National Payday Loan Relief

PAYDAY LOAN CONSOLIDATION

We understand your situation is unique, that’s why we are diligent & thorough to ensure we deliver nothing less than a promise of excellence to you!

For your FREE QUOTE fill out the form below!


    PAYDAY LOAN CONSOLIDATION
    A promise of Excellence! We understand your situation is unique. We are diligent and thorough to ensure we deliver nothing less than Excellence!

    For your FREE QUOTE fill out the form below!

    Payday Loan Consolidation

    • Reduce Your Monthly Payments !

    • Consolidate Multiply Payday Loans !

    • Lower Your Interest Rate !

    • Terminate All Late & Over Limit Fees !

    • Stop The Harassing Calls From The Lenders !

    • Opt-In For Any legal Help !

    • Consolidate All Your Payday Loans !

       

    National Payday Loan Relief is trusted by thousands of individuals just like you that, at one time, depended on payday loans to help them manage their personal finances; until they reached out to NPDLR.

    Find Relief With Payday Loan Consolidation

    BENEFITS OF CONSOLIDATING YOUR PAYDAY LOANS

    1. Reduce the total amount you owe.
    2. Make a low monthly payment.
    3. Stop the automatic debits.
    4. Avoid bankruptcy and law suits.
    5. Improve your credit.
    6. Get expert credit counseling help.

    Consolidate Your Payday Loans

    • Bankruptcy is not your only way out; You too can be debt free with NPDLR.
    • We understand that payday loan debt can be overwhelming and asking for help is not always easy.
    • Seeking help using our payday loan consolidation services can be your ticket to regain your financial freedom and re-establish your life once again.
    • We can provide you the best debt consolidating counseling to help manage your budget for priorities & future payments.

    You can do something about your payday loan debt. Give us a call or fill out the form so you can regain your financial stability with our payday loan help!

    Top Payday Loan Consolidation Company

    The idea of payday loans has made people desperate to get some quick cash. At that point, the endless loop starts and they don’t have the idea about how to pay off the debt.  

    Even if you pay off the debt, you are in short of cash then another new cycle start. After that, you have to take another payday loan to fix it. It goes on over and over. 

    We can help you to get out of this cycle by our top rated payday loan consolidation programs designed for individual like you.

    Our Payday Loan Consolidation Strategy

    Our strategic Payday Loan Relief programs are designed to settle all of your debt. Time is the matter here. Don’t waste your time thinking about what to do. Give us a call to learn more about our programs.

    Consolidate Payday Loans The Easy Way

    There are millions of people who are struggling to make ends meet out there. The reality remains that many of us do not know how we will ever get to a point where we are able to pay all of the bills that we have and also do some of the other things that we want to do in life.

    For far too many Americans the reality is that they must choose between paying certain bills or paying other bills.

    The stress is enormous and a lot of people work many hours per week just to end up with nothing to show for it. This is why sometimes those people turn to payday loan lenders.

    RECENT CUSTOMERS WHO SAVED BIG


    Billie J Waters – ND

    Payday Loan Balance Before
    Joining Program: $1,227.45
    Old Monthly Payment: $204.50
    New Monthly Payment: $103.27
    Program Term: 6 months
    Total Program Cost: $619.60
    Projected Cost Without Program: $1,227.45
    Amount Saved: $607.85

    Gary Scherer – ND

    Payday Loan Balance Before
    Joining Program: $1,925.28

    Old Monthly Payment: $481.32
    New Monthly Payment: $156.25
    Program Term: 4 months
    Total Program Cost: $625
    Projected Cost Without Program: $1,925.28
    Amount Saved: $1,300.28

    National Payday Loan Relief specializes in Payday Loan Consolidation and Debt Settlement

    Why Choose us?

    We understand that this may be a very confusing and frustrating time. Our company will hold your hand throughout the entire process. You can finally rest your head at night knowing that you are working with a company that specializes in eliminating and settling UNSECURED DEBT.

