Payday Tags

Hello I am 29 and in desperate need to debt relief. I took out Payday loans and maxed out my credit cards to help pay for tuition. Now I am in deep debt and I can't get out.

I work and it's not enough to cover my bills. I want to attend school in the Fall but, I won't be able to because the payments are taking my entire paycheck.

Any donation will be used to pay off my debt, I just need some help so that I can begin to live a debt free life.

Hello,

I have never begged for money or help and to be completely honest I hate that I am sitting writing this now, I am normally the kind of person that just gets on and deals with a situation.

I have slipped into a seriously bad financial situation, I lost my job and have got myself into a cycle of payday loans I just cant control the situation anymore. I really need help and quickly.

I am becoming very depressed and have pretty much sold every thing I own to try and raise extra money, it is effecting my relationship and my family are starting to become effected too.

I need around $1000, this is to cover fuel and car expenses so I can get out and work when I can also hunt for a job as well as general living, any money I do get is given straight to payday lenders.

Any help at all will be massively appreciated, I know there are a lot of people in the world who have the means to help, although I am not expecting any donations I am desperate and you know what they say about desperate times.

I have not had new clothes in over a year, I don't socialize or go out anywhere, I just want my life back.


Thank you very much for taking the time to read my my story.

we need money for food for my daughter and we are struggling, its a week till payday and we have no food. The rent and bills were we live are to high for us to cope with and its 12 weeks till we can get out of our tenancy agreement and move somewhere smaller so we can get out of this situation. We have no family or anyone who will help and i would be forever grateful. Thank you

This situation has become a nightmare! I am 65 retired and slightly disabled due to a auto accident over a year ago. I have a hard time walking and this has me house bound most of the time. My wife is recovering from a stroke and taking care of her needs is a full time job. We barely exist on a meager social security income and several months ago I was forced to take out a payday loan just to keep the lights on. We maxed out our small credit card just to buy food and gas for our car and now every month we pay off the loan plus finance charges and then we have to take the loan out again the next day or else we cant pay our bills and buy food. With the credit card used up we have no where to turn for help. I know there are many who need help more than us, but if some kind person could lend a helping hand we will be able to pass the favor on to someone else in turn.

I am retired and barely existing on social security income and took out a payday loan to keep my lights on several months ago ($500) and now every month I have to pay it off and take it out again just to survive. I am disabled and this is driving me nuts! Help!

I am in terrible financial distress. I am a single mom of 2 teen girls. One of my girls suffers with bi-polar disorder, depression, low self esteem, cutting, and defiance. She is in a juvenile detention facility. I suffer with clinical depression & generalized anxiety. The youngest is bullied at school. I've always sacrificed for my girls. I have a degree. I have a job. I don't make nearly enough to make ends meet with medical bills, legal bills, etc. I am behind on everything: car, electric, phone. I have asked all my family & friends for help. They are
simply unable to. I have tried to get a personal loan and have been denied. I have had no choice but to get payday loans, which I know are horrible, but it's the only option I had. My hope & wish is that there are good, kind, generous souls reading this that ARE able
and willing to help. Ideally $3000 would get me out of
this hole. Any amount is a blessing. If you find it in your
heart to help me help my girls & myself we would be so grateful. God bless you all.

I am currently a single mother trying to work a full time job but I constantly struggle to make ends meet. My boyfriend is currently unemployed. I'm caught in the middle of one of those payday loan scams right now which keeps making me lose like half my paychecks. I really just need a little help with gas food and diapers to make it til next week! Even 5 dollars would help a lot. Thank u very much, from my daughter and myself.

Hello,
I am in a situation that sadly, many are in right now. I am working and in school trying to improve our situation. My husband has had his hours cut at his job which has substantially decreased our ability to pay bills. I made the grave mistake of getting caught up in the payday loan loop and I am now at the point where the bulk of my paycheck goes to paying the payday loans!

I have joined a credit counseling program which has streamlined my debts and if I can make the $285 payment per month, I can be debt free in 2 years.

The problem is, with these payday loans looming over me and being obligated to them for over the next year (I have 3 altoghether)I feel that I can never get out of this hole!

Additionally, my company was recently sold and we are due to lose our jobs by the end of this year--which is just too much to even fathom right now.

Any help is appreciated. I would say that the total that I need is $3000 (all 3 payday loans were for $850 apiece--if I can pay them off immediately with the interest where it is now, it would total $3000.

I am a single mom who lost her child support, then lost our home, just when I thought we were going to make it our car broke down. I had to buy a new engine which emptied the little bit of savings I had and took two paychecks. I really need some help and I dont know where else to turn. Our gas has been turned off rent is due and we have no food and I have limited funds to put gas in my car to get to and from work. My main concern is I have nothing to feed my 7 year old daughter and I wont until next payday which is almost 2 weeks away and will only provide food for a short time because I will have to pay the rent for May. Any assistance will be appreciated and paid forward with any extra I may have. Thank you for reading my story.

