Payday Loan Debt Solution (PDLDS) does not offer Payday Loans. What we do is settle debt. We contact your lenders upon receipt of an executed agreement and begin negotiations immediately after you have funded a dedicated account we help you set up. This dedicated account will be set up under your name and you will have access to the funds in the dedicated account at all times. You understand that PDLDS can make no guarantees to the settlement amount and results may vary. The fees owed to PDLDS will be considered earned at the time a settlement has been arranged, agreed by you and your creditor. You must make at least one payment to creditor prior to beginning the program. Our typical program lasts between 6 to 24 months, depending on your needs and how quickly you would like to resolve the debt. The negative consequences in not making timely payments to creditors include: negative impact on your credit score and report, creditors may sue or continue with collection efforts and you may accrue new fees, interest and increase the amount you owe.