I haven't posted here in a while, but let me give you guys an update. I was way sunk into the pdl's, and have since closed my checking account, opened another before my other was closed and stop communicating at all with the illegal pdls. I still get emails from time to time, the ones that say..."hurry, act quickly, before we take the next action". The phone calls have stopped. The calls at work have stopped, which is a good thing.
My only problem is actually getting out. I've now graduated to legal payday loans online, like cashcentral and payday one.