Harassing Payday Loan Collectors – How To Eliminate Them Now!

By Shawn Lee Martin

harassing payday loan collectorsNothing is more frustrating than dealing with harassing payday loan collectors.

They will drive you out of your mind with constant non-stop harassment.

We have seen about every possible way these vultures use to scare and threaten people who have fell in the payday loan trap.

Well, there is a way to stop this kind of activity and it can be done as quickly as today, but people must be educated in how these companies work and who to reach out to for help.

Let us take a look at what is available out there for the borrowers to fight back!

Getting harassed by payday loan collectors?

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Know What You Are Getting Into

Most people are just happy to get some needed relief financially and do not think ahead about what could go wrong when they take out one of these loans.

The loans are set up to fail and about 80 percent of the time they do.

Let’s take a look at a typical payday loan and how they can go wrong quickly.

Sam needs an extra $500.00 for car repairs, but his credit is not good enough for him to have a charge card or for him to take out a small cash loan at his bank or credit union.

He can, however, go online and get the $500.00 deposited into his checking account within hours from an online payday loan company.

All he needs is proof of a job that pays $800.00 every two weeks and a checking account and he can get the money directly deposited within 24 hours.

What Goes Wrong

Now Sam has a two-week payday loan that cost him $150.00 in interest and is due in full on his next payday.

The total payoff is $650.00 and that is all well and good, the only way to use a payday loan service is to make sure it is paid off in full on that first due date BUT…….

You knew this was coming and yes, you were right.

On payday the loan company only took out the $150.00 owed in interest and now Sam still has an outstanding 2 week payday loan with a new $150.00 interest charge added to the original $500.00 loan with a total due on his next payday of $650.00.

Now Sam has a $500.00 loan that will end up costing him $300.00 to borrow for one month, an incredible interest rate indeed!

And that is if he figured out how to pay the loan off in full, as the loan company failed to point out he needs to call in within 3 business days before the loan payment is due and designate what he wants to pay on that payday, or they will just take out the interest due and recharge the loan with a new two week interest change.

A small point he missed when taking out the loan.

More Trouble!

pulling hair outNow he has the $300.00 already invested in the loan in interest and he calls and sets up a full payment of the loan because he does not want this to happen again.

He is at least happy he has that straightened out and he goes out and gets in his car AND…… (yes you saw this coming right?) his starter goes out.

Now not only does he need a $400.00 auto repair he owes $650.00 on this loan so he does the only thing he can do, he calls the loan company back and extends the loan.

To make a very long story short this ends up going on for several months and poor Sam ends up finally defaulting on his payments.

He blew up his checking account and lost it, and now has these psycho payday loan collectors calling 24/7 and threatening him with legal action and calling his boss and everyone he listed for reference.

Now you can see how quickly things can go bad, and this is actually a very mild story. Many people end up with three or more of these loans and thousands of dollars in debt.


Regardless of how a person ends up on the wrong end of these collectors, we have the solution to eliminate all of the collection activity within a day.

If you or someone you know is in this situation give us a call toll-free at 1.877.3-280.5100 or fill out our form for a no obligation free quote and we will take care of this problem.

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Getting harassed by payday loan collectors?

See how we deal with them

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16 thoughts on “Harassing Payday Loan Collectors – How To Eliminate Them Now!”

  1. Wow man, I gotta say I really enjoyed reading your article. I joined the car business for a little while and the pay was so up and down that I found myself needed to get a payday loan.

    Little did I know that my monthly payment would only be covering the interest, so it’s basically impossible to pay off! Wish I would’ve found this site sooner, great info.

  2. Really informative front page. Great analogy of what happens. All too often, we get caught in the day late and dollar short scenario. And there is always someone there to “help.” It’s nice to know that sites such as yours are there to not only educate, but to help and council in these situations. Nicely done!

    1. Hi, Valrie!

      Thanks for stopping by and yes, we want to be the place to go to for information and help with these loans.


  3. It’s upsetting that there are companies out there that prey on people in difficult and even desperate situations – leaving them worse off than before.
    Providing a service that can help people who’ve somehow found themselves in over their heads is, I believe a good thing. It’s far too easy to get credit now days and personally I think pay-day loans should be outlawed. There’s always another way that’s not going to end you in more trouble than when you started. It’s such a slippery slope…..
    What would your advice be to someone wanting to take out a pay-day loan?
    BTW I wasn’t able to click on your ‘click here’ buttons.

    1. Hi, Grabt!

      Thanks for stopping by and thank you for the tip on the links, they are no repaired!

      The best way to use a payday loan is to pay it off in full on the first due date, period! This will satify the loan and save the borrower a ton of hardships!


  4. These payday loan companies really are bad, bad news. The amount of people that have ended up ruined by them since they started out is nobodies business!
    In the UK now they are starting to nail down on these companies – politicians are starting to get in on the act ( at last ).
    Have you, yourself, ever experienced one of them first hand and how did it pan out?

    1. Hi, Chris!

      Yes, I have used these services in the past and have also gotten trapped in debt. I managed to find a payday loan consolidation company that got my debt cut in half and they helped me pay the whole bunch off in about 9 months. Best move I ever made involving this type of debt in my life.

      It is great that the UK is finally getting going on regulating these types of loans, they do destroy lives!

      Thanks so much for stopping by!


  5. Shawn,
    I had a friend in the early 70’s that could not live on his pay check. He would take out one of these loans every month to just eat (we only got paid once a month). I noticed what it was really costing him to get this money. I decided early in life that payday loans were not for me. After you start on them it is like an addiction and trying to eliminate them is a lot of work.

    1. Hi, John!

      That is a common problem with people and these loans. They get trapped and most people just do not see a way out, but we have one for everyone.

      Please help spread the word that we are here to help anyone who needs it with this kind of debt.

      Thanks so much for stopping by John!


  6. Dont forget the mail might run late, your work has an entry error, and you dont get your check. Then before you know it they own you (so to speak).

    I have seen people go in and borrow as little as $50 bucks only to end up paying literally hundreds in return.

    It dont matter the size of the loan.

    Curious, do you know if a smaller amount might be more dangerous simply because in a persons mind they will be thinking that it will be easy to pay off, and thus forget about the urgency?

    1. Hi, Travis!

      I agree, I have seen 50.00 loans end up in the thousands, and it just is not right.
      We will keep helping people until they no longer offer payday loans!


  7. Hi, Shawn.
    Well written story here. Kind of reminds me of someone in my younger days I once knew.
    Yep, been there done that. I had to use something of these services back then.
    I’m not going to admit to really being that character in your story, LOL!!


  8. Wow! I didn’t know payday loans were like that. How in the world can it be legal for them to get away with charging people that much? Thanks for the information!

    1. Hi, Liz!
      They are worse than I described. The horror stories just keep coming.
      They get away with this by buying off politicians and use lobbyists to influence the laws surrounding them.
      Sad, I know.
      Thanks for stopping by!


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