    How Payday Lenders Attract Us

    Payday lenders know what they are doing when they make their pitch to us. They say that they can help us out of our bind with some payday loan help. Just a little extra cash that is transferred into our bank account today is all that we think we need to get buy. It is an easily alluring prospect for many of us. However, it is a ploy that does not work out for us nearly as well as we hope or dream that it might. The reality is that payday loans have some of the highest interest rates of any kind of debt that you could ever have.

    Do You Need Payday Loan Relief or Payday Loan Consolidation?

    Do You Need Payday Loan Relief? Payday loan debt would make an old school Las Vegas loan shark blush. Even they were not nearly as aggressive or willing to take as much advantage of people as those who work in the payday loan industry are these days. It is because of this in fact that so many get into the messes that they do in the first place. They are sold a bill of goods, and when that does not work out, they are left holding the bag with all of the payday loan debt.

    What Is Payday Loan Consolidation?

    Payday loan consolidation is taking an action to roll the loans that you have outstanding at the moment into one smaller payment that you make going forward. In other words, you are borrowing again but at a much lower interest rate. In addition, where you might have a handful of different payday loans out at this very moment, you can roll many of them up into one simple payment that is easier for you to make so that you actually do make that payment and don’t have to keep struggling with the payday loan cycle.

    Payday loan relief might make it possible for you to actually pay a lot less over time on the loans that you have outstanding already. You are rolling them into one payment which may be easier for you and prevent more borrowing. At the same time, you can get a much better interest rate in many cases that keeps the total amount that you pay back on these loans down to a minimum.

    Save Hundreds

    Getting In Touch With Someone Who Cares

    Being in debt to the payday lender can be a very isolating experience. Those who are dealing with this may feel that they are all alone in their struggle. Worse yet, they may feel foolish for ever having borrowed from that lender in the first place. It may make them feel like there is no one out there who can understand. What they need to realize is that payday loan help is out there and resources are available to them.

    Many others have faced similar problems when it comes to payday lenders in the past. It has become such an issue in fact that many now that these help services have sprung up all over the place. It is nice that they exist because it means that many more people can get the assistance and answers that they need.

    Is Payday Loan Relief Legal In Your State?

    Payday Loan Relief Truths – To make the point crystal clear to you, you should understand that payday loans are literally banned by law in certain states. It is not legal to charge that high of an interest rate or use the lending terms that these lenders do in a number of places. Those terms and rates are considered abusive by the states that have forbid it, and that is why you will find that they do not allow it. However, there are places where you can still get one if you need one.

    The truly terrible thing is just how easy it is to apply for and receive your cash. It might sound like this is just good customer service and effectiveness in a business model, but that is not exactly the case. The industry just wants to get those loans in the hands of their customers as quickly as possible before they can really sit down and think about what they are taking on with this type of loan. It is a way to have them sign up to terms and conditions without giving it another look over just in case.

    Getting Help With Payday Loan Consolidation

    There is cycle that many payday loan borrowers go through. It is a cycle out of which many find it very difficult to escape. The cycle is one where they are constantly borrowing more payday loans in order to pay off the ones that they already have outstanding. Of course, this just puts them farther into payday loan debt & Credit Card Debt as they end up having the same financial troubles that they had before in the first place. It makes the mountain that much harder to climb.

    A lot of people look at that mountain and see no way to get past it. Some take the action to declare bankruptcy in court. This might seem like a solution to them at the time, but of course this is just a Band-Aid on the problem. Bankruptcy ruins a person’s credit for a long time to come, and that in turn makes it a lot harder to get some of the things in life that we all need from time to time. Sadly, some people get into such a desperate state of mind that they even take their own lives. That is how potential dangerous borrowing money like this can be.

    Instead of going down any of those paths, it is best to look at payday loan relief and payday loan consolidation programs that are available in your area. These types of programs may help you achieve what you thought was impossible and actually put these payday loans to rest once and for all.

    Watch How Payday Loan Relief Works

    Getting In Touch With Someone Who Cares

    Being in debt to the payday lender can be a very isolating experience. Those who are dealing with this may feel that they are all alone in their struggle. Worse yet, they may feel foolish for ever having borrowed from that lender in the first place. It may make them feel like there is no one out there who can understand. What they need to realize is that payday loan help is out there and resources are available to them.

