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Payday Loan Garnishment and How to Avoid It

An emergency situation has come about and you are not sure what to do about it. You need cash quickly to pay for a needed car repair or medical bill or to meet your rent this month and you do not know where to turn. You suddenly remember hearing about payday loans and that they can give lenders fast cash without any credit checks. You have heard the stories about payday loans but do not see any other way to help yourself right now so you take the plunge. You get the cash you need, but all of a sudden you now find yourself at the mercy of the loan companies for the long haul. Once you fall behind there is no getting out easily. When you are facing issues like payday loan garnishment you need to know what you can do to get out and avoid it.

Dealing with Garnishment

Payday loan garnishment primarily occurs because according to the terms of the loan you allow the loan company to access your bank accounts to take the payments needed to satisfy your loan. This means that the loan company can go into your checking or savings account and try to collect what you owe until your debt is satisfied. What often happens to people is that they are unable to meet the initial loan payment, causing them to fall behind, get hit with penalties, higher fees and interest and have loan companies take even more money out of your account. This will lead you to having your accounts constantly drained and overdrawn, costing you even more money.

Avoiding the Problem

Of course if you could go back in time you might think twice about taking that payday loan in the first place. Now that it is all happening to you, you can still take steps to avoid these problems. You want to turn to a service that can help you with your payday loan dilemma. Get services that will help you to put a stop to the lender accessing your bank accounts so you can get better control of your finances. They will then work with you and your lenders to iron out a payment plan that works.

You can put an end to payday loan garnishment when you have the right help behind you. Make the call to Real PDL Help today at 855-413-4998 or visit their website at www.realpdlhelp.com so you can find out the steps you need to take to end your payday loan problems.

Signs You are Ready for Payday Loan Consolidation

It may have seemed like a good idea at the time but that payday loan you took out has now snowballed out of control. You thought you would be able to pay the loan back right away but that payment came up faster than you thought and you could not make it. This meant higher interest rates, penalties and fees and you had to take out another payday loan to work to pay back the initial loan. Once this cycle starts it can seem endless and all of a sudden what may have been a loan for a few hundred dollars now has you owing thousands of dollars. If you find yourself with a payday loan issue, you may want to look out for signs that are ready for payday loan consolidation to help you out of this problem.

Stress at Every Turn

If you are feeling anxiety and stress each morning when you wake up and every night when you go to bed, it may be time for you to do something about it. Payday loans can turn out to be very stressful for you when you fall behind because it may seem impossible for you to find a way out of the mess you are in. The lenders keep calling, demanding more money, and accessing your bank accounts even though there is not enough there to pay the loan back. You find yourself worried all of the time that you are going to be ruined and you will not be able to care of yourself or your family.

Seeing the Light

At some point you will realize that you need help to get out of this situation. That help is going to come to you in the form of a payday loan consolidation service. The service has experts in the industry working to help you sort out the troubles you are having with payday loans. They will work with you to stop the phone calls and the lenders in your accounts. They will then negotiate an agreement on your behalf with the lenders for a payment settlement for all that you owe that has payments and a schedule you can meet.

Payday loan consolidation can be just the lifeline you have been looking for. If you have seen the signs and know you need help, call Real PDL Help today at 855-413-4998 or visit our website at www.realpdlhelp.com. We can provide you with the answers and guidance you need.

Are You Losing Sleep Over Online Payday Loans?

You may find yourself in the situation where you need to get your hands on several hundred dollars to take care of an unexpected bill, repair or payment and it may be a week or more before your next paycheck. What are you to do when you are faced with a nasty situation like this? Many people in the same boat have turned to the use of payday loans to give them a lifeline to fast cash. The problem is that most people are not aware of the dangers of having a payday loan like this can mean to them. While getting online payday loan may seem like a good solution at the time, it can quickly turn into a nightmare that keeps you up at each night.

Loans that Will Haunt You

Online payday loans seem great at face value. You can get the cash you need quickly put into your bank account without the need for any credit checks. This can help you to get the money you really need right away. The problem is that most people do not pay much attention to the actual terms of the loan that lead to interest accruing right away at a very high rate. The lenders want the loan paid back in full in a very short amount of time, often ten days or less, and failure to do so will mean penalties, fees and higher interest on the money you still owe. Very often they lead to you taking an extension or another payday loan so that you owe even more money than before and fall deeper into debt.

