice stop in and let people who have been there and done that help you out. Good Luck.

YEP......kids should ALWAYS come first. I love my son to death!! He's the light of my light!! I'm very proud of my son! TWEET......yep..everyone on this forum has 'been there' at one time or another. Why don't don't you think about this: Things WILL work out for you. Do ya know why? Cuz you're helping yourselve TO work them out. I remind myself of this constantly..i think it actually reduces the stress level, at times. Hope this helps.

It probaly does help alot. Sometimes though the mountain becomes harder to climb. I take a look at my bills and think it may not look to bad on paper but if I was to sit down and figure out how much I could send and when they would be paid off I relize this isn't an overnight fix or a year fix. Makes me a little sick in the ole belly.

Fixing your credit is NEVER an 'overnite' thing. It takes time......so many people get 'down on themselves' BECAUSE of this, I think. Work at issues, little by little. It will work out for you, one way or another.

If you take the attitude that you need you credit fixed fast the CAs will pick up on this and use it against you. If they feel that all they have to do is wait you out and you will fold. They will make your credit repair a nightmare. You need to relay the attitude that you have all the time in the world and it's your way or the highway. Now don't go nuts with that attitude and get yourself sued!

Renting out part of the home would be an awesome idea for making some money, so that on top of a job would take care of your problems.

I dont know about renting out part of your home. If the water heater in the second floor of your home breaks can you aford to fix it? If your tenets dont pay you, can you afford to evict them? As a landlord you have to fix what breaks and fast Be careful with that.

Renting a part of your home is no doubt a good idea, but there are also problems associated with it because if the tenant does not pay the rent in time you cannot simply evict him by going to the police. For this you have to go to the court and get an court order to evict the person. But as per the New York state laws, the landlord has to give a three day's notice to the tenant in writing that if the tenant does not pay the rent in three days' period, his tenancy will be terminated and then only he can go the court for eviction order after the three day period.

The process of eviction is also not so easy. Even after giving a three day notice period, there are a lot of other steps to follow. For this you need to file a complaint with the court and wait for a hearing date. The hearing date is minimum of 5 days from the date of service. The court then gives the order on the hearing day or on the following day and then the tenant must be given a 72 hours notice before he can be evicted.

Paying off old debt, will restart the clock on the collection activity for that account. The law states the LAST ACTIVITY. which includes payments. You are doing an injustice to yourself by paying a old debt.Have them removed instead.

HERE IN PA, they have thirty days to get out.

I believe that is what it is here. What is up with this 10 year bankruptsy post. This is the fourth time I have reread it. Its like that "head on" commercial...head on apply directly to the forhead, head on...you get it.

I hear ya!!!

Well hopefully they will read how much people dislike their intervening in important conversations and not come back.

I believe that is what it is here. What is up with this 10 year bankruptsy post. This is the fourth time I have reread it. Its like that "head on" commercial...head on apply directly to the forhead, head on...you get it.

ROFLMAO! [/code]

Fireyone is getting a little fired up, I think it is spam.

CMBV I am almost afraid to ask what all those lettters mean. Sorry ERB I was getting really fired up. I guess I just feel people come here for help not harassment. There are enough places out there that take advantage and hassle the little guy whose boat won't float. I just don't think it is needed here.

True fireyone you get a little passionate about the subjects we are discussing sometimes, that is okay, you get as fired up as you want to.

Rolling on floor laughing my a-butt off

Well she gets a litttle crazzzzy sommmmetimes :oops: :oops: :oops: :oops:

LOL

hey fireyone, are you there. What kind of cupcake do you like?

Birthday ones...with a firecracker as a candle. sorry about "cracking " up there just had to put in a say for the little guy.

I think that you should go for a debt consolidation loan to pay off your dues. You should pay off your dues first because if you don't pay the debt, your creditor may sue you to the court which may even result in garnishing your wages. So it is better to first pay off your pay day loans with debt consolidation loans.

That is good advice Mary. By the way like youe emoticon.

Good point mary, getting rid of and staying away from payday loans is always good advice.

Best advice any one can give >I still wish they would make these things illegal.

I think that steps has to be taken to see that these payday lenders does not charge abnormally high rates of interest. I heard that recently Pennsylvania Department of Banking has filed a lawsuit against Advance America for charging abnormally high rates of interest and fees, which is beyond the permissible limit under Pennsylvania law. This is what I feel is a step forward towards limiting the interest rates on paydday loans.

True they did file a suit. Good natured had a post of it earlier this week.

There is an update for May 2008 on the Pennsylvania's department of banking webpage, you can google it and read the letter.

I just heard again last night on the news where they are going after other lenders. I do not remember the names. There was three others. All these places have such weird names like cash now, payday advance, that it is hard to keep up with them. I say "Go get um".