Indiana - online PDL Troubles

Okay, where should I start first, closing the bank account or contacting pdl's and ask for arrangements or file complaint with Attorney General's office, I'm a little confused...

Where should I start first?? Close bank account, contact pdl companies ask for options, file complaints with Attorney General's office??? How do I file claim with Attorney General and what do I say? What all needs to be done for correspondence to the pdl companies? I guess I'm all confused.

Close your bank account first. Then file with the AG's office, then write the letters to the pdl's. You can usually file the complaints online with your state AG. Go to their website and they will have a form and instructions on how to fill it out. Just be honest, tell them how much you have been charged, etc.

guest, we can help you! Before we tell you where to begin, we'll need a little more information. Are they internet pdl's? Are they storefront pdl's? Which companies are you dealing with? How much did you borrow? How much have you paid so far? And what state do you reside in? If you post this information, we can go from there!

Oh, I wasn't thinking . . . . I just assumed the guest poster was the original poster not signed in . . . . But it totally could be another person.

If this is a new person, please provide the info Cannr requested . . . . I can split the post to start you a new thread.

goudah...is this the same person? Now I'm confused! I thought it was a guest posting under this thread!

I don't know . . . . I guess we will have to wait and see if they post again!

Tweety...I am PM'ing you a copy of the letter I used...

oops, yes it's me Bikergirl, can't figure out how to get back logged in... lol

Bikergirl here I just spoke to Langhorne and they told me to close my bank accounts, pay them $100 start up fee, and my fee would be $237 a month while they negotiated, sounds alot better than $345 a week out of my paycheck every week!!! I might start there, any opinions to this?

Bikergirl...there is a log in tag in the very upper right hand corner of the page...

Some people have used Langhorn..if you would rather do that than fight them on your own...you can search them out in the google box to see what others that have worked with them thought.

Bikergirl here... lol
I just got off the phone with Towne and Country they tell me start up fee of $195, then my payments would be $200 a month... Sounds good, just wonder if they can help these things go away.. which they say they can do. Orrrr is this something I can do all myself??? What's your thoughts?

Bikergirl...many of us have done this on our own...I listed the regular plan above in one of the other posts from this morning...I believe there is info there from goudah also. Some people choose to have another company like langhorn or T&C do it...it really depends on you. It is a lot of work to do it on your own...and you will have ups and downs as we all do..but in the end you have to make your own decisions.

Jumping in here real quick! bikergirl, T&C and Langhorne should both send you paperwork stating what they will do,etc. If you have called them and talked to them, they should be sending you something. Get your documents from them. Read them carefully. Then weigh your options. If you chose to do it on your own, of course, we are here to help you. Morningstarr is an Indiana resident and can help a lot. If you get your documents and read them and one sounds good, then do what you consider works best for you. Everyone has their own situation. And you do what is best for you and your situation. There is no wrong answer here.

Many here have used Langhorn with success. What they do is have you save up money in a special account each month. Once you have enough in there they begin negotiations with the pdl's to settle the accounts.

Langhorn is a lawyer, and he used to work for the pdl's, so he knows how they work, what pressure to use, and so forth. I have heard that he can be very effective.

If you are still looking for companies to consolidate your pdls, I recommend speaking to the "financial coach" in the customer care of this website. He will go through your debt situation and recommend a suitable company in your area. Call them at 800-601-1579