My clients have saved over 53% on their payday loans.

I have won against:

  • Cash Net USA
  • Plain Green Loans
  • Check N Go
  • Credit Ninja
  • Advance America
  • ACE Cash Express
  • Bright Lending
  • Net Credit
  • Check Into Cash
  • Money Messiah
  • Big Picture Loans
  • Mobiloans
  • Target Cash Now
  • Money Messiah
  • Bright Lending
  • Balance Credit
  • Lending Club
  • Green Arrow
  • King of Kash
  • My Quick Wallet
  • Lendumo
  • Arrowhead Advance
  • Money Key
  • Speedy Cash


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Julie A.
Sean and the Oak View Law Group have been absolutely fantastic in helping me with my settlement. I am very pleased with their professionalism and the outcome of their diligent work. Much appreciated!
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Arkham Harlequin
I was in a vicious cycle with payday loan companies and struggling so much. But OVLG was able to help me figure out my debt and set a payment schedule that worked for me.
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Signing up with Oak View Law Group has been one of the best financial decisions I have ever made. The accounts have been settled quickly and for less than I would have paid on my own.
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Success Stories

Saved $1840.46 with Cash Net USA for Client AC
Saved: $1,840
Client Initials: AC
Debt processed: $3,903
Debt settled: $1,450
Cash Net USA
Saved $1528.74 with Check N Go Online for Client AB1
Saved: $1,528
Client Initials: AB1
Debt processed: $3,388
Debt settled: $1,350
Check N Go Online
Saved $1417.56 with ACE Cash Express for Client DM2
Saved: $1,417
Client Initials: DM2
Debt processed: $3,780
Debt settled: $1,890
ACE Cash Express
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How does the payday loan settlement process work?

Once you contact us:

  1. You will work with my assistant. He will gather information on all of your debts.
  2. I will review your file and contact your payday loan companies. I will inform all of them they cannot harass you anymore.
  3. Most payday loan companies, once they know I am representing you, will settle the debt at favorable terms.
  4. I will have you work with my assistant to make payments to the payday loan company.
  5. You will be debt-free in three to four months.


I have helped people like you:

  • Lower your payoff amount
  • Reduce or eliminate collection calls
  • Eliminate late fees, advance fees, extra fees
  • Stop automatic debits
  • Avoid lawsuits

Payday loans are predatory. They are allowed to carry very high interest rates - up to 500%! - trapping people in a vicious cycle of debt. It's only natural that once trapped, people want to get payday loan debt relief.

  1. Our attorneys follow state and federal payday loan laws.
  2. Our secure system allows you to monitor your lender accounts closely.
  3. We know how to get payday loan companies off your back.
  4. We are confident in our work and offer a 100% refund if you are not satisfied.
  5. We offer a reasonable fee structure that won't interfere with your journey to financial freedom.

Step 1: Know how much you owe:

Don't go into debt negotiation blind. Make a list of all your lenders, calculate your outstanding balance for each, and make a note of the interest rates. Then you'll be in a strong position to settle your payday loans.

Step 2: Check whether your lender is licensed in your state:

Most states require payday loan lenders to be licensed. Check your state's laws to make sure your lender is following them. If they're not licensed, you may be able to avoid paying them back the full amount you owe.

Step 3: Cancel ACH authorizations:

If you have authorized your lender to automatically withdraw payments directly from your bank account, cancel it. Without authorization, they can't withdraw payments unless you allow it, putting you in a stronger position when the time comes to negotiate. This also prevents lenders from emptying your account.

Check the settlement company's fee structure and see if it's affordable.

Check if their business is accredited with the Better Business Bureau.

Ask if you'll get a refund if they can't help you pay off your payday loans.

Ask how they intend to provide you with payday loan relief.

Find out if they have good industry experience.

Find out how long they've been in business and what their success rate is when settling payday loans.

1. Join a payday loan debt settlement program

The payday loan debt settlement company negotiates with your lenders to reduce your outstanding balance to an affordable amount while waiving late penalties and fees. It helps you get payday loan relief fast.

2. Enroll in a payday loan debt consolidation program

Payday loan consolidation companies offer monthly payment plans tailored to your income. Once your loans have been consolidated, you'll enjoy a lower interest rate and a single, affordable monthly payment.

3. Opt for a payday loan debt management plan

With this option, credit counselors will explain how to get out of payday loans legally. They'll negotiate separately with each of your lenders for lower interest rates to create an affordable monthly payment. Then, they'll make a personalized budget plan to keep you on track to eliminate payday loans.

Read the features of each program to find the best way to get real payday loan relief.

Try to avoid bankruptcy, because it will hurt your credit.

Payday loans aren't legal in every state, but that doesn't stop unscrupulous lenders from offering them. If you took out a loan from a lender operating illegally in your state, you might be able to settle your debt for much less than you realize. Have you explored the payday loan laws in your state? If not, do it now. It could save you a fortune.

It's tough to settle and get out of payday loan debt on your own due to the following reasons:
  • Not every payday loan lender is legal. An experienced payday loan settlement company will be able to tell right away, potentially saving you thousands.
  • Most people don't have the training or experience necessary to negotiate payday loan settlements successfully.
  • Negotiations with lenders can be stressful and nerve-wracking.
  • Laws on payday loans and collection efforts vary from state to state. If you don't know the laws well, you are unlikely to get the best result.
  • Unless you've done this before, payday loan settlement companies have a much better track record than you.

Last Updated on: Mon, 19 Jul 2021

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