Payday Loans Collective
We are the Payday Loans Collective 8
We are payday loan holders who have joined together to fight back against lenders, check cashing outlets, collectors and the government officials that support this predatory industry.
As a community of debtors, we share the burden of payday loans. Debt has isolated us and made us feel alone and ashamed. Now we have come out of the shadows to fight back.
As a community, we also share a vision of a United States where our basic needs are met and no one has to take out a payday loan.
As a collective, we have short- and long-term goals. In the short term, we help each other know and understand our debt and our rights as borrowers. We direct each other to dispute tools, and we develop strategies for fighting back. In the long term, we create regional and national campaigns that take our struggle beyond our individual situations.
Members of this collective are different in many ways. Some of us are old, and some are young; we are from different parts of the country; we are diverse in race, ethnicity and religious background. We are united by a commitment to justice, solidarity, and a better future for all. Members who engage in racist, sexist, anti-immigrant or other degrading or dehumanizing behavior will be removed.
We made these free tools to help us fight back. Learn more
Our growing movement needs people willing to throw down like you just did. Thank you.
Your card has been declined. Get in touch with your bank or card issuer to solve the problem.
This tool generates a dispute letter demanding that the creditor or collector send documentation to you proving that they own the debt and have the right to collect it. There is no risk to you in filing this dispute. Creditors and collectors are required by law to provide you with this information.
If you are not in default on the debt you wish to dispute, this tool will assist you to ask the creditor for the original contract or promissory note. If you are in default on the debt, this tool will assist you to demand that the collector send a series of documents called the "chain of title." If you are not sure whether or not you are in default, you can still use this dispute.
Before you begin you will need the name and address of the creditor or the collector that is billing you. After you complete the dispute, you will receive a copy of the dispute by email which you can print and mail the yourself. You will also be given a chance to ask us to mail it for you. We also encourage all debt disputers to use our online system to report the responses you get from the collector. The more information we have about how creditors and collectors are responding to individual disputes, the better we can organize collectively against them.
Millions of us have errors on our credit reports, which makes it harder to do basic things like get a job or rent an apartment. Fight back! You can get a free copy of your credit report once per year at annualcreditreport.com or call 1-877- 322-8228. For a list of common errors to look for, go here. Once you have determined that there are errors on your report, you can use this tool to ask for a correction. This tool will help you write a dispute letter to the three main credit reporting agencies. The Debt Collective will submit the letters your behalf. For more information about the process, go here. Please have a photo of your picture ID ready to upload (taking a picture with your camera phone is fine).