    Many others have faced similar problems when it comes to payday lenders in the past. It has become such an issue in fact that many now that these help services have sprung up all over the place. It is nice that they exist because it means that many more people can get the assistance and answers that they need.

    Is Payday Loan Relief Legal In Your State?

    Payday Loan Relief Truths – To make the point crystal clear to you, you should understand that payday loans are literally banned by law in certain states. It is not legal to charge that high of an interest rate or use the lending terms that these lenders do in a number of places. Those terms and rates are considered abusive by the states that have forbid it, and that is why you will find that they do not allow it. However, there are places where you can still get one if you need one.

    The truly terrible thing is just how easy it is to apply for and receive your cash. It might sound like this is just good customer service and effectiveness in a business model, but that is not exactly the case. The industry just wants to get those loans in the hands of their customers as quickly as possible before they can really sit down and think about what they are taking on with this type of loan. It is a way to have them sign up to terms and conditions without giving it another look over just in case.

    Getting Help With Payday Loan Consolidation

    There is cycle that many payday loan borrowers go through. It is a cycle out of which many find it very difficult to escape. The cycle is one where they are constantly borrowing more payday loans in order to pay off the ones that they already have outstanding. Of course, this just puts them farther into payday loan debt & Credit Card Debt as they end up having the same financial troubles that they had before in the first place. It makes the mountain that much harder to climb.

    A lot of people look at that mountain and see no way to get past it. Some take the action to declare bankruptcy in court. This might seem like a solution to them at the time, but of course this is just a Band-Aid on the problem. Bankruptcy ruins a person’s credit for a long time to come, and that in turn makes it a lot harder to get some of the things in life that we all need from time to time. Sadly, some people get into such a desperate state of mind that they even take their own lives. That is how potential dangerous borrowing money like this can be.

    Instead of going down any of those paths, it is best to look at payday loan relief and payday loan consolidation programs that are available in your area. These types of programs may help you achieve what you thought was impossible and actually put these payday loans to rest once and for all.

    Watch How Payday Loan Relief Works

    Payday Loan Consolidation Program

    Before making that all important decision to take measures to combat debt issues, it’s incumbent on the consumer to make sure they understand their options. Any comparison between debt consolidation and bankruptcy has to start with a thorough understanding of the long-term effects of bankruptcy.

    The Negative Long-term Effects of Bankruptcy

    Prior to any celebration about the total elimination of debt from bankruptcy, it’s important that the consumer take into account how their life and personal finances will be affected in the future. For the most, bankruptcy will linger as a financial cloud overhead for as long as 10 years.

    The negative impacts are many. These impacts start with significant damage to one’s credit score. With a bad credit score, it’s near impossible to secure any kind of loan for the duration of the time the bankruptcy sits on the consumer’s credit report. That bad credit score could ultimately have a profound effect on one’s ability to rent an apartment or qualify for employment.

    At the end of the day, bankruptcy will serve as a significant financial burden into the future.

    Why Debt Consolidation is a Better Alternative

    The debt consolidation process allows the consumer to wrap all their outstanding unsecured debt into one loan. That one loan is much easier to manage in terms of only having to make a single payment every month. Such a loan could carry with it a lower aggregate interest rate as well as a lower aggregate monthly payment amount.

    As for the effect such a loan would have on the consumer’s credit rating, it would be significantly less than the impact of bankruptcy. By the simple fact the consumer will ultimately be honoring their debt, the effect on their credit score will be less for a shorter period of time. In short order, the consumer could be able to secure loans to cover emergencies.

    Conclusion: By far, loan consolidation is the best option.

