I need details on T & C and then some.

lren, did you do a "search" in the search box and read up on them? I'm assuming so since you said you read other posts, but you can really read a lot using that "search box". I know many members that use T&C. I personally have not, but hang on and I know someone will come along who has used them or is using them. They can give you some insight! :D

yep I done the search and done the reading, its just that many of the posts are kinda old and I was looking some more current info. Thanks! I'll stand by:)

My understanding is that T&C can actually work with some storefront loans as well as the internet loans.

I'm with Langhorne and they are helping me with every single one of my internet PDLs (and internet installment loans). The way they work is you pay an initial fee and your first payment towards settling your accounts. Once they receive that, they get to work on sending letters to all of your PDL creditors and arranging settlements. As they are a law office, they have quite a bit of weight in being able to get things done. :)

Then monthly, you will send a payment to them and put a certain amount in a savings account. As the companies agree to various settlements, you work with Langhorne to make the payments on these between the money they have set aside for you and the money you have placed in your savings. My understanding is that many people who work with Langhorne end up having money left over in savings once the process is complete. :)

I would anticipate that T&C works in a similar settlement fashion, but unfortunately, I don't know enough about them to help. As cannr said, I'm sure someone will come along shortly. :)

So Langhorne makes settlements, so that means the PDLS don't get the full amount that you owe them? I have internet loans with CashNet, PayDay Select, Payday1 and PayDay USA, do you have any of those?

I also have 3 store front loans, Express Payroll, Checksmart, and National Check Cashiers.

I have a loan with CashNet, and let me tell you, they are PERSISTANT! They are the PDL that has probably called me the most out of all of them.

What Langhorne tries to accomplish is first off, getting those accounts that you have overpaid on marked as paid in full, since those are the easiest. If these internet PDLs are illegal in your state, then it's much easier. Here in California, rollovers are not legal, so most of my internet PDLs are completely illegal and I have overpaid on several.

The next step is to work out settlements with those I still owe. Quite often, they will accept just the amount they have loaned to you and cease all additional finance fees.

For instance, I have paid 1/2 of all of my payments to Think Cash (or $435.50 on a $500 loan). I will likely only need to pay another $100-$200 to them to settle the debt, as they have received nearly all of the original loan amount as it is.

CashNet is my only legal PDL online. I will likely have to pay them the $300 I owe them in full, but through Langhorne, it will probably be chopped into monthly payments.

With your storefronts, I'm unsure if T&C will be able to help or not. Langhorne likely will not. The best advice I can give you on those is see if they are members of the CFSA and work out an Extended Payment Plan with them if you have not defaulted on those loans yet. :)

It appears that National Check Cashers is a part of the CFSA, but the other two do not appear on the list. Fret not, as many of those who aren't a part of the CFSA will still try to work with you. :)

yeah, that's what I thought you were going to say. I'm planning on working on the Epp with the store front, and if I have to I will have to re-borrow the internet ones until I payoff the store front and then start working on them. I just wanted to double check my options. The one with national check cashers is in default, cuase I didn't know about the EPP until last week and the check had already gone to the bank and bounced. They tried to ACH it, but that didn't work either, and so far they've not called me. So I'm wonder if they will take payments or am I stuck paying them off and reborrowing this time?

Lren- did you take advantage of the free credit counseling that is offered here? They may be able to give you some info or solutions.

I'm like Cannr- haven't used T&C,maybe someone who has completed their program can help you.

Whoever you decide to go with, please check them out with the BBB, and any other resource you can. Ask them what they will do for you and how they will handle your creditors, money,etc. And ask about any and all fees..Good luck to you..karen :D

no I haven't but I think I will at least ask. Thanks for the suggestion!

Cheksmart and Express are also CFSA members.

I am currently with T&C and had put Checksmart, Express, and National Check cashiers with T&C. These companies will tell you they do not work with T&C but I've been with T&C now for 5 months now and they accepted the checks. Checksmart and Express Payroll may take you to check mediation but all that is where you come up with a repayment plan.

I will not lie, these three companies will make you life hell for a month or two. They will call and say we do not work with consumer credit but again they do. They are working with me and I'm in Ohio. T&C has been a wonderful company for me. Just remember to ask for statements from T&C. Check over all there payments they have made to make sure everything is ok.

Thanks Ryan, I was wondering what "mediation" was. I can make them payments. So if they will take them I should need to go to mediation then.

lren, ryan gave you excellent advice. It's always great when someone has experienced the same thing with the same companies. And, yes, if you end up going to mediation, all they do is make payment arrangements there. Kinda funny for them to do all this crap to people and in the end you get to make payments anyway. Talk about stress.

no kidding, as you can tell I've been freaking out about them "taking me to court" and all it is, is a payment plan which I'm willing to do anyway! Very stressful. Thanks everyone- your all so great!

