Reall Hard!

I'm so sorry to hear that...I know you were battling several pdls too. I think it would have been better to just keep the money for the rent because you do need shelter...but then again you need to get to work too! :( Well, someone will come along with helpful advice for you soon!

Tell her? the landlord?? If so, be honest with her bf! Tell her about how the pdl's were a thorn in ur side and ur working on that. Most times when u explain to people they understand and are willing to work with u!
Take a deep breath, try to relax (i know easier said than done) but it will work out!
Good Luck,
Ang

I left her a message (the landlord) and told her that I needed her to call me about the rent. We only need a little over a week, never been late before, hopefully she will understand. We'll see.

Ang is right, just be honest with her. Tell her that you are getting things under control. You just need a little bit of time.

You never know, she may totally understand and let you slide a bit. You don't know until you ask.

Have you gotten any free counseling from this site yet? Some people have had success with Langhorne. They deal with PDLs but, they are a settlement company and not a consolidation company so it will affect your credit for a while. This may sound stupid but if you have any old or broken gold jewelry lying around that has no sentiment attached? it is trading at close to 700.00 per ounce right now and some places will pay up to 85%. It helped us out greatly when we paid the rent and there was nothing left.Any other ides?

Good bf! Tell her the truth.... it usually works! we used to own rent houses and it's MUCH better to hear from ur tenant than them avoiding u!!
Good Luck,
Ang

Hopefully, she will understand and we have not been lage before at all, so, it's just a week and a half.

I think she will, speaking as a former landlord!!
It will all work out bf! Always does!
Ang

If you haven't been late before, I would hope she'd give you this break. It's not like your asking to live free for the month, just a little more time to get the money together.

Let us know what she says . . . If not maybe we can figure out something else real fast . . . .

Yeah, other than PDL's, HAHAHA!

Oh there is a way to work out pdl's bf! stick around, ull learn a LOT here!
Good Luck,
ANg

I am battling that as well, that's why we are soooo behind right now. I have cleared 4 of them in the last week but still have 5 that aren't budging AT ALL, Even though I have overpaid two of them . They aren't even responding to me.

Hang tight and give it some time! Especially if u've over paid them! Ask for advice and u will get lots here!
Good Luck,
ANg

I am trying to be a little more calm. AHHHHHHHHHHHHHHH, that helped!

It will all work out . . . .

bflow, you've never been late before. I'm an extremely paranoid person, so I know exactly what you're going through. You only need a couple of weeks. You're not asking for 30 days or more. You're not asking for anything unacceptable. If you feel more comfortable NOT telling her about the pdl's (which I personally would not feel comfortable telling my landlord), then tell her unexpected expenses came up this week and could you please pay the rent in two weeks. Tell her medical expenses, tell her family problems, tell her whatever you like. But you've never been late before. You're only asking for 2 weeks. And, actually frogpatch is right. I've pawned stuff when it was really bad. Scrap gold sells fairly well. But this is just to get money in your pocket unless you have great jewelry, but then you wouldn't be in this mess! LOL! Honestly, you've already done the hard part. You called her and asked her to call you. "Unexpected expenses", "medical expenses", "family emergency", you can use all them. It's personal information, so I doubt she would even ask. As, I'll say it again, it's only for 2 weeks. You're not being a horrible non-paying renter! I had to pay my rent 2 weeks late once. I was a wreck. My landlord was like "whatever". It was so totally NOT a big deal! I just paid him on my next payday and thanked him over and over again! I think I just actually told him I didn't get my paycheck - work messed it up - and it would be two weeks. That's the excuse that I used! LOL!

Thanks Cannr. You are a life saver. YOU ALL ARE!
The support I get here surpasses anything I've ever experienced. I never had anyone to talk to about this mess before this. My husband didn't even know what kind of situation we were really in. He doesnt' handle the bills. All he knew was that we didn't have as much as we should when it was all said and done. Well, duh, that would be the 680 bi-weekly going to the PDL's. Its getting better, at least he is taking part in trying to fix it all.

bflow....I had that rent problem for the previous 3 months...I just paid July's rent on time...I called and explained everything to her including the fact that the pdls were illegal and I was fighting for my rights...she let me pay the first month I was down late and I was 2 weeks late and didn't pay the late fee. Then the nxt 2 months I split my rent in half each pay check...she let me slide on late fees...I'm sure you can work some thing out...I am depressed right now too with things not working like I thought they would but I keep reading on here and it's beginning to make me feel a little stronger!! Good Luck...

bflow....I think your landlord will be understanding...just do what cannr said and cite an unexpected expense. Just be up front with the fact that you are going to be late. Honesty goes a long way. Morningstarr, please don't be depressed. Everything is going to be ok. There are brighter days ahead for all of us :) If we keep a positive outlook, good things will happen.

