Need Help & Guidance

Did you not clear up your PDL's over the year
Please list your state
your lenders
amounts borrowed and amounts paid

I would prefer to talk to someone who is a registered member of this community.

Only $2,000 in credit card debt???

The best way to deal with that is take the biggest balance and pay as much as you can every month while paying the bare minimum on the smaller amounts. If you are unable to do that, most likely your credit is messed up anyway and you have been late on payments,not a big deal.

You can also work one card at a time and try to pay each one off even if it means being late and not making a payment on a few. You can also call the original creditor and ask to settle for less than what is owed, closing out the account when the payment is made.


As for payday loans, I know nothing of them except that they are crooks.

Well, excuse me for trying to help.I have been on this site for 2 years. Had 12 pdl's cleared them all up in less than 6 months and have helped countless people. You do not have to be registered to offer and receive help. It is called an open forum.

Unrigistered Guest, I meant no offense by that. Sorry that you took it that way. I appreciate anyone's help, but I also know that these so called collectors get on here too trying to find stuff out.

I will have to go back in to my archives and see who and how much I borrowed and owe.

Reason I asked you about clearing up your pdl's from before is that I remembered helping you.

I haven't gotten to far with clearing them up. I feel like I am TRAPPED!!!!! The phone calls are really starting to get crazy.

There was a place that called me by the name of William G. Sokol Law Office. Has anyone heard of them. I can't find anything about them on the internet. They don't have a website, that I can see.

irishpat77 - Thank you for your info on paying the credit cards. I am already extremely delinquent, so I think paying on one until it's paid, then paying the next, wont do anymore harm. I hate having this on my shoulders.

I know how overwhelming debt can be. To the poster who did it all in 6 months, that's great, but it took me,and alot of others longer to clear everything up. It took me a long time to get that deep in debt, and took quite a while to get out, but it was worth it.

You do need to find out who you owe,the pdl names, amount borrowed,internet, storefront,state,etc, as was mentioned. This will start you out on getting info on them and what to do with them.

As far as the cc goes,you said you were way deliquent, how long? Are the accounts with collection agencies too? If so, make sure that who holds them has the authority to collect on them.

I did without, second jobs, etc to get a little extra money. I then took that extra,chose the lowest balance card and paid a payment with the extra I saved. When that was paid off, I took the next lowest balance one and added the payment I was paying on the first one to it until it was paid, and so on. If they are still with the original creditor, sometimes you can get on a hardship program where they will drop any interest and fees from that point on,until you get it caught up or paid off. Problem is, if you miss a payment they take you off.

The reason I do the lowest balances first is because I need to see some progress or I get discouraged, so paying off a little one here and there, helped.

Good Luck, you can post in the PDL forum about your pay day loans when you get them figured out and someone will help..karen

Thank you so much for the tips. I am going to try and do that with my credit cards. I just sent one collection agency and validation letter, so we will see what happens with that one.