I am so upset that I am shaking. I got into PDL hell and am trying to get out of it. My wonderful bf loaned me $$ to pay them off....that's the tricky part. I have a loan with VIP Loan Shop and Splash Cash, which claims Sovereign Immunity. I was going to use a PDL settlement company but then he gave me the $$ to pay them off. I closed my checking account and the PDL settlement company sent ACH revocation letters and a limited power of attorney to the providers. I advised the settlement company that I would not be using them and that I would try to settle on my own...big mistake.