Use of the services is limited to parties that lawfully can enter into and form contracts under applicable law. For example, minors are not allowed to use the service.
Links and Content
Company is not responsible for, and cannot guarantee the performance of, any products and services provided by any advertisers or others to whose sites we link. A link to another website does not constitute an endorsement of that site (nor of any product, service or other material offered on that site) by Company or its licensors.
While we try to ensure that any information we post to this website is both timely and accurate, errors may appear from time to time, since the Company Website is not updated daily. Therefore certain information may not be the most current information available. While we may post up to date information and reports, we may also continue to provide access to the original information and reports, as in an archive of news stories, for example, and we may not go back and change the original report to reflect new information. If you're looking for the most recent information on a given subject be sure you're not looking at an out of date report. Before you act on information you've found on our website, you should independently confirm any facts that are important to your decision.
Although we make this website freely accessible, the materials available through this website are the property of Company or its licensors, and are protected by copyright, trademark and other intellectual property laws. Except for the limited licenses expressly granted to you in this agreement, Company and its licensors expressly reserve all other rights and licenses. You are free to display and print for your personal, non-commercial use information you receive through this website, but you may not otherwise reproduce or modify any of the materials without the prior written consent of their owner. You may not distribute copies of materials found on this website in any form, without our prior written consent. Of course, you are free to encourage others to access the information themselves on this website and to tell them how to find it by linking to this site. Requests for permission to reproduce or distribute materials found on this website should be sent to email@example.com.
We welcome links to the homepage of our website. You are free to establish a hypertext link to the any part of this site so long as the link does not state or imply any affiliation with Company. We do not permit framing or inline linking to our website or any portion of it.
Company and its trademarks and service marks, logos and product and service names and phrases, which Company no claims or may claim in the future, are trademarks of Company (the "Company marks"). You agree not to display or use the Company marks in any manner, without Company's prior written permission.
You should report any violations of the Agreement to firstname.lastname@example.org.
Submissions and Postings
You are solely responsible for any information that you submit or post on this website. By using this website you agree not to submit, post or transmit any defamatory, abusive, obscene, threatening or illegal material, or any other material that infringes on the ability of others to enjoy this website or that infringes on the rights of others. We retain the right to deny access to anyone who we believe has violated these terms or any other term of this agreement.
We reserve the right (but assume no obligation) to monitor, delete, move, or edit any submissions or postings that come to our attention that we consider unacceptable or inappropriate, whether for legal or other reasons. We will comply with all requirements of the law regarding disclosure of any submissions or postings on this website to others, including to law enforcement agencies and parties making civil legal requests. We will also comply with any other requirements of the law regarding disclosure of other aspects of your use of this website.
Company reserves the right at any time to terminate your use of this website if you fail to comply in full with any term of this agreement, or any other terms, agreements, or policies that apply to this website and the use of it.
You agree to indemnify, defend, and hold harmless Company (including its parents, subsidiaries, and affiliates and all of their respective officers, directors, employees, agents, licensors, suppliers and any third-party information providers) against all claims, losses, expenses, damages and costs (including reasonable attorney fees) resulting from any breach of this agreement or unauthorized use of this website. Your indemnification obligation shall survive the termination of this agreement. At our expense and election, we reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you and you agree to cooperate with Company in connection with our defense.
Disclaimer of Warranties and Liability
YOU AGREE THAT YOUR USE OF THIS WEBSITE IS AT YOUR SOLE RISK. BECAUSE OF THE NUMBER OF POSSIBLE SOURCES OF INFORMATION AVAILABLE THROUGH THE WEBSITE, AND THE INHERENT HAZARDS AND UNCERTAINTIES OF ELECTRONIC DISTRIBUTION, THERE MAY BE INTERRUPTIONS, DELAYS, OMISSIONS, INACCURACIES, OR OTHER PROBLEMS WITH SUCH INFORMATION. IF YOU RELY ON THIS WEBSITE OR ANY MATERIAL AVAILABLE THROUGH THIS WEBSITE, YOU DO SO AT YOUR OWN RISK. YOU UNDERSTAND THAT YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM ANY MATERIAL AND/OR DATA DOWNLOADED FROM OR OTHERWISE PROVIDED THROUGH THIS WEBSITE.
