So I have 5 outstanding PDLs. One is currently in re-payment, the other 4 call me every single day, multiple times a day at work and at home.
I closed my bank account in March due to these loans, My bank account never re-opened or anything, and payments to these companies stopped.
Who knows what I really owe with the interest piling up:
I owe 500fastcash $480
I owe cashfirstonline.com $390
I owe cashdirectexpress.com $506
I have 8 payments of $50 left to go with paydaytogo.com
and I owe ezpaydaycash.com $65, who I will pay once I am done paying paydaytogo.
The only reason I am repayment now with paydaytogo is because my job informed me that they requested to garnish my wages for $600 dollars. My loan was initially 300 bucks, I didn't want to lost so much money out of my paycheck so I made a deal with them for $50 every 2 weeks until the $600 was paid in full.
How to I go about dealing with this since I am in New York. The fact that they call my office is very stressful. When I answer the phone its like a 50/50 chance that its one of them, and so I just hang up.
I wanted to try to consolidate the loans but the PDLs say that under no cercumstances will they accept a payment made on my behalf by greenpath (the dmp I wanted to work with). I live paycheck to paycheck, am a student and have a dependent. I have no idea what to do. Any advice would be great.