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I just left a job from hell that was paying almost minimum wadge and one of the hardest office jobs. It was a payday loan company ... And two days before I got hired at a Gas station( that pays 1.00 more an hour to start with 2 raises in 60 days) so... I am just wondering the stories of others because after 9 months in that office I FEEL LIKE A WEIGHT HAS BEEN LIFTED!

Hi, This agency (supposedly a lawyers office but i found out that it is just a debt agency) keeps calling me at least 5-8 times a day (today alone he has called me 4 times within 1 hour) and threatening to take me to court if i do not pay him $160 for this payday loan from 2007 that I never received( I have NEVER even applied for one!!). He has been calling since march... Along with harassing me he also calls my mom's house and told her I have to pay or he is gonna sue me, gave her my name, social security number, address, date of birth etc. and also faxed her a paper with all my info on it. Do I have a right to take them to court for harassment and violating my rights? any advice or experience is helpful!!* Thanks Common Sense I've never had anything like this happen before I guess i just needed a second opinion :o)

don't need any lectures about loans this is a big emergency and no i can't sell anything

I need more than the 255 allowed in California, and I'd like to avoid going to multiple different companies and do the whole 1 hour application. Thx.

A few weeks ago I was thinking of taking out a payday loan but thankfully did not have to. Now this one company has called me 6 times in 10 min on my Cell and I asked nicely to please stop calling I am not interested, I am late with my cell so Verizon cant block the number till I pay my past due which I am praying I get the financial help for today for I have an appt in a 1/2 hour then they can block it. the guy at verizon told me to threaten to report them to the FCC but I failed to ask him how to do that. any suggestions? thanks......also No spam or scams please

My husband's brother got himself into a tight spot when he took out a couple of payday loans, so my husband and I decided to help him out. We paid off his two pay day loans (part on our credit card and part from an advance on his paycheck) so that he wouldn't have to deal with the financial mess they were going to cause. (Ridiculous interest that makes it virtually impossible to actually pay back the loans, ever) My husband and his brother are in the process of working out a re-payment schedule and my brother-in-law is also working to track his spending better so they don't need to keep borrowing money from us when they mess up. I'm not thrilled with my husband's decision to pay all of the loans, but I do understand and support it. He was willing to work some extra hours at work (about 15 extra hours a week) so that we can pay all of our bills and whatnot, and aside from the problems his extra part time work, I know we're going to be fine financially. But, my brother-in-law's wife, though, keeps posting about her outings and shopping trips and whatnot she's doing. Just over the weekend she posted that she bought a new pair of jeans, went out to the movies with her girl friends, and then went on another shopping trip. I know that it's not my business and that their financial decisions are their choice even if we are lending them money, but I'm still annoyed, frustrated, irritated, upset, and jealous about it. I know I shouldn't be, but I can't get past the fact that (1) we are broke until pay day in two weeks, (2) even when we do get paid we just have enough for basic expenses, and (3) my husband is working the equivalent of a part-time job so that he can help his brother out in the first place. How can I keep these negative feelings in check? I do support my husband's decision to help and love my in-laws.

I'm in need of some quick funds before I get to my next paycheck and I already know about loans and stuff , I just need a direct site to go to ( instead of one that sends me to a whole bunch of lenders that clutter up my email box)I'm not trying to go to a pawnshop or anywhere else . Just need to know about payday advance.

I have an old friend of mine who has been doing my taxes for many years. I have always paid at the time of services being done. This is the first year I have ever had to make payments on the services his business has done for last years 09 taxes. The issue is my accountant knew I was going to make payment on the $600 I owed for filing. I made large payment less than a week ago and since Monday I have had 2 emails and 1 call asking when is he going to get the remaining $400. It's annoying and I am shocked that he agreed to give me a couple of months to pay him and it's only been 5 weeks.... I made a trip to one of those payday loan outfits, got the remaining funds to pay this guy off in a money order. Should I just pay it off, and never use him again or let him know how it is. It's really annoying to have an agreement essentially ignored by him and I feel that I have been hounded this week for payment when he agreed I could take 2 months.. it's barely half over.. 11 hours ago - 4 days left to answer. Additional Details oh no!!! I have been paying every year I get my taxes done... this year I didn't have the funds up front due to financial issues. It's the first time in twenty years I had to make payments. I apologize if I was unclear about this. 10 hours ago

My husband and I just moved to a new duty station in Oak Harbor, Wa. I drove our 1st car here from san diego but it is expensive to drive. our 2nd car is a smart car and gets much better gas mileage. I just got a job at a casino and at the Navy exchange and I need to fly back to San Diego this weekend and get the car and get back to Washington by Tuesday morning. We need $400-$450 for the airline ticket and gas back to NAS Whidbey. We have talked to Pioneer Military Lending and Omni Financial and neither of them are in the Island and neither of them will be able to get the cash to us within 24 hours. Does anyone know of a walk in payday loan or cash advance able to lend cash instantly to military personnel? Its hard to find since the law was passed and most places do not lend to military.Navy Releif said no. We had one with them 6 months ago and they say no more than one in a year