    In order for us to properly answer the titled question, you need to understand the difference between debt consolidation and debt settlement. In a debt consolidation program, you will usually have access to two options. If you go the route of a debt consolidation loan, most if not all of your unsecured debt (credit cards, personal loans) would be rolled into one loan. That could result in a lower aggregate interest rate and monthly payment, but ultimately, you would be honoring and paying off everything you owe. With debt settlement, someone would actually reach out to your creditors on your behalf and request them to cut the principle you owe, eliminate late payment fees and perhaps lower the effective interest rates. If the process were to be successful, there would be forgiven debt that you would no longer be responsible for paying.
    How Would Either of These Debt Consolidation Program Options Affect Your Tax Obligations?
    Under the debt consolidation loan scenario, you would ultimately be honoring all of the debt you owe with no tax liability. Under the debt settlement scenario, there would likely be debt forgiveness with tax liability. If a lender were to forgive debt, they would likely report the amount of debt forgiveness to the Internal Revenue Service (IRS). The amount reported would be the amount you would be expected to pay taxes on as though it was some form of income. The amount of taxes you would pay would depend on your overall personal effective income tax rate. Caution: You have an obligation to report any unsecured debt forgiveness to the IRS. This is an applicable law you must abide by even if one of your lenders were to neglect to make the proper filing to the IRS. If you are having debt issues, the last thing you want is the IRS getting involved in your financial business
    To be clear, the debt consolidation process brings with it several key benefits. Among the most important benefit is the opportunity to keep yourself from having to contemplate bankruptcy. Bankruptcy should always be your last alternative because of the damage it will do to your financial stability. If you are contemplating taking going the route of debt consolidation, we understand you will have questions and concerns. Top on that list of concerns would likely be, “will the debt consolidation process lower my monthly payments?” In the section below, we will address this concern.
    Will Debt Consolidation Lower My Monthly Payments?
    While it’s not guaranteed, lower monthly payments is certainly a potential benefit you could derive from the debt consolidation process. A better understanding of the process will help to point out why its reasonable to expect your monthly payments would be lower. As part of the debt consolidation process, you would bring all your unsecured debt to the table. If you are like many other consumers, a large part of that debt would be in the form of credit cards with a high APR. Additionally, the payments you are making on this debt likely require you pay a rather tedious aggregate monthly amount with principle. A debt consolidation loan helps in two ways. First, there’s a realistic chance the APR on your consolidation loan would be lower than the aggregate APR on you other unsecured debt combined. Second, you would only be required to make a single payment each month. If the loan is stretched out long enough, the principle portion of the payment would likely be lower than the aggregate principle you are paying now. If you factor together a lower interest rate and a lower principle requirement each month, it should be clear that the net effect will lead to a lower monthly payment out of pocket.

    No, you don’t HAVE to close your checking account. National Payday Loan Relief Consolidation program will not require that you close your checking account as part of the program. The way that payday loans become problematic is when they debit money from your account with the ACH withdrawal permission that you signed when the loans were originally taken out. Sometimes, the money is withdrawn days before the actual agreed upon date. Once they have access to your account, it can seem impossible to stop the vicious cycle.

    When the National Payday Loan Relief consolidation program becomes involved on your behalf, there is a revocation of those privileges that is sent to the original lender letting them know that they no longer have permission to withdraw funds. This is a legal and binding document once it’s acknowledged. The problem with the payday loan lenders is that it may take a pay cycle or two before the lender actually honors the request to stop withdrawing money.

    Because of this, there are times that people choose to voluntarily close their checking account and remove all funds so their money is safe for sure and not in danger of being taken from the account. If that’s the choice that you make, speak with your bank first. Let them know that you are working with a consolidation company and that you have revoked ACH withdrawal permission. That way, if you close the account and they do try to withdraw money, you can dispute the charge and won’t be charged overdraft charges.

    One of the most frustrating parts of being in debt is endless calls from lenders. While it’s understandable that they would want to receive the money that they are owed, being harassed about payments can make an individual feel overwhelmed and scared to answer the phone.

    At our offices, we are passionate about helping those in debt not only reduce what they owe and start to work toward becoming debt-free, but we also recognize that cutting down on harassing phone calls is part of the solution. When you partner with us by joining our debt consolidation program, our first course of action is to send letters to all your lenders. These letters are called “cease and desist”, and ensure that you are no longer bothered by annoying phone calls.

    When you join our program, we become the primary contact for all your debts. By eliminating your annoying phone calls, we can help you to break free from the pattern of fear and destruction, making you able to once again answer your phone in peace.

    Our main goal is to stop phone calls from bothering you and end the possibility of lenders accessing you bank account.