Bflow I actually think you have a couple of weeks anyways. My rent is due on the first. I have until the 15th to pay it without a late charge. Do what you have to do. I hope things get better for you and Morningstar. KYSIDE38

It will. I left the house for a while today (just walked and walked), I've been home from work this week with the tooth pulling issue, and boy it fealt good to just get out. I didn't even think about this mess while I was out. I know she can't evict me or anything, just don't want her hassling us for the next two weeks. I'm waiting for her to call me, I left a message for her, that's all I can do, it was detailed so maybe she got it andisn't going to call me.

I am glad you got out for a walk and some relaxation. It helps to do that and clear your mind sometimes. I don't think that she is going to hassle you. You were proactive and called her first. Maybe since the message was detailed, she got all the information she needed. :) Relax and have a good weekend. Brighter days are ahead!

Sassnlucy,
thanks to you guys I can relax. Before I found this site it was even worse. I was actually thinking about this day and night. At work, I had to find something to get my job done before I mess that up. And trust me, I'm in the most rural area around my town, not much to find a job at. Especially a good job like mine. I actually got into the field I wanted to be in, finally!!!

Congrats on your job! Before I found this site, I was having a hard time concentrating on my work as well because I was so busy stressing about how I was going to pay all these payday loans. This site saved my butt in so many ways. I am so glad you are able to relax now too!

I know. I want to get back to enjoying my job. I was only here 2 months and got a promotion and that is about when all this started (from being out of work so long). So, my promotion was more work and along came the stress, so, I'm hoping I will be able to relax and concentrate on my job.

bflow & morningstarr - It consumes me, too. Always on my mind. I've FORCED myself to not think about it at work. We need our jobs! I have to FORCE myself to get out and do something instead of sitting in here working on all this crap that isn't worth the damn time. FORCE yourselves to realize (and it's hard I know) that this is NOT the most important thing in your lives. Your family, your friends (which is us, LOL!), your life is what is most important. It would really suck to be struck by a bus and the last thing on your mind was "Gee, how can I get MTE off my ass." Screw them. Work on it a little at a time. I just get really pissed and start going at them with full force sometimes and then some days I'm like - okay, I'll work on ONE today. Keep working on them, but enjoy your life. Don't let them consume it, which is what they're doing. They are sooo not worth it. As long as your bank accounts are under control and you have money to pay your bills and live until next payday, it's cool. What's the worst that's going to happen? They turn you over to collections? Well, my response to that is "stand in line with the rest of them." LOL!

Definitely Cannr...I think that is the best attitude. I have had all this stuff on my desk here at home for weeks now. Tonight I cleaned out a drawer and stuck it all in there. It can wiat now till Monday...time to enjoy my weekend. Having a bbq for my baby daughters birthday tomorrow!!! I need to cook and make an ice cream cake!!!

Damn straight, morningstarr! I'm laughing! I had all my stuff out and last night I put it all in a stack on the floor and thought "to hell with it for now". You enjoy your weekend! Like I said, family is more important than these evil satan loving pdl's!

ABSOLUTELY! My husband and I got out together today and actually talked for a while. I have been on the computer for so much time this last week and a half that it is stressing all of us out. I am going to work on it in the evenings before he gets home and that's it. MMMMMM, ICE CREAM CAKE!! GOOD LUCK!

Happy Birthday to the little one! Now you got me - ice cream cake - I am going to have to make brownies! But the whole idea of this forum is to let people know that they are not alone and that you have to take a breather and get on with the things that are really important in your life. I know- before I came here my life was so consumed with pdls that i was making myself physically ill. When I found this place - I found that I was not alone and that I could help myself with the help of the others who had been where I was once. But if you don't let go things always look bad, you need to take a step back and then you will be able to see things through fresh eyes.

You are so right. Things look different every time I sit down to go over this stuff. But, having support helps a lot. I didn't have that before and it feels great to know that I can PM someone here and get support and help with questions. THANKS SO MUCH EVERYONE! Today is probably the first time my husband and I have left the house together that wasn't for work or etc., and actually held hands and kissed ( I don't think I've had a kiss all week except this one)! LOL

Kissing is good! So is laughing! Both help heal the body and the soul and you don't have to THINK!

bflow, Keep on going in the direction you are going! Don't let this pdl crap take over your marriage, your job, your family, your enjoyment. You hold hands, you kiss, you take walks, you have a birthday party. And you know we are always here for you. Good day or bad day. Just come here. It's always an inspiration for me when I do.

It's getting better. I enjoyed my life before this and I WILL AGAIN in time. I know that this will end just like everything else. Today has definitely been a good day!!!!!!! Bad days have been abundant lately, so GOOD ONES ARE CHERISHED!!!

And we can always use more good days, can't we? That's great that things are starting to turn a corner for you.

Today was a good day! The landlord called and was soooo understanding. Thank goodness. I worry to death about that being late, don't know why, as it is EVERYTHING has been late for like 5 months now. Well, that's life, at least it gets paid. Right? I went back to work (was off three days at the end of last week) and was so loaded with stuff to do on my desk LOL, that I was too busy to think about anything. I even took a break from the PDL's today, until now.