I fell on hardtimes and had to do a payday loan I entered into a repayment plan and made the 1st of four payments but since my hours at work have been reduced I cant make the other 3 what will happen

Where and how (money making system, grants, service, organization, person) can you raise $1,500-$1,700 in 48-72 hours with very little or no income to show, you can refund guaranteed in 2-3 months? (I'm not talking about payday loans here) Regards

About a year ago I posted an ad on the Internet seeking English students to teach. A Mother saw my ad and ask me to come to her home to teach her daughter. The daughter had been in a special needs class and was assessed as Attention Deficit Disorder.The Mother was taking her out of school and homeschooling her. I tested the child and WOW was she bad in English and inconsistent with her ideas.The Mother and I sat down and decided to order some curriculums from the Homeschooling website and books and start a program for her at home 3 days a week. I agreed to bring a contract for the Mother to sign once I wrote it up after taking notes of what the Mother wanted me to do. I discussed the contents of the contract with the Mother for 6 hours.( she denies this happened). She signed the contract and it was witnessed by the Grandmother and then left for Russia for 1 month and returned the end of August 2008. In September 2008 I went to work at their home. The child was sooooooo bad to teach...fidgeting and distracted and constantly say"I'm confused. I don't understand etc etc". In November of 2008 , after I set -up the homeschooling and it was running correctly...The Mother told me that it was my last day and left me on the street. I had some books of her's and i told her that she was not getting the books back until she returned some of my personal possessions in her house. SHe told me that "if I as much as touched her family this little bit ( pointing to her thumb tip) I would be sorry. I told her it was my right to seek legal counsel and I would. In Jan 2009, I went to a paralegal who told me that the contract was good and I could take it to small claims court. From Jan to March 2009 we worked on the details of the claim and in April 2009 we sent the claim to the Mother's house. She got a "lady she knew who worked in a payday loan office to write up her defense" and claimed various things against me. The court set up a Settlement Conference meeting for June 2009. The Mother asked for an adjournment. In July 2009....July 28, 2009 we went to the conference. The Mother in the meantime on July 23, 2009, hired a BIG NAME LAWYER TO REPRESENT HER IN SMALL CLAIMS COURT AND ISSUED A LETTER TO MY PARALEGAL INFORMING HIM THAT BOTH MYSELF AND THE PARALEGAL WOULD BE SUE IN SUPREME COURT .... a lawsuit would be taken out and an injunction would be made against me for harassing and threathening the defendant on the phone over the last few months and have me declaredDANGEROUS AND NUTS AND TRAMATIZING THE 12 YEAR OLD DAUGHTER AND THE LAW SUIT WOULD BE FOR 100'S OF THOUSANDS OF $$ CAN. While at the conference meeting the Mother told the judge that I had suggested that her daughter do volunteer work for men in wheelchairs with postate cancer. The child was dramatized and has not recovered from my suggestion. I never said anything of the sort. TheMother also claims that i tried to convert her daughter to Buddhism while teaching her . I am not Buddhist and the story goes on with the Mother trying to defend herself in many ways. The judge declared my contract legal and binding. The Mother got angry and told the lawyer to create some threat. So the lawyer told my Lawyer she was going to seek an injunction against me and sue me for bigger things than this claim. In the end, the Mother agreed to pay me and settle with me for a small amount of money and I would leave the case alone. I agreed. The Mother told the judge that her complete defense was based upon what her 12 year old daughter was telling her and she would put her daughter on trial to defend her case. The judge told her that that was not suitable . The Mother was going to use her daughter to win a case for her. The daughter is 12 year sold so she makes up stories to get her way. The Mother has difficulty with the daughter and has to take her out of regular school and homeschool her because she is so snobbish and so arrogant about having money etc. My question is this ..........." An injuction ??? What for ??? Suing my lawyer also ...what for???? It was a simple contract law , small claims court issue and it escalated into a "Supreme Court lawsuit , why????I won a small settlement.The Mother was going to take it to Supreme court on the bases that she received calls from me and also I told her daughter to volunteer for men in wheelchairs that had postate cancer and "so called tramatized the daughter" and that I should be in criminal court not small claims court and she would develop the case with a very expensive and powerful lawyer and sue my paralegal for gettting invovled in Family Law which he has no jurisdication to practise .

