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I got my self in trouble with multiple payday loans now cant pay them back any advice and can I go to jail ? I have multiple payday loans and cant pay them back the interest is killing me anybody been through this and do you have any advice .I was told could go to jail because this so any good advice would be great . vareeabull replied: "Screw the payday loan people! They are scammers.
I don't belive you can be imprisoned for debts.
Did you give them false info to get the loans?
There are many states and counties that are instituting guidlines these sharks must adhere to like disclosing their interest rates up front and in an easy to understand format.
If they didn't do that you might be able to get out of the outrageous interest owed."
Brian A replied: "You would only go to jail if you committed fraud to obtain one of those loans. Debtor's prison ceased to exist a while back."
Kelly G replied: "I don't think you could go to jail. Have you contacted the loan companies and tried to work out a payment arrangement that you could afford? They might be willing to work with you. Otherwise you could file bankruptcy if you have done so recently and then start from scratch."
MBATXguy replied: "You should work to try to refinance these agreements into some other kind of payment arrangement (credit card or personal loan from bank). There is a good chance that probably will not happen if you have used these pay day loan places. If you cannot do anything, then let them go.
Furthermore, you cannot be jailed for not paying a debt. However, you can be jailed if you gave them a check or other instrument which had insuffiicent funds to cover it OR committed some sort of fraud in obtaining the loans..."
cowboysnoopy replied: "Damn, do you smoke crack? That's alot of stores you owe."
MR Questionaire replied: "whoever told you you can go to jail for debt is a complete moron. Maybe in the 1920's, but not now.
Your best bet, dont hide from them. Call them and work out a payment plan that will work for you. For them, getting the money back is better than not getting anything. The last thing you want to do is file bankruptcy, as it takes 7 years to get your credit back to withstanding. If you missed payments on loans, you should be able to bring up your credit score in a year or 2."
sunshine replied: "First of all, you won't be sent to jail cause you didn't pay a bill. But they can sue you or put your account in collections if you don't pay it. First, close your bank account and open a new one so these companies can't take no more fees out your account and you won't be in risk of getting NSF fees. Next, call each creditor and set up a payment plan with them. Payday lenders are hard to negotiate so be upfront and tell them how much you can pay and put it in writing. If they don't want to negotiate with your terms, then do research in your area to look for a credit counseling company that can help you with these loans." What happens if i cant pay my payday loans back? i got into a situation where i needed money really bad. so i pulled several payday loans. Now i cant pay them back the fees are killing me to were i can't pay my other bills what do i do they wont negotiate they just want there money or fees i keep thinking i will close my account then contact them after that and try to work out something. What can happen to me if i default on a loan please Only helpful answers i already feel bad enough Kari M replied: "Seriously, when in the same situation (desperate), I put up some fliers at the local market and cleaned houses on weekends, etc."
snpuck replied: "Your credit goes to crud. You get sued, you lose, the fees/costs pile up. They win the court case, they can garnish 25% of your paycheck. Or you declare bankruptcy, but I cannot imagine you assembling the cash needed to declare bankruptcy.
What I would do is get a second or third job, and pay them off one at a time.
Hopefully the lesson has been learned."
www.1StopCheckCashing.com replied: "you are in a difficult situation but you can still get through it if you are still working. you should start by contacting the payday loan companies and talk to them and let them know you are in a tough financial situation and would like to make arrangements to payoff the loan in 3-5 payments because you do not want to default on them and want to see if they would come to some type of compromise. Most payday loan companies are flexible as long as they get some payments. i do work in the industry and i would accept a repayment plan instead of nothing."
Robert replied: "you could renew your loan if your state allows it." I need help finding a loan to combine all my payday loans into 1 payment. I have bad credit please help me? Recently I got involved in payday loans, now I just need help to get out of this trap. Do you know anyone who gives loans to people with bad credit. I have made an effort to make good on a lot of payday loans I just want out of this trap SG Elite replied: "Check with financial institutions."
sunshine_today replied: "You can't borrow your way out of debt. Maybe contact a social service agency and see if you can get some kind of emergency loan at a reasonable interest rate so you can pay those bloodsuckers off and try and stabilize your situation.
I feel for you--I think those payday loan sharks should be outlawed. They prey on people in desperate situations and just exploit them in vulnerable times. It's horrible. Good luck to you."