Good for you, bflow. Forget about them while you can. You know they'll still be waiting for you when you get time. THEY'RE BAAACK!!!!!! They won't go away! So you can take a break and ta-da! They're still there! LOL!

I absolutely love the fact that I can come here and talk with you guys!! I too thought I was the only one on earth with all these pdls...I nearly fell off my chair when I started reading. This all has so changed my life in the last 2 months!!! My "little ones" birthday was her 23rd!! Sorry I still think of her as my baby...LOL. I have been a single parent for going on 19 years...and have had finance issues before but nothing like this. I have learned so much...I copy important stuff and mail it to my kids so they use it as a warning to never get involved in this stuff!!! I also have learned to walk away from this, knowing tomorrow is another day and I can always pick it up again...that's what gives me the energy to continue our fight!!!

I agree morning with a few of ur points! I, also, thought i was the ONLY person with debt problems! I felt so ashame and embarassed... this site was heaven sent to me! It let me become myself again! I remember before finding u guys, i couldn't eat, sleep, i was a MESS!! Now i'm just a mess cuz that's me! ha ha
oh and also, my baby girl is 19! so i know exactly what u mean when u call her ur baby!! I have a BIG baby too!
Thanks to the site for all u do to help people!
Ang

Many thanks to all of you. Just reading the posts gives me so much. I laugh, I sympathize, and I get fired up! It helps me to keep fighting this mess. I am so glad I stumbled my way onto this site. Good luck to all of you. Have a Happy 4th.

I am a little late in reading this, but am glad that things worked out with your landlord and am glad to hear that you are feeling a little better. All we can do in life it take things one day and one step at a time. We always seem to want to do everything at one time and sometimes forget the important stuff, like family and friends, etc (and I am as guilty as anyone). I have this bad habit of not only trying to deal with my own stuff, but I am one of those types of people that trys to take the weight of the world on her shoulders. I am slowly learning that I can't, but old habits die hard.

Like most have said above, I also felt like I was the only one with payday loan problems. I felt so much better knowing I was not alone and that I had found someplace that could help me out of my situation. I had been stuggling alone with this, as most of us have, it was nice to find someplace that I could talk about this and not be ashamed.

Hang in there BF....it is all going to work out for you.

I'm hangin....
I too felt much better after finding you guys on here. I wasn't sleeping, etc either. The same night I found this site I slept like a baby.

I am glad to hear it! I hope you are still sleeping like a baby! :D

bflow, my buddy, you now know we are not alone. You know that I am always here. The other wonderful people are always here. No matter what time it is. I can get on here in the middle of the night, first thing in the morning, in the middle of the day and -BAM- I have support, advice, and answers. When I'm having my heart attack, stroke, anxiety attack, whatever after receiving the nasty responses I get, I can come here and get relief and reassurance. You know you can, too. Do you know how many times I've been in a panic frenzy on the verge of a nervous breakdown and gotten on here before responding to a pdl? A hundred! LOL! It's like I'm consulting my lawyer before answering to the judge! LOL!

Thanks everybody. I appreciate all the information I get from each of you. The support is amazing. I couldn't get better support if each and every one of you were in my living room, LOL, you wouldn't fit though! OK, well, maybe IF YOU WERE in my living room it would be a little better, but, THIS WORKS FOR ME!

Cannr, you are going to cause yourself a heart attack, shoot, sometimes your posts cause me a heart attack, until I realize, HEY, get a backbone and stand up for yourself. I ask myself, what would cannr do? Mostly the answer is EMAIL THEM TO DEATH! For some reason, even when I know I'm good at something, or what I'm doing is right, I tend to second guess myself. THat is when I come to this site most often. Because I need ALL OF YOU TO MAKE ME DO WHAT I SHOULD DO!

Exactly right! Sometimes their responses just smack you right in the face and you can't think clearly! We need to just band together (which we already have) and realize that there are thousands of us in the same boat. That makes me feel better. And I'm glad my advice is helping people. Not to say I'm an expert at anything, but I'm more than willing to put down my experiences so that the next person knows what to expect. And I'm more than willing to share what's going on with my pdl's because there are others with the same pdl's, so they'll know what's going on. And I'm more than willing to share any way a refund can be gotten! Then again, I do tend to freak every now and then! LOL!

WEll, I'm no stranger to freaking out every now and then. Shoot, I think my head would explode multiple times if it were actually possible over stress sometimes. Especially since I got into this mess with PDL's and it just got out of hand.
REFUND, what the hell is that?

Well, the word "refund" is not in the pdl dictionary! I'll tell you that! But it sure is in the BBB dictionary! LOL!

I agree. I am going to get acquainted with the BBB dictionary, as well as the AG, FTC and IC3!!! Thanks again for the info. YOu are a wealth of strength, and, yes, knowledge!