how do I pay off all the payday loans I have is there a debt consolidation for that?
362244
I don't think pay day loan companies work with debt counselors or consolidation firms. You're stuck. Pay them off immediately, no matter what you have to do and never go that route again.\n\nI have posted several answers about pay day and title loan practices. It is a total rip of and you're just playing with legalized loansharking at its worst. At 435% or more per year in interest, there is no possibly way to repay the debt with your actual income stream. You are upside down the moment you borrow the money, even if it is only $25.\n\nBorrow the money from a more favorable lender, even friends and family to retire the debt with the sharks and move on. Best of luck.
780895
Newsflash: Borrowing money to pay off debts only puts you further in debt.\n\nThe first step to getting out of the hole is to stop digging!
544208
Ditch the vacation.  You got into financial trouble by living beyond your means.  Don't make things worse by taking a vacation with money that you can use to pay down your debt.\n\nIt doesn't matter whether you pay off the cards in your name first or the ones that are jointly in your names.  You are husband and wife.  You're both in this together.\n\nPay off the cards with the highest interest rate first.  This will give you some measure of relief.  Then with the money that would have gone to making the minimum payments on those cards, apply all that extra money to paying off the card with the next highest interest rate.  While you're doing all this, make sure that you keep up the minimum payments on all the other cards.\n\nKeep repeating the process until all the cards are paid off.  And don't use *any* of the credit cards until the last one is paid off.  You don't need to be paying any new interest costs while you're trying to eliminate the old ones.
112888
I HIGHLY recommend the sites listed below for help and advice. Take it one day at a time. Start with a budget.Eliminate anything that is not a neccessity. Pay what you can. Start with your neccessities first. home, auto, health, etc. With anything left over start paying the minimum on unsecured debt. If you have anything left over pay more than the minimum on the highest interest debt. When that is complete then roll those payments into the next highest etc. Good Luck!
968889
If at all possible, go to your bank. They may be willing to give you a loan which means that you can pay your debt off with one automatic payment a month. I did this and I was amazed that they said 'yes'!\n\nOf course, this doesn't make the debt go away, you've still got to pay it back. The smart thing to do is get a grip on your finances, don't get into any more debt, and aim to pay the bank back quicker than they want you to.\n\nIf the bank isn't an option, then there's a website here with lots of information, pros and cons of debt consolidation. If you go down this route it really does pay you to do your own research and shop around.\n\nGood luck!
33351
There is no free money to pay off your student loans.  Call them and have them put you on a payment plan.  Or go to www.DirectLoans.com, they will help you by consolidating your student debt and put you on a repayment plan that you can handle, whether it be $5/month or $500/month.  Student debt is something you can never get out of.  The gov't has actually said this year that they *will* garnish your SSI checks when you are older if you still have outstanding student loan debt.
981142
There are several debt consolidation loans that are available, to be quite honest with you the ones that you see on television are not all they are cracked up to be, and you should really wiegh all the pro's and con's of putting certain debt into your mortgage. IE car loans depending on your circumstance usually do not make since to put into a mortgage if you are going to be in the mortgage for a longer period of time than the car loan which is the case 99% of the time. To get information on different types of debt consolidations loan and even use tools to help you decide which type is best for you along with qualifying for that loan, low rates log onto http://www.justgetaloan.net/  or you can reach me Jenold Freeman at 866 530 7300 ext 7305 or email me at jfreeman@justgetaloan.net.
470491
Debt consolidation - learn to budget\ntry learning a trade by taking a class at community college.\nGet a cheaper place to rent(or get roommate) - try carpooling to save money on gas - try to quit bad habits(like smoking/drinking etc.)\n400.00 more a month - comes to a 100.00 a week - that can be made at a part time job.
370659
You will not find terms like that from a payday loan operator. You might want to try a personal friend.
678531
I would do whatever necessary including selling assets or getting a second job to payoff payday advances. I would also get budgeting advice on how to make your money last until payday and have savings for emergencies. \n\nPayday lending is the subject of controversy. Critics claim that payday lenders target the young and the poor, in military bases and in low-income communities, who may not understand the time value of money. Some even compare payday lenders to loan sharks due to high interest rates — typically 250% or more over a year. There have been cases in which payday lenders have pursued criminal bad check charges, despite the fact that they knew the check was bad at the time when it was written. Likewise, it is argued that the interest rates on payday lending unfairly disadvantage the poor, compared to the middle class who pay 25% at most a year on their credit cards.\n\nDefenders of the higher interest rates state that payday loan processing costs don't differ much from their higher-principal, longer-term counterparts such as home mortgages. They argue that conventional interest rates at these lower dollar amounts and shorter terms would not be profitable. For example, a $100 one-week loan, at a 20% APR (compounded weekly) would generate only 38 cents of interest, which would fail to match costs. North Carolina has banned the practice.\n\nYou will never get ahead financially if you borrow money at such high rates of interest. You need to look for a non-profit financial counselling service in your local area to help you.
450128
There are a lot of companies out there that do "consolidation" loans that I believe you are thinking about.\n\nThis type of loan often gives you enough to pay off all your smaller debts and can give you some extra money on top.\n\nNormally though they require collateral (IE a house) but a lot of the companies do take people with less than perfect credit history.\n\nStick on your TV and you'll soon find an advert for a company of this type.
642757
The interest will kill you.  Don't bother with payday loans if you can help it, the interest rates are outrageous.
749025
What kind of bills?  Don't take out a loan to pay bills like utilities, phones, cell phones, etc.   You should be able to pay these with your normal income. \nTalk to your lenders if you have excessive montly notes and see if they will reduce your payments for you.  You can also go see a free debt reduction counseler to help with this. They may even contact the lenders for you to help. \nWrite out a budget with your income and stick to it for a while until you get things under control.
371351
Go with the Dave Ramsey method, pay minimum payments on largest debt while paying more on smaller ones and get the smaller ones paid off first.  Then when you get one paid off, put that much more on the next one.  I am doing this and it works!  I have lived paycheck to paycheck and have now paid off over $2,000 in debt so far in 2006.  It works!
7532
1. Cut them up and stop using them.\n\n2. List the balances, smallest to largest.\n\n3. Pay off the smallest debt first, as fast as you can.\n\n4. After paying the first one off, apply that payment to the second debt and pay it off as fast as you can.\n\n5. Keep repeating this process until they are all paid off.  It's called the debt snowball method.
793237
I haven't heard of this program, but be very cautious getting into any "payday lender" situation. Often the interest rates that they collect are quite high, and make it difficult for you to get the loan paid off.\n\nI'm certain there's far more information on the internet about these types of loanss. In general, though, be careful.
213899
Loans are not always the best way to get away... increase your income or decrease your spending. If you have employment and a savings or bank account... payday loans are sometimes helpful.