The great thing about T&C is that they in no way make you feel like an idiot or loser or whatever when you explain your debt situation. They obviously have heard it all so nothing is a big issue with them. Good luck!
The last paperwork I received from the total fees were $210.00. As soon as I can afford it I will be enrolling in their program. Read nothing but good things about this company
T&C does not work with people in KY because KY has a law stating that anyone who is in debt has to go through a KY debt consolidation company-at least that is what T&C told me when I moved over here