i need a payday loan asap

Call 11 for Action: Pay-day scam hits Toledo

TOLEDO, OH (WTOL) - A scam that has targeted thousands of people all over the country has taken at innocent people in Toledo.

"If I didn't make a payment immediately - they were going to put a warrant out for my arrest," said Danielle Tugade.

That's what Tugade heard on the phone when she received several calls at work and at home saying she owed money on her payday loan she took out back in 2007. They said she needed to pay ASAP. The caller had information about her loan and her identity.

"The fact he knew my social security number. To me I thought: this is legit. Because that's not something you give out to everyone. And that's kind of scary - for someone to have your information like that," said Tugade.

"He said I could pay one of two ways - with a credit card over the phone – or I could go to Western Union and he'd give me information on how to do that," said Purcel.

Tugade's attorney, Jerry Purcel, specializes in bankruptcy law. He says people who sign up for payday loans often are already in tough financial situations so they scare easily.

"I had one guy who was on his way to Walmart to get his pre-paid card to pay off $3,000," said Purcel.

Purcel says this scam violates both federal and state laws.

"You've got two federal laws: You've got impersonating a police officer by threatening to arrest someone  and violation of the bankruptcy code if someone declared bankruptcy," said Purcel.

WTOL called the scammers, but they said we had the wrong number. The payday loan company is aware of this situation and have a scam alert on their website. They told us they are not sure how the scammers obtained all of the personal information.

This is just another example of why it's so important for consumers to keep their guards up.

And if you have a problem, call us or go to our website and click here to visit the for Call 11 for Action page. We're on pace to recover almost $1 million dollars this year.

I need a bad credit personal loan ASAP. I desperately need to get ...

I have been going through this payday loan loop for a while now and I need to pay all of them off fully to actually be able to live my life. I am not sure how exactly it got this carried away but I know never to get a payday loan again.

Does any one know where I can get a $2000.00 loan and I have very poor credit??!?!?!?!?

Thanks for your opinions. =)

no, you can not get a loan if you have bad credit. And the Payday loans are scams,,, as you now know. The best thing for you to do is close your bank account and open a new one immediately.. (matter of fact – one the new one first – then close the account the payday loan company has) Now the company will not be able to get any money off of you. Your next step will be to start saving up your money so you can eventually pay off the loan. These companies take forever before they report it to a collection agency (if they ever do) and they do not report to the credit bureaus!!! So this gives you some time to pay them back.. Dont be so stressed.. so many people get caught in this crazy cycle with payday loans.. Good Luck.. and Get your credit fixed and get on a budget so you can start living free of financial stress.. Most of us make enough money,we just dont budget..

I agree first step is to open a new checking account then close your old one. Send them letters stating that you will pay them with a money order. Do not send them a check from your new account then they will have that information. Tell them you want to pay the loan off in three payments and send them money orders for those payments and close the accounts. Good luck.

Bad credit personal loans normally carry a higher rate of interest. This is because of the higher risk potential in such loans. One may also be overcharged on this account. The borrowers are asked to pay a hefty charge and have to face some inflexible terms of payment. Nevertheless, there are lenders who charge reasonably lower rates of interestcomfort and a future comfort also leads to this trap. Deciding the monthly repayments and the number of installments further strain your mental faculties. An expert advice from knowledgeable people will help in this decision. Being aware of ones financial condition, the borrower can decide the various details of the loan in a much better manner. Thus, the final decision is reserved with the borrower himself.

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