Help with PDL

I am from South Dakota...I forgot to put that in, sorry.

Many storefront lenders are members of the CFSA. This is an organization that holds there members to strict guidelines. They have a plan they can use to set up a repayment plan for people who are over there head with these loan. If you got to threr website there is a membership link where there members are listed. You should be able to get other info there as well. I will go find there site and post a link. Hopefully someone else will come along with more help and guidance for you soon.
It is shocking to me that your state allows multiple loans like that. Where I live the storefronts are all linked to a data base and if you have a loan out in one place you can't get a second.

Here are the guidelines set forth for repayment.

CFSA Best Practices and Guidelines for Extended Payment Plans

Subject to applicable state laws, each member shall provide an Extended Payment Plan (???????EPP???????) for customers who are unable to repay a loan. The member shall adopt a plan that offers the customer at least the following provisions:

You [the customer] may opt into an EPP to pay an outstanding loan if you are unable to repay your loan when due. Any outstanding fee will be included in the amount subject to EPP.

You must invoke the EPP by close of business on the last business day before the loan due date by returning to the office where you obtained the loan or by using whatever method you used to obtain the loan. To invoke the EPP, you must sign an amendment to your loan agreement reflecting the new payment schedule.

You may pay the transaction balance in four equal payments coinciding with your periodic pay dates.

We will not begin collection activities while you are under an EPP as long as you meet all obligations under the EPP.

There is no charge for you to enter into an EPP. However, if you default on an EPP, we may charge you an EPP fee and accelerate payment on the balance remaining, as authorized by applicable law.