what to do

http://www.fdic.gov/SmallDollarLoans/

i am using t&c to help me pay off my debts. however, a lot of my creditors have been reaching out with solutions to help me. My advice would be to work out what you can on your own, and if these people want to give you a hard time, refer those accounts to a debt management company.That way, your contract will be shorter, and you will end up paying less in the end for the service they provide. I made the mistake of putting every debt i owe on my contract with the debt management company before trying to work them out on my own, so now i confused myself on who i worked things out with and who i didnt. But thats my advice to you. hope i helped and didnt confuse you more. :D

It helped a lot, thanks! I think I'm going to try to figure it out on my own. I can't see paying someone a fee to manage it for me but yet I would like to only have to pay one payment for everything. So I'm torn about it and have to make up my mind soon!

To be honest, the real reason i pay the settlement company is because i dont wanna deal with my rude, pushy creditors. i feel like i pay more for peace than anything else. im still having issues with payday loan people harassing me but im told that cease and desist letters are being sent out on my behalf so we'll see. Also, i find that i can breathe more because with the program im on, i actually have money left over from my check so i can either send that in as well to hasten the process or start building my savings back up. Ahhhhhhh feels so good to breathe again! :D