Internet's first get-out-of-debt community - 135,000 members

Posted: Mon Jun 16, 2008 11:03 am Subject:

Here is typically what you would do wither you hire PDL Assistance or do it on your own.

First you would want to go into you bank and speak with the Branch Manager and have them put a ACH block " also known as a Hard Hold " so these Pay day loan places can`t get any more money from youer account.Eventually you would want to close that account , but the hard hold will stop the pdl places till you can close the account.Connie if you are considering doing this on your own , before doing this please let us know what state you live in. Also are these Interent Pay day loans or Local?
These accounts will have to be delinquent typically for the PDL places to negotiate.

PDL Assistance or any other pdl settlement company will work with you to establish a savings program that will be used to pay off your debts over a period of usually 6 to 12 months. You will have one monthly payment and the amount you will pay back is typically between 30% and 60% of the amount owed when you joined the program. These companies have bills to pay just like you so yes they charge some fees up front and it could take 60-90 days sometimes for your first settlement. You will save more money doing this on your own.But if you don`t want to deal with the hassle of settling on your own you may want to hire a company like PDL Assistance to help you but expect it to take a little longer to rid your self of the debt because you will pay some fees to these companies who do all the dirty work for you.

Either option is good depending on what you want to do. Very Happy

Posted: Thu Jun 19, 2008 10:10 am Subject: PDL Assistance

I had originally signed up with them, but cancelled because I was doing so well on my own. I also discovered that of my 8 month program, for the first 4 months almost all of me $265 fee was going to pay their fee's, about $10 was going toward my loans. The last 4 months, most of my deposir was going toward the loans, but they weren't going to settle until I had built up enough, which would have been by month 6 or October...I have 1 PDL left to settle and will be done, all in the last 2 months.

Posted: Thu Jun 19, 2008 10:52 am Subject:

Congrats dawnlango7 . That is great news. Very Happy

MRM · Posted: Fri Sep 26, 2008 8:27 pm Subject: PDL confusion

I have also considered hiring PDL, however I am more interested in handling myself. I live in Tennessee and I have 4 payday loans.
Advance Financial $230
Check into Cash $230
Advance America $330
Cash City $230
When speaking with the CS at PDL she advised to contact my bank and tell them that I had lost or check were stolen and that would prevent them (4 Check cashing places) from cashing my check. Pay them the $200.00 enrollment fee and my monthly bill would be $158 a month for 8 months. I considered that, however, could that create legal problems due to the fact that I wrote check to them and then reported check being lost or stolen? I dont want to get into legal issues due to worthless checks. Can someone please explain.

mrm · Posted: Fri Sep 26, 2008 8:38 pm Subject: confirmation

If there would be no legal actions, would this be something that I could do myself? I would think because if checks are stopped and I pay a portion per month to each payday loan I could pretty much settle this myself. Right. Hell harrassing calls I can handle. I don't want to pay someone just to handle phone calls. If someone could assist it would be greatly appreciated.

TinaM · Posted: Tue Oct 14, 2008 8:30 pm Subject: STAY AWAY FROM PDL ASSOCIATES

I work for a pdl company... As a manager, PDL associates DOES NOT work with me on this debt. They refuse to tell me ANYTHING. All I ask for is $25.00 every two weeks, no extra fees. Deal with the store manager directly, you will have better results. Plus, you won't ruin your credit with the pdl place (in the event you EVER need to reborrow), but if you use PDL ASSOCIATES YOU WILL NEVER BE ALLOWED TO REBORROW AGAIN.

Posted: Tue Oct 14, 2008 9:41 pm Subject: PS... I'm TinaM

I forgot to login here is my profile...

Posted: Wed Oct 15, 2008 6:59 am Subject:

Gee a pay day loan company bashing a settlement company . What a surprise. Dealing with the pay day loan store manager typically will get you no results. Their solution is typically either " sorry can`t help you , should not have gotten the loan if you can`t afford to repay it " or " hey just renew the loan ". The debt settlement process does work . Pay Day Loan places hate it when people take control of their finances and either settle on their own or hire a company like Langhorne debt solutions or PDL Assistance.

Posted: Wed Oct 15, 2008 8:42 am Subject:

Hi Azprincess21,
I'm pretty sure you can handle this on your own...you are correct, you will be paying the co their fee's upfront to handle the phone calls and from what I was told, they really don't do that either, they tell you to have the pdl's call them, but they will not call the pdl's directly, so you will still get the harassing calls anyway.

Has anyone asked you to list the company, how much you borrowd and how much you have paid so far? I am thinking you live in AZ, if that's the case I can find & post the laws for you...

Posted: Wed Oct 15, 2008 7:35 pm Subject: hey now i deal with PDL

i am a store manager. i will do 25.00 every two weeks on a payday loan. i wont call and harrass you. you set up that arrangement, i will never call you. i have customers paying me that and i never even had to call them since their reminder call! i even do settlement payments! 50%, 75% and just pay the principal settlements. i work for advance america. im not bashing pdl, but let me tell you when i DO call pdl to find out anything on the customer that did pdl because its been MONTHS since the customer notified me of pdl they say to me, "Sorry this customer is under a privacy policy and I cannot tell you anything. Have a great day." and hang up. how does pdl help me? they are awful to deal with. they make my job a thousand times harder. how do i even know if the customer is even paying them anymore? how do i even know if the customer is really using them? i dont. and i may never know. i am possibly the EASIEST person to pay on the planet. i have one customer paying me ten dollars a week and ive never even had to do ONE collection call on her. ever. and guess what? she's not paying me an extra 200 dollars upfront.

i dont get why you and others think we are so bad, but as long as ive been with advance america, i have loved it. our motto is "because we're here for you" and we stick through to that no matter what. and my other customer ask me on how to deal with the other companies. and i help them deal with them for free.

ive also been in your guys shoes where i had more than several loans out and didnt know what to do. you know what? i called the store fronts and set myself up on EPPs. those were all CFSA certified. the one that wasn't, the manager still worked out a payment arrangement with me because i explained my situation.

im not bashing pdl at all. but i think there is a better and easier and cheaper way if you guys just call the store manager. if they refuse to make a payment arrangement, then tell them you can assume the debt is paid in full since they refuse payments. thats fully legal to do too, you know.

Greggie · Posted: Tue Oct 28, 2008 5:40 pm Subject: PDL Assistance is a scam

DO NOT USE PDL ASSISTANCE!! I sent them my 200 dollars and they have done nothing, absolutely nothing to help me. When I send them emails, they never reply back. Please do not hurt yourself even more by paying these bozos even more money. THEY ARE A SCAM. PLEASE BELIEVE ME!

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