Internet's first get-out-of-debt community - 135,000 members

Posted: Mon May 08, 2006 10:32 am Subject: nervous and scared

Hi,

I recently set up a plan with T & C, consolidating some old credit card debt and payday loans. The payday loans are all in good standing at this point. T & C told me to stop payment, which I did by ID#, as suggested on this site. They said that when the payday loan companies do not get my payments on Friday 5/12, T & C will then be able to contact them and negotiate. I am really really nerous for them to not get their payments. What will happen? Can anyone tell me? I am really scared they will sue me or harass me.

Thanks.

Posted: Mon May 08, 2006 10:35 am Subject:

You did the right thing by contacting T&C before you defaulted. I did the same thing, I also called all my pdl's and told them what I was doing, as well as closing my checking account to all debits.
I was a nervous wreck! They shouldn't harrass you if you are setting up payment arrangments. I havene't got but 1 or 2 calls from them, and a couple of emails.
Let them try and sue you, chances are they aren't legal in your state and they won't be coming there to sue you.
Just sit back, relax and let T&C do their thing. If you get a call, just give them T&C's number and hang up.
Good luck

Posted: Mon May 08, 2006 10:46 am Subject:

I just closed my bank account when I sent everything to T&C. Do you think I should notify the PDL's before hand?

Posted: Mon May 08, 2006 10:47 am Subject:

I should have finished---Mine are coming due this Friday also and I am starting to get kind of nervous. But I am glad erzekel suggested just giving them T&C's number and then hang up. Thanks

Posted: Mon May 08, 2006 10:59 am Subject:

jeanne bean, payday loan companies, along with many collection agencies, prey on the fears of people like you. You are doing the right thing though. The best way to overcome your fears and avoid being taking advantage of is to become informed about the law, your rights, and what is really going on. Reading this board is a great start to that. Good luck!

Posted: Mon May 08, 2006 11:04 am Subject:

dmj is right. The more knowledgable you are about your rights, the more self confident you'll be when dealing with these people. I try to be as professional as possible on the phone and not stoop to their harrassment and tactics. If I don't like the conversation, I simply hang up.

Posted: Mon May 08, 2006 11:16 am Subject: Nervous and Scared

Does anyone know the addresses for these PDL companies? They refused to give bot me and T&C there addresses on the phone or by fax. One even gave us a bogus Vegas address and our letters were returned NSP.

Money by Now
Arrowhead Investments Inc
EPayday
FTR Processing
One Click Cash
One Step Cash

HELP!!!!!

Posted: Mon May 08, 2006 11:23 am Subject:

Hi Deirdre

You will get these addresses in the BBB website. Type in the name of the company and you will get their info. If you are unable to locate any, let us know. We will find it for you.

Posted: Mon May 08, 2006 11:57 am Subject: Nervous and Scared

The only address to come up on BBB website was Arrowhead. FTR and Epayday said my account was transfered to a collections agency called I-Collect but they only have a machine and I am not leaving my social on a machine.

Posted: Mon May 08, 2006 1:54 pm Subject:

Deirdre, do not leave your social security number in the machine. Ask for the address of I-Collect from FTR so that you can send a debt validation letter to their mailing address. Do not make a payment agreement until you have reviewed the details properly.

Posted: Mon May 08, 2006 1:59 pm Subject:

One step cash's fax number is 800-689-6140...I am with them, they will accept the T&C proposal, so don't worry. I have tried to get a mailing address out of them, but all I ever heard was, "T&C can just fax us a proposal" so, just tell T&C that is all you can get out of them, and ask them to fax the proposal instead of mailing it. Hope this helps. I don't have the addresses for the others.

Posted: Mon May 08, 2006 2:05 pm Subject:

Here is the address I got for One Click Cash. They were formerly known as Preferred Cash

One Click Cash
2533 N Carson St, Ste 5024
Carson City, NV 89706
1-800-230-3266

I am looking for the others.

Posted: Mon May 08, 2006 2:34 pm Subject: Nervous and Scared

Thank you all for your help. I will give T&C One Step's fax number and the address for One Click Cash. These people are so crazy. If they want to get paid, they should give up their address.

Posted: Wed Jun 07, 2006 11:40 am Subject:

one click cash also has an address for miami oklahoma

Posted: Wed Jun 07, 2006 12:01 pm Subject:

One thing you have to understand about PDL's. They have soooo many account go into collections. More so than the accounts that actually stay in good standing. DON'T get nervous. They are use to this believe me. If they start calling, send them a cease and desist. Let Town and Country do their thing and take the phone calls. That is what you are paying them for. This is just a baby step to financial freedom. We all went through it

Posted: Wed Jun 07, 2006 12:08 pm Subject:

FTR Processing

5700 Broadmoor Street
Shawnee Mission, KS 66202
913-671-8737

*Name:
*Email:
*Phone:
*Zip:
*Debt

	* denotes required field

Internet's first get-out-of-debt community - 135,000 members

nervous and scared

Members Area

Free Debt Counseling

Ask the community

Also See

Featured Discussions

Featured Articles

Recent Forum Discussions

Recent Blog Post