Jo Blo replied: "if you have anything of value,, sell it and pay off your loans
if you have any friends that would help then ask
don't borrow money to pay off a loan
it's a shame the way they hold a gun to your head and force you to borrow money,, and never ever ever give you a contract to read or anything like that....
don't have anything of value?? you have a computer and are paying for internet service"
William S replied: "Try prosper.com; they even have groups for people in your exact situation."
vtxrider replied: "I agree with everyone here that it is best to try not to borrow to pay the loan but once in the cycle it is very hard to break because the fees and interest keep you there. I you can sell something to get out that is great but in reality I think William S. has the best solution. You are not going to get a great interest rate there but at least it will be decent enough that you can break the cycle much less than payday loans which if you do the math on the fees and the interest have APRs close to or over 100% sometimes.
What ever you do you need to figure out how you got in this situation in the first place. There may be changes you need to make in your finances and spending or maybe is you a surprise expense you could not do anything about. If it was a medical expense I bet private health insurance looks a lot cheaper now than it did before."
june e replied: "Get a bad credit personal loan:
Today the lenders have started offering nearly all varieties of loans for people with poor credit record.They are also introducing many new loan products meant for this group. Now people with poor credit can get the same choices as those with the good or mediocre credit. Today you can use bad credit personal loans for many purposes like car purchase, vacation or even debt consolidation.
But if you have some assets to offer as collateral, your chances brighten. The primary reason why people with poor credit history do not get loans is because the lenders are scared that the borrowers will default again. But if you can offer collateral, your lender is secure in the knowledge that his money is in safe hands. You have to try and meet the repayment schedule, failing which you lose the asset." I Have to have a payday loan now!? i know i know, they are horrible. but i really really need one now. im off of work until january 2, 2008 i have no money, no one to borrow from. i need the money for my meds! i even tried to sell my first item on ebay but i got suspened for "abusing ebay". which i have no idea how.
i need about 400 within the next couple days. i looked up payday loans but all the companies i saw scared me, they didnt look legit. what are some legit payday loan companies.
(please dont tell me how i dont need one, thats not what i need to hear right now)
i take 4 dif meds a day, they are all very expensive around 100-150 each
i could get a smaller count that would be about half the bottles until i get a check but i would still need to payfor the half of bottle which would be around 200 swg4fnc replied: "Instead of 4 full prescriptions, can you get a smaller count of each one?
As you know, payday loans are for suckers."
*Jackie * replied: "none of those payday loan companies are legit. None are even licensed to do business in their states, imagine other states!!! I am speaking from personal bad experiences, Please do not ! It's just not worth it, you will end up in a worse financial situation then what you are in now."
Shop-o-holic replied: "try calling your doctor to get samples. They should have plenty of suplly on hand.
Also, did you try to buy the meds from Sam's club (Not sure if Costco have a pharmacy). It should be alot cheaper than regular pharmacies.
Try generic meds too. ( same med, but alot cheaper).
Why did you get suspended from ebay? contact them and maybe they'll re-activate your account. There are also stores like "i sold it on ebay" where you drop off your items and pick up the $ a week later. They will take a big cut though.."
arsenia i replied: "yes, i have to have a payday loan now. please help me"
infernoo1 replied: "Wow. Sorry about your situation.
I like the option of samples from the doctor and about trying to lower the prescription qty.
But, the fact is, you need money NOW and nothing will change that.
I would go to a payday loan business with a store front, one that has been there for a while. I know some offer some specials for first timers, especially if the loan has a quick turnaround for repayment. You already know the interest will be high, and i am assuming your credit cards are already maxed out.
Do you have anything newly purchased? What about Christmas gifts for other people. Sometimes hard choices need to be made and i would return anything i could to minimize the payday loan.
You can always be sick and skip the Christmas parties to avoid having to give a gift right then. sounds like you could go buy the gifts next week and get by with noone knowing teh real reason.
Anyway, enough of potentially useless suggestions. Go to a payday loan business with a store front. At leat there is someone to talk to face to face.
Good Luck!
I hope your future holds better options as you go get that missing college degree and make lots mroe money to avoid this type of situation in the future."
