Internet's first get-out-of-debt community - 128,000 members

Posted: Sat Oct 28, 2006 9:35 am Subject: How do I get out of PDL?

I am in Ohio and feel everyone elsebut none of mine are over the internet. I never thought I would find anyone out there who could sympathize with me but now I have. I just hope I don't get arrested when I tell them I am off on medical leave and am not going to get any money. What do I do?

Posted: Sat Oct 28, 2006 11:39 am Subject:

You just need to call each of your lenders and tell them about your problems. You are not denying the fact that you owe them money, but due to medical issues, you are unable to pay anything now. I have heard that some storefront lenders are very flexible and they will do adjustments. You just have to let them know about your problems.

Posted: Sat Oct 28, 2006 11:41 am Subject:

You won't go to jail...

Posted: Sat Oct 28, 2006 11:58 am Subject:

If I understand correctly that none of your PDL are over the Internet which is a good thing because store front lenders you can speak to face to face. Just tell them what is going on, they make ask you for proof of your disability but explain to them that you will pay them what you can when you can but make sure that they understand that you have every intention of paying them back. Good luck

Valerie · Posted: Sat Oct 28, 2006 12:48 pm Subject: Reassurance

I wish there was something we could do to get rid of these places. My husband has only one of them and he should be out of it next payday but me, I can't even remember why I got so much in the first place. You can't imagine the relief I feel that finally I found a website that deals with PDL's. I think ppl are too ashamed to admit that they are in them and stuck. I went to my bank and to another financial loan place about a personal loan but got nowhere which is what I expected. Then we thought if I got some credit cards and could get cash advances from those that I could use them to pay off the PDL's but that didn't work out like we planned either. It helped a little but not much. So now I owe credit cards!

Posted: Sat Oct 28, 2006 12:49 pm Subject:

Polly is right, OH doesn't allow for criminal prosecution for defaulting on pdls, they only allow them to file civil suit against you. And chances are that they will if you don't contact them to work out an agrement to payback the pdls.

Valerie · Posted: Sat Oct 28, 2006 12:58 pm Subject: Reply

I plan on calling all of them to let them know what is going on but I don't know when I'll be back to work just yet. I go for an MRI on Wednesday.

Posted: Sat Oct 28, 2006 1:01 pm Subject:

I pray that your MRI investigation gives out positive results. I will say, it takes a few minutes to do the phone call and get a mutual understanding. Maybe, a phone call can avoid the unexpected.

Valerie · Posted: Sat Oct 28, 2006 1:07 pm Subject:

I hope my MRI tells me what is going on. This is the worst my back has ever felt.

Posted: Sat Oct 28, 2006 1:17 pm Subject:

I am very sorry to hear about your circumstances. I went through a similiar situation about 6 or 7 months ago with headaches and stroke symptoms. I had to have alot of tests done but everything turned out ok. That's when my finances really got screwed up. About the storefront lenders, just be up front with them. After I explained my situation to the 1 storefront lender I have they are letting me pay them $20 a week until I get them paid off (I owed $577.50). They should work with you as long as you are willing to pay them back when you are able.

Posted: Sat Oct 28, 2006 1:24 pm Subject:

With as much money as I owe all of them? It will take me years and I owe the IRS too which I'm glad to say I've been making sure to pay them because they will never garnish my wages again. They are going to be so mad. I hope I get back to work soon!

Posted: Sat Oct 28, 2006 1:54 pm Subject:

humanbowler,
I know how you are feeling about these storefront pdls because I'm in the same boat and I'm in Ohio. I have a total of 4 storefronts and 2 of them are letting me do payment arrangements. The other 2 told me to go and borrow from another storefront so I could pay them. Well, that's defeating the whole purpose because I'm trying to get out of this mess Sad

If possible, talk to them in person instead of over the phone and they might be willing to set you up on a payment arrangement. I just feel that if you talk with these places in person, you might get better results than over the phone Smile

Posted: Sun Oct 29, 2006 7:14 am Subject:

You will need to make payment arrangments with the store front lenders in Ohio or they can take you to court. I would explain your situation and let them know what you can afford to pay them right now. I don't know which companies you are dealing with but I've heard most store front lenders are willing to work with you. Good luck Smile

Posted: Mon Oct 30, 2006 8:19 am Subject:

Well I just called one of the PDL's and she said she would have to send the check through anyway. I told her OK but there was nothing in the bank. So now I'm going to have NSF fees up the wazoo. I'm trying to refinance my auto loan today too. I'm 2 months behind on it. How does anyone not feel hopeless with these kind of problems? It's no wonder ppl end their lives. I just read a story about a woman who was going to jump off a bridge because she has to sell her house and now she and her kids have nowhere to go. Luckily (or maybe not) some ppl saw her and stopped her. The police arrested her to keep her from doing anything else and keep her safe. Now I have to finish calling everyone else. All I want to do is lay in bed and do nothing. Watch movies where they have happy endings which I know never happens IRL. Why don't they make movies more real? Endings that are more true to life.

Posted: Mon Oct 30, 2006 10:31 am Subject: payday loans

humanbowler, Things will get better. Many of us on this forum started out in the same situation as you. You will not go to jail and most of the storefront people will try and work something out. Just like Mishele said they can take you to court so try and work out something. I absolutely get sick at my stomach when I think where I was at a year ago. I am PDL free and I am so thankful. We are here for you. Good Luck KYSIDE38

Posted: Tue Oct 31, 2006 4:44 am Subject:

Well one good thing happened yesterday to help me out. I got my vehicle refinanced so that I don't have to make a payment for awhile and it's lower too. I can't wait till I can say I'm out of the cash advances and I will never, and I mean this, ever go back to them. It's sick and sad how much money I've wasted on them. I feel like making business cards about this website and handing them out to ppl. I will tell everyone at work about it just in case they ever need advice or anything. I'm feeling alittle better today but when I woke up about 2 AM I was REALLY dizzy. I still am but not like I was. I don't think I could have walked. I had to go to the bathroom at the time but I waited because I didn't want to fall with my back problems and all. I'll let you guys know how today's progressing later.

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