Finding a Way Out

While it may seem like there is no way to get out of this mess, there is an answer for you. You can get the help of a loan consolidation service that specializes in working with payday loans. This service has experts that will advise and work with you to get the lenders out of your back accounts and off your backs and help arrange a payment schedule that works for you so you can pay back your debt.

Do not let online payday loans run your life and ruin you. Take the steps to get the help you need the most by contacting Real PDL Help at 855-413-4998 or by contacting realpdlhelp.com. They can give you the guidance you need so you can stop losing sleep over your loans and claim your life back.

Ways to Stop Payday Lenders from Harassing You

There are different situations that can lead to a payday lender harassing you. One of these situations is that you’ve taken a payday loan and you haven’t paid it off. Now, your lender is harassing you with various phone calls. Because it can be annoying, you’ll try to know how to stop payday lenders from making those calls and prevent them from further pestering you.

On the other hand, you haven’t applied for a payday loan but a scam artist is claiming that he/she is from a payday loan company and he/she is now forcing you to pay it off.

Illegal Communication

Under the US law, your payday lender can’t repeatedly call or harass you. The lending company can’t threaten to increase your debt that’s beyond the interest that you agreed. It can’t also threaten to put you in jail or call you before business hours. If you ask the company not to call you at work, the company should respect that.

Cease Communication Letter

If your lenders won’t stop calling you, you could send them a letter to make them stop calling you. The letter could be simple but it has to indicate that you wish to stop your payday lenders from calling you at home or in the office. Then, tell them that you wish to be contacted through a letter.

Now, after sending the letter and your payday lenders ignore it, you should report it to the Federal Trade Commission and call a local state attorney general. If you need help in creating a cease communication letter, you could go to the official website of the Consumer Financial Protection Bureau and look for sample letters that you could use to write your own letter, or click here to fill out and print our letter template online.

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Don’t Be Afraid

Your payday lenders or their collectors aren’t allowed by the US law to threaten you. Now, if you want to stop payday lenders who threaten you of a lawsuit, you should ask for a case number. Don’t forget the name of the court where the suit has been filed.

If your lenders claimed that they’re working with law enforcement, ask for the enforcer’s name and the agency. Then, tell the caller that you’re going to contact the police department to verify the law enforcer’s identity.

When you receive a harassing phone call from your payday lenders, you should stay calm. You shouldn’t get too upset about it. Don’t show to them that you’re afraid of your lenders. If they could sense that you fear them, they’d continue to call you.

Payday Loan Help with Real PDL Help

Emergencies can come anytime. Your car breaks down or you become ill. There will come a point in your life that you need money to help you get through these emergency situations but you don’t have enough savings in your bank to assist you. Some people do resort to a payday loan that can help them make it through those difficulties.

But what happens when you get multiple payday loans and you need to make payments on them on top of your other financial obligations? To help you in achieving a better shape financially, you can ask for a payday loan help from Real PDL Help.

Counseling

Real PDL Help focuses not just guiding you in getting a payday loan consolidation program but we also offer counseling. We have our staff with years of experience in the industry. Our members can help you find alternatives to consolidation or settlement plans. We invest heavily in teaching our clients in finding a better way to resolve their financial situations. Our services are centered on assisting our clients in becoming more informed and be responsible for their finances.

Our central focus is to negotiate with your payday lenders to give you lower interest rates. We will make sure that late fees will be cut and see to it that you’ll be put on a reasonable monthly payment schedule with a more affordable minimum.

Once your debts have been paid off, you can still use our debt counseling tools to make sure that you remain fiscally responsible. On our website, you’ll find a great deal of information on how to solve and prevent future debt problems. You may use our resources as a tool to learn more about credit reports and scores, as well as responsible budgeting.

Real PDL Help as Your Credit Counselor

Our clients considered us as their credit counselors. We have a team of financial experts that you can talk to before taking out other loans. They can assist you in assessing your situation, thereby, determining the right solutions to finally pay off your payday loan. In most cases, we can assist our clients in getting a large consolidation program that can take care of their payday loans, unpaid medical bills, and credit card balances, among others. This program can significantly lower the amount of money that you pay on your debts as you’re only making a single payment every month.

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