This is all great advice. Be advised that PDL companies are notoriously bad. You must be sure that they are licensed to extend loans in your state. I have found two PDL companies that are not licensed, registered as a corporation or d/b/a in NM, OK, or CA. All these states require licenses to extend loans period. You can find out by going to your state's secretary of state website, they will be able to direct you.
Here's a important point, from my contracts class. All contracts, to be legal, must meet 4 requirements. They are: 1) offer; 2) acceptance; 3) consideration; and 4) legality. If the PDL company you are dealing with has meet all of these requirements expect one, the contract is null and void. In my case, the PDL company I was dealing with has no license to extend loans in CA. It does not meet element 4 - "legality" therefore, my contract with these companies (United Cash Loans and One Click Cash) are void.
I have filed a complaint with CA's Dept. of Corporations, OK's Dept. of Consumer Credit and NM's Dept. of Finance. I am a paralegal not a lawyer. To the extent you seek legal advice please seek one.
Mickela, you did the right thing. Now go and find out if they are in fact legal to operate. The Attorney General in your state my file suit against your PDL company.
Good luck all!
Jay
p.s. does anyone live in OK and if so, have you been extended a loan by United Cash Loan or One Click Cash? Please advise.