Posts Tagged ‘payday loan’

I feel like I'm being scammed, what do I do?

Tuesday, December 6th, 2011

I got a phone call from a person saying they were from a company called Central Judicial Systems based in Spokane, Washington telling me to call a phone number along with a case number. I called that number and was told I was going to be taken to court about a payday loan (which I applied for but never received) in Oct 2010 for 1000.00. After I told the person I had no record of this deposit she told me to wait for a subpoena in the mail and then hung up. When I called the number back, I was unable to get a person on the phone as the number would hang up automatically. This is very shady to me and I want to know what’s going on and what my options are. I remember applying for the loan but I never got it and I have proof in my bank statements. Also being hung up on was suspicious as well. Are these empty threats? What do I do?

Is there Debt Consolidation company that handles Payday loans and other debts?

Saturday, November 19th, 2011

Here’s what I have:

00 payday loan debt
00 debt to college
7 credit card debt

Yeah, I’m not too proud of all that, but is there a debt consolidation company which can handle all of these categories of debt? I’ve only been able to find ones which handle only one type but not all three.

I made a bad business mistake, should I lay off employee?

Friday, November 4th, 2011

I made a bad business mistake. The worst and Now I’m suffering and in a bad situation.

I was set out to hire COMMISSION only employees for my startup business.
This employee convinced me to hire him with a base salary of ,000 per month. Well I was assuming that he can certainly get profits of over 00 per month and pay him his base salary from the profits he brings in.

Problem is company has NOT recieved any payment. It’s been 8 weeks now. No sales. Thank God I’m not in debt because I somehow came up with the money to pay him. But NOW he just made 0.00 in sales. My funds to pay him are now OUT. Now he needs to get paid 0, but I’m waiting on payment he brings in from the clients! He keeps lolligagging and saying the clients are paying him tomorrow etc.

I took out an emergency 0 payday loan in order to pay him! I am so streesed. I can’t even afford to pay anything for myself. I’m so worried about paying him. So should I just lay him off? Do I have the rights to do this? Am I going to get sued for laying him off. He’s only been working 2 months.

I really really like him. He’s great, friendly and personable- but he’s choking the company. I’m paying him $ we don’t even have and he has just made 2 sales. I signed a contract with him that he gets base salary.

Is it legally fair to switch him to commission only? I’m so stressed. Advice help
I’d like to add- He seems to be good with sales at his old job. He brought in several clients….But with this company he is not because it’s a startup and we are not established yet. And this is why I wanted to hire comission only employees.

where can I get a lump sum for paying off bills?

Friday, November 4th, 2011

I have a bill that is about 1000 dollars.

It only got that way because of a whole lot of late fees. I used to be able to make the minimum payments, but not anymore. so my question would be is there any place that is not a payday loan center that could give me a lump sum and i just pay them back at a lower apr rate (10%? I don’t know, something lower than 26%.)

and don’t say "hit the lotto." i will just report you for being a general jacka$$.
ok, kung fu panda, not funny.

everyone else, I havent tried to get a loan, so i dont know if i can or not. also, the "min. payment" is about 100 dollars. thats more than what I can afford right now with school and all. they are already trying to work with me, but im trying to see if there are any repuable places that I should check out. thank you all for your help, except kung fu panda.

Should I file Bankruptcy for these debts?

Friday, November 4th, 2011

Over the last two years, while I was in college, I was dumb enough to let myself get about 5,000 in debt. This debt is for 3 credit cards, a payday loan, and an overdrafted bank account. I am graduating in a few weeks and will begin looking for a full time job. I had planned on either attempting to settle these debts or explore the option of bankruptcy once I began my career. However, I was served with a subpoena from Citi today for 1000. I know this is my fault and it is something I was preparing to work out as soon as I am financially able. Should I consider bankruptcy? Im 24 and in the state of KS. Thanks!
Thanks for your suggestions and well wishes. I would greatly prefer to settle than go the bankruptcy route, I was just not sure if settlement was an option since the subpoena has been sent. I am looking forward to getting past this!

Although I shouldn’t pick on such an easy target, you may be benefit from some higher education yourself. Your grammar and use of punctuation leave much to be desired. However, thank you for your input. It helps me realize that my financial setback is not nearly as bad as plain stupidity.

how to not go hungry for a week with 20$?

