If you are struggling to pay your bill: Ask your creditors for more time. Find out what they charge for late payments, finance charges or interest rates since it may be lower than what you might end up paying long terrm payment of a personal loan a payday loan. Work with a community development credit union or a non-profit financial cooperative, which may provide affordable small-dollar loans to eligible members. Ask for a salary advance from your employer, or borrow from family or friends.
Consult social service agencies, they may have programs to help with food, housing and home heating costs. To stop recurring bank account debits to a payday lender, take the following steps: Contact your bank or credit union and provide an oral or written request to stop payment to the payday lender. Your bank or credit union may require written confirmation of your request. Include your contact information in your request so that the bank or credit union can get in touch with you if necessary.
Revoke the authorization for the payday lender to withdraw money from your account. Follow the instructions in any paperwork you received from the payday lender, or send the payday lender a written notice with these instructions: My authorization to withdraw money from my account is revoked.
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