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Hi
I live in texas and have taken out 5 pay day loans....i defaulted on two of them and the other three are approaching....i cannot close my bank account because of a direct deposit advance i have with the bank...i have already open a new account ....my question is ....i want to settle with each PDL ..before they run up NSF fees in my bank account .should i do this through an attorney or debt management service ...before i lose my mind...which one will anyone advise to use ...
I dont like debt management companys personally. They have to pay for their staff and rent somenhow and I'm thinking its on YOUR dollar......and an attorney seems like money you really dont have at this point.
I have never taken out a Payday loan so I dont know to much about that but, i would suggest calling the company and asking them to work out a fair and reasonable payment plan. I would then call your employer and ask them if they can pay you via check not direct deposit. If this is possible you should then only deposit slightly more into the checking account then you expect the payments to be. This should protect you from any dishonest companys that would just empty your account.
Then in the future I would make other arrangements then payday loans. If you cant afford your bills this week why would you pat 10% or whatever to pay them next week?
Hello all.
Hi guys. I'm new to the forums and it seems fascinating.
Hi llamafruit
You are welcome to this forum. We would appreciate if you participate and put your valuable suggestions in the forum. It is a credit forum where we discuss credit related issues - Richard
debt
I agree with CMB.............if you try to go through some kind of Debt Management Co., you're probaly paying MORE to the Co. then you are paying to the PDL's. Also.....in SISTER's 'defense'. You may get SOO behind in bills, you just don't know what to do. If your Credit score isnot good enough to get a loan, you tend to go to other resources. With PDL's, they don't check your credit. Also...you are in a 'frame of mind', I guess you really don't think of the 'repurcussions' when you 'sign on the dotted line'. PDL's are hard to deal with. Talking from personal experience.
They are very hard to deal with indeed, the collection agencies that they hire are also pretty nasty. Pay day loans are illegal in my state, so I have gotten the attorney generals office involved right away. I have paid back more than I have borrowed and they don't want to work with me so this is the only way that I could get any type of cooperation from them. I am presently dealing with one from last year. I have contacted both my state attorney general and theirs to make sure that they will follow the credit collection laws. I don't know what will come of it, but the phone calls have stopped and I still have not recieved anything as far as the debt validation that I have requested. Still waiting, hopefully I won't either.
debt
I REALLY don't know which PDL's are legal in my state or not..state of PA. I DO have a few outstanding ones, but ( the same with me..) they don't want to work with me, either. I told them how much I can afford to send them, each month. Guessit's not good enough for them. Well.......EXCUSE ME!!LOL I feel I'm 'doing my part' to take care of these..why shouldn't they?
sdchargers,
they are illegal in the state of pennsylvania, I live in pa and know this for sure. If they keep harrassing you file a complaint with the pennsylvania state attorney generals office, they will contact them and let them know the law. I had two give me paid in full letters because they contacted them, who are the companies that you are dealing with?
pdl
i also have many payday loan balances out there. i have been paying on some of them for almost 6 - 8 mos. the differance between the original amt. and the amt. they are currently taking is ridiculus. some that i am paying back to exceed the original amt. by 200-300 dollars. My bank contacted me today and TOLD me to close my checking account. they said i paid the pdl co. back the initaial deposit that went into my account, and now i am just paying illegal interest fees. my concern is, the pdl co. state i still owe them money and i don't know what action they can take against me? Phone calls, mail? i need to know if any one is or was in this situation?
I feel your pain Amy, I was once in that situation, fortunately I have been able to work mine out to a manageable situation. It takes time.
The payday loan companies are making a killing off people who fall into their traps. I wish you all the luck in the world when it comes to getting out of this mess.
There are people who unfortunately see the payday loans as the only way out, then they get trapped in a viscious circle.
I agree with you goodnatured. Payday loans can never be a good idea to meet immediate financial requirements until and unless all other options are closed. These loans come with very high rate of interest and can put you in debt circle. So I think one should charge the amount to the credit card, if he has one, rather than going for a payday loan.
Definately explore all options before borrowing from a payday lender, they can rob you blind. You will be in worse shape later with these lenders than you are now.
Moreover, before opting for a pay day loan, you may look for other sources of getting loans, like advance from employers, or borrowing from a close friend, if any or charging from your credit card. Payday loan must be the last resort and must be used only in case of emergency.
PDL Settling Advice
Sister,
I've had PDL's also, and I defaulted on all of them, but I managed to close out my checking account and open up a new one, which you stated that you have done. Our pay periods are the 15th and the 31st of each month so within my next pay period the change took effect for the new account. I still get e-mails/letters from the pdl companies and now I just send them what I can afford until paid in full based on the address information on my credit report. At least now I don't have them targeting my account and putting me in the negative.
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