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on Tuesday, January 13th, 2009 at 7:02 am and is filed under payday loan questions.
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First of all close your current checking acct. Then start another acct. in a different city and bank. Then you can negotiate. They’ll not attach your wages. Bad for business. Most of the payday loan companies suffer about a 16% bad debt ratio.
1st get a budget to learn where u are bleeding money then use the budget.
2nd cut ur bills to minimum.
3 rd get 2 more jobs - pay off ur loan shark paydays. they are not actual loans that is why they can charge up to 800% yrly.
may i suggest a reading of ‘48 days to work u love’ d.miller . a good book for going forward and plenty of fresh reference material.
the other one is ‘total money make over’ d.ramsey helps our folks retain their cash.
spending less and getting more value from their paychecks.
our associates have a mandatory read of the books.
you need to try to get an extra part-time job and pay this off quickly. Make a budget and stick to it. Have you heard of Dave Ramsey (www.daveramsey.com) He has free downloadable budget forms. He also have a wonderful radio program.
Stay away from these places!!!- They will kill your bank account.
nobody can answer this withoutout knowing what state thats in,the laws vary widely,those places are like loan sharks,call a state agency for advice………..
Well to be blunt your an idiot and someone should have kicked your ass before you signed on to this deal. Payday loans places are the worst of the worst places to go to borrow money. Generally a vicious cycle is started the first time you sign on for one of these deals, the interest rates are through the roof and this makes the loans generally impossible to repay in a timely manner and so the cycle begins, oh and when you can’t pay they will get theis $$$$. First off what ever you needed the $$$ for so badly, did you truly need it , I would fair to guess that it was way out of your financal means and something that was not truly needed but nice to have to keep up with the Jone’s , the Smith’s, etc. Don’t feel to bad your not the first and surely won’t be the last one to fall into this trap. Just a wild guess but I’d be willing to say that you have several credit cards that are maxxed out and oh let me guess your making those monthly payments they require, well that is a whole other trap and a fun one to get out of hopefully before you die.
Ask them for their EIN # or State ID # and the Bank they use if they ask why, play stupid and say well you are going to take me to court so my Lawyer will need it., and you’ll need the Bank Information so the lawyer can can request an Audit. If they have a problem giving out that information then most]
likely they aren’t one of the legitimate companies.
January 16th, 2009 at 11:11 am
First of all close your current checking acct. Then start another acct. in a different city and bank. Then you can negotiate. They’ll not attach your wages. Bad for business. Most of the payday loan companies suffer about a 16% bad debt ratio.
January 19th, 2009 at 10:04 pm
JeanJean,
Sorry u got to play with snakes.
1st get a budget to learn where u are bleeding money then use the budget.
2nd cut ur bills to minimum.
3 rd get 2 more jobs - pay off ur loan shark paydays. they are not actual loans that is why they can charge up to 800% yrly.
may i suggest a reading of ‘48 days to work u love’ d.miller . a good book for going forward and plenty of fresh reference material.
the other one is ‘total money make over’ d.ramsey helps our folks retain their cash.
spending less and getting more value from their paychecks.
our associates have a mandatory read of the books.
January 20th, 2009 at 2:18 pm
you need to try to get an extra part-time job and pay this off quickly. Make a budget and stick to it. Have you heard of Dave Ramsey (www.daveramsey.com) He has free downloadable budget forms. He also have a wonderful radio program.
Stay away from these places!!!- They will kill your bank account.
January 22nd, 2009 at 12:41 am
nobody can answer this withoutout knowing what state thats in,the laws vary widely,those places are like loan sharks,call a state agency for advice………..
January 25th, 2009 at 7:02 am
Those places are like legalized loan-sharking. You will just end up being garnished. Hey, at least you’ll pay it off.
January 28th, 2009 at 2:29 pm
Well to be blunt your an idiot and someone should have kicked your ass before you signed on to this deal. Payday loans places are the worst of the worst places to go to borrow money. Generally a vicious cycle is started the first time you sign on for one of these deals, the interest rates are through the roof and this makes the loans generally impossible to repay in a timely manner and so the cycle begins, oh and when you can’t pay they will get theis $$$$. First off what ever you needed the $$$ for so badly, did you truly need it , I would fair to guess that it was way out of your financal means and something that was not truly needed but nice to have to keep up with the Jone’s , the Smith’s, etc. Don’t feel to bad your not the first and surely won’t be the last one to fall into this trap. Just a wild guess but I’d be willing to say that you have several credit cards that are maxxed out and oh let me guess your making those monthly payments they require, well that is a whole other trap and a fun one to get out of hopefully before you die.
January 31st, 2009 at 7:36 pm
Ask them for their EIN # or State ID # and the Bank they use if they ask why, play stupid and say well you are going to take me to court so my Lawyer will need it., and you’ll need the Bank Information so the lawyer can can request an Audit. If they have a problem giving out that information then most]
likely they aren’t one of the legitimate companies.
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