THIS WEBSITE IS PROVIDED TO YOU "AS IS," "WITH ALL FAULTS," AND "AS AVAILABLE." COMPANY AND ITS AGENTS AND LICENSORS CANNOT AND DO NOT WARRANT THE ACCURACY, COMPLETENESS, USEFULNESS, TIMELINESS, NONINFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OF THE INFORMATION AVAILABLE THROUGH THE WEBSITE, NOR DO THEY GUARANTEE THAT THE WEBSITE WILL BE ERROR-FREE, OR CONTINUOUSLY AVAILABLE, OR THAT THE WEBSITE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
UNDER NO CIRCUMSTANCES SHALL COMPANY (INCLUDING ITS PARENTS, SUBSIDIARIES, AND AFFILIATES) OR ITS AGENTS OR LICENSORS BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES ARISING OUT OF ANY USE OR MISUSE OF THIS WEBSITE, INCLUDING, WITHOUT LIMITATION, LIABILITY FOR CONSEQUENTIAL, SPECIAL, INCIDENTAL, INDIRECT, OR SIMILAR DAMAGES, EVEN IF ADVISED BEFOREHAND OF THE POSSIBILITY OF SUCH DAMAGES, REGARDLESS OF THE FORM OR CAUSE OF ACTION INCLUDING, BUT NOT LIMITED TO, CONTRACT, NEGLIGENCE, AND OTHER TORT ACTIONS. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, THE LIABILITY OF COMPANY AND ITS AGENTS AND LICENSORS IS LIMITED TO THE FULLEST EXTENT PERMITTED BY SUCH STATE LAW. YOU AGREE THAT THE LIABILITY OF COMPANY (INCLUDING ITS PARENTS, SUBSIDIARIES, AND AFFILIATES) AND ITS AGENTS AND LICENSORS, IF ANY, ARISING OUT OF ANY KIND OF LEGAL CLAIM IN ANY WAY CONNECTED TO THE WEBSITE SHALL NOT EXCEED THE AMOUNT YOU PAID TO COMPANY FOR THE USE OF THE WEBSITE.
Exclusions and Limitations
Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you. To the extent a court determines any provisions in this Agreement to be unenforceable; such a determination shall not affect the validity of the remaining terms of this Agreement, which shall remain in full force and effect.
By visiting and/or using the Company Website from within the United States, you agree that the laws of the State of Delaware, without regard to principles of conflict of laws, will govern this Agreement and any dispute of any sort that might arise between you and Company or its affiliates.
IN THE EVENT OF ANY CONTROVERSY, CLAIM OR DISPUTE BETWEEN THE PARTIES ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE BREACH, TERMINATION, ENFORCEMENT, INTERPRETATION OR VALIDITY THEREOF, INCLUDING THE TERMINATION OF THE SCOPE OR APPLICABILITY OF THIS AGREEMENT TO ARBITRATE, SHALL BE DETERMINED BY ARBITRATION IN DELAWARE OR IN THE COUNTY IN WHICH THE CONSUMER RESIDES, IN ACCORDANCE WITH THE LAWS OF THE STATE OF DELAWARE FOR AGREEMENTS TO BE MADE IN AND TO BE PERFORMED IN DELAWARE. THE PARTIES AGREE, THE ARBITRATION SHALL BE ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION ("AAA") PURSUANT TO ITS RULES AND PROCEDURES AND AN ARBITRATOR SHALL BE SELECTED BY THE AAA. THE ARBITRATOR SHALL BE NEUTRAL AND INDEPENDENT AND SHALL COMPLY WITH THE AAA CODE OF ETHICS. THE AWARD RENDERED BY THE ARBITRATOR SHALL BE FINAL AND SHALL NOT BE SUBJECT TO VACATION OR MODIFICATION. JUDGMENT ON THE AWARD MADE BY THE ARBITRATOR MAY BE ENTERED IN ANY COURT HAVING JURISDICTION OVER THE PARTIES. IF EITHER PARTY FAILS TO COMPLY WITH THE ARBITRATOR'S AWARD, THE INJURED PARTY MAY PETITION THE CIRCUIT COURT FOR ENFORCEMENT. THE PARTIES AGREE THAT EITHER PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN HIS/HER OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. FURTHER, THE PARTIES AGREE THAT THE ARBITRATOR MAY NOT CONSOLIDATE PROCEEDINGS OF MORE THAN ONE PERSON'S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF REPRESENTATIVE OR CLASS PROCEEDING. THE PARTIES SHALL SHARE THE COST OF ARBITRATION, INCLUDING ATTORNEYS FEES, EQUALLY. IF THE CONSUMERS SHARE OF THE COST IS GREATER THAN $1,000.00 (ONE-THOUSAND DOLLARS), THE COMPANY WILL PAY THE CONSUMERS SHARE OF COSTS IN EXCESS OF THAT AMOUNT.
IN THE EVENT A PARTY FAILS TO PROCEED WITH ARBITRATION, UNSUCCESSFULLY CHALLENGES THE ARBITRATOR'S AWARD, OR FAILS TO COMPLY WITH THE ARBITRATOR'S AWARD, THE OTHER PARTY IS ENTITLED TO COSTS OF SUIT, INCLUDING A REASONABLE ATTORNEY'S FEE FOR HAVING TO COMPEL ARBITRATION OR DEFEND OR ENFORCE THE AWARD.
