Update- What a difference 3 weeks can make :)

I found this board, three short weeks ago. In that time, I have made amazing progress against my pdl "habit".
Three weeks ago, I had 3 storefront pdl's. ( which I am still paying on) and 8 internet payday loans.

Since contacting all of the internet payday lenders that I have overpaid, I have been able to get 3....yes count them 3, paid in fulls. I am still waiting for the actual letters, but I keep following up with them each day until I receive them. I also just got off the phone with Pack Management dba B&L and was told that my refund will be sent today :o

I still have a ways to go, but I am seeing progress and a light at the end of the tunnel.
Thank you to everyone who has helped me get to this point! This board is a blessing!