We seriously need some help, our electricity will be turned off May 2nd, our rent is due May first and the late fees are $25 per day after the first with no max. Our house is total electric so no heat, air, refrigeration, hot water, or ability to cook once the electric is off. Our credit isn't good enough for anything and the only option is payday loans. We keep having garage sales, however it only provides enough money to get staples (bread, milk, butter, a little gas to get back and forth to work). Like many others I have a job, but it keeps us just over broke. Not enough to deal with a crisis. In one week we learned my mother and father were trying to live off $35 a week. My mother eats a bowl of cereal in the morning and a $1 banquet meal for dinner. She takes care of my ailing father 24/7 who has Alzheimer's. So we decided to make a 10 hour ride one way to go see what we could do to help. We gave them what little extra money we had to fill a deep freezer and pay off a loan with crushing interest! While away we learned that my wife's stepmother is dying from cancer. She has stage 4 lung cancer and isn't expected to make it past the end of the year. We need extra funds for my wife to be able to make the 1800 mile trek to her hometown in NY so she can have the opportunity to say her last goodbyes. To top it all off we purchased a car last year through a company known as JD Byrider, a buy here pay here bad credit dealer with an extra perk, for all the extra money you spend on their vehicles they offer a warranty during the term of the loan. Our JDB car blew a head gasket, this should be covered under terms of the warranty. We had the car towed to the dealer for them to make the necessary repairs. The shop said there was nothing wrong with the car, it just needed an oil change, and it was running fine. I promise you a car that won't do over 60 mph floored on a straight stretch of highway ISN'T fine. So we were forced to trade it in, which cost us an extra $5000, making us negative in our bank. Along with all of this is the need to take care of our three children at home, and constantly having to buy diapers for our grand daughter because her parents can't find work and welfare doesn't give enough cash assistance to keep diapers all month long. We are selling everything we can afford to in order to get out of our current situation, but it won't be enough. Right now we need $725 to make rent and $206 for the electric bill. I can spread other bills out over the course of the month, but these two are critical. We have enough food and just enough money to cover gas for the next two weeks. I am willing to provide services for any donation made. I have very good editing skills, and have helped students go from a D paper to a B+/A- paper without changing the content, merely correcting spelling, punctuation and structure. Any help provided will be greatly appreciated.

hello i would never normally ask for help but im so far behind with my bills at the moment, since losing my house me and my partner have had to move in with our parents again so we never have time together when we do its always arguing over bills whitch is not something we would ever do i have got 2 unsecured loans which i cant keep up with anymore and i have so many payday loans i am not able to get anymore my phone has been cut off and to top it all off we were going through hospital treatment to have children but now we have had to delay until things get better for us. i am only 25 i have a full time job, i really dont want to continue down this road of stress and upset i never would normally ask for anything but i have nothing left to do but ask as i cant cope anymore.

i'm over £1,000 of debt due to payday loans, i got them because i was desperate and now im in an even worse position, any money towards it would really help me thankyou! COMMENT BELOW IF YOU WANT TO HELP ME! MUCH APPRECIATED

This is not a beg, this is a cry for help. I am 23 years old, with no kids and no vehicle. I have a good paying job where I make over $30,000 dollars a year working with special needs adolescent. I am in a massive amount of debt that I honestly placed myself in trying to clean up a debt that I already had but was manageable. I took out about 6 pay day loans, not all at once to pay of a bill I was short on and it continued to collect interest and build up and pull money out of my account to a point where I was over drafting my account at the same time and collecting a ridiculous amount of overdraft fees. It took me a month to pay it off and literally the next day the payday loan company's continued to pull out and set me back into overdraft so I'm at an enormous amount of negative now and left my apartment to someone else because I cannot manage. I left my apartment with nowhere to go and not even a car to sleep in and I just want to get rid of these payday loan people but it's quite impossible when they pull out my money every two weeks and it's not there because my bank has eaten it in overdraft fees. I'm stranded I'm desperate I have been thinking I the impossible just to get my hand on $4,700 to clear my situation so I can go back to life. I have been gambling as a result of this because at this point I feel I have nothing to lose. All I am holding on to is my good job. Im miserable and facing all types of depression and stress. I have been biting my lip out of anxiety til it bleeds and I have no one to go to. My enormous pride has let up tremendously through this experience which might have been Gods lesson and I try to be more grateful for what I do have however it's not many more sleepovers I can disguise as I have no where to go.
Please find it in your heart to help me please! I will do any good for this help I am in desperate need of it. I can't promise you I can pay you back right away but I am willing to do anything to get me out of this finacial nightmare.

