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pets-beaty · 5 years

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My Personal Story About the Payday Loan that Can Help You

Payday Loans - The term flash credit starts with the letter "p", the same letter that starts with the words pain, punishment, poverty and poverty. Both the internet and the physical world are full of places where you can get a loan with bad credit, no creditworthiness test and no work verification, but what these modern usurers don't tell you is that their interest rates are so high that one day you can end up with the Mafia with a payday loan that comes after you!

Certainly, these loans look very attractive for people with a financial need who are unable to get a Payday Loans in conventional ways, but when the facts are presented, what you have to pay back is simply not worth it. This fictional character that we all call 'guido', the person who comes to break your arms and legs when you don't pay a shark loan, exists in a different way when it comes to flash credits. Instead of your arms and legs, the Payday Loansguido comes after your heart, soul and peace of mind.

Payday lottery tickets made their offer look so attractive, but it's all an illusion, because who can really see when they're desperate? What you don't want to happen is what looks like a temporary solution to become a problem in the long run, and often that's exactly what happens.

I have been caught many times in the payday loan which is also called payday advance web. Sometimes living conditions leave us few choices and we decide to do what we feel like buying gas and putting food on the table. Like I said, I've been there before and as a survivor of the payday loan debts I have knowledge that can help you.

I want you to ask yourself a question that is, "If you don't have enough money to get what you think you can pay a loan with 300% - 700% interest?" You might as well be selling your first-born child. Payday loans may seem good in the short term and you can get immediate satisfaction and even a kick if you have that money in your hands or see it in your bank account, but in the long run it is a race that many cannot win.

My story, like many, was that I received payday loans to cover the direct expenses for which I needed cash, but had no money to repay the loans, so I received renewal after renewal that paid out unequal amounts. Soon I received new flash credits just to pay for the other payday loans I had received. I was stuck in a vicious circle with no way out and a lot of stress on me. I got a needy fly caught in the Payday Loans web, mainly because most of my loans were online loans; I was literally in a virtual web. The spider website spewed blood from my bank accounts and I didn't know what to do.

Please understand that you cannot solve a problem with a problem and that you cannot make debts by making more debts. The solution to your debt starts with obtaining additional sources of income and paying off existing debts little by little so that you can be free. In my personal loan on the payday loan I stood on almost $ 7,000 in payday loans and when the payment term was extended, my entire salary was gone. This is a miserable experience that I pray you can avoid. You may already be in this state, but even if you are, I have some suggestions for you that offer hope.

The first thing you need to do is make a conscious decision to get out of this situation. Decide to change and become a butterfly instead of becoming a fly in the payday loan web. When a caterpillar goes through the metamorphosis in the cocoon to become a butterfly, there is a struggle. The struggle is actually what makes the butterfly great, because the struggle to get out of the transformed cocoon actually pushes liquid from the body of the butterfly into its wings so that it can emerge in a beautiful flight. This process can be a bit painful, but it will help you to fly and become the way you were.

One thing I did was to become an affiliate for payday loan companies so that I could get paid from other people who won payday loans. Some people just get them, so there is no reason why you should not get paid from the process that causes you to pay so much. The second thing I did was what really helped me, namely to get a payday loan consolidation company to withdraw my debt for a lower amount and pay back the Payday Loans for me. It was one of the best choices I have ever made it was a way out of the payday loan web.

You can search on Google for companies that represent you in this way, but do research and ensure that the company you choose is credible. I have used pdl assistance, inc. They ask for a preliminary fee to handle your case, but they will work with you to pay it and it's around $ 200. Next, you prepare a plan to pay a monthly amount on your payday loan and they pay your debtors directly. They will give you different term options to pay off the debt and they will handle the payday loans for you. This cost me a huge weight. I was given a 12-month period to repay my payday loan loan at 35% of what I owed the payday loan companies. The $ 400 per month that I paid on this plan was much better than the $ 700 plus every two weeks I paid for all the loans I had.

An important thing to know when you start an affordability loan consolidation program is that the Payday Loans companies will call you to collect. If they call you, simply give them the information for the company that you represent and let them know that the debt will be repaid to them as part of a loan / debt consolidation program that you initiated. I obtained the fax numbers from my payday loan companies and sent them a notification about who to contact regarding the repayment of my loans. If you do this, you must state your account number and social security number so that they can find your account correctly.

Some companies will continue to try to collect from you despite this, so I have another suggestion if this happens. If you receive several debt collection notices after you have informed them of your debt consolidation, you must send these faxes and / or a stop and write letter. You can get a template from the internet and by submitting this letter, the collection calls will be stopped while your debt consolidation program is in progress.

Another tip is to debit the bank account for which you have borrowing costs if possible. You will want to start a new account before you close your existing account and under no circumstances receive flash credits under the new account. You must treat the Payday Loans as an addiction. If you are going to stop it, stop it, because repeating the mistake will only make it worse for you.

If you need money, receive bad credit cards and pay them on time to build up your credit. Pay more than the minimum payment and use them to pay bills, so that you can pay what you have to pay while you build up your credit. No debt consolidation company can legally advise you to close your account, but sometimes this is the only way to prevent payments from being processed and giving you hundreds or even thousands of dollars in current account costs. This was the easiest way for me because I had so many loans and it would have cost me $ 25 for every processed stop payment plus the bank might have missed some of it.

I also want you to know that the cease and desist letter can be used for any type of collection and not just for flash credits. It is important to know your rights and you can find them online on the website of the Federal Trade Commission, where you can find out more about the law on debt collection. You learn what creditors can and cannot do with regard to the collection of your debts and how you can stop inappropriate and intimidating behavior.

I do not encourage anyone to get a Payday Loans because it can easily get out of hand. If you need to get a payday loan, make sure you get a low-cost loan far below the normal $ 30 per borrowed $ 100.