When the collections dept call you they will not be nice. They will tell you they will not take consumer counseling and come back in to our store, pay off your balance and then rewrite the same day. Stick to your guns and tell them No, and this is the way I'm doing it. They will threaten you with court and I always told them to take me to court and I will let a judge decide if this is agreeable or not. Checksmart and Express was the only ones to turn me into the courts but we worked out a payment plan. We came to a payment agreement that they would paid off within 6 months.

I have been with T&C since May now and they have been great. They did screw up once and that screw up caused me a lot of headaches but thats why I said to ask for monthly statements. Its a good way for checks and balances and to make sure they are paying everyone correctly. T&C also charges 10% of your total debt that you enroll with them. The only thing I can say negative about T&C is your hold time. If you ever call them with a question after your a customer, you can be on hold for 20 minutes before you talk to someone.

If you have anymore questions ask away, I can try to help out more.

One more thing about Checksmart and Express Payroll, if you do go the route of T&C Checksmart and Express Payroll will show up on your credit report as bad check.

well, national called me today and you are right she told me I needed to have the balance in full by the end of the month, or at least 600 then they could hold the rest until my next pay in december. She did tell me to "just re-write" I told her I needed to think about it.

So Ryan, Express and Checksmart took you to mediation? Questions: Was T & C paying them? Where you paying them anything? How long did that take? And are you currently paying them through T & C or seperate?

I called T & C today and explained my situation the girl I spoke with was very nice and assured me they would work with them, she said they might tell me they don't but they would. She said the internet folks are easier to work with however. She is sending me a packet to look over and think about. Thanks Re

So are any of the 3 places still calling you?

They will tell you must pay by the end of the month for a few months. I probably heard it for 2 months in a row from them. T&C was paying Checksmart and Express $12 a month at first. They never responded to anything T&C sent to them. I say probably two months later they took me to mediation. Mediation is only you sit in a room with a rep from them and a court house employee (who is no use) and set up payments. The amount they wanted was a little more than I could afford but I found ways to make it do for a month or two. I had one loan from them around 600 and another around 450. At mediation we came to agreement that they would get paid 73 dollars a month. At the time I signed up with T&C I had 12 storefront payday loans out and I didn't care if I went to court or not. A few of those stores I went to for years and years and I was ready for a way out. There is a chance they will not work with them but I was able to get your three to work with me. One more thing is I did have checksmart send my HR dept a form for what is my wage per hour and how often paid. I did have to explain it to the HR lady. Also if your credit report doesn't matter to you too much, Checksmart and Express Payroll will put Returned Check on your report. But if you are paying out big amounts to the company in fees, its worth it. Again, all three will be nasty on the phone but stick to your guns if you sign up with T&C.

hum ok....it almost sounds like I should just pay that as much as I can without using T & C. It would seem that they went to mediation cause they just wanted more of a payment. When I asked them what would happen if I didn't have it paid off by the end of the month, she said, "well then we have to deposit the check again" however if I pay on it I wouldn't owe them the amount of the check anymore....so I don't think they could attempt to cash it again. I honestly don't know what to do...I'm so confused. I'm going to wait for the packet from T & C and then make my decision. I have 5 loans due Friday....YURG!!! I've got to think of something fast to tell them buy some more time.

Thanks Ryan your info has been great!

ryan one more question, how much did you owe National and I take it they are taking payments from T & C? So they have stopped calling you? Also, Express and Checksmart took T & C's money but didn't like the amount they were getting right?

I owed National 600 or 700 dollars. They told me they wouldn't take it but T&C has never had a check returned to them.

Also if they are due on Friday, Checksmart and Express are part of CFSA. You can request for the EFF and they will split your payment into four.

Ryan, I know you told me this, but I can't find the post. The reason they took you to mediation was because T & C was only sending them a little bit correct? Also the amount you then agreed on in mediation does T & C send that or do you?

I believe that had a reason in why they took me to mediation. At first T&C was sending Checksmart and Express each 12 a month. At mediation we agreed on 70-some a month.

T&C sends that payment out for me.

Thanks Ryan, so now that you are sending them 70 something, 1. are they accepting the payments from T & C and 2. Have they stopped calling you?

They do accept the checks from T&C and the phone calls have stopped.

Good, I think I might then go with T & C, but I'm going to ask them to up the payment amounts a bit from what they quoted me.