Gazelle Intense replied: "if your going to do stupid, you would be smarter to use a credit card. Avoid payday loans at all costs..
unless you think paying 400% interest is smart.
also, how about getting on a plan so you don't run out of money before the next paycheck? Get on a budget and live within your means."
stunna3m replied: "check the phone book"
ckm1956 replied: "Most of the big drug companies have patient assistance programs to help people without insurance.
This is a good place to start:
"
Sharon F replied: "i'm not supporting your decision but i surely can understand the bind that you are in
so look up cash advance places in your local yellow pages
they have one here called Cash Advanced
so i'm sure they are listed in your local yellow pages under cash advance"
robertdr60 replied: "Ask your doctor if you can do without some of the meds (or reduce the dosage) until your next paycheck. While I'm sure there is a good reason that all of them were prescribed, you may be able to safely stop taking some of them for a week or two until your next paycheck arrives."
Roy G replied: "Trust me from experience. If you want a good cash loan site that is lower interest than most go to
They will treat you with respect and will work with you on paying back."
Justin replied: "You can try for good payday loan companies." Help Me!! I need to know if there is any way to get out of the debt i am in. I have 11 payday loans out..ideas So when i had a really bad job...i needed money. I was introduced into the wrong system...PAYDAY LOANS...now i have a good job but i have about 11 loans out and all i do is roll them over and get more out. I need to find a website or somewhere that will help me with this. I have terrible credit and I just need some advise or a point in the right direction. Any ideas will help. LH replied: "Sounds to me like you have only 2 choices. Bankruptsy or a credit counselor where they make speacial arrangements with your creditors and get a reduction and you pay them a flat amount each week or month and they in turn pay of your debts.It's worth a try and i clicked on the site the first responder gave you and it's been Hi-Jacked by a some one Ghost some thing....."
Maggie Jeans replied: "Payday looks the the internet loan shark and that is bad news.
The good news is you have a good job now, that is a good start. If you follow what I have below (if you can) then you will get out of this - slowly. No more payday loans. None.
You need to make this a priority to get out of this spiral of debt. That means giving up a bunch of stuff to get free. With the kind of rates they charge, you need to act fast.
If you are renting an apartment, you need to move out and either move in with someone (friend or family) where you can live dirt cheap. That way you have some extra money to put towards paying these little monsters off. If you have a spare bedroom, perhaps you can rent it out instead, but moving out would save the most.
Take every possible penny and pay them as much as you can scrape together. Collect cans if you have to.
Now go out there and find some more money! Here are some ideas:
Sell some of the stuff you have laying around - anything. Old furniture, clothes, toys etc.
Take on a second job - push all the money from it to the payday loans. After all - you won't have any money to be going out and having fun. Work low end retail at night or deliver pizza if you have to, but get a second job as soon as possible.
Sell your car (if you have one) and buy a cheaper one (if one exists). Use the money to help pay off the loan. Do you have other "toys" you can sell like excercise equipment, tools, motorcycles, boats? Sell them.
Ask friends and family to hire you if they need something like a house sitter, dog sitter, baby sitter, help in the garden, paint a room, hang drapes - what ever. Don't ask for a handout - work for it. Use this money to help pay off the loans.
Good luck"
Aaron replied: "Lindsey, These are unsecured loans and if you hire a professional they can be negotiated way down
go to
they do free debt consultations and they are amazing"
Jody S replied: "You can go for loan consolidation wherein you can consolidate all various types of loan into a single payment that you have to pay to your consolidation company which in turn they would distribute to your creditors.
Here is the source of a debt consolidation company named for your reference." Are there any websites out there like Prosper.com with person to person lending? I already have a loan from prosper. I got it when I got too many payday loans. Now I'm running into the same problem and need a loan. imisidro replied: "Zopa is peer to peer lending, which will soon be launched in the US. They're currently doing good in UK where the site started"
aleish replied: "you can get another loan from newhorizon.org . T"
Ayee replied: "i got assistance from NHBS, Inc
"
pink_me replied: "hello dearie, the two people have said NHBS, Inc? I also had gotten credit and loans assistance from the team two months ago.
goodluck
"
sherri_glvr replied: "first try credit counsling, second try to do some credit repair if possibe for more information on credit repair call me at 803-979-7125 there are different programs for that also."
