I Can’t Pay My Payday Loans!

By Shawn Lee Martin

i cant pay my payday loans I talk a lot about calls we get here at “Help With Payday Loan Debt” on this blog because the stories are all believable and true like the one I got today that started with Alicia hollering to me over the phone: “I can’t pay my payday loans!”

Now there is really nothing easier than repeating the stories on this blog as they unfolded with our clients as it not only makes good reading and it is honest and helpful but there is also another reason!

The best part is many times new visitors that read these stories are living in the exact situation they are reading about and this makes them understand we know what they are going through!

[ Living one of our clients stories and need help? Click here to see how we can write the ending for YOUR story by eliminating your payday loan debt!]

Alica’s Story

Alicia’s story is like many of the other client stories we have been told over the years and one that we have heard the most!

She was short on money due to a family emergency and took out a payday loan. She then ran into the same problem that led her to that first payday loan, another emergency.

This cycle repeated itself until the number of active payday loans she had at one time exceeded the amount of money she was making.

In other words, she had exceeded her ability to make the required payment amounts because they exceeded her paycheck total and thus the reason for her hollering in the phone to me: “I can’t pay my payday loans!” 

Our Solution

We offered just what Alica was looking for.

We took her payday loans and we worked directly with the companies, and Alica never had to speak to them again!

She was experiencing collection action and constant phone calls from the payday loan companies and we stopped all of that activity in its tracks!

We renegotiated her loan balance, getting almost 75% of her interest deducted and we set her up on a payment plan that would eliminate her payday loan debt within 11 months!

We made her payments and settled her debt and the next phone call we received from her was quite a bit different from her first one!

Alica was smiling again and her payday loan debt was out of the picture, she no longer had to waste another minute thinking about it and she thanked us for changing her life!

Now those phone calls can come in all day long!


Alica did the right thing by calling us and there really is no reason to worry about payday loan debt.

If you are I trouble with these loans give us a ring toll-free at 1.877.280.5100 or fill out our form for your free quote today!

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[ Living one of our clients stories and need help? Click here to see how we can write the ending for YOUR story by eliminating your payday loan debt!]


18 thoughts on “I Can’t Pay My Payday Loans!”

  1. I am caught in that very same payday loan trap, it started with a title loan ( big mistake # 1) then realising Due dates, and interest fees fell before my actual pay dates, pushed me to borrow from ” other ” pay day loan places, and when they started depositing the checks, it dipped into and impacted my money to pay my rent and other monthly expenses- I am ashamed, and wish I’d never gotten into the mess I am in…..what are your fees, and can you do something for me?

  2. You are offering a very needed service here. It is unfortunate that so many people get caught up in these payday loans without thinking about the long-term effect it will have on their finances. I was wondering if you ever come across companies that aren’t willing to negociate? What do you do if that happens?

    1. Hi, Cathy!

      They all negotiate because they will take any money they can and if they do not have to asert any effort to make it they come running.

      This is a win win for them and the customer.


  3. Hi Shawn,

    I’m no other than most of the other visitors, this is the first time I heard of the term payday loan.

    It is good to know that this things existed and can actually be used and although it is kinda like a double edged sword. With the existence of your services. The risk of getting into trouble with this loan can be minimize.

    I wish more people will know about your service so that they can get out of trouble just like Alica did.

    1. Hey there!

      One of our jobs is to inform people about how risky these loans can be along with helping anyone who gets in trouble with payday loan debt.

      Thanks so much for stopping by!


  4. I think the services you are offering here are crucial.

    I have had experience in the past too, and what i found, is that a lot of the time these Pay Day Loan companies will arrange the finances for you without considering your current situation.

    I was struggling some time back, and although I had some debt that I was struggling with, a pay day loan company offered to loan me some money without even looking into my current finances.

    Finally i went for some help (similar to what you are saying here) and they too managed to wipe some of the debt away and the companies were no longer communicating with me directly.

    You do a great job here, but sometimes these debts can be avoided if there is more care given by the lenders. What do you think?



    1. Hi, Chris!

      So glad you found the help you need!

      It can be very difficult to deal with by yourself and I am glad you found support.

      Remember we are here if you ever need help again!


  5. This is a great way of helping people that have taken pay day loans, I’ve read an article that says these companies are brutal especially with interest rate that they charge people for taking out these loans. If someone have a few of those loans out and were to come to you for help,how soon would the phone calls from these companies demanding there money stop? Also how long does the process take to eliminate the debt that’s owed to these companies, once someone becomes your client?

    1. Hi Sabine, great questions!

      We stop all of the calls and any other collection activity immediatly.

      A client is usually completely free of their payday loan debt within 18 months, many within the first 6 months!


  6. Dear Shawn: Great stuff and very interesting company/approach! I love how you were able to help this poor woman and all that within less than a year! Very cool! What process do you use to structure payments to more than one creditor? Do you guys take the funds and then disperse them to the various creditors or do you set-up new, lower-interest, individual payments for each creditor on behalf of your client?

    Thanks, Joel

    1. Hi, Joe!

      We take the funds and disperse them among the multiple companies. We do not hold their payments over 2 weeks and we pay the loan companies directly. A client once signed up with us need not ever talk to the payday loan company again.

      Thanks for stopping by Joe!


  7. Great job what you guys are doing seems to be an interesting topic and it seems that you exactly what you are doing. Even though i would like to know something more about it.

    Do you give people advice how to earn more money ? or only help with there debts?
    Do you also have some general advice for me how to prevent this kind of problems? Because there are also a lot of debts that you can use in a proper way.

    Kind regards,


    1. Hi and great questions!

      Let me tackle the the first one.

      We do have a page on ways to find help when you are in need of that but not really a how to make more money page. Take a look at this one and see if it will help in that area:

      Free Available Resources

      You may also find this next link helpful in how to use a payday loan the right way!

      How To Use Payday Loans

      I hope this helps!


  8. I also never heard of Payday Loans before but this is for sure something good to know and have just in case I need some extra cash, which we all can use some extra every now and then dont we?? haha unless we hit the jackpot which is not happening anytime soon for me.

  9. Greetings Shawn,

    I actually never heard of the term payday loans before, so this was interesting to read. Am I understanding the concept correctly: someone gets a paycheck, but they need more money to pay out debts, so they borrow against their next check. Is that correct? How would your service differ from debt consolidation?

    That you were able to get 75% reduction in interest is quite impressive!

    Thanks for providing the info, Shawn!

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