Payday Loan Consolidation and Debt Relief
- Payday loan consolidation can lower your monthly payment.
- Payday loan consolidation helps you pay off your payday loan debt quicker.
- Payday loan consolidation consolidates all of your payments into one affordable monthly payment.
- Payday loan consolidation reduces and/or waives renewal fees and ridiculous loan fees.
- Payday loan consolidation helps you avoid or reduce creditor and collection calls.
- Payday loan consolidation educates you in developing budgeting and consolidation skills to ensure you stay out of payday loan debt.
- Payday loan consolidation can increase your monthly cash flow.
- Payday loan consolidation can end the viscous cycle of fees.
- Do payday loan companies 'eat up' your paycheck every 2 weeks?
- Can you barely afford 'renewal' fees that never seem to pay off what you actually borrowed?
- Do you find you are taking out new payday loans to pay old payday loans?
- Are you barely able to afford your necessary bills each month?
- Gain Control of Your Money
- Learn To Stop Paying Enormous Renewal Fees
- Dictate Payments That Fit Your Budget
- Minimize or Possibly Eliminate Creditor Calls
- Take Control of A Collection Call
- Get Access to Consumer Rights Information
- Pay Less Each Month
- STOP Collectors From Calling You at Work
- Learn the Rules Payday Loan Companies Should Be Following
- Get Your Questions Answered From an Online Network of Peers and Pros
- Get a Free Consultation From a Payday Loan Consolidation expert
- Free Budgeting and Planning Tools to Help You Stay Out Of Debt
- DVD and Booklet explaining exactly how the program works
- Ultimately Eliminate Your Payday Loan Debt Without Needing Another
Real Payday Loan Help provides the information, tools and services necessary to consolidate your payday loans and help you save for future emergencies. The program has helped thousands pay off their payday loan debt and free themselves of that 'broke every Friday' mentality (or reality). Our purpose is simple...to give you every chance at success by offering different options to consolidate your payday loans and lower your monthly payment.
If you're trapped in payday loan debt and are running out of options Real Payday Loan Help can help. Our debt relief program can help you to consolidate your payday loans into one, lower affordable monthly payment so you have more money in your pocket each month. Find out how much you can save in 5 minutes by filling out the form above or calling us toll free at 800-910-8068.
How Payday Loan Consolidation Helps
Do I need Payday Loan Consolidation?
If you answer yes to any of the following questions than payday loan consolidation can help....
Picture this...no more phone calls from annoying, rude creditors. No more 'renewal' fees that you automatically pay every month so you can owe the same amount of money next month, (genius, who ever thought of that, right?). No more scrambling to find another payday loan to help pay off the last one. No more out of control auto-debits from your account. No more embarrassing calls to your employer or co-workers possibly putting your job at risk. No more questions about whether or not a collector is lying to you or about your rights as a consumer. No more fear that the bubble is finally going to burst, leaving you and your family with no money to live.
Now, let's be real. You borrowed the money. You want to pay it back. But you have been "trapped" in an endless payment process. Some payday loan companies can be reasonable though it seems many charge a huge interest rate and don't apply much or any of the 'renewal fees' to what was actually borrowed. This is a toxic combination which can lead to less and less cash flow and ultimately uncontrollable debt. Can it end?
YES! There are insider industry strategies that can put an end to all of this. Simple steps that payday loan companies don't want you to know so they can keep you in seemingly never ending debt. Now, for the first time, industry professionals have pooled together their knowledge in a simple step by step program which gives you the resources, confidence and services you need to eliminate your payday loans FOREVER through payday loan consolidation.
More Money In Your Pocket Every Month.
Not only can the The Real Payday Loan Help Program help you eliminate and consolidate your payday loan payments but it can actually help you increase your monthly cash flow. Industry professionals have the answer. They have the knowledge, resources and information to help you take control of your bank account...for good.
PROFESSIONAL HELP IS HERE
More Than A Payday Loan Consolidation Program...
Real Payday Loan Help prides itself on offering more than just a way out of debt. Our resources, insider information and
professionals provide the perfect combination to help you become debt free and most importantly, stay debt free. Here is just a few ways our payday loan consolidation
program goes above and beyond...
Insider Information From Professional Negotiators.