K well like many out there i got stupid a year ago & had to take a Payday loan out to Survive, Well now im paying for it big time. Now i got several payday loans...& i cant keep this up. I learned my lesson But now i need to find a way to free myself. Im reacently Married & this has become a burden on both of us, If you read some of my Other questions you can see my Marriage is breaking apart, & the biggest cause are the fact we have few reasorces because of these Payday loans. Now I have already tooken many Steps: #1 I have already Closed my Old bank account to keep then from Withdrawing fees. #2 i have changed my cellphone number to stop them from duing the annoying calls BUT i still try to keep in touch to update. #3 I have TRIED to takeout a Loan with my Bank to pay these off but BOTH my wifes AND my Credit are Crap. #4 i have repetedly Called them trying to set up a payment plan With them but there Refusing to work with me or AT LEAST work with my budget. #5 i have basiclly completely Defualted on at LEAST 3 of them. so i can TRY to pay the others but our Budget STILL wont let me pay MORE then the fee's & charges. #6 we have set a budget & sold EVERYTHING we can afford to sell or can sell #7 We BOTH have tried looking for a 2nd job but neather of us can find one. to make things worse our current jobs have DRASTICLY cut our pay AND hours back. #8 we both live in Texas, & i have TRIED to Reaserch texas laws but i dont understand all of it. #9 I WAS thinking of Bankruptcy, Because we do NOT own a car or a house We rent from her In-laws, We have NO kids, Were both young in are 20's, Her Parents WILL NOT help us & I my Family gone... If i do file Bankruptcy i want to do it in a way that will NOT involve my wife in any way!....If i can. Mostly i dont know how to nor do i have the money to File Bankruptcy. can ANYONE help us consolidate? or know a way we can conslidate these loans?....Im so lost & WE NEED help....I knwo what i did was stupid in the past, I have learned my lesoon about payday loans, Now i Just want to escape & get a chance. PLEASE HELP..any Adivce wil lbe helpful.Please i dont need ANYMORE payday loans, I need help Do not Answer this if your solution is another payday loan!! or a loan that i cant get. Again i have crap Credit

Okay, here's the situation...it's long one so be prepared. About 3 months ago I had a co-worker confide in me stating he needed a place to live (he's 23 and was getting kicked out of his aunt and uncle's house). My fiance and I have a 3 bedroom 2 bath home, naturally we had an open room, and without even thinking about it I offered it to him (stupid on my part I know) the house and the acre it is on belong to my parents (900 a month rent, plus power, cable, etc) since it was just him I told him he could pay 300 plus a third of the bills. We didn't make him sign a contract (my fiance and I did with my parents of course...and they know about him moving in) because we thought he would be honest about paying on time. Well, then a month into him living here, he gets a girlfriend (I don't hold that against him of course) then his money just started disappearing. He wouldn't pay on time, then he asked if she could move in (she's 19...and life is just so rough at home she can't take it) we of course said yes, thinking oh good they can now pay half of everything (since that is only fair for 2 couples in a home...my parents know about this one as well) and according to him, since she has school she's not going to pay anything. As of July 8th 2009 they have both signed a lease agreement to pay 450 plus half of what the bills come to. I now have a notice stating that the power will be turned off in 24 hours (Monday at the lastest, but I don't want to wait that long), luckily I have a father that will not let me go without power and is willing, but not happily, loaning me the money to pay for the power. This month alone they own me $683.73 (450 rent and half of bills). They keep stating they have no money (which I am a very open easy person talk to when it's done in a timely manner), but 3 out of 4 of us work at the same job and I know when payday is. If I can make my rent and pay my part of the bills (which we've already called the power company, if we pay half the power will still be shut off) then they should be able to too. My fiance is unemployeed, he gets unemployment but that barely makes the bills, I pay the rent and then some because of back rent that is owed. The lease agreement states rent is due in full by the 15th (we we're running this as a trial month since they signed it later then the 1st) it also states that 150 plus what is due for bills is paid first paycheck of month (since that is our billing cycle) the do have a grace period of 5 days after the 15th since not all pay periods are before the 15th. Anyways (and I am sooooo sorry this is long) what can I do? I am sooooo stressed about this, I can't sleep. I would just like to scream, but if I do someone might hear and call the cops lol. I'd rather just evict them and deal with the rent and bills myself again. We did this as a favor to them and a favor to us, so far I see nothing but me being screwed. HELP please! Thank you!

until my next payday

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HELENA - Rebuffed by the Montana Supreme Court, opponents of aninitiative to cap interest rates charged by payday lenders asked aHelena district judge Thursday to stop the secretary of state fromcertifying it for the November ballot.

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In San Diego’s hemorrhaging real estate industry, it’s better to be upside-down and rich than upside-down and poor. That may sound axiomatic — it’s always nicer to be rich than poor — but carriage-trade folks whose homes are underwater can work the system more easily than poor folks in the same sorry situation.

To The Daily : I am not political or even affiliated with a party, but I heard this quote today and had to find out who had said this about our new Supreme Court judge and it turned out to be Sen. Jeff Sessions, and I quote, “an activist, liberal, progressive, politically minded judge who will not be happy simply to decide cases but will seek to advance her causes under the guise of judging.”