which debt settlement companies are better?

Hi, welcome to the forums!

Yes, this site is indeed a great community to many people. Stick around, if you have any other questions, I'm sure one of us can help.

-What was your reasoning behind considering consolidation?
-Have you recently pulled your credit report?
-Did you get the flex-pay offer in writing?

Sounds to me that the payday lenders are willing to give you a break, and perhaps you wouldn't need to go through debt consolidation, and have to end up paying fees.

On the other hand, if you have a larger debt, then maybe a program like debt consolidation would work for you, as the program allows you to pay overtime interest free.

I'd also watch your account very closely, as sometimes payday lenders forget what they tell the customers and end up double dipping into their account.

I'm in a PDL mess too and interested in how you negotiated the offer with the companies. Which companies are you dealing with? How many loans do you have out?

Thanks for sharing your experience.
~b