    If you are tired of being hounded by debtors, then our debt consolidation program is for you. We work to end the harassing calls while providing you with the tools you need to become debt-free in a reasonable amount of time. Contact us today to discover more about our programs and what we can do to help you!

    Sometimes the terms surrounding debt programs can be very confusing to individuals. While the terms “debt consolidation” and a “debt consolidation loan” may sound like the same thing, they are actually very different. A consolidation loan means that you are simply taking an existing debt that is unsecured and making it secured by offering some type of estate such as one’s home.

    On the other hand, a simple consolidation of debt means that all the money that you owe is gathered into one large loan. The purpose of consolidating your debt is to lower the amount of interest that is being collected each month, and make payments more manageable. The program take all loans and combine them into one easy payment.

    Of the two, debt consolidation loans are by far the most risky option. When you take out a consolidation loan, you are putting your home or business on the line. In cases where meeting a payment isn’t possible, lenders have been known to immediately seize property and put homeowners out on the street. To prevent being thrown out of their home, most people turn to additional loans and credit cards which only bury them father under debt. In serious situations, the loan may result in bankruptcy and even home foreclosure.

    To best understand how to limit your debt load and become debt-free, contact someone with our offices. Let us show you how a consolidation plan can help your life and steer you toward your financial goals.

    Prior to pursuing a debt relief program, you would be well-served to understand exactly what kind of debt a particular debt relief company would be willing to include in the process. In most instances, secured debt would not be included in the mix unless it would be a car loan. That leaves what would be considered unsecured debt. Let’s discuss further.
    Which Debts Are Eligible for Debt Consolidation or Debt Settlement
    Very seldom does a consumer get in debt trouble because of a mortgage. The road to their troubles usually goes through unsecured debt. If you find yourself in of help with payday loan debt or any other kind of unsecured debt, we have programs that can provide you with that help. To help you better understand the payday loan debt help process, here’s a list of the kinds of debt we might be able to include in one of our debt relief programs: 1. Payday Loans – In a pinch, securing a payday loan might seem like a good idea. Unfortunately, these types of short-term loans only mask an underlying problem. By the time your first payday loan payoff is due, you might suddenly realize you need another payday loan to payoff the current loan. The debt cycle takes hold. 2. Credit Cards – In the wrong hands, credit cards can create significant debt issues. High APRs and low monthly payment requirements often lead to debt issues. 3. Unsecured Personal Loans – Under this category, we include student debt. Even with the best intentions, unsecured personal loans on top of other debt can cause significant debt issues. If you need help with payday loan debt, you have little time to waste. Your best strategy is to look a debt relief program that provides immediate payday loan debt help as well as help with your other unsecured debt issues.

    When you work with National Payday Loan Relief, we’ll give you a plan to consolidate your payday loans. Since the plan will be customized to your specific situation, the exact length of time it will take to become debt free will vary depending on how much you owe and how much your monthly payments are. Many of our plans are for 6, 12, or 18 months; each payment plan is personalized to the customer.

    We work with customers who have $600 or more in payday loan debt. Some clients have thousands of dollars to pay, and/or several payday loans. When you consolidate multiple payday loans, you’ll send just one simple monthly payment. When you make that payment, we immediately pass on the money to your lenders. This is a very effective way to pay your debts efficiently and with an affordable monthly payment.

    The good news is, we work with lenders to negotiate reductions in the amounts you owe and the interest rates you pay. Our customers have seen huge savings as a result of consolidating their loans with us. Some have saved thousands of dollars, and this has allowed them to pay off their loans much sooner than would otherwise be possible.

    Because we are often able to reduce your total debt amounts, as well as interest rates and the monthly installments you pay, becoming debt free is more possible than ever. Becoming debt free is a huge financial milestone, and we work to make the process more affordable and less complicated. We look forward to working with you.

    Debt consolidation is a simplified debt refinancing method in which you take out a singular loan to compensate several other creditors. Although this approach of payday consolidation can be a less complicated form of debt repayment, many individuals wonder how they can keep track of which creditors are being paid. Fortunately, modern consolidation companies offer a number of ways for you to keep track of the activity associated with your accounts.

