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    I am 23 years old now I have made some mistakes in my life, I have already dropped out of college once. I have gambled here and there since I was 18 just for fun never really lost anyhting significant. I am enrolled in college again in a different program the semester was for months I attended for the first 2 months then started skipping class and wound up at the casino. the first 2 days I gambled I won over 00 playing blackjack, so that started a negative cycle I have been at the casino almost everyday when my family, friends, girlfriend etc. all think I am in class. I play poker and blackjack and was in a lot of debt before I started gambling and since then in about a month I feel like my life has been spiralling out of control, I have racked up over 6 grand in debt I have stupidly taken out payday loans form 2 different companies when I dont even have a job, I thought I could get winnings to pay them back but now I am over a month behind on the loans, they call me everyday I have been stringing them along with more and more lies. It seems like everyday I go to the casino now, I lose every penny I have. I leave cash at home on purpose, but I end up driving home, getting it, then losing it all again. I have completely stopped attending classes for a about a month and a half theres no chance I can move on or graduate from this program without re-taking the semester. I dont really want to be in this program anyways. I am supposed to start a summer job next monday at a job closely related to my schooling, If they didnt talk to my school (who got me the job) and think I am still attending I could probably squeeze by for the summer and do the job, but I feel like I am lying to them and myself If I try to work. but then next semester starting in september I will have nothing to do, I wont be able to attend school, the jiig will be up. I am drowning in debt up to my ears, I live day-to-day lying to everyone around me making up stories about homework and exams etc. when really I dont know anything thats going on at that school I just fake it. theres only one teacher of my program he hates me and im sure he assumed I dropped out. I just want to tell my parents and my girlfriend the whole truth and just start over in life you know? I have awesome parents who give me everything I ever need and im sure will help me out, but I fear they will be extremely agry with me at first because they payed over 00 for my school, they think they are getting me a better life, when in reality I am in the worst hole I have ever been in. I feel like a pathetic loser, so spioled, like I have wasted so much of my parents time and money, I feel very alone and isolated, like nobody will ever understand me if I tell them the truth. I am very depressed, I am a tad overweight I am always tired, I dont even have enough energy to go gamble anymore. I stay up till 6 am every night because I am so stressed I get up in the morning I am usually the last one to leave my house in the morning so I just get up and pretend to get ready then when everbody leaves I just go back to bed till 2 pm I feel like such a waste of life. I just want to rest in a hospital for a few days or go to a hotel for a week just to sleep and collect my thoughts, sometimes I fantasize about getting sent to jail or commiting a crime just so the truth can come out. I am considering leaving my parents a letter explaining everything then going to a hotel for a little while a few days or a week, letting them cool off some steam, then when I return, they will be ready and willing to help me….does this sound like a good idea? also I am having thoughts of maybe becoming a firefighter they are not accepting applications till next year which kind of works out perfectly for me cause I could work for a year to pay off my debts, then work out as well and get into shape, then start a new life as a firefighter trainee……..I dont know what do you think? how angry do you think my parents would be? is it better to come back to them with a solid plan for my life….please I need suggestions what do you think I should do…..the stress is weighing on me I feel very alone
    Thanks


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      My husband and I have dug a bigger hole with payday loans, trying for a quick solution. We are now over extended and need to figure a way out without going further in debt with the bills we had originally on top of the pay day loans we’ve accumulated. We live in Nevada and I would appreciate any advice.


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        I am at lest ,000 dollars in debt. This includes credit card, payday loans, and a student loan. Yet! I’m confused as to what is debt consolidation and how is works. I’m disabled and on a monthly fixed income anyway. How does debt consolidation work? What are the pros and cons. What are my options at this point. Anybody got any suggestions-only serious and helpful answers are wanted. I just want to be debt free. Can anybody help me.


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          im in great debt.. around 00.. i dont know what to do. I’m currently unemployed and looking for another job. all my credit cards are maxed out and i have some outstanding payday loans. my banks has a negative balance because of OD fees.. im out of money. what can i do? file a bankruptcy?.. help me!


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            I have got myself into a little payday loan frenzy and have about 6 different payday loans that I can barely keep up with. I know there are so many companys out there who "claim" to be payday loan consolidation helpers.. but which ones are really legit?


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              No home to use for equity, denied for personal loans and additional credit cards everywhere, cannot work at this time due to illness, debt relief companies do not deal with payday loans, help?


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                I have several credit cards and a couple of payday loans that I’m trying to clear up quickly. The 360.00 a month in fees for the payday loans is more than I can handle. If I could get a consolidation loan to get out from under some of this debt it would be a tremendous relief. My credit is not great but it’s not bad either. I do have a lot of debt which I am managing to pay every month but with nothing let over. One other thing, I have no collateral for a large loan. I would be willing to have the loan amount debited from my account every payday. Any advice would be greatly appreciated.


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