Has cashnetusa ever attempted legal action?

As long as you are making some attempt to pay off the loan, you should be fine as far as them taking legal action. It would take them months to get to that point, if ever.

CashNet referred me to a CA, the only PDL that did that, and I settled through that and ultimately got it off my report

I setup payments with my debt management progrom for cashnet and they don't bother me. I think as long as you stick to a payment arrangement they will work with you.

I did the same as PinkLady, since putting them with my dmp, I've not heard from them and I check my account on-line and they are posting the payments they are getting to my account.

cashnetusa actually was pretty easy to work with. i am not sure if it was because i am in ohio. they allowed me to break my payment into 3. although after setting up a payment plan, they called me for three days. on the third day i got so tired of telling them the same thing, i was pretty rude to them. they finally got the hint. :)

When talking to the rep, try to not make an impression that you want to weasel out of paying what you actually owe, and you will be just fine. Once you set up a payment plan or some other arrangement, you won't be bothered by their collectors -- as long as you actually stick to the plan, of course.