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Payday Loan Consolidation, Is it Right for You?

Payday loan debt puts a strangle hold on many consumers. The promise of easy money without having to wait days on end for approval makes it too tempting for consumers who need cash right away. The fact is, cash advance lenders want their loan products to appear as though it’s easy money. The slick advertising campaigns on television, radio and in print don’t come with a big warning sign. But they ought to and here’s why.

The Payday Loan Debt Trap

Payday Loan Consolidation, Is it Right for You?Many consumers who’ve not taken out a cash advance loan don’t know about the payday loan debt trap. That cycle of having to roll over a loan every couple of weeks because it’s too much to pay back the principal and interest.

Here’s how the payday loan debt trap works. A consumer applies to borrower $300. But after fees, receives $280. In two weeks, the approved amount–not the net cash received–of $300, plus interest is due. Usually, this will come to $360. And that’s a lot of money to come up with and still have enough for living expenses–that’s the debt trap.

How USAsLoansNearME Payday Loan Consolidation Helps

Given the above example, it’s easy to see why borrowers choose to pay a fee to extend their loan rather than pay it off. But paying a fee roll over doesn’t do a thing to lower the principal and interest. So many borrowers wind up rolling over their loan more than once. If the borrower in the example above rolls over their loan just two times, the $280 cash he or she received initially will wind up costing $480.

But if the borrower makes an even worse decision as is talked into taking out a larger loan to pay off the smaller loan by the lender, then the problem only gets bigger. Unfortunately, many borrowers find themselves in this very situation.

To break free of the payday loan debt cycle, it’s best to get a group of professionals on your side. And that’s where consolidating payday loans comes in. An experienced and solid payday loan consolidation team will negotiate with your lenders to get you out of debt.

All you have to do is sign up for a program. After that, the payday loan consolidation team will go to work to help you get out of debt, once and for all.

Although I may whip him

By the time they got to the ER his breathing had returned to as normal as the pleurisy would allow and the pain had lessened. He refused to go in. He’s taller and heavier than ds, so ds couldn’t force him to. Ds called me and dh and I had “words”. He still refused to go in, insisted it was just a spell and told ds to bring him home. I told ds that he could head for home with him BUT if there was one wince of pain to turn around and get male nurses to bully dh into er. They came all the way home and dh took his pain pill that he was a little past due to take. He’s sitting on the sofa now, breathing ok, but still in pain from the pleurisy.
We’ve told him one sign of another spell we are taking him to the hospital in the closest town—this is a MAJOR threat, I wouldn’t even take my animals there—long story. He’s also been royally chewed out both by ds and me for being stubborn.
Thanks everyone for the prayers, I completely believe that is what returned his breathing to normal and lessened the pain.

I have been offered the opportunity to

apply to be a scheduler for one of the mystery shopping companies I still occasionally work for. This company does mainly nice restaurants and hotels. One for the lines on the application process is “What would you to do be creative in recruiting shoppers for our company?” I have a few ideas, but would gladly take suggestions from the group.
This would be a great position for me as it is strictly a telecommute job where I set my own hours and my pay is based on the number of jobs I get completed a month. It has a few other perks to it, including it is a job I could easily do while I am traveling once dh retires.
They, of course, have a series of questions and qualifications I must go through, and there are no guarantees. So can you all help me come up with some ideas?