pdl debt help!!!

country...how long have you had your pdls? How much do you still owe?
If you feel comfortable enough to post the names of the pdl's, we can try to help you with this.

Try to talk with your lenders directly and arrange payment plans with them. If they are willing to work with you and offer some extensions, you may not have to go through the consolidation route. But, if they sound hard, inform them about your enrollment with the consolidation company and they will be calling them to make the payment arrangements. Explain your situation to the lenders and propose a payment plan that you can afford. Once the debt is paid off, the good impact will be seen in your credit.

ace cash express 500
cashland 345
american exchange 345
money mart 600
cash advance usa 200

I am about 2 month over due... every couple of weeks I try to make a small payment to each of these.. but they keep calling continuously all day long and threating to take further action!! what can they do?? I can't afford this it's a nightmare... Can I have the # to T&C please

If I had been in your place, I would have used a certified mail to send your payments to the loan companies. It will be good if they accept your payments or else you will have proof of your efforts. If they ignore your payments, you will be able to prove your role and attempts to clear the debts.

Countrylover, I pm'd you some important information

the hard part is they all want a payment every week... thats impossible... i hate this... i feel like i'm going to have a nervous break down... like they are all going to ruin my life...

you must calm down!
you won't get anywhere and be able to make decisions when you're upset.
you will have to get the ball rolling with T&C and they will help you, if that is who you choose to use.
The online pdl's WILL NOT sue or take you or put you in jail!
Ignore the calls until you talk to a counselor!
Are these pdl's all online? Storefront?

all but one are store front....

ok, so you need to call them! Right away! Take a deep breath and do it. Tell them you want to work with them and offer a monthly payment and that's the way it is! You must not let them intimidate you into making a payment you can not afford or will not make, that will only get you into more trouble.
Most will work with you.
I don't know if debt consolidation will accept storefront, and they are probably legal in your state so they have rights and can sue. But they will probably put you in collections first.
Before that happens, you must try to work something out with them.
As for the online pdl, call them too and tell them you will be sending them an amount you can afford each month.
It would help if you can send them something right away.
Get ALL OF THIS in writing too!!!!

One more thing...
Adding up your totals comes to $1990.
See if you can divide that equally between all of them to send them the same amount each month, say if you pay it off in 6 months that's $331/month divide that up evenly between the 5 of them...
That should be acceptable...

i have talk to them all... and i send little bit at a time... cash land says half or all.. no payments... eerrggg... money mart has called me over 20 times in one day... but i take them payments every week but it don't help... ace wants like $100 a week (not possible) so if i give them payment like i have been and just ignore there threats can they still sue even though i'm giving effort??? i just want to run away screaming... these people. i truly am doing the best i can to survive and pay my regular bills and these debts... can they sue me... even though i'm trying and showing effort???

I pm'd you!