The Ultimate guide to payday loan relief
What you can do if you’re stuck
in the payday loan trap
Get help. Real PDL Help has provided debt relief to thousands of financially challenged Americans burdened with the payday loan cycle. With over a decade of experience, we know the payday loan industry inside and out and it's important to have someone on your side with experience in the law and debtor protections (see our payday loans map on the right), including how much and how many payday loans you can take out and what fees are permitted. Some states don't allow payday lending at all and others allow it but require lenders to be licensed. In certain states, if a payday loan is made by a business that is not licensed in that state, the payday loan may be invalid and/or illegal. In that situation, the lender may not even have the right to require the consumer to repay the loan. We can help identify if your lender is licensed and ensure you don’t pay a dime more than you need to!
Whatever your circumstances, getting payday loan help is fast and easy! If you're like most of our customers and have multiple payday loans with skyrocketing fees, we can enroll you in a debt management program in as little as a day, with the following powerful benefits:
• automatic debits eliminated;
• collections activity stopped;
• repayment simplified with a single, affordable monthly payment
• fees and interest eliminated
• repayment period extended to make it easier to save money and pay off the loan
And all of this with no effect on your credit!


Payday Loan Consolidation vs. Debt Settlement
What’s the difference between consolidation and settlement? With most kinds of debt, a "settlement" is an agreement for the debtor to pay less than the balance owed to a creditor, frequently as a single, lump sum payment. If a debtor is experiencing financial hardship or nearing bankruptcy a creditor may agree to a "settlement" in order to get back a substantial part of the outstanding loan when the entire amount is at risk.
The payday loan industry tends to work a little differently when it comes to settlement. Our payday loan consolidation plans typically include a settlement at the end of the extended repayment period. The final payment on the consolidation plan is the settlement. But even with that settlement, the full balance at the time you enter one of our debt management programs typically ends up being repaid in full. And that's better for both parties. Payday lenders recognize when a debtor consolidates, they stand to recoup the entire loan balance instead of pushing the debtor into a deeper hole which jeopardizes the entire loan. And for a debtor, even though the full loan balance is typically paid off, the total amount paid (cost of the loan) is astronomically less than it would have been, and with no effect on credit. Bottom line, payday loan consolidation can mean HUGE savings -- check this page for what we mean by huge. When fees and interest stop accumulating, and your payday loans are stopped from rolling over, you're able to get out of debt much more quickly. Your income goes further and can be utilized more efficiently to pay down the debt. Use our debt management resources below to calculate savings and expenses in the different possible scenarios.


POWERFUL DEBT MANAGEMENT TOOLS & RESOURCES
THE REAL PDL BLOG
Looking for more info about payday loans, debt management or how to stick to a budget? Browsing our blog is a great place to start.
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PAYDAY LOANS MAP
Are payday loans legal in every state? What’s the maximum interest rate? How many loans can you have at once? Every state is different. See our detailed interactive map to find out payday loan laws and debtor protections in all 50 states.
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Debt Calculators
How much are you really paying for those loans? How much can you afford? If you make a higher monthly payment, when will the loan be paid off? What’s your debt to income ratio? How long until you can pay off those credit cards? Use our online debt calculators to get quick answers about the important numbers and percentages impacting your financial health.
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Letters to Creditors
Use our free letter to creditor tempates featuring many common correspondence scenarios for consumers under the gun with payday lenders and other creditors. Type in a few pieces of information online and print your highly professional letter in minutes.
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HOW WE HELPED CONSOLIDATE
PAYDAY LOAN DEBT


SCOTT
Had $7,900 total in payday loans, and was paying $2,100 a month in fees alone! We set him up on a payment plan of $224.57 bi-weekly for 18 months to become debt free.


JANICE
Had $2,060 total in payday loans, and was paying $700 a month in fees alone! We set her up on a payment plan of $154.50 bi-weekly for 9 months to get become free!


ROGER
Had $2,800 total in payday loans, and was paying $1,200 a month in fees alone! We set him up on a payment plan of $307 monthly for 12 months to become debt free!
BECOME STRESS FREE WITH
PAYDAY LOAN DEBT RELIEF
Thankfully, there’s a way out!
At REAL PDL HELP, we offer a payday loan consolidation and debt settlement program that can lower the total amount you owe, reduce your interest rate, and get you out of debt sooner than you think is possible.
How can we do that? We’ll negotiate with each lender and ask them for favorable terms on your behalf. This could mean a smaller repayment amount every month and a far more affordable interest rate.
Take the first step to a debt-free future today!