Welcome to the Community
You aren't alone! Many of us have been where you have, or similiar circumstance. As far as companies not doing pdls, some do. Please sign up for the free consultaion and see what option you may have.
Have you talked with the Dept. of Revenue about payments? They may be willing to do so since it has been a year.
If you can list who your pdl loans are with, how much was paid and what state you are in, it will be a starting point.
Are your cc with the original creditor or with collection agencies?
Take a deep breath, we are here to help and support you through this!!..Karen