Hi. My Name is Robert. I am a 28 year old male who has recently moved to a new state in search of a better life. I have not had the best of luck with jobs. The job lined up for me fell through, and I began working temp jobs to make ends meet. I was staying with family and was out of work from Thanksgiving to New Years. I found a new job in mid January and then was asked to move out of my families house on February 1st. I am doing all that I can (working 70 hours a week) but unfortunately it isn't enough. I am late on rent and need $825 to cover March and April. I am also past due on car payments and approaching 60 days late. I am needing $550 for that. I have tried applying for loans and continue to be denied. I am also stuck in the payday loan cycle and am paying interest every two weeks to refinance. With just $3,000.00 total I will be able to get caught up and take the training courses I need for my job to increase my salary and be able to continue to pay bills in a timely manner.

I know there are others here who need help more than I, I just am at my wits end with phone calls and letters demanding payment. I have considered sleeping in my car just to make the payment. I do not have anyone in my family who can help and I am not an irresponsible kid living beyond my means. I am currently sleeping in an empty bedroom on an air mattress and going hungry 2-3 days a week just to pay what I can.

I humbly ask anyone out there who can help me please do. Once on my feet, I have every intention to give back to others. Anything helps. God Bless.

I can't get out of the payday loan trap! My next loan is due Friday 3/23/12 and will take my entire paycheck! I also have $60 in tool bills due Friday-if I lose my tools, I lose my job as a mechanic. Beyond that, I have $107 phone bill that's overdue, and a $282 electric bill due on 3/27/12. If I don't pay the electric bill on time, my previous payment arrangement is void, and the entire $700 is due immediately or my power will be cut off. I work full time as does my spouse and we are doing everything possible to make ends meet, but we need to do more. We collect & sell scrap metal, recycle & repurpose, coupon, etc...the things the "experts" say to stretch a dollar. I know most people are just getting by as it is these days, but even just a dollar will help...that's enough for a meal for my beautiful 8 year old daughter. I have a $1/hr raise coming soon, but not soon enough. Thank you for your generosity.

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Hi; I am a USAF Vet. I am still fighting to get my benefits which landed me to living out of a truck. Eventually I came home with my mother but now Ive caused her to struggle. My bills are piled up and the rent is backed up. thought since i had something saved id move so my mom wouldn't struggle and i gave the deposit of $3000 for an apartment found off craigslist come to find out he had "rented" it to me and 3 other tenants and now he's nowhere to be found.Used a different name for all of us. tried for a payday advance got scammed out of $150. If anyone can truly find it in their hearts to help me get caught up give my mother something to catch her up on her rent and make it back to where I ill be given work Id be grateful. Ill even work for it ill do ANYTHING and i mean ANYTHING! Ive been scammed hurt abused and used to where I dont know what to do anymore.
We risk everything to defend this country but when it comes to being there for us this country isn't there for us.
Even if someone can spare half the money or something at minimum $750 for the rent please. Anyone?

Hi, I'm a 33 year old man with a wife and child and cannot make ends meet. I am £12,000 in debt. I can't pay my rent or provide food and clothes for my family. In a few individual moments of weakness I've taken payday loans online and even a logbook loan (secured on my car) to try and get by. But I am only able to pay these each month. I am at a point now where my house could be taken from me for non payment of rent and my family will face life on the streets. I thought things would get better, but I simply can't do this anymore. I have even contimplated taking my own life as things are that bad. But quickly realised that it is a very spiteful thing to do. I've made mistakes and now I'm paying for them. I just want to be able to live without worrying about losing everything this includes my family as we are at breaking point. I am a very proud man and normally would never consider begging.

I have recently went through a divorce because my wife decided to break up with me because she made more money than me. I helped her buy a business, and as soon as she started seeing her money roll in, she kicked me to the curb. My parents are both deceased so now I have noone to turn to for assistance. I hold a good job and have been working there for 5 years so far, but student loans are the only things preventing me from receiving a personal loan. I am living in my vehicle because I do not have enough money to catch up on the bills she stuck me with, and this is the only way to survive and pay them. I need 6000 to help pay off these payday loans, and pay first months rent, a deposit, and a past due electric bill. Please find it in your heart to lend me a hand, so that I can finally get a good nights sleep, cook a decent meal, and be rested for work. And most off all, move on with my life. I had never seen this coming, I am hurt and all of this money problem is just making things harder and harder and putting a strain on my job.

