i'm not sure what to think yet. i dont want to jump to conclusions but i'm hoping my cease and desist letters have done some good. i owe 4 pdl pmts today. i defaulted two weeks ago and figured they would be blowing my phone up today but not 1 call. they are probably just messing with me. come monday i'm sure they will be on it. the only one that would work out an affordable epp was paydayone. the other 3 cashnetusa, can, and paychecktoday wanted outrageous epp that i cannot afford all at the same time so i signed up with progressive debt managment to handle those 3. just 12 easy payments.