The Real Payday Loan Help Program utilizes insider industry secrets and professional techniques so your payday loans can be
successfully settled, consolidated or resolved...quickly. The epidemic is so large and so out of control that these industry professionals have made it their business
to share the secrets and strategies to eliminating payday loans with you.
This program comes with years of experience from professionals who have worked with consolidation agencies, settlement agencies,
collection agencies, payday loan consolidation companies and even lawyers. They have heard nightmare stories and worked with challenging cases to leverage the best possible
results with proven strategies. People trapped in payday loan debt, paying 'renewal fees' for months and even years without lowering the amount they borrowed have found
these strategies and insider tips working for them. Now these proven strategies can work for you. Simply fill out the form above and a counselor will contact you
We will help you break free from the payday loan debt trap for good. Call us toll free and get all of your questions answered in one quick, confidential call... 800-910-8068.
Fill out the form above and a counselor will contact you to help.
FAQ's and Disclosures (If you decide on a full service program which is eligible in your state)
How does a payday loan consolidation or a debt settlement program work?
Our program is designed to help you avoid enormous interest rates from renewal fees and rollover fees by attempting to settle your debts within a reasonable time frame and at a monthly payment that you can afford. It is important to note that there are many factors that go into the ability to obtain a settlement and we can not force creditors to work with us. Therefore, results may vary and not all creditors may agree to settle. When you make your monthly payments they are accumulated in your trust fund to be used for settling purposes. When a creditor agrees to a settlement we will receive it in writing and send it to you for your approval, or act on your pre-authorization. The creditor is then paid with your trust money. It may be marked on your credit report as "settled for less than the full amount" though we see more of these notations with credit card debts than we do with payday loan debts and it is possible the payday lender does not report to your credit report. Depending on the condition of your credit report at the time of enrollment a debt settlement plan may have an adverse effect on your credit report and credit score. We will be happy to help you try and remove any inaccuracies from your report during or upon completion of your program.
How can we help you to pay off less than your full debt?
In a payday loan debt settlement program and debt consolidation program we will aggressively work with your creditors in order to reach a mutually agreeable settlement or payment plan that avoids the large interest rates associated with payday loan debts. This is done through a series of negotiations, after you have saved funds, performed by professionals who are experienced in working with your creditors. Your hardship and financial situation will be explained to your payday loan lenders during the settlement process in order that a fair agreement may be reached. Keep in mind that no company or professional can promise or guarantee you that all of your accounts will settle. If they do so, this is your sign that they may not be shooting straight with you. The truth of the matter is that not all creditors will participate in negotiations. We will do our best to get you results as quickly as possible with industry experience and knowledge and not charge you for any creditors that do not agree to some sort of fair arrangement. Furthermore, all settlements will be approved (or pre-authorized) by you before they are paid.
Can we help with more than just payday loan debts?
We generally can help with any unsecured debt including, but not limited to payday loans, credit cards, medical bills, personal loans and business debts. However, every situation is different and we cannot guarantee that all creditors will agree to negotiate and/or settle. We will analyze your situations and let you know which creditors we will accept in to the program.
How will payday loan consolidation or settlement impact my credit score?
If you do not make required minimum payments to your creditor you may be breaking the terms of your agreement with them and your actions will can be reported to consumer reporting agencies as a late, delinquent, charged off or past due balance. This is true anytime you fail to make your minimum payments in a timely manner. After settlement your creditor may comment that the account was "settled for less than the full amount" on your credit report though we see less of this in dealing with payday loans (more often with credit cards and other types of unsecured debt). Depending on the condition of your credit report at the time of enrollment, a debt settlement plan may have an adverse effect on your credit report and credit score.
How do I check the progress of my payday loan consolidation process?
You can do this in a few different ways...First, you can always call our customer care representatives from 9-5 EST. They can let you know your trust account balance and help you with any other questions you may have. Secondly, you may track your payments and settlement activity through this website once you become an active client. You will also receive written correspondence from your creditors when an account is successfully settled.
What happens in your free consultation session?
Your personal counselor will go through a Personal Financial Analysis with you. This analysis is a detailed session that will identify your current situation, create a game plan to help reach your financial goals and review all possible options to find the right option for you.
What happens when we reach a settlement?