Additional Dispute Resolution
Any other Disputes will be Resolved as Follows:
If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed upon mediator. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.
If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.
Notices and Email
You agree that Company may submit any notices to you via either e-mail or regular mail. The service may also provide notices by displaying notices or links to notices to you generally on the service, which notice you also agree Company may submit to you via e-mail or regular mail.
Questions and Comments
We invite you to send in your questions or comments about this website, or to bring to our attention any material you believe to be inaccurate. You may provide general feedback by emailing us at email@example.com.
What information do we collect?
We collect information from you when you fill out a form. When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address or phone number. You may, however, visit our site anonymously.
What do we use your information for?
Any of the information we collect from you may be used in one of the following ways:
- To personalize your experience (your information helps us to better respond to your individual needs)
- To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you)
- To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs)
- To process transactions
Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested.
- To administer a contest, promotion, survey or other site feature
- To send periodic emails
The email address you provide for order processing, may be used to send you information and updates pertaining to your order, in addition to receiving occasional company news, updates, related product or service information, etc.
Note: If at any time you would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email.
How do we protect your information?
We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information. After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be kept on file for more than 60 days.
Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information.
If you prefer, you can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies via your browser settings. Like most websites, if you turn your cookies off, some of our services may not function properly. However, you can still place orders over the telephone.
Do we disclose any information to outside parties?
We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
Third party links
Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.
California Online Privacy Protection Act Compliance
Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.
Childrens Online Privacy Protection Act Compliance
We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.
Terms and Conditions
You need to get out of debt now? Payday Loan Consolidation in 5 minutes
If you have multiple outstanding payday loans with a total debt in excess of $1000, you may be able to tackle your payday loan debt with the help of Green-Touch.org’s payday debt consolidation program. We may be able to lower and simplify your monthly payments. So give us a call or complete our quick and easy online form TODAY and get your payday loan debt under control.
Just one monthly payment
Break the payday loan debt cycle
ONLY THREE EASY STEPS TO SUCCESS
Fill out the form
Receive a free quote
Consolidate your Payday Loans
Benefits of Installment loans
- Just One Affordable Monthly Payment
- Fewer Collection Calls
- Rid Yourself of Payday Loan Debt
- No Upfront Fees
- Free Quotes
- Online application
You’ll most likely agree with us when we say that payday loans can be a useful credit tool when utilized properly. They allow us to bridge an unexpected gap in short-term cash flow and the amount of money involved is just a few hundred dollars. Although the interest rate is ridiculously high, it usually doesn’t matter because the amount of money needed is small and the borrowing period is for a very short term time period. Hundreds of percent per year are just a couple of percent per day.
At least it may have seemed that way when you took out the loan, but then you let it slide or you didn’t repay the loan in full and the interest began accumulating at an alarming rate. You may even be a victim of payday loan scams. We are here to help you get back on track and we’ll explain how.
Just read on for a few minutes:
People fall into this trap every day, and regulators are worried about it. They have proposed legislation that would limit the number of loans that can be taken in a single year. Whilst that will help people in the future, it doesn’t solve the problem for people who have spiraling payday debts today. The average payday loan borrower takes out 8 payday advances per year. Even with the best of intentions it only takes things to go wrong on one of those occasions for the debt to get out of control.
Payday lenders are not known for their easy going demeanor. Part of lending unsecured funds is debt collection and the worse companies resort to harassment and intimidation. In even worse cases you may have borrowed money illegally from a loan shark and whilst their interest rates tend to be lower the consequences of failure to include illegal physical violence. If you are in any of these situations you need to take action today and consolidate your payday loans in order to get debt relief.
Debt Consolidation has the following advantages:
- A negotiation with your lenders for the reduction in interest rate and the amount outstanding. This is the most important feature of debt relief.
- Extension or repayment period. Along with a lower interest rate comes the ability to extend the loan to make repayment manageable.
- You can consolidate more than one debt. You may have several payments which you can replace with a single payment.
- A sensible repayment plan. You will agree your repayment plan once the negotiation with your lenders is finished and you will be in full control with a light at the end of the tunnel putting you back on the road to security.
- BBB accredited lenders meet some standards and include a commitment to make an effort to resolve customer complaints. You can also check the company’s reviews.
- Online payday loan consolidation is available. You don’t need to visit a storefront.
The payday industry is a mixture of legitimate lenders and also less scrupulous individuals who can pray on the weak. Consider these strategies to avoid problems and scams:
- Never make any upfront payment. Many companies simply ask you for money and never pay off your loans. In the US and Canada, companies asking for funds are not legitimate.
- Avoid companies claiming nonprofit status. If they are not a government affiliate the probability is they are working for themselves and not for you. The FTC has taken action on these kinds of companies in the past.