Friday, November 4th, 2011

This week i wrecked my car and found out my deductable is goin to be 1000$ I use my car to make money and i am going to have to sell my electronics and get a payday loan to pay the deducatble and still be short. i need to feed my self for about a week or so untill the shop gets done with my car. can anyone else help with me ideas as what to buy from the grocery store? i’m going to get some spaghetti to go with some butter and Parmesan cheese i have for buttered noodles, a box of ramen some koolaid and rice, (what goes with rice? just rice?)and a loaf of bread, I was thinking of manwich and knock off hamburger help but am no sure how far that will go. Any tip area appreciated
Fruit Salad Head: i have the cheese :D
"You got .85 a day! Im English but when I went to America you could have an all you can eat breakfast for like .50. Go there just before last entry and eat and eat and eat then throw up and eat more!!!!"

3.50? geez i cant find a buffet around here for less than 13$ im used to eating out everyday for 20-30 bucks >_<
"ramen noodles mixed with canned vegetables"

yea i was thinking of what to put in them nasty noodle packets, i really hate how much salt they have but i will deal with it. Im gonna brab me a sack of potatoes as well, still dont know what to eat rice with >_< tuna?
"eat rice, korean seaweed or laver, and cold kimchi
very good :) "

Haha i looked that up, it sounds good :D to bad i live no wear near an asian market.
haha forgot about PB and crackers
"You can live well enough on per week"

I just got back from the store with little more than sandwich stuffs and cereal for 20$ I might have to start eating weeds lol.

How would I go about restoring my credit. Or, is it really that bad??

Friday, November 4th, 2011

I just purchased my first vehicle in July of 2007( without a co-signer) I have about 00 worth of debt in my name. Mainly cell phone bills which went into collection. Also, I took a payday loan out last year that went into collection, but I have paid that off.

I would like to clean up my debt and began to restore my credit. How would I go about doing this??

I have applied for credit cards such as Visa, Victoria Secrets. and have been denied.

Can someone simplify steps I should take!!!!

PCSing to Ft. Hood… question about lodging and finance!?

Thursday, November 3rd, 2011

Actually my husband and I are already here at Ft. Hood… we have had to stay in a hotel since the 28th of March and we have to stay here until the 13th at least because that is the soonest our house on post will be ready. They Army will reimburse us for 10 days of lodging but by the end of this it will be 16 days and we won’t get reimbursed for a while. We have spent nearly 00 on lodging. When we move into our house we have to pay a pro-rated amount even though it is on post that should be close to 0. My question is since we have spent just about all of our money on lodging and our other bills and move in on the 13th but don’t get paid until the 15th… does anyone know where we can get a loan for 0 but not a payday loan. We want to be able to pay on it over time. It would be nice if we could find somewhere that usually deals with the military?! Any ideas?!

I guess I should have been more clear. This is our first duty station. We recieved BAH while he was in training but the BAH here is a little more than 0 less. So that in itself is alot of money lost. Also, I really don’t know what dislocation allowance is or if we recieved it.
I guess I should have been more clear. This is our first duty station. We recieved BAH while he was in training but the BAH here is a little more than 0 less. So that in itself is alot of money lost. Also, I really don’t know what dislocation allowance is or if we recieved it.

Is it better to settle your debts on your own then hire a debt settlement company?

Thursday, November 3rd, 2011

I had three payday loans worth 0. With intrest they were like 00. After my account went to collections, I kept telling them I am doing everything in my power to pay my loan off. Then when I had the lump sum, two of the companies both agreed to settle my accounts in full for the original amount of the loan, without all the interest and high fees. My one loan was 0 and they settled for 8. Then my other loan was 500 and they settled for 400. The debt settlement company wanted to charge 300 and then 50 bucks amount, so anything extra would be used towards the loan. It seems like it would have cost a lot more to use the payday loan settlement company. All they can do in the end is ask for a lower amount.

What do you suggest?

Thursday, November 3rd, 2011

My husband and I are in a financial bind. We need at least 00 very soon to pay bills. Both of us work, but we had an emergency recently that basically took everything we had. Bills are adding up fast and we just don’t have the money to pay them. We are a young couple and don’t have any credit yet, and we keep getting denied for loans. My friend told me about a cash advance or payday loan. Do you think that it’s a good idea and how does it work.

Bad credit cash advances?

