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Tag Archives: payday loans

Citifinancial Cheerfully Lends Me Money But Now I’m So Far in Debt I Can’t Get Out. – Melanie

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Melanie “Dear Steve, Hello, I am a married woman with three children. We have been married for 20 years. For the last 19 years, I was responsible for bill paying and budgeting with our income and I never did a good job. For the last year, my husband and I have divided the bills (he pays some and I pay ... Read More »

Ohio Passes Bill to Cut Payday Lender Fees After Spirited Debate

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Some lawmakers argued that the unintended consequences of restricting the interest rate charged by Payday loans would lead to hurt people. Rep. Bill Coley said, “You’ve got the cart way before the horse,” he said, telling supporters they were being pious by trying to protect people from themselves. “Let’s find an alternative where people can borrow money from before we ... Read More »

Payday Lenders Fearing Proposed Regulation

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While debt settlement companies are furious about pending legislation and feel they have been singled out, the payday lending industry is facing legislation with the Payday Lending Limitation Act of 2010 and that’s not making them happy. Here is a press release from on payday lender. Get Out of Debt Guy – Twitter, G+, Facebook LOS ANGELES, May 11 /PRNewswire/ ... Read More »

I’m Way Over My Head in Payday Loans. – Alan

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Alan “Dear Steve, When my employer was having money problems….my paychecks got cut by 2/3rd. I got myself into major payday cash advance problems. All I make now goes to just the fees…how can I get out of debt with these horrible companies? If I don’t make my payments to them…will they just go to a collection agency? I can ... Read More »

I’m Working With a Debt Consolidation Company But Now Have 8 Payday loans. – Favgirl

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“Dear Steve, In 2008 I began with a debt consolidation company to pay off credit card debt and that has been going very well. We were struggling to pay our bills and the rent so I took out what added up to be about 8 payday loans and 1 installment loan. They all have become past due and I don’t ... Read More »

I Have 4 Payday Loans, Medical Bills, And It Is Too Much. – Laura

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“Dear Steve, 4 pdl’s can’t pay them keep borrowing from them each month. Tons of medical bills school loan car note food everything is toooooo much. Please help! How can I get out of debt? Laura” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, ... Read More »

I Got 6 Payday Loans While in a Debt Management Program. – Scott

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“Dear Steve, i entered a debt management plan about 9 months ago, however i have taken out a further 6 payday loans since, which i am struggluing to pay back, what are my options? my debt os over 15k, should i have been able to take out these loans when in a debt management plan? Scott” Don’t miss our free ... Read More »

What If I Close My Bank Accounts Because of Payday Loans? – Cameron

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“Dear Steve, I have several pay day loans. I took out the loans so I could make a mortgage payment. I had to make the payment or the mortgage company could have started foreclosure. I honestly want to repay the loans but can’t. I’ll be trapped in the cycle of renewing the loans over and over again. When I took ... Read More »

Teresa Writes In And Asks “What Should I Do Next?”

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“I have a lot of debt. I fell behind after being diagnosed with cancer. All the medical bills were paid at first but I maxed out credit cards and then took out a HELOC. The HELOC made my debt worst because it just consolidated the debt but left open credit that was used again. Now I have a suspended HELOC ... Read More »

Quick Cash Payday Lender Engaged in Deceptive Business Practices Says AZ AG

Arizona Attorney General Terry Goddard filed a lawsuit alleging deceptive business and debt litigation practices against national payday lender Quik Cash (QC Holdings, Inc., and subsidiary QC Financial Services, Inc.). The lawsuit seeks up to $5 million in restitution, asks the court to set aside hundreds of deceptively obtained court judgments against Arizona payday loan borrowers and seeks to stop ... Read More »

What Can I Do With the Payday Loan Vicious Cycle? – Dodie

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“Dear Steve, Payday loan overload. I am broke and getting worse every payday. I am in the vicious cycle of payday loans and i am delinquent on some and they are threatening me with garnishments and employer contact. I can not seem to get out of this debt cycle and it takes all my paycheck to pay interest that I ... Read More »

I’m Drowning in Online and Local Payday Loans. I was Referred to Langhorne Debt Solutions. – Lacy

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I apologize in advance for the short response. I am currently away on vacation with limited internet but wanted to give you an answer as soon as possible. Steve Lacy “Dear Steve, Currently have $2100 in payday loans, 4 online and one in town local. Cannot get ahead, and in fact with losing some of my income a couple of ... Read More »

Quickies – Bank of America, Payday Loans, Divorce, 401k, Credit Report

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When I need a break from answering questions I often take a look for some odd or interesting search terms that people used to find me. Below are some of the latest I saw today that I wanted to provide quick answers to. Steve Search Terms will bank of america negotiate debt – Yes but debt settlement can be tricky ... Read More »

Cristy Has Three Payday Loans And Can’t Pay Them

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Cristy “Dear Steve, I’m so far behind that i have 3 payday loan, and im working full time, a part time job and going to school. How do I get a head where I don’t have to use payday loans? Cristy” Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for ... Read More »

Consumer Reports Debt Settlement Article to Come

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A little birdie in the wind told me that Consumer Reports is working on an article that involves debt settlement services. This person said they got the impression that the article was going to not be supportive of debt settlement companies, and in many ways, that’s a shame. Settling your debts for less that you owe can be problematic but ... Read More »

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