Missouri consumer writes this in response to my recent blog titled "Waist deep in payday loan debt:"

My husband and I are also "waist deep" and keep sinking when it comes to payday loans. I am on disability and a few years ago my husband got hurt at work. we took out loans to pay the mortgage and have food on the table. Now some of these places won't work with us and are threatening that if our check comes back NSF we will either be prosecuted or they will turn us over to a federal check recovery program that will keep debiting our account until it is paid in full. This has cause numerous sleepless nights and worry. We are scared and don't know what to do. Please help.

Again, consumers dealing with this issue can file a consumer complaint with our office. Remember, you can file a complaint even if the business hasn't done anything wrong. We mediate complaints and have good success in payday loan cases. The company often agrees to reduce the balance. So my advice would be to file a complaint, then share your story with everyone you know who is considering this kind of loan.

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