My PDL Journey Begins

If you can't find any of the addresses, post the company names and I'm sure someone will have it!

Good luck! We are all here in case you have any questions along the way! :D

Keep your chin up. I am sure you will get through all this and live a debt free life.

Thanks goudah, you've been a HUGE help already!

Thanks BKP, I will with all the help and strength I've been getting from this site! It's actually given me the incentive to fight this and get it all taken care of!

No problem . . . . And any question you may have, please ask. There are no stupid questions.

Most of us have been in your shoes, and can give you advice and support along the way. :D

litlee, remember, there is always light at the end of the tunnel. Sometimes, the time taken to cover the way maybe longer but you will definitely see the end.. Just stick to your goal.

Oh trust me BKP I am sticking to my goal! I just want this all over and done with. I made a HUGE mistake but it will be corrected in the end!

Yup! I am sure you will learn from your previous mistakes and it's a valuable lesson for your future.

And for my kids! My son is so mad at me for doing that, but he does understand that they did put food in his stomach and help with other things.

This can be turned into a good thing - You can show your son that even when things look very dismal, there is always a way out! You can make him proud by doing right, and clawing your way out from under these payday loans! :D

Yes, and with your help I will do just that!

litlee8,
I know exactly how that feels, my son is 17 and could not understand how we could get ourselves into such a mess. I just explained to him that up until this point he never was even talked to about our finances and that there were lots of things he still didn't know yet, but, my kid is 17.... so, he got an earful for being judgmental.

bflow....I have been a single mom for about 18 years...my kids were just 8 and 4 when I struck out on my own. Fianancially it has always been difficult to raise the kids one just my salary and what little support I got. As they got older we had issues like that too...finally I think they were about 12 & 16, I stopped feeling guilty and sat them down and showed them where our money went...rent, food, etc...so that they understood how life went and how important it was to keep things straight...they were much better and more understanding after that.

Since this all started I have talked to each of them, I have three children, all old enough now to know how finances work and how NOT to make the same mistakes we make. We feel so guilty that we barely make it from paycheck to paycheck since this mess started and can't afford much for them right now. But it'll get better as we get farther out of this mess.

We are all here to help. If anyone needs any contact information, addresses, phone numbers, emails, whatever - believe me - someone on here will have it. Ask for them. Ask for advice. Ask anything you want. You will get answers. And very willingly! So, whatever anyone needs, just post. You'll get replies and they'll really help! I'm all for giving out the info that I have! The more people get on these pdl's and file complaints, the better off we'll all be! TOGETHER! :D

cannr i just joined the forum i posted 2 questions to the forum and no has replied. i am looking for a consolidation comp that is reputable and will accept my pdl i have 8 and i live in new york how do i know if they are legit

finechile2000,
I called T&C (Town and Country Acceptance) in Birmingham, AL. Their number is 205-823-4930. They will accept your PDL's but if you want to do this on your own, YOU CAN with help from this site!!!!

bflow is right. T&C takes pdl's. And from what other forum members have posted, they're happy with them. And it gets the pdl's off YOUR back. It's up to you, though. Some choose to fight the battle on their own, if possible. However, if you would rather have someone do the negotiating for you, then feel free to call them. If you read through the posts - or do the google search - you will find a lot of people using T&C. It doesn't hurt to call. You don't have to commit to anything. You can see what they have to say and then decide from there if you want them to handle your pdl's or if you want to fight the fight. And there's no wrong answer. It's whatever works best for you in your situation.

That is exactly what I did, just called to get an idea of what they could do. I opted to handle it on my own, with T&C for a backup, only if and when I decide to stop fighting it myself. Not to that point yet. You won't lose anything by calling them. Cannr is correct, there is not right or wrong way to handle this, only what is best for EACH of us. Good luck!!!! Let us know how you are doing.

I've sat down with my oldest 2 ages, almost 16 and 13 and explained to them why and how things got so tight and that if they had wanted to eat I had to do the PDL thing 1 month. Well that company took more then they were suppose to which put me in the negative so guess what? Yep, I had to get another PDL to fix the overdrafts. And it just went on from there until my whole paycheck was going to PDL's renewing. I couldn't get 1 paid off or even paid down!

They both understand now, even tho they were upset at first.

litlee8,
That is what I experienced. One led to another due to overdrafts, or food, or just expense money til next payday since they had taken all of my original paycheck. I understand fully that I got myself into this mess (which my son made me fully aware of also, LOL). I love him to death but he is a TEENAGER, and boy, Don't they think they know everything!!!! Well, let me tell you, he is finding out quickly how the REAL world works and that if you aren't going to school, or working, Mom and Dad arent' going to flip the bill anymore. He called from my parents this week (where he has moved to (Florida)and asked for some money (he said to go look for a job-for gas) and I found out it was actually for GOLF, I said HELL NO!!! He thought he wanted to be on his own, be on YOUR own (except if he really needed something that was medicine, food, etc.). Ya know, what kind of responsibility would I show him if I send him golf money every time he wants it even though he decided to quit school, etc. GET A JOB, that's what I told him. You chose to end your childhood early when you quit school. Anyway, If I had the extra money, would I give it to him to play golf, HELL NO! I'd pay extra on a bill that's behind!!!

I hear ya bflow! Mine son gets upset because I won't hand over $10 for him to get a new game! Then I say to him, excuse me, but whose gonna pay these PDL's a lil bit if I give you that $10. He'll look at me and say sorry momma I forgot about that.

He tried really hard, he wants to go out and get a job to help me with this mess, but no one will hire him til he's atleast 16. And personally I think that's still too young to start working. I mean he starts then he's got how many more years to work and how much time is he gonna lose as a "child". He'd hurt me if he seen me call him a child lol he thinks he's a man now growing all that facial hair and stuff LOL

I know that feeling. My daughter just worked (don't tell your son..at 14yrs old..at Taco Bell), they worked her 37.5 hrs a week. Too much for a kid, so, she go tired and quit. I don't blame her. My daughter wanted to help us too, but, I told her to buy herself some clothes, etc. and when we get out of this mess I'll reimburse her some money since we'll have to buy school clothes anyway. They are such little angels, all of them, they have the biggest hearts but don't have any way to actually help. It makes me proud that they just offer to!

I know, I couldn't agree more with you. He got mad at me over the weekend cuz he says I worried myself sick and now I'm off work 2 days because of it. Sad thing is, he's probably partially right!

It will all work out. I had 10 or 11 payday loans when I started fighting this on June 20th. Now I am actually down to 3 that keep debiting, one that wants me to settle for $300 but they want it by 8/3...not going to happen! Then one sent me to collections before I defaulted but I sent a "contact me by mail only letter to the CA" and they haven't called any more. So, I'm doing OK....YOU WILL TOO!!

Everyone is going to be ok!! There is so much knowledge and experience on this forum that if we all work towards it, we can knock out our pdl's and take back our lives from these places.