Once a settlement is reached, you are notified for your approval or you will have pre-authorized the settlement in your initial agreement (this depends on the settlement specifics). If you deem the offer as acceptable, we will immediately settle with your creditor or payday lender. You will then receive written notice from your lender that the settlement has been reached and paid as agreed, and that debt will be gone forever. This may be reported to the credit bureaus by the creditor so your report will reflect a zero balance on that debt.
What happens if I miss a monthly payment?
We may not drop you from the program for missing one payment. Our company understands that circumstances may arise and our main focus is to help you get back on track. The key to working through these times is communication. Simply let us know your situation, and together we will make reasonable arrangements to get you caught up. Keep in mind, If more than one payment is missed we may conclude that this program may not be right for you and your account may be terminated.
Are there tax consequences to debt settlement?
If your creditor settles your debt for more than $600 less than what you owed, the savings may be reported by your creditor to the IRS as Discharge of Indebtedness Income. You understand that Progressive Debt Relief assusmes that you enrolled in a payday loan consolidation consolidation program or debt settlement program because you are insolvent, having financial difficulties with your unsecured debts, and/or have used a Debt Settlement Plan to avoid filing for bankruptcy. The IRS website www.ustreas.gov says that you may be able to exlude Discharge of Indebtedness income if you are insolvent. For more information on tax ramifications to you personally please consult a tax preparer, CPA or Tax Attorney or refer to IRS Publication 908 "Bankruptcy Tax Guide" and IRS Form 982 "Reduction of Tax Attributes Due to Discharge of Indebtedness" available on the IRS website. Please remember that we are not accountants and you should consult your accountant with any questions.
Do you provide legal advice?
Progressive Debt relief does not provide legal advice or representation. Consult an attorney for legal advice and representation, including for information about whether bankruptcy is appropriate for your situation. By failing to pay creditors, you may be in violation with the terms of your agreement with your creditors, which may result in a creditor suing you.
How do I know if you will be able to settle my debts?
We do not get paid any settlement fee until we settle your debt so we certainly are motivated to get results. The acutal size of any debt reduction and the actual length of time that will be needed to negotiate a specific settlement or to complete your plan is not guaranteed. Any individual creditor may use a number of different critieria in determining that creditor's willingness to settle a debt or the amount acceptable in settlement, including but not limited to, the amount of debt, the current status of the debt, the reasons you are seeking debt settlement, the type of debt ant the amount of your disposable income.
What are your fees?
We charge no fees for settling your loans until a debt has been successfully negotiated for you. Once you make one payment towards the negotiated debt than a service fee applies to that particular debt. The amount of the service fee depends largely on the program you choose. Once a specific program is determined, your counselor will give you the specifics of your fee structure. Often we can save you from paying back the full amount that you owe to a particular payday loan lender (after your fees), though each lender is different. We are committed to making you fully aware of any fees that would be applicable and you will find our agreements are thoroughly transparent. In respect, Real Payday Loan Help (www.realpaydayloanhelp.com) is committed to investing in customer service to ensure that we deliver a high quality product that creates a positive end result for our client.
CLICK HERE NOW TO HAVE A PROFESSIONAL DO IT FOR YOU
People who have found success using these techniques.
"Thanks for your help. I appreciate each and every one of you at this company. You all have been great, patient and understanding. Thank you for your help in negotiating with my creditors."
- La Wanda, TX
"Thanks so much for your assistance. I can't tell you how much it means to us to slowly have the pressures of debt be lifted off our shoulders."
- Tonie, IN
"I am very pleased with the positive response I received in my situation to get my accounts settled. Another account has been set for a payment plan that is very workable to my situation and without your help this couldn't have happened."
- Loraine, TX
"Wow, I have not had a phone call at work or on my phone all day! You guys are awesome...I can't thank you enough."
- Annie, TN
"I just want you to know how much I appreciate your company for helping to take the stress off of me."
- Lena, TX
"The program was simple and I found a way to pay that I can afford and is easier. Thank you so much for your help."
- Chris, FL
"I would recommend this program to anyone that is interested in saving money and eliminating creditors from harassing them everyday. I am so happy to be free from creditors and having the feeling of knowing I don't owe anybody."
- Shekita, FL
Keep in mind, results will vary based on many factors, including but not limited to: who you owe, how long you've owed them and your persistence in following the steps in this program.