Alpine Loan Center Mountain Loan Centers Bully, Lie, Threaten, Harass Boise, Idaho

" . I feel like I am in a black hole with no way out. "

   There are a few ways out.   Pay off the loan before it gets worse or delclare bankruptcy.  The third way is to just ignore them and try to stay one step ahead of them for the next several years.   I'm not recommending any of these options, just pointing out that they are the ones you have.

   You seem to know that these are high risk, high interest loans.   You were gambling that you could pay back the loan before that interest piled up.  You lost the bet.   Since the stakes were your credit rating and a possible future judgement, there are not a lot of options.    That's the price you pay when you deal with legalized loan sharks. 

"  Is there no way of working with these people?   "

   The payday loan industry does not generally "work" with anyone.   Their prime tactic is to make your life miserable so that you'll pay this off and get them off your back.    Since these are high interest, no collateral loans to people with poor credit, they really have no alternative.   The only security they have is your promise on a contract.

" Lesson learned, I will never take a loan like this again "

  Kind of an expensive lesson, but better late than never.    I tell my friends, " If you can afford to pay triple digit compounding interest, you must be rich and shouldn't need a loan".   If you're not rich, you can't afford to pay triple digit interest rates and have no business going to these sharks.