23 pages of help, yet no one has helped you . . . . Sad . . . . . Glad to see the thanks everyone gets for putting in the time and effort.
Hell, if it was as easy as one letter to each company, this site wouldn't be as active as it is. Most companies take months to conquer. You have to presever.
Your negative attitude is the problem. I just hope other's reading this don't get discouraged by your posts and think this is how it goes. You are the ONLY person that has gotten help here that came back with this kind of attitude.
To all the others out there that actually want to take control of their financial life and end the cycle of payday loans - Know this. It is not easy. No one said it would be. It is work. You must put in the time and energy to see results. If you have a bad attitude and don't want to put in the effort to clear up you mess, you will be stuck forever. No situation is too far gone.
I've seen far worse off people win over their problems. You just have to want it. You just have to fight for it.