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mantrablog-blog1 · 5 years

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The PayDay Loan Web - Don't Be a Needy Fly That Gets Caught in This Web

the term payday loan starts with the letter "p" which is the same letter that starts off the words pain, penalty, poor and poverty. Both the internet and the physical world are full of places where you can get a loan with bad credit, no credit check, and no employment verification but what these modern day loan sharks don't tell you is that their interest rates are so high that one day you may end up with the payday loan mafia coming after you!

Sure, these loans look very attractive to those in financial need that are unable to get a loan by conventional means but when the facts are presented what you have to pay back just isn't worth it. This fictional character that we all refer to as "guido" which is the person that comes to break your arms and legs when you don't pay a loan shark back is in existence in a different way when it comes to payday loans. Instead of your arms and legs the payday loan guido comes after your heart, soul and peace of mind. http://www.gadgetidiots.com

Payday loan places make their offerings look so attractive but it is all an illusion because who can really see when they are desperate? What you don't want to happen is for what appears to be a temporary solution to become a long term problem and many times that is exactly what happens.

I've been caught in the payday loan otherwise known as payday advance web many times. Sometimes life's circumstances leave us very few choices and we decide to do what we feel like we have to do to buy gas and put food on the table. Like I said, i've been there before and as a survivor of payday loan debt I have knowledge that can help you.

I want you to ask yourself a question which is, "if you don't have enough money to get by what makes you think you can payoff a loan with 300%- 700% interest?" You might as well sell your first born child. Payday loans may seem good in the short run and you may get instant gratification and even a rush when you hold that cash in your hands or see it in your bank account but in the long run it is a race that many can't win.

My story, like many, was that I obtained payday loans to cover immediate expenses I needed cash for but didn't have money to pay the loans back so I got extension after extension paying out ungodly amounts of money. Before long I was getting new payday loans just to pay the other payday loans I had received. I was trapped in a vicious cycle with no way out and a ton of stress upon me. I became a needy fly caught in the payday loan web, especially since most of my loans were online loans; I was literally in a virtual web. The payday loan spider sucked the life blood out of my bank accounts and I didn't know what to do.

Please understand that you can't solve a problem with a problem and you can't come out debt by creating more debt. The solution to your debt starts with gaining additional income sources and paying off existing debt little by little so you can be free. In my own personal payday loan crisis I got up to almost $7, 000 worth of payday loans and when renewal payment time came my entire paycheck was gone. This is a miserable experience that I pray you can avoid. You might already be at this state but even if you are I have some suggestions for you that will offer hope.

The first thing you have to do is to make a conscious decision to get out of this situation. Decide to change and become a butterfly rather than a fly caught up in the payday loan web. When a caterpillar is going through the metamorphosis in the cocoon in order to become a butterfly there is a struggle. The struggle is in fact what makes the butterfly great because the struggle to get out of the cocoon transformed actually pushes fluid from the butterfly's body into its wings so that it can emerge in beautiful flight. This process may be a little painful but it will help you fly and be what you were made to be.

One thing that I did was to become an affiliate for payday loan companies so that I could get paid from other people acquiring payday loans. Some people are just going to get them so there is no reason why you shouldn't get paid from the process that made you pay so much. The second thing I did is what really helped me which was to get a payday loan consolidation company to take on my debt at a reduced amount and pay the payday loans back for me on my behalf. It was one of the best choices I ever made and it was a way out of the payday loan web.

You can do a Google search to find companies that will represent you in this way but do your research and make sure that the company you choose is credible. I used pdl assistance, inc. They require an upfront fee to take your case but they will work with you on paying it and it is around $200. Next you set up a plan to pay them a monthly amount on your payday loan debt and they pay your debtors directly. They will give you different term options to pay the debt off and they will deal with the payday loan companies for you. Doing this took a huge weight off of me. I got a 12 month term to repay my payday loan debt at 35% of what I owed the payday loan companies. The $400 a month I was paying on this plan was much better than the $700 plus every two weeks I was paying for all the loans I had.

One important thing to know when you start a payday loan consolidation program is that the payday loan companies are going to call you to collect. When they call just give them the information for the company that is representing you and let them know that the debt is going to be repaid to them as part of a loan/debt consolidation program you have initiated. I obtained the fax numbers to my payday loan companies and sent them notification on who to contact regarding the repayment of my loans. If you do this make sure to include your account number and social security number so they can properly locate your account.

Some companies will continue to try and collect from you in spite of this so I have another suggestion if this happens. If you get numerous collection calls after you have informed them about your debt consolidation you need to fax and/or send them a cease and desist letter. You can get a template off the internet and submitting this letter will stop the collection calls while your debt consolidation program is in the works.

Another tip is to close the bank account you have the loan fees being deducted from if possible. You will want to start a new account before you close your existing account and under no circumstances get payday loans under the new account. You have to treat the payday loan habit like an addiction. If you are going to stop it then stop it because replicating the mistake will only make things worse for you.

If you need money then get bad credit credit cards and pay them on time to build your credit. Pay more than the minimum payment and use them to pay bills so you can pay what you need to pay while building your credit. No debt consolidation company can legally advise you to close your account but sometimes it is the only way to keep the payments from being processed and causing you hundreds or even thousands of dollars in overdraft fees. For me this was the easiest way because I had so many loans and it would have cost me a $25 fee for every stop payment processed plus the bank could have missed some.

I also want you to know that the cease and desist letter can be used for any type of debt collection and not just payday loans. It is important to know your rights and you can find them out online at the federal trade commission's website where you can learn about the fair debt collection act. You will learn what creditors can and cannot do regarding the collection of your debts and how to stop inconvenient and harassing behavior.

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