Serving Jesus replied: "You DON'T need to get another loan. You can't keep going on like that, and the more loans you get, the worse it is going to be when you hit bottom. It is time to stop the cycle.
I would be happy to share with you some of my knowledge of how to get out of this cycle. If you want help (no charge), e-mail me. I can help you get out of debt. I will tell you this, the very first step in getting out of debt is NOT TO GET INTO MORE DEBT.
I've been through a lot of bad financial times myself, so I wish you nothing but the best." How do I get out of Pay Day loan hell? I have about 5 payday loans now...I know shame on me. I had to get more just to pay the other ones because of that high interest. Well to make a long story short. I dont have good enough credit to get a loan (already tried) dont have enough in debt to file bankruptcy. And I cannot work a second job because I am a single mom. Please someone give me some advise other than save money. That is impossible with all the interest. I need someone that has had this happen and knows how to think out of the box.
Please....
Thanks Darryl D replied: "May I recommend a classic paperback book that's in every bookstore in the world for under $10?
You sound like a sincere person and I think you'd benefit greatly from reading "The Richest Man in Babylon" by George S Clason.
Changed my financial life 20 years ago.
Fun short read that will make a real difference in your life. Good luck to you! Darryl :)"
KATHY A replied: "Get the loans you have now paid and get rid of you checking account. A title loan place had me for about 3 years. I'd pay it off, then get another one. Finally I gave my title to a friend and told him don't let me have it. That ended it for me. Hang in there and deal with whats in front of yo know WITHOUT adding to it. yes, you'll have to work miracles with your budget, but you CAN do it."
Deb D replied: "You need to go and see a financial counselor, they can help you with a budget and help you figure out where your money goes and how to spend wisely. You are in financial trouble if you are going and getting payday loans they are a trap and very hard to get out of. seeking some financial advice will help you. I have experience financial trouble in the past and seeking financial advice was the best thing I could do for me and my family. Financial planning and advice is not taught to us, we need to learn the skills."
Ken P replied: "I may be able to help.1) What is a pay day loan? 2) How much do you owe? 3) How much do you clear each pay day? 4) Do you have any equity? 5) Do you have a relative or friend that could help with a "loan", not a gift? 6) Have you looked into government assistance? 7) I know that with kids and no dad you're really having a tough time. You must do everything that you can to make your kids lives as secure as possible. That is priority #1. I am sorry to say that you will have to forego almost everyting you want to sacrifice for your children. And for God's sake, DO NOT get mixed up with another man like their father. Your life choices are part of your financial plan. Read, if you have the time, Dr. Laura Schlesinger's book, "10 Things Women go To Screw Up Their Lives" and "The Millionare Next Door". You have to stop making bad choices, start saving as early as you can and don't touch those savings. Godspeed and best wishes. : )>"
Amanda H replied: "You should have learned when you got the first or second one...but for some reason you thought a third, fourth and fifth would help--- but I know sometimes its easy to just get desperate.
All you can really do is open a new bank account and close the other one that they are trying to automatically take payments from. You're probably costing yourself hundreds in overdraft or NSF fees already-- and that could go towards paying down your debt. Call them when you do this and explain that you messed up big time and need to set up small payments-- or none at all. Negotiate for them to stop penalties and interest and suspend the amount that you will pay on. APR on those things is like 500+% so if they dont do this you might never get out.
Try negotiating first-- a couple of them might be nice and you can get them out of the way while the others huff and puff.
Yes, it can be considered fraud to close the account-- but its also considered fraud to take out loans you know you cant pay for. It rarely comes down to it though-- most payday places are considered predatory lenders and they know that the legal system doesn't have much sympathy for them.
Document all your phone calls and attempts to negotiate with time, date, person you talked to, etc, just in case.
Good Luck!!"
peilthetraveler replied: "When you get a loan to pay your bills you are not paying your bills. You are just adding more bills. You get a payday loan for 100 dollars to pay a bill for 100 dollars. But the payday loan charges you 10%. So what really happened was, for no reason at all, you just changed your bill for 100 dollars into a bill for 110 dollars + added stress to your life. You actually just went to someplace and said "Hey, can i give you 10 dollars for no reason at all?"