- Avoid companies which don’t take the time to consider your specific case.
- Research the company making the offer. Do they have a range of products?
- Contact your creditors and ask if they will work with the company.
- Read your agreement. Make sure the interest rate and time frame are acceptable to you.
- Be sure your lenders have agreed to the repayment plan before you pay anything to the debt consolidation company.
- watch your statements to ensure that your payments are reaching the lenders.
- Watch the fees the debt consolidation fee is charging you. This may include a management fee which is a percentage of the whole debt, a portion of what they save you, sign up fees and monthly administration fees.
- Watch out for “voluntary fees” and unnecessary insurance policies which get bundled with the package.
Once you apply for debt consolidation (apply now using the form above) you will speak to a debt consultant, but remember this person works for the lender. You should also seek independent financial advice from a legitimate organization. The debt consultant will assess your situation and help you work out a sensible repayment plan. You will need to provide some documents and to sign an application. The process is usually fast and easy. Once approved, the debt consolidation company will negotiate with your lenders to achieve the plan you agreed and once the final plan is agreed you will make a single monthly payment, most often by a pre-authorized payment.
- A home equity loan: Even though payday loan debt consolidation may seem like the solution to your problems, the interest rate is still likely to be much higher than what you’re used to paying on secured loans. If you have a property you will be better off increasing the size of your mortgage if you are not sure how long you will need for the repayment. There will be a cost associated with arranging such a loan, so you should compare the arrangement fee with the interest you will pay in a consolidation program. consider also that a default on your mortgage can lead to you losing your property altogether.
- A cash advance: You can take out a cash advance on your credit card and use it to repay your payday loans. This might be a viable option as the interest rate is lower, but if you got to the point where you needed a payday loan in the first place then it might not be possible.
- Bankruptcy: Most debts can be liquidated in a bankruptcy. If your debts are not manageable you might want to consider this option, but this involves protracted documentation and stigma and also obliteration of your credit score. Before going down this road you should try to negotiate with the lenders.
- A debt management plan: Similarly to debt settlement organized by a company, You can try contacting your lenders yourself and telling them you cannot afford to pay and propose a reduction in the rate which will allow you to continue repayments. If they think you are serious they may accommodate you.
After considering all your options, the most important is not to delay a decision. When you delay, interest payments continue to mount and your situation will worsen.
Apply above to get started.
Payday loan consolidation involves hiring a company to negotiate your payday loan debt directly with the individual lenders. The goal is to decrease the amount you are required to pay back. In general, the payday loan consolidation company will set up a savings account in your name, into which you will make small monthly payments. The negotiator then uses these funds to negotiate a settlement with the lender. The interest on your payday loans will stop accruing, leaving you with less to pay back over time. If you have multiple payday loans and think you could benefit from this service, call our toll-free number and speak to one of our representatives without delay.
Do you need help?
Do you need help?
Accepting that your debts have become unmanageable can be difficult. Many people find a small debt becomes impossibly large within a short space of time, particularly if they fail to make their repayments on time and face penalties. If you regularly receive calls, letters or emails from your payday loan lenders or a debt collection agency, then this may be a sign that you need financial help.
Another way of considering whether or not you need assistance with your payday loan debt is to think about whether you will be able to pay it back within one year. Payday loan consolidation could leave you debt-free within as little as six to 18 months. If you doubt your ability to pay off your payday loan debt without help, speak to a representative via our toll-free number or complete our online application form without delay.
If you decide to seek help from a payday loan debt consolidation company, they will start by talking to you about your debt and working out your monthly payments. They will then open a savings account in your name and negotiate with your lenders on your behalf, paying them back using the funds that accrue in your savings account. Typically, people who choose payday loan debt consolidation find the process takes between six and 18 months, after which they become debt-free. The exact time it takes to clear your debts will depend on a number of factors:
1. The total amount of payday loan debt you have
2. The amount you can afford to pay into your savings account each month. This is usually calculated by considering your monthly income and expenses.
3. The negotiations between your payday loan consolidation company and your lenders. Most payday loan companies recognize that it is better to get some money back from you than none at all and are willing to enter into discussions with the consolidation company.
Find out more about payday loan debt consolidation and your probable monthly payments if you choose this route by calling our toll-free number and speaking to a representative.
Be debt free
Be Debt Free
If you are struggling to manage your payday loan debt, there are really only two options – file a bankruptcy or pay back the loans. Bankruptcy allows you to erase your debts, but you will have a negative mark on your credit record for up to ten years. This really should be a last resort. The alternative is to consider hiring a company like Green Touch to negotiate on your behalf and help you pay off the loans.
Payday loan lenders tend to be very strict about ensuring you repay your loans on time, so take action before you incur penalties and get into more serious debt. Complete our online application form or call our toll-free number and speak to one of our representatives.