I think I am going to go with Oak View Law to help me with my situation. I talked with them yesterday and it's a little expensive, but it's worth it. The price I would have to pay to pay off all my pdl's and and the price I have to pay them is much better. They are willing to accept what I can afford. Check out their website if anyone is interested in learning about them. They are members of the BBB, Dunn & Bradstreet and the International Association of Professional Debt Arbitrators.