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I have four outstanding pdl loans. It was quiet for months. Now I have heard from two of them in the past three days. Is there something that triggers them to start up after a long period of no calls? I tried to talk to the one today, but he would not listen.
What state do you live in? Are your lenders licensed in your state? If not, then you are required to pay them only the principal balance. But if they are licensed, then you are liable to pay them both the principal and interest. Before doing anything you should check the SOL period in your state. If it has expired, then no need to make any payments.