i have a payday loan of 431 in which i've been pay

i have a payday loan of 431 in which i've been paying 115.00 a month as refinance & I can do this only 4 times then the whole 463 is due on a auto draft from my bank , I can pay it bk. however I'd like to pay it off now along with a couple pawn shop bills in all I'm looking for someone i could get a thousand dollors in which i cold pay bk. on a monthly basek, for im on disibilty and i receive monthly payments.

2 Answers

You haven’t mentioned the name of your state. You should check whether or not the pdl company is licensed to operate in your state. If you find that they are licensed, then you will have to pay the principal with interest and fees. If you find that they are not licensed, then you are required to pay only the principal amount. If you are in a financial crisis, then negotiate with your lenders. You may try to arrange a better repayment plan with them to payoff your debts.


What state are you in and who did you borrow from?  Is the loan even legal??

How to Deal with Illegal Loans..OhioGal's Primer
http://www.debtconsolidationcare.com/paydayloan/dealingwith-illegallenders.html
PDL's are ILLEGAL in the following states...
AR, AZ, CT, GA, ME, MD, MA, NJ, NY, NC, PA, VT AND DC
OH AND NH have very restrictive low cost interest rate laws.

SOL for all states
http://www.debtconsolidationcare.com/statute-of-limitation.html

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