I am in a mess I hvae bad credit and have taken out payday loans but now can’t pay them what should I do?


I work full time but since my divorce have not been able to get back ontrack and can’t get anyone to loan me money. If I could find someone to let me borrow $3000.00 and not be a payday loan that would be great but I have applied everywhere I know to apply. Anyone help in advice?

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5 Comments

  1. Brian says:

    get ahold of a debt counselor immediately, no more loans!!

  2. Cougarbait says:

    REQUEST FOR URGENT BUSINESS RELATIONSHIP

    FIRST, I MUST SOLICIT YOUR STRICTEST CONFIDENCE IN THIS TRANSACTION. THIS IS BY VIRTUE OF ITS NATURE AS BEING UTTERLY CONFIDENTIAL AND ‘TOP SECRET’. I AM SURE AND HAVE CONFIDENCE OF YOUR ABILITY AND RELIABILITY TO PROSECUTE A TRANSACTION OF THIS GREAT MAGNITUDE INVOLVING A PENDING TRANSACTION REQUIRING MAXIIMUM CONFIDENCE.

    WE ARE TOP OFFICIAL OF THE FEDERAL GOVERNMENT CONTRACT REVIEW PANEL WHO ARE INTERESTED IN IMPORATION OF GOODS INTO OUR COUNTRY WITH FUNDS WHICH ARE PRESENTLY TRAPPED IN NIGERIA. IN ORDER TO COMMENCE THIS BUSINESS WE SOLICIT YOUR ASSISTANCE TO ENABLE US TRANSFER INTO YOUR ACCOUNT THE SAID TRAPPED FUNDS.

    THE SOURCE OF THIS FUND IS AS FOLLOWS; DURING THE LAST MILITARY REGIME HERE IN NIGERIA, THE GOVERNMENT OFFICIALS SET UP COMPANIES AND AWARDED THEMSELVES CONTRACTS WHICH WERE GROSSLY OVER-INVOICED IN VARIOUS MINISTRIES. THE PRESENT CIVILIAN GOVERNMENT SET UP A CONTRACT REVIEW PANEL AND WE HAVE IDENTIFIED A LOT OF INFLATED CONTRACT FUNDS WHICH ARE PRESENTLY FLOATING IN THE CENTRAL BANK OF NIGERIA READY FOR PAYMENT.

    HOWEVER, BY VIRTUE OF OUR POSITION AS CIVIL SERVANTS AND MEMBERS OF THIS PANEL, WE CANNOT ACQUIRE THIS MONEY IN OUR NAMES. I HAVE THEREFORE, BEEN DELEGATED AS A MATTER OF TRUST BY MY COLLEAGUES OF THE PANEL TO LOOK FOR AN OVERSEAS PARTNER INTO WHOSE ACCOUNT WE WOULD TRANSFER THE SUM OF US$21,320,000.00(TWENTY ONE MILLION, THREE HUNDRED AND TWENTY THOUSAND U.S DOLLARS). HENCE WE ARE WRITING YOU THIS LETTER. WE HAVE AGREED TO SHARE THE MONEY THUS; 1. 20% FOR THE ACCOUNT OWNER 2. 70% FOR US (THE OFFICIALS) 3. 10% TO BE USED IN SETTLING TAXATION AND ALL LOCAL AND FOREIGN EXPENSES. IT IS FROM THE 70% THAT WE WISH TO COMMENCE THE IMPORTATION BUSINESS.

    PLEASE,NOTE THAT THIS TRANSACTION IS 100% SAFE AND WE HOPE TO COMMENCE THE TRANSFER LATEST SEVEN (7) BANKING DAYS FROM THE DATE OF THE RECEIPT OF THE FOLLOWING INFORMATIOM BY TEL/FAX; 234-1-7740449, YOUR COMPANY’S SIGNED, AND STAMPED LETTERHEAD PAPER THE ABOVE INFORMATION WILL ENABLE US WRITE LETTERS OF CLAIM AND JOB DESCRIPTION RESPECTIVELY. THIS WAY WE WILL USE YOUR COMPANY’S NAME TO APPLY FOR PAYMENT AND RE-AWARD THE CONTRACT IN YOUR COMPANY’S NAME.

    WE ARE LOOKING FORWARD TO DOING THIS BUSINESS WITH YOU AND SOLICIT YOUR CONFIDENTIALITY IN THIS TRANSATION. PLEASE ACKNOWLEDGE THE RECEIPT OF THIS LETTER USING THE ABOVE TEL/FAX NUMBERS. I WILL SEND YOU DETAILED INFORMATION OF THIS PENDING PROJECT WHEN I HAVE HEARD FROM YOU.

    YOURS FAITHFULLY,

    Quit With The Payday Loans Already.

    NOTE; PLEASE QUOTE THIS REFERENCE NUMBER (VE/S/09/99) IN ALL YOUR RESPONSES

  3. kingdoms_heritage says:

    Wish you asked that question before you went to the loan sharks.

    What you have to do now is set up a budget and stick to it. This time last year I owed over $6000 in credit card debt. It’s now half that b/c I destroyed my credit cards, paid off little by little, kept within my budget and…well…unless it’s rent, gas, electric, or food…it wasn’t worth buying.

  4. bmd says:

    Payday loans are the worst.
    Youre not helping your bad credit by applying for a bunch of loans. From a credit angle I suggest getting your 3 free reports from annualcreditreport.com and seeing how bad your credit is.
    Its very easy to repair your own credit.

    Also a good higher risk lender is american general, though you may need collateral, not sure. I think they are at loansfast.com

    I dont know if you have a lot of other debt to merit bankruptcy, and while Id usually avoid a bk, if youre totally buried and dont see any way out then there is that avenue. A chapter 7 wipes all your debts away and it is a clean start.

    And though this doesnt help your problem at all…. remember that its only money. Youve got your health (i hope) and theres a lot of things that could be wrong that would be worse right?

  5. ♥Poetic~1♥ says:

    Please DON’T listen to cougarbait, that is a scam! I researched it and then it appeared on the news.. it is a SCAM!

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