How do I get out of the payday loan trap? related questions

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How do I get out of the payday loan trap?2j.j2012-10-01 12:10:03
I have three payday loans with a total balance of $ 1,000. And interest rates are very high and can not keep up. Loans keep hitting my bank account and accused me 100-150 dollars in fees every two weeks. I also sent letters to companies online payday loans to revoke ACH transactions , but they keep trying to take money that is not in my account . I also wrote a letter to my bank and called them asking them to stop all ACH transactions to my account , but they will not do, I say stop costs $ 32 for each transaction , you do not even have in my account, which means you would have to pay $ 90 in fees every two weeks to stop each ACH transaction . The bank was willing to give up some positions , but will just go back once you charge my account again. My bank told me that my account will be closed in 15 days and will be reported to Chex Systems . Should I wait until my account is closed and sent to a collection agency , so overdraft fees come to an end and develop a payment plan . How to get out of payday hell ? Also I have 2000 in credit card debt . I can speak with an attorney about bankruptcy options and was told that I have to be at least $ 8,000 in debt. What do you suggest I do .
I need help with the pay day loan trap?1Shi industry's top performers,2012-09-13 09:35:04
I've tried a debt settlement company in particular, but they suck . I need some serious information ! Someone or something that will help. I wat to pay cash, but I can not do everything at once . I owe about 1800.00 . I know I messed up so please ignore the comments smart . I can not take calls and threats anymore. I do not want to present B.K. . but that may be the only way out I just can , t see doing that for this amount of cash. Does anyone know of a legitimate program that can help? My situation is more complicated than I can express is: family illness , divorce , etc. I tried to negotiate with these people , but they are relentless in their demands . and refuse to work with me on some sort of monthly payment program . This is the only financial problem I have. I am aware of everything else , but I'm probably like most people these days living pay check to pay check , so do not have much cash on hand . This is driivg me nuts , I would appreciate any advice . Thank you !
Can Perkins Loan Trap You At 1 College?0ozzy2012-09-07 23:44:04
my girlfriend is wanting to transfer to another college next fall , and they are increasing tuition by almost $ 3K next year and she will not be able to pay , but when she goes to the online registration page requests to request transcription the college currently going to say they have a hold on the transcript of Perkins loan defaults . Is it legal for the school to retain your file until you pay the $ 1.5K Perkins loans ? If so , are there gaps around ? looks like she is trapped against their will to remain in the university now unless she goes out with the $ 1,500 unless she wants to start a little more and not have their last two years of college credit transfer .
Is law school really a trap?0EricaSalazar2012-11-05 13:18:59
Ive been dreaming of going to law school since I was a kid, too much judge Judy I guess. I went to the Law magnet High School and majored in Poli sci with a minor in Philosophy. I took a couple of years off to work and now planning to apply for 2009. But no I read and hear that its a waste, 100k in debt and if I dont get a job my first year in Im screwed. If I dont graduate top 10% from a t-15 school im also screwed. Is all this true. I never expected to make 160k at some big firm, but i never dreamed I would be unemployed with a JD. Should this be a concern or should I stop worrying and start signing those student loan papers?
Stuck in a trap of fear and unhappiness?0Robyn2012-09-19 08:57:03
However, our financial condition = barely surviving. We reduce everything and only pay for what you need - rent, basic food, electricity, etc. We are completely broke after. We have no way forward unless I get a job that has been very difficult for me because I have anxiety disorders and depression. MedlinePlus MedlinePlus I had a job before, but I left a couple of days later because he could not handle it. I was nervous to go to work, I was scared the whole time I was working because I always think of the worst in my head - What if the mother is kidnapped or injured and no one is around to help her? What if he dies? What if they kick us out of our apartment, with no place to live. MedlinePlus MedlinePlus We have spent a few evacuation orders and were lucky to have a friend give us some money, we're still pays you back for months. I doubt we will lend money again after the time we have been paying. Mom has taken and continues to pay the loans back after almost a year. MedlinePlus MedlinePlus We'll never get out of this situation for rent and purchase. I want to buy what you do not have to live in fear of having a place to call home. I'm always emphasizing this. and even if you get a job, we would be in this situation for years just to get to a payment not mind paying the mortgage. which is not really a mortgage, just bring a lot of money for a down payment. and then I will focus on the time we can pay the mortgage. I do not think I can handle losing a home after all the hard work and stress. How did you come up with the down payment? How long did it take? What kind of work I have to do to buy a house? I'm still working on getting my grade 12 but I'm not a real school, only an online course for grade 10 jobs. (I have 18 years by the way) I do not like to see people walking and they live happy lives, worry about shelter or food. I'm pretending I'm always happy, laughing smile fake, fake ... I'm tired of putting on a show for everyone. MedlinePlus MedlinePlus I have not been diagnosed correctly with disorders.depression anxiety, but I'm 98% sure they do, I have had symptoms since I was 3. We can not afford a therapist (who can barely afford to survive) and no doctor to see a doctor. I do not know how to deal with this. MedlinePlus MedlinePlus there are some days I wish I could give up (do not die, just live a shitty life, easy) and sleep all day and I would be very depressed, and then there are other days when I decide I'm willing to suck up, get 3 seats work and work 18 hours / 7/days/week day.
What is the easiest legal way of getting out of a debt trap of unsecured loans?1Teressa2012-11-03 21:09:02
What is the easiest way out of a legal debt trap of unsecured loans ?
Since payday advances are illegal in georgia where I live anyone know where I can get a loan until payday?2iya2012-11-05 03:44:02
I, m looking for a loan until my next payday problem is due to the downsizing of my job I have bad credit anyone know of a bad credit loan company in georgia .
I have 2 store front payday loans and 3 online payday loans. I heard that one of my loan companies are illegal?1Mark G2012-08-25 18:45:19
Kingston Financial, BIG , and other media assets , I 'm not worried about the store fronts , but does anyone have any ideas on how to get me out from under this debt ? I got fired and I can not afford to pay all or even the interest that I paid off loans twice with just paying the interest. please help .
What happens when one gets a payday advance loan and can't pay it the next payday?0Ma2012-11-03 12:40:15
Will a payday loan company really serve me and take me to court over a $300 payday loan?1Gabe2012-10-19 19:04:02
Two years ago I asked for a payday loan of $ 300 and I lost my job shortly after , I've been trying to get back on my feet since. MedlinePlus I took a loan online payday company and a collection agency is leaving me messages saying they are commanded to serve by the plaintiff (the company payday loans ) . MedlinePlus You really take me to court and come after me for $ 300?
Has anyone use a payday loan help organization to resolve payday loan issues?1Bethan2012-10-21 12:22:03
I have several payday loans I need to consolidate because recurring charges are overwhelming .
How can we have the more simple online payday loans, what online payday loan make the difference?1ARC2012-10-16 11:12:03
How can we have the payday loans online simpler , what payday loan online makes the difference ?

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