I had 3 PDLs from online lenders while living in Ohio, now I'm in GA. To break the cycle, I closed my checking account and switched banks, mainly when I moved. Two of the PDLs have gone to collections. I've only ever received phone calls from those two collectors, have never received anything in writing. They, of course, were threatening (I committed bank fraud, yada yada yada) when they called; one I sent a debt validation letter to, have heard nothing from them since. The other I only received one call and was told to "consider myself served".