What happens if i cant pay my payday loans back?
Question by kaiceec: What happens if i cant pay my payday loans back?
i got into a situation where i needed money really bad. so i pulled several payday loans. Now i cant pay them back the fees are killing me to were i can’t pay my other bills what do i do they wont negotiate they just want there money or fees i keep thinking i will close my account then contact them after that and try to work out something. What can happen to me if i default on a loan please Only helpful answers i already feel bad enough
Best answer:
Answer by Kari M
Seriously, when in the same situation (desperate), I put up some fliers at the local market and cleaned houses on weekends, etc.
What do you think? Answer below!
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Your credit goes to crud. You get sued, you lose, the fees/costs pile up. They win the court case, they can garnish 25% of your paycheck. Or you declare bankruptcy, but I cannot imagine you assembling the cash needed to declare bankruptcy.
What I would do is get a second or third job, and pay them off one at a time.
Hopefully the lesson has been learned.
you are in a difficult situation but you can still get through it if you are still working. you should start by contacting the payday loan companies and talk to them and let them know you are in a tough financial situation and would like to make arrangements to payoff the loan in 3-5 payments because you do not want to default on them and want to see if they would come to some type of compromise. Most payday loan companies are flexible as long as they get some payments. i do work in the industry and i would accept a repayment plan instead of nothing.
you could renew your loan if your state allows it.