PDL and bankruptcy

yes you can file bankruptcy.what state are you in?there is nothing that can prevent you from filing bankruptcy.in fact since they are internet chances are they are illegal and the contract means nothing.file away.

i included payday loans in my bankruptcy (stupid me, they were not even legal!) but it said that in my contract and it worked out. the hardest part for me in doing that was finding the physical address for them.

Awesome! So; as a follow-up, the next time I speek with them concerning payment arrangements should I tell them that I'm going to pursue bankruptcy? If so; what could they do at that point?

Oh, I forgot. I am in Missouri and yes there are several which I see from other post on the board that are illegal.

Until you provide them with the name and number of your Atty for verification of filing, they will still collect on the account. In some cases, the illegal PDL's will even continue and ignore the BK!!

pdlowner is right, i had a company tried to collect on me hard core, screaming at me, telling me to grow up and pay my bills. my attorney wanted to sue them but i was so worn out at the time (i was having bad medical problems, a large reason for my bankruptcy) that i just let it go, which i kind of regret now :(

I just got back from the bank for the 2nd. time today. Finally I got some action! The allowed me to close my checking account even though it was overdrawn $900 plus! They did let me set up a payment plan to pay the overdraft charges and once paid will let me open a new account! I told them all the horror stories I've seen on here and they assured me that no way will anyone be able to access the new account. All in all the day seems to be going pretty decent! Praise the Lord! I even sent emails to all the PDL's and told them that the account will be closed within the next 24-48 hours; however it is already underway of being closed as I type! I also; told the PDL's that I would send them money orders for payment on a monthly basis provided they sent me a mailing address. Guess what I have already received that from one of them! It's not over but it's looking a little better! Thanks everyone on this board. I couldn't have gotten this far with out you!!

Oh that is great news! You are well on your way! :D

Keep us posted.