I live in TN and have one IPDL with paydayone (located in TX) with a balance of 750.00 with an apr of almost 400%. So far I have repaid (including interest and fees) 978.83. I know compared to the amount of some of the other loans I have seen on this board, it seems small, but they are taking almost 40% of my husband's take-home pay every pay period, and right now I am having to decide between paying my rent, buying food for my family, or paying the electric bill this week.
What is my first step to getting on some kind of payment plan? We are desperate, but my husband is scared to death that they might call his work, and he works in an office w/upper management (he is not a manager), and embarass him, and maybe even be detrimental to his career.
Should I contact the IPDL customer service first to see if I can set up a payment plan, or would I have to be behind on payments first?
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