    Several credit consolidation organizations provide consumers with a digital account summary that can be viewed through an online portal. These portals can typically be accessed by registering with information such as your account number, social security number, or other identifying information. Most online databases like these give a detailed history of which offers the consolidation company has made, and which creditors have responded. By consistently keeping track of this information, consumers can stay up-to-date with which payments are being administered.

    If you’re looking to track your payday loan debt consolidation history with an alternative route, you can always call the company directly and request a full report of the contact history between the payday consolidation company and your creditors. If you request this over the phone, then the company will likely send you a physical print out of the history through the mail. If you’ve asked for the documentation through email, then they may be able to send it as a secured attachment.

    As a contracted client, you are always permitted to request the payment history related to your account. Knowing that the consolidation company you’ve hired is maintaining consistent communication with your creditors is vital in the debt refinancing process. The security of knowing that your debts are being taken care of promptly and efficiently should always be provided by the company you invest in.

    When you decide to consolidate the amount that you owe on your payday loan, you probably are already feeling overwhelmed by bills and unable to keep up with your payments. Thankfully, consolidating these debts can actually help you by not only combining all that you owe into one easy-to-manage payment, but it can also lower what you owe along with lowering the exorbitant interest rates that you may have accrued.

    When you team up with our consolidation services, our team members will get in contact with your lenders and work to reach an agreement with them that will lower the amount of money that you owe. Along with lowering your debt load, we also help to lower the amount of interest that is accumulating by lowering the interest rate that is due each month.

    After getting your payday loan debt consolidated, you can expect to see one monthly payment that is much easier to keep up with and is a more manageable amount of money due.

    By lowering your debt load along with your interest rate, you can put your money toward paying down what you owe and starting the journey toward becoming debt-free.

    Contact our offices today to discover how we can help you through our consolidation programs. Our team will happily explain the ways that we can reduce the money that you owe, making your life simpler and more enjoyable as you work toward financial freedom.

    To enroll in our debt relief program, simply complete our form for a free consultation or contact us by phone at 1.855.413.4998. Our application process is simple, fast, and free! Once you have submitted the details of your existing loan, along with an overview of your current financial circumstances, our team of experts will start working on your behalf to get you on the road to financial freedom swiftly.

    Dealing with debt all alone can be stressful. Debt relief can help to change the terms of your debt in addition to the amount you owe so that you can get back in control of your finances. Debt relief programs will negotiate with creditors on your behalf to reduce what you owe and restructure the debt so that you can get out of debt faster.

    We work to help reduce your monthly payments and consolidate multiple debts. You may be able to lower your interest rates and put an end to all late and over the limit fees. Our payday loan debt relief program can help you put an end to harassing calls from lenders. Bankruptcy is not the only solution to overwhelming debt. You have options and can live a debt-free life.

    We can help you consolidate and reduce the amount you owe. We can help you make a low monthly payment and put a stop to automatic debits to your bank account. Our debt relief program can help you avoid bankruptcy and lawsuits. We offer expert credit counseling help and help you to improve your credit.

