Can I request a repayment extension or restructuring from AdvanceMeToday?

You can request it. But will they honor it? Probably not—and here is why your rights matter more than their policies.

Your Rights (Regardless of What the Lender Says):

Right #1: The Loan May Be Void

If AdvanceMeToday charges interest above your state's legal limit, the entire loan contract may be void and unenforceable . In that case, you do not need an extension—you need to dispute the debt entirely.

Right #2: You Control Communication

You have the right to demand that the lender:

• Stop calling your workplace
• Stop contacting your family
• Only communicate with you in writing (email or mail)

Right #3: You Can Negotiate From Strength

Because AdvanceMeToday has been cited for illegal lending , they may be motivated to settle rather than face regulatory action. You can offer a lump sum payment (e.g., 50% of the original principal, ignoring all interest) to close the account.

Right #4: Illegal Collectors Cannot Sue

A lender operating illegally cannot successfully sue you in court without exposing their own illegal practices. This gives you significant leverage.

How to Request Restructuring (If You Choose To):

Send a written request (certified mail or email with read receipt) stating:

"I am requesting a repayment extension or restructuring of my loan. I require the following: [X] additional months to repay, a reduction of interest rate to [Y]%, and no additional fees. Please respond in writing within 14 days."

If They Refuse:

• Make no payments until they negotiate
• Report them to your state Attorney General
• Consult a legal aid organization