I Need Payday Loan Consolidation Help!

By Shawn Lee Martin

payday loan consolidation help
Payday loan trap!

I get at least 3 to 5 requests every day from someone whom is shouting “I need payday loan consolidation help!” and I completely understand what they are talking about.

These companies get down right nasty and will resort to just about anything be it moral or not to collect their money!

We have seen these guys do everything from trying to talk you into taking out more loans, rolling over the loans you already have even if both of those practices are illegal, to downright threatening to take your property.

We thought we better post some information on what these companies can and can not do when trying to collect past due payday loan debt.

Are you getting harassed by payday loan debt collectors?

Click here to see how we deal with them for you!


Collection Rules, Right!

There are many rules created state by state that payday loan companies are required to follow and most of the brick and mortar storefronts do follow then for the most part, but the online companies completely disregard any and all rules at any given time.

It is much easier to police the storefronts as they are a physical entity and complaints can be filed and investigated, and that is what has been happening around the United States lately.

Online companies on the other had are running wild and causing all kinds of headaches for both the borrowers and the banks.

While both companies call your boss, your friends and references, and you non stop when payday loans go into default, the online companies seem to just not care what the rules are.

I had one client tell me she was getting called anywhere from 20 to 25 times every 24 period from her online payday loan company and nothing she could say to them would slow them down.

Another client shared with us they simply could not come up with the interest payments  totaling $600.00 every two weeks for the 4 payday loans their online company talked them into, so they put a stop payment on the company at their bank since the payments were being taken electronically from their checking account.

This cost them $20.00 to do the stop payment, only to have the payday loan company resubmit the payment request under a different name.

We have been told of online companies repeatedly granting multiple payday loans in states that have banned them ans made them illegal, but the law is really hand tied in enforcing any of the rules.

These companies hide in other countries and change their names at the drop of a hat.

Remember, there are huge profits to be made with these loans and these companies feel the risk is well worth the payoff.

What Can You Do

The best thing to do is avoid these companies at all costs, but if you do have to use them use storefront companies only!

Do not use online companies no matter how quickly they claim they can get you the money! They will follow their own rules, their intrest structure is higher and the way they collect from you is set up for massive profits on their end of the loans.

Pay these loans off on your first due date in full and be done with them. Never roll over a loan or take out more than one at  time.

If you are already buried in out of control payday loan debt the best thing to do is contact us toll free at 1.877.280.5100 or fill out our form for your FREE no obligation quote and let us take your loan over and stop all the collection activity including any legal threats.

We can also reduce your interest usually by half or more and set you up on low affordable bi-monthly or monthly payments.


Payday loans have grown to epidemic proportions because of the huge profits these companies can make on each and every single loan they write.

Don’t be their bread and butter any more!

Let us help get them out of your life forever!
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Are you getting harassed by payday loan debt collectors?

Click here to see how we deal with them for you!

12 thoughts on “I Need Payday Loan Consolidation Help!”

  1. Wow this is a great way of looking at it. You are doing an amazing job in helping people with their payday loans.

    I know that I have been thinking about taking out these types of loans in months where you’ve had some extra expenses.

    Thank God that I never did!

    You’re right that there is an epidemic with these kinds of loans and there is not much to do to stop them.

    The only way to stop them I think is to do like you do, educate people about it.

    If you had to take a payday loan and used a storefront place what are the things you should look for?

    Thanks for the great read

    1. Hi, Marcus!

      Thanks for stopping by and thanks so much for the nice compliments!

      If were to take out a payday loan I would want to follow the advice in How To Use Payday Loans

      Please spread the woird that we are here for everyone whp needs help with payday loan debt!


  2. HI Shawn,
    you are doing a great service by helping people in this horrible situation. These loan companies really do prey on people in a tough situation and really need some help. Unfortunately, once a loan is taken from these companies, as you mention in your article, the viscious cycle begins where they can’t pay and then end up taking more loans.

    1. Hi, Julie!

      You are so right and once the cycle starts it is so hard to get out of it!

      Thanks for stopping by and help spread the word that we are here!


  3. Shawn, this is a very professional looking sight with quality engaging content.

    This sight would be helpful for those who are caught up in a viscous cycle of weekly visits, and want a way to get out.

    If I did not know any better, I would think this sight is part of some larger corporation. Good luck with your online business.

    1. Hi, Maurice!

      We are a stand alone website that collects customers for a parent company.

      I built this site for the sole purpose of helping people get out of payday loan debt and am happy to say we have helped thousands and are still going strong.

      Thansk so much for stopping by and spread the word that we are here!


  4. Hello Shawn Martin,

    It seems to be a scandal, these online loan companies must feel great knowing they don’t need to deal with their clients face to face. I have taken a few loans out before from a shop front and I was never harassed if I hadn’t payed the loan on time at least not to the extent of numerous calls over a 24 hour period.

    Really admire your theme of your site, really suits your content.


    Benjamin Paul Ward

    1. Hi, Benjamin!

      The online companies are ruthless and never have to see their customers. The just keep taking and have been known to call non stop at the borrowers home, work and relatives.

      We can stop all of that and much more. Spread the word that we are here and we love helping people!

      Thanks so much for stopping by!


  5. Hey Shawn
    I’ve been caught in the payday loan trap before, I always
    paid on time but I would have to take out another loan just to make it through the next week. These companies are shady and predatory with the expectation that you will default on your loan. That’s when the sky high interest kicks in. I’m glad there are companies like the one you’re representing out there to help.

    1. Hi, Randy!

      It is a cycle that never ends and the only winners are the loan companies.

      Now they have to deal with us and we love helping people eliminate their payday loan debt!

      Thanks so much foir stopping by!


  6. Hey Shawn this is an awesome site you have great content and excellent images and it’s very helpful to anyone needing this service or should I say protection from this type of ‘service’. The stress that comes from owing money is bad enough without getting harassed in the ways you described. At one time I owed over $7 million so I know the emotional turmoil debt can have.
    I am pleased to know you are looking out for people and applaud your efforts. 🙂

    1. Hi, Peter!

      Wow, 7 million! You are a true survivor!

      Thanks for stopping by and yes, you explained it right when saying emotional turmoil It can make you physically ill.

      We will continue to offer help with payday loan debt until no payday loan debt exisits!

      Please spread the word!


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