The way to get out of this is to cut costs. Instead of buying soda or bottled water, drink tap water. Instead of making chicken or steak one night eat top ramen. Use coupons too! Make a list of every penny you save, and use that extra money to pay off the loan. Turn your water heater off after every shower and just turn it on again 30 minutes or so before you shower to get the hot water. THAT alone will save you 50 bucks per month. Maybe forget about cable television & internet for a few months to save a few hundred dollars. If you have a house phone and a cell phone, get rid of one of them. I dont know your situation or what kind of luxuries you are using (Luxuries i mean cell phone, internet, cosmetics, premium sports package on TV) But you really have to sit down, for a good 2 hours and see what you are spending your money on. DONT say you know, because if you did, you would not be in this situation. Chance are you wont know off the top of your head but try to get a general idea, then over the next month write down every penny you spend on one peice of paper. You will be shocked at the end of the money what you spent money on. You will also be able to figure out what you dont need to spend money on.
I've been in debt, i know its horrible. And you are right about the second job. Even if you could work it, it would not matter because you just spend more and besides that, you child needs you. You really have to sit down and just figure out where the money goes, and cut things out.
Good luck
Peilthetraveler"
Elaine W replied: "Well, I have never been in that particular situation, but I was in a situation that you spoke of with not wanting to leave my kids. I found a great career I do from home. I started part time, you could definately do it in your spare time, then quit your job once you got going on it. The company is really great and offers 401k, benefits and full training and support. Maybe it would work to get you out of the spot you're in. I would love to help. If you want details email me."
Alex K replied: "Try the below company to comparison shop for a debt consolidation loan. Home ownership is not required, and lenders will work with you even if you have less-than-perfect credit" Are there any sites out there like Prosper.com with person to person lending? I already have a loan from prosper. I got it when I got too many payday loans. Now I'm running into the same problem and need a loan. Wayne Z replied: "www.lendingclub.com
STOP taking payday loans!" Best pay day loan now!? i am looking for a payday loan now, ive used google to search and all i keep doing is being directed to different vendors. can anyone tell me a legite site? without the vendors? mom3 replied: "None, interest is very expensive in return to loan you the smallest amount of money.Stay away from payday loans,it will be a nightmare."
overnightdeejay replied: "the best payday lona is the one that never happens... your interest rates are gonna be criminal...
How's 99.75 % APR sound?"
laura replied: "Try this site
here you can find offers from different lenders."
Ur Credit replied: "check out under personal loans"
Pengy replied: "There is no such thing as a good payday loan much lest a best. It is the absolute worst thing you can do and actually puts you in a worse financial position as you have to pay it back with a large penalty payment, which basically puts you in a spiral trap to keep taking out the loans"
Vikram replied: "Hello,
if you looking for legitimate Payday loans then this is great ! Faxless cash advances are for individuals who are short on cash in the middle of the month, and have no other way of receiving money to cover their expenses. You can receive up to $1000.00 overnight. It doesn't get any easier than that. Once approved, your Faxless Cash Advance loan with be transferred directly to your checking account promptly, and securely. Now you'll be able to use the cash for all your necessities, and urgencies.
• 100% secure and processing
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Good luck!..." what is theft by conceives and internet fraud? I had got a payday loan now they said that they are going to charge me with theft by conceives and interent fraud take it to court can they do that please help me my_precious_wyatt replied: "yeah you need to pay them back you signed papers with them and youre fucked youll be paying doubled then what you owe them"
fr_chuck replied: "I beleive what you mean is theft by conversion ??
But basicly if you borrow money on a payday loan you write them a check, that they are suppose to cash at the time you get your check,
Many people can't pay that, so they merely pay a high interest rate each payday, getting futher in debt, till they can't pay.
If you don't pay, they will attempt to cash the check, if it bounces, they can file a complaint to have you charged with writting a bad check. ( depending on the size of the check and the state, it can be a felony) and since you knew there was no money in the bank when you wrote the check, they can show intent to defraud them.
If you did this over the internet, they could try internet fruad, but most likly just the check fruad."
comptermind replied: "If you do not check a company before entering into a transaction, you could lose your money, time and credibility. Some widely used resources are the Better Business Bureau (www.bbb.org) and the national fraud center (www.fraud.org) these days, you can easily find out more about a company using the internet in a few minutes. From a company's website, you can details about its ownership, how old the company really is and feedback from the company's customers.
You can find more detailed information about a company at" |
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