I didnt know these type of websites existed until today. I'm not good at asking for help and to be honest, I don't really feel that great about doing this, but at this point, I don't really know what else to do. And now, my story: I am a thirty year old single mother of a nine year old little boy, who both works and goes to school full-time. Last semester I was denied financial aid due to the fact that my completion rate was not satisfactory. Taking a semester off was not going to do me any good, so I paid for my classes out of pocket. I knew it was going to be tough and thought that I would be ok. Well, I was very wrong. Life gets messy and complicated and never really works out the way we plan. My car needed work, my son needed glasses, he got pink eye and we both got strep throat. I also just started a new job and dont have insurance (I couldnt afford the $400.00/month COBRA payment from my previous employer). Everything just kind of seemed to happen at once and I fell behind in every financial aspect. In an attempt to recover from this, I reluctantly got a Payday Loan. Well..if any of you have ever done this, you know what a evil perputal cycle it becomes. I got loans to cover bills, and then got loans to cover loans..and now, I'm drowning in them! I have six at this moment all for varying amounts, my checking is negative and I am still behind on half of my bills. I dont feel like there is an end to this. I would get another job if I could, but with work, school and my son, I barely have time to sleep. I dont get child support as my sons father aquired a nasty meth addiction and ended up in prison and my family is struggling almost as badly as I am right now. I take responsibility for my bad choices and I'm not asking someone to completley bail me out. I won't even tell you how much my debt actually is. I just need a little help here..thats all. Thanks!

Beglist, after much pursuing and determination I have finally found a good job. It is with a government company, and as such, I do not get paid until the 15th of the month. I have maxed out my cards to pay for gas to get to work, I just need maybe $10-$20 to help me until payday. I have NO money, if I spend anything at the pump I'll start getting charged fees for not maintaining a minimum balance. I just need a LITTLE bit to help me get by!

First of all, I want to thank you for taking the time out of your day to
read this. You don't even have to do that, but you are, and I really
appreciate that. Let me also tell you that I take responsibility for

everything that has happened to me. You see, I'm a college student, and like
many college sophomore's, I get into a lot of situations that get me into a

heat of water. Unfortunately, all these situations happened to happen all
that thee same time. It started last thursday. My roomate was having a
little party at our apartment. The music was loud which resulted in the

police getting called over. We were given a noise violation for $142. The
very next morning, I was running late for class, so I took my car on campus.
I was in such a rush that I didn't realize that I parked in a no parking

zone. It was only a 50 minute class, but by the time I got back, I got to
witness them towing my car away. That came out to be $150 and $5 is added

everyday, so at the day of this writing, I need $170 to get my car out of
the impound. I also have a $425 rent that I have to pay before the 15th or I
will evicted. I would go to my parents, but my mom is on her last

unemployment checks, and the company that my dad works for is in a legal
dispute, and for some reason they are witholding their employees checks.
I've have tried every option I could think of. I went to friends, but
college students don't have much as it is. I went to my financial aid

counselor, but they said it was too late in the year to pull out any loans
or anything. I have no job, so I can't get a payday loan. I believe that
this could be my last option, but God allowed me to find this site for a
reason. Once again I appreciate the time you took to read this, and I hope
that you can help.

I'm a 23 year old man barely making ends meet. I am thousands of dollars in debt. I can't pay my rent or my credit card and car loan payments, or any of my utilities really. In a moment of weakness I've taken payday loans online to try and get by. Suffice it to say, the payments are killing me. Ever since I've pretty much given all of my money to someone I cared deeply for, I've been in a downward spiral. I've never even considered begging before. My pride simply would not allow it. I thought things would get better, but I simply can't do this anymore. I need some kind of relief. I've made foolish mistakes and I'm paying dearly for them. I just want to be able to live without worrying about losing everything.

due to the recent recession i recently lost my job for the company that i had worked for since i was 16, i am now 23. As a result lately i have been inbetween low paid factory jobs. Watching payday loan adverts on the tellyy i became very drawn and and i am now in about £800 debt. With earning such low wages i am only able to defer the loans each month. Endless sleepless nights worrying about how to get rid of them are tiring me out. I have tried for small debt consolidation loans but always get refused and the local citizens advice was no help at all. If you could help a tiny bit n it all adds up im hoping I can get rid of these awful loans. My family have no money to help and I am working all the hours i can. God bless you all xxx

We are a family of three and currently our take home pay is $1760.00 which is not enough money to cover our daily/monthly expenses. I am no longer employed full time and went from a $65,000 a year job to zero. My husbands company was forced to file bankruptcy and his pay was cut from $2400.00 per month to $1760.00 per month.

Our daughter is a senior in high school and is currently not employed. We have one car paid off but are still paying $615.00 per month on the other vehicle. Most of our credit cards are paid off but the ones that are not have been sent to collections. We have a couple old personal loans that we are still paying on. We have several past due Payday loans outstanding and the fees continue to accrue until they are paid off. We have already borrowed from family members so that is no longer an option.

The money will be used to help pay our utilities, rent and food for the three of us and food for our dog and cat. The utilities consist of lights, heat, water, sewer, phone and mandatory city garbage pick-up.

Also, we currently do not have medical insurance so have not been able to have exams or see a doctor for unexpected injuries. Anything would be appreciated to help us get our lives back on track again. Thank you for reading this. Have a good day.