Payday Loan here Debt Relief here br br One of the first things you can do is have a payday loan debt consolidation specialist take over your debt and work directly with lending companies based on their expertise. They usually have many years of dealing with lenders so they know how to best serve your needs. The program will be able to stop any overage fees and interest charges that you are incurring for the time because they want you to have a more comfortable lifestyle. Many money lenders hold money for many months before they pass the money along, but the best are those that do not do this.