I want to share a conversation I had not long ago with a new friend.

This is a conversation that I know is happening each and every day, maybe it’s one you've even had.

For privacy issues I will can him Jack. Good news after our chat his problem has been resolved - keep reading to find out how.

Jack: Hey Leo how’s it going? My friend Amy (not her real name) told me to call you because she said you may be able to help me.

Me: If I can I certainly will – what’s the problem?

Jack: Honestly I’m in a whole bunch of financial trouble; a few months ago our hot water heater crapped out and we didn't have the money to fix it – and heading into winter there was no way we could go without a heater.

I tried getting a loan from friends and that was a no go – my mom and dad are struggling so they couldn't help and my boss would not give me an advance. So I found out about a company that gives payday loans – so I got one.

Me: I think I know where this is going – but go on.

Jack: So when it came time to pay the loan back I didn't have enough money because of other bills I had. So they gave me the option of extending the loan - all I had to do was pay a fee.

I did this twice but that’s all they would allow me to do –I had to pay the loan back the next time I was in. So I went to a different payday loan company got a new loan so I could pay off my first loan – but I’m still in the same hole – just with another loan company.

But it gets worse I have a more than one loan out with more than one lender – I’m in so much trouble. I can’t sleep, I can’t eat – I got lenders calling me wanting their money!

I have no idea how I’m going to get out of this… I was told by my friend Amy that you may know of a way I can get out of this hole I’m in … is that true?

Me: Yes it’s true – there is a way out of this hole .

What you’re going to do is use what is called a Payday Loan Debt Consolidation Program – the program is free – meaning you will not be charged an upfront fee to use the program.

Plus you don’t need any collateral for the loan and your credit rating does not play any factor for qualifying either.

What’s going to happen is the consolidation company is going to take over your loan – this way the lenders have to deal with them from now on. Next they will negotiate a re-payment plan with your lenders – this will be far less then you are paying now.

The payments will be spread over 6, 12 or 18 months – you’ll then pay the consolidation company one monthly payment and then the consolidation company will pay your lenders.

Doing this will also stop all the harassing phone calls plus end all the fees and interest.

Your responsibility is NOT to miss a payment with the consolidation company – and not get another payday loan.

Now I know of a legitimate company – I say legitimate because there are plenty of scams out there – and you don’t need to get sucked into one of those.

Give me your email address and I’ll send you all the information about the payday debt consolidation company that I know of that can end this nightmare for you right away.

Jack: Thanks man – you saved my life!!

Me: No worries very glad I could help – have a great day.

Jack: I will now – thanks again.