Hi everyone, So I'm relatively new to the PDL endless cycle and I wanted to know my options on getting out it. I took a $1400 PDL in TX to get a car for work. It was an urgent time for me and I didn't consider a lot of other options. Anyway, I’ve been paying it off following the schedule bi weekly payments and right around the 8th or 9th payment, I lost my job so I could not afford it. I refinanced twice and went to the storefront telling them about my situation and they just keep refinancing and now I'm back to the balance I started with after 4 solid months of payments.

How do you know if the pdl is legal?

What documents do I need to have for filing income tax returns?

I feel like such a failure. I took out one hiil(high interest installment loan), which led to another and another. These are worse than payday loans as they do not offer extended payment plans. I’m sick with worry and ashamed of myself. I signed up with a debt settlement company and they took 4 months of my money and disappeared. Now I’m behind and one is already in collections. What can I do? I live in Kansas and earn good money. This is getting so out of control and now my credit has been affected. Please, can anyone offer any advice?

What is the difference between 401(k) and IRA?

Three Loans I need to get out of or payments reduced. Bright Lending American Web Loan Spot Loan I live in Maine I don't believe they are legal lenders.

How long can a medical debt be there in my credit report? Is there any chance to remove it?

I have 3 PDL\'s in Maryland. I have sent the letter to all three lenders. Emerald Marketing, Everest Cash Advance, and CashWebUSA (which I found out is in Costa Rica). CWU sent me a letter saying I agreed to abide to Costa Rica laws. So far they are the only ones to respond. I have paid more than principle on all three. Everest - $90/pay - $300/l

From the perspective of credit report and score, which is better settlement or bankruptcy?

After getting discharge from my debts, can I still owe something on my debt? Can a creditor call me for such a debt?