Don't want to default

I'm not so sure that PDL Assistance is the answer, it would depend upon the names of the pdl's, whether they are Internet or store front, the amount you borrowed and amt you pd back. It also depends on the state you are in. If you'll provide that information I can give you more answers. Thanks! Oh and, welcome. :)

All store front
original loan amounts
Moneytree 500
Quik Cash 620
Ace Cash Express 590- 300
Advance America 700
Ready Money 420


I don't know how much I have paid in fees because I pay off and then re-loan every two weeks but I know for sure I have paid in intrest

Money tree 900+ in intrest payments
Quik Cash 1800+ in intrest payments
Ace Cash 360 in intrest, 200 in payments
Advance A. 570 in intrest payments
Ready money 150 in intrest payments

I live in washington state. I have never defaulted on any of them.

Click the link below to read your payday lender l aws.
http://www.paydayloaninfo.org/state_detail.cfm?id=WA
I am only finding a couple of yours listed as a member of the CFSA (link below), do you know if they're all members? Could be they recently joined and aren't listed yet.
http://www.cfsa.net/MemberList.aspx
Are you aware of the EPP? Click the link below to read about the EPP, number 11.
http://www.cfsa.net/industry_best_practices.html
I realize it would be difficult to juggle all 5 (five) EPP's, but you are somehow juggling all 5 (five) by reloaning each time they're due. Perhaps you could begin with 1 or 2 with an EPP (Extended Payment Plan), pay those off and continue to juggle the other three the same way you are now, then work your way down the list. The only other way I can think of is to go to a credit union or bank and apply for a personal loan to pay them all off. Since your lenders are all legal, PDL Assistance may be the way for you to go. Just make sure you read ALL the fine print and ask a lot of questions. You might also want to research PDL Assistance on this site before you make a commitment. Just type in PDL Assistance into the search box located in the upper right hand corner of this forum, read what other members have said about them, that should help you in making a decision.

What does it mean if they are not a member or CFSA?

Well, what it means if they ARE a member is they are required to follow the industries best practices, and one of the practices is to offer an EPP (Extended Payment Plan) if you request it. You must request it BEFORE you default and at least one day prior to when the next payment is due. How it works is; you'll sign another contract that says you will pay off the loans in 4 equal payments on each payday, the interest stops accruing at that point. Look around the CFSA site and read some of the best practices. FYI, usually payday lenders will have a sign posted in their store which states they are members of the CFSA (Community Financial Services Association of America), so look around the stores the next time you go in. There have been some instances where stores don't seem to realize they are obligated to give you an EPP when you request it, so, print out the best practices and highlight the EPP, take it into the stores with you just in case they are oblivious. If they won't honor it, then tell them you are going to file a complaint with the CFSA and let them know that one of their members are NOT following the industries best practices and they are at risk of having their membership revoked by not doing so. Stand up for yourself because no one else is going to. :)