Help!---- Need help finding a reliable Debt Mgmt. Program

PVTJOKER · Guest 100 Debtcc Points

Hello,

I am looking for a good, reliable DMP without damaging my credit too harshly Wink

. Does anyone have any negative feedback regarding Care One Credit? Can anyone recommend a reliable and trustworthy Debt Management Program?

Joined: 19 Jun 2006 Posts: 57 2357 Debtcc Points

I would recommend Town and Country. They have helped me so much and have been the greatest.

Debt Helper · Guest 100 Debtcc Points

They are the best in the business.

Debt Guy · Guest 100 Debtcc Points

Try Freedom Debt Relief (1-800-544-7211)

Brown Joe · Guest 100 Debtcc Points

you could also try debts-saver.co.uk

Joined: 02 Apr 2007 Posts: 224 3986 Debtcc Points

I am also a customer of Town and Country. They do not offer settlements so you will be paying the full amount you owe. They been great people to work with over the phone. I think T&C charges you 10% of your total debt you have them manage for you.

Joined: 08 Aug 2007 Posts: 796 9163 Debtcc Points

RYAN N..does Town and Country try to cut % rates on CC's? What about medical bills..how do they handle that (if you know)? CA's? Please give your experiences..thanks.

Joined: 02 Apr 2007 Posts: 224 3986 Debtcc Points

I mainly used Town and Country for storefront pdl's. I had a few accounts in collections but no active credit cards at the time. I did see on their propsal they have a spot if the CC would reduce your interest %. I'm not sure what happeneds if the CC says no. I did have a couple of medical accounts that was in collections. I ended up paying 100% of the balance if that helps you out any. If I can help any more, ask me, I'll try to answer them.

Joined: 08 Aug 2007 Posts: 796 9163 Debtcc Points

Thanks. Did you just pay T&C , a certain amount of money and they paid all of the creditors you had on your 'list'? Do you have to have .." so-much debt" to qualify with them?

Joined: 02 Apr 2007 Posts: 224 3986 Debtcc Points

There is a certain amount I believe you must have to qualify with T&C but I do not remember what the amount is. What happens is if you should decide to have T&C manage your debts you pay them a retainer fee. I believe its $205 now but when I signed on it was $155. This fee is refundable once you complete their services. You give them a list of creditors and account numbers and they send out proposals once you pay your retainer fee. You should be able to reject a offer they may receive if it’s not good enough. I do not know this for sure, when some companies counter offered the monthly payment they asked me if I can afford it or not. You pay them a monthly payment and then they pay your creditors a monthly payment. I think they charge 10% of your total debt for their fees.