Ladybug is right- you need to go to the pdl places in person, and see what you can work out with them
My store fronts worked with me when I went in and explained my financial situation, and that I wanted to pay these off, but it was beoming difficult to do so.
The store front ones here will work with you, but if you don't pay, they take you to court, so it's important to get these dealt with.
Feel free to ask questions, and to post..Karen