Ok, first of all I am not 'delinquent' at all with my pdl. I have a PDL through SJM. My original loan wasn't with them, atleast thats not who they said they were but thats what it was deposited as and debited as.
(I have posted before on this same subject, sorry, but the matter is sort of pressing at the moment)
I took out a $200 PDL (apparently with SJM) May 2006. I have been paying $60.00 every 2 weeks since. Yes thats a solid 14 months. Now I found a website that shows the TN state laws regarding PDL's in TN, but I am confused and want to know if I am understanding them.