Thursday, November 3rd, 2011

Due to medical expenses we have fallen behind on bills, rent, utilities etc. My credit score is not very good because of these recent problems. I have been trying to get a payday loan. Friends have reccomended a few websites. Each one I go to says they will match me with a lender. I fill out the application and get redirected to another website that says they will match me with a lender. Does anyone know of a legitimate website to directly apply for a payday loan? I am only in need of 00 to cover the rest of this months rent.

Can I go to jail for not paying a consumer loan?

Thursday, November 3rd, 2011

Can I go to jail for not paying a consumer loan?
I took out a small consumer loan with Sun Loan Company. It was not a payday loan and no checks changed hands. Since then, I was in a terrible car accident and am now on SSI and Social Security. I did move out of state because I have 3 children that I could not take care of due to the accident. They are now calling my family everyday, threatening to take me to jail, telling them it will be considered theft over 1000. Which I dont understand because the loan was only for 250.00. What are my rights here and how can I get this resolved without going to jail? Thank you, Paula

How can this be legal? (about Identity theft)?

Wednesday, November 2nd, 2011

Ok so someone stole my identity almost 2 years ago. I put a fraud alert on my credit which requires that I get a phone call to authorize any credit inquiries and have not had any issues since resolving all of the issues last year. Now, I get a phone call 2 days ago telling me that I owe 00 for a Payday loan taken out in my name. They were really rude to me and obviously think I am a scammer when really I have once again been scammed. Anyways, here are the reasons I am confused as to how this could happen:

*Payday loan taken out over a website, not in person
*They listed my address in Florida
*They used a bank account which deposit was made to was not in my name
*The bank account they used is in Michigan
*The bank account contact info and home address as well as my name do not match
*They did not check my credit for a payday loan
*They are threatening to report it on my credit report in 5 business days if I haven’t overnight mailed a police report to them

So how can I be pushed into a corner over this?! I am furious. I’ve already filed a report with the FTC, made a police report, and I’ve done everything I’ve been told to do. But these people are demanding that I buy a copy of my police report to send to them (It costs at my local police station) and then pay to have it overnighted. If I don’t do this today they are saying they’re gonna report it to my credit in a couple days. It seems to me that being so careless on who they give money to should be illegal…is it? How can you let someone take out a payday loan and put it in someone elses bank account, and on top of it, its all online so theres no way to verify identity through picture ID. I’ve told them I am mailing the legal FTC affidavit tomorrow but they say thats not good enough.

Second issue is, these people have been torturing me for 2 years. They racked up a decent amount of damage 2 years ago, then last year I found out they "piggybacked" to use my credit by taking out a new home cable-internet-phone service in my name. It slipped though the cracks because I already had that service provider. So they didn’t have to run my credit that time either. And now they are taking out Payday loans in my name which don’t require a credit check. So how will this ever end? They could do this to me forever it seems like :( And I am trying to get a job at a bank but I would be denied based on poor credit over this. It’s really draining me of energy and I just feel like giving up :( What should I do?

P.S. The logical thing to do would be to ask the police for help, right? Well only if the police were willing to help, which they are not :(

Where can I borrow $1000 quick?

Wednesday, November 2nd, 2011

I have wrecked credit from a bad marraige. Besides, it is too small an amount for a bank and too big an amount for a payday loan place. My employer doesn’t do pay advances and my few friends with money are either in their own bind right now or just do not lend (which is probably why they have it)

Where to get a 12 to 24 month personal loan for $2500 with perfect credit yet no job?

Wednesday, November 2nd, 2011

I’m 19 years old and I recently lost my job. I’m on unemployment and receive roughly 00 a month. I need 00 ASAP for school related expenses. I’m a co- borrower on the vehicle that my father has just bought- to build credit. He’s never missed a payment and he has perfect credit. It’s been about 7 payments so far, always paid on time. Is there a lender out there that will give me a loan with no pre-payment penalty. I’m looking for a longer 12-24 month loan. Just so the monthly payment stays low but I’ll be able to repay it within 6 months or so. I’m NOT looking for a payday loan. The money is for school related expenses. Thank you in advance.
Rick B- I’ve been there done that. But thank you. Unfortunately since I still live with my parents and apparantly they make too much but aren’t quite willing to pay for my school- Im on my own…any option will work for me as paying off the debt with money from some side cash jobs won’t be a problem.

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