This forum is an absolutely Godsend. I had always heard horror stories about one PDL leading to another and another, but I thought, not us. We will pay in full the next payday, end of story. Our first payday loan was in August 2014, and the first couple of times we really did PIF and had no trouble. Things began to snowball though, and we now have 5 outstanding PDLs, all online. In fact, I am ashamed to admit that, in desperation, I had all but signed the contract on a 6th a few days ago, but I just couldn't bring myself to do it.