    When someone runs into debt problems, it’s normal for them to show concern about their credit score. After all, so much of our lives is tied to how well we manage our finances. It’s important to remember that our credit score affects our ability to qualify for loans, pass background checks for apartment rental and even secure employment. If you have unsecured debt issues related to credit cards and payday loans, you should be concerned about your credit score. Even more important is you taking the time to do something about it. We would certainly recommend payday loan consolidation with a reputable payday loan consolidation company as a viable option. How will that affect your credit score?
    How a Payday Consolidation Loan Might Affect Your Credit
    The idea you would move forward to contact a payday loan consolidation company indicates you likely have credit issues. Your continuing credit issues might well be damaging your credit score. Can payday loan consolidation save the day? The answer is yes, to some extent a debt consolidation loan can help you. What you need to understand is initially, it might have a slight negative impact on your credit score simply because you have taken on a new form of debt. If you were to go the route of debt settlement, the negative impact on your credit would be more profound because you will have not fully fulfilled your obligations. By going down the loan consolidation path, you would be making clear your intent to honor your debts. As you show good progress making payments on your consolidated debt loan, the bad credit history diminishes to be replaced by more responsible loan activity. Your credit score will start improving. Remember, that’s only true if you are able to comply with the terms of your new debt.
    If you find yourself facing financial difficulties due to credit card and/or payday loan debt, you can’t let these issues keep troubling you. At some point, you are going to have to bite the bullet and think about getting debt relief. Assuming there were issues with you going the debt consolidation route, your next best alternative would be debt settlement. Through out debt relief service, we would reach out to your creditors in an effort to get them to agree to cut your debt to something more manageable. In all likelihood, you creditors would agree to cooperate to some extent. Experience has taught them its better to offer debt relief as opposed to having a client file for bankruptcy under which circumstances they would receive nothing. Knowing the debt settlement could be a viable alternative based on your circumstances, you surely would want to know how much debt would be cut from your accounts with us advocating on your behalf. Let’s us offer an answer.
    How Much Would You Debt Be Reduced By
    As we would enter negotiations with your creditors, our goal would be to get you as much debt relief as possible with an eye on finding a number you can manage. It’s hard to predict how your creditors are going to react, but the motivation to cooperate is there as we expressed above. To give you a rough idea where your debt might end up being, we have been successful at lowering debt for our clients by as much as 50%. It would be safe to say that in your case, we would be confident stating your debt would end up being between 25% to 50% lower by the time we finish negotiating with your creditors. With 24 to 48 months to payoff the remaining portion, you should be able to better manage your finances and get some relief from stress.

    DEBT MANAGEMENT RESOURCES & TOOLS

    THE NPDLR BLOG

    Click on the image for more info about payday loans, debt management and more. Always checking our blog is a great place to start.

    DEBT CALCULATORS

    Click to use our debt calculators to get answers about the important numbers and percentages impacting your financial health.

    NATIONAL PAYDAY LOANS MAP

    Every state is different. Click in the icon to see the map and find out where payday loan laws and debtor protections are available in all 50 states.

    DEBT SETTLEMENT AGREEMENT LETTER

    Use our free letter Debt Settlement Agreement Letter template. Type in a few pieces of information after downloading and print your letter at home in minutes.

    HOW WE HELPED CONSOLIDATE PAYDAY LOAN DEBT

    GARY

    Had $1,925.28 total in payday loans, and was paying $481 a month! We set him up on a payment plan of $156 a month for 4 months to become totally debt free.

    JOANNE

    Had $4,080 total in payday loans, and was paying $1000 a month in fees alone! We set her up on a payment plan of $145 bi-weekly for 9 months to become free!

    BILLIE

    Had $1,227 total in payday loans, and was paying $204 a month, and we set him up on a payment plan of $105 monthly for 103 months to be free of his debt!

    HOW WE HELPED CONSOLIDATE PAYDAY LOAN DEBT

    BECOME STRESS FREE WITH PAYDAY LOAN DEBT RELIEF

    Living life with payday loan debt can feel like you are drowning with the constant thought about debt collectors calling you and fear of how this will impact your financial freedom. Each day that passes, your debt increases, and so does your stress.

    At NPDL, we have programs that can help ease your mind by taking care of your payday loan debts. These programs can lower the amount that you owe, lower the interest rate of what you owe, and get you out of debt sooner than seems possible.

    Negotiating with lenders and working something out with them to help you pay off your debt is what we do, and we do it well. Not only will you be able to get out of your debt, but this could mean a smaller repayment plan per month!

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    What Happens When You Default On A Payday Loan Everything To Know When You Default On A Payday Loan Default On A Payday Loan – Although payday loans usually do not involve credit checks, they also involve a post-dated check or transfer system to your check account. When the due date is set for a

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    Payday Loans' Costly Financial Game

    Payday Loans Costly Financial Game

    What Payday Loan Debt Does To Your Finances Payday Loans Costly Financial Game  – Though some may see it as a quick fix, payday loans are however a slippery slope that slides individuals into a never-ending cycle of debts with zero chances of getting out. These are high-rate loans offered to high-risk individuals and are

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    GET OUT OF PAYDAY LOAN DEBT