kt_scarlett007...I know exactly how you feel! I am in the same situation. I have 6 PDL right now and 5 of them I have placed stop payments on. I was in the process of signing up with this Debt settlement company that deals only with PDL's and then when I called to sign up, they stop doing business in my state! Go Figure!! Anyway I have gotten some really good suggestions from this post and I Thank God for all of you on here. I will definitely follow some of your suggestions.

kt_scarlett007 if you want the name of debt settlement company just let me know...