Is T & C a good company?

I have pay day loans that I would like to consolidate. I would like to know who I can contact to do so.

edited by vikas:
Deleted the post by ipaymybills.

Please read my response to ipaymybills post on:
http://forums.debtcc.com/halloffame/shirley.html

It was a similar post and I did not want to waste my energy replying to him again over here.

Warning to ipaymybills:
Please do not test our pateience. One more of such posts and we will have to ban you.

Hey you are not supposed to use all caps in posting and who do you think you are? Mr. goodytwoshoes? Why are you yelling you are on this site a lot too I notice. So mr.ipaymybills relax and show a little consideration to us poor folks who are trying to pay bills by consolidation! I'm sure you have made many mistakes in your lifetime we are all not perfect like you.

I have a question. I am about to start with Hess and Kennedy I don't have payday loans just credit card debt. But I need to know if the credit card companys keep reporting bad stuff in your trw once you are in the program. thanks, Dandy

Dandy,

You can check their profile with BBB website. It's a good habit to check the reputation of the business that you are going to deal with.

This site can help you get a good credit card debt consolidation company. The members of this site are satisfied working with the companies referred by the site. You can avail the free consultation to check if it matches your criteria or not. The counselor will help you to get your credit file updated in your favor as well. See the benefits of debt consolidation here-

http://www.debtconsolidationcare.com/benefits.html

can someone pm me the contact information for t&c.

Hi rtcmom

Have a look at your PM. I just forwarded the info. :)

Would someone please give me the contact info for T&C so I can consolidate my PDL Nightmare! Thank You! Jo

jo, I pm'd you the information.

I just got off the phone with a nice lady named Melissa and she said they can work with me. They are going to send me a fax with the paper work to go over. Does this sound right?

Yep they will fax you the paperwork for you to read and if you agree to the terms, you sign and fax it back.

Can someone pm the phone # for T&C as well? Thanks in advance

I just signed up on this site. After entering my info I was told that "Superior debt relief" is my best option and they will be contacting me via the number I entered.

1. Do you all have any experience with this company?
2. Can I get the number for this popular T&C group you all keep raving about?

Thanks

I too would like\NEED info on payday loan (and other) debt consolidation, please

Hi Jaydott

Superior debt relief is the consolidation company operating in your area. They do negotiate with your creditors and reduce the total debt by 50%. Discuss your accounts with the consultant who will be calling you up shortly. He will be able to arrange lower pay offs for you. They are successful in their debt negotiation process.

I got a quote for all my loans but I am wondering if I should send western union or first class mail. I am just afraid of the possibility of geting sued before they start contacting all the creditors. Any suggestions/comments. I would rather mail the forms in because its cheaper.....I'll take any input. I am just relieved that I can get some help and be heading toward the "stress free" road!

Anyone from Indiana on the wonderful site?

David,

Thanks for the info. Is there any word on how long it usually is before they call?

Usually, the call is placed back within the same day. In case, you don't get the call, you will definitely hear from someone the next day.

Jo, my personal view will be to send the money through check. This way, your bank information remains secret and the company will also receive the payment from you.

Thanks for the info. Is this Co. able to help someone in Kansas? and is it only for web loans? I ask because I also have some that I walked in and am still renewing ;(

Thanks again for all your help!!

Yes, the company will work with you on your consolidation program as they have been recommended in your area. Discuss your accounts in details and set up the payment plans. Keep making regular payments and become debt free within the set period of time. Best of luck

Would T&C also do a car loan and medical bills in with the CCs and payday loans?

jodyhome, that is what i was wondering too.

You may be able to include the medical bills but car loans are not generally included with the debt management program. If you have registered here someone will call you and you can ask that question.

Hi there, new poster but frequent lurker. It has been WONDERFUL finding this board. I have been kicking myself for the enormous financial hole I have dug myself into. I consider myself a pretty well-educated person, have a good job, no one on the outside would guess what a nightmare of PDLs, credit card debt, and overdraft fees I've stockpiled. :( I've also put my parents and fiance in debt borrowing money to throw at my payday loans and I was beginning to truly think I would never get out of this.

So, thanks. I would like to contact T&C and see what they can do. Could someone please PM me the info?

Check your PM.

I sent you the info

holdingbyathread--I am so glad you found this forum and are a lurker "no more". It can be so much more informative for you if you can share your experiences with everyone here. If you have been "lurking" around then you know that everyone here has been or is in the same boat with their debts. Glad you came on board.

well, I have most of the info I need to consolidate my PDLs and it is scary. I managed to get at least 10 of them for a couple of grand.
What a dumba** I was for thinking it was an easy way out!!

I sent my paperwork to T & C this morning Fax and I will send them thier fee monday to start this thing, I am not in default with the PDL's as of yet but will be when I close that bank account today
We shall see

I am possibly going with hess/kennedy, but read some bad info on them on a web site, seems there are a dfference of opinions on here as well, would like some input also some info on t & c or what the t & c stand for would be nice instead of keeping things a big secret and how to contact them, it seems if this site is to really help people then you could post how to contact these companies, or is this just a site to lead people astray ran by people paid to promote possible bogus companies

Hold on nowhereman01, after you register in this site, a consultant calls you for discussing on your debt accounts. I saw you registering in this website sometime back, browse in this forum for a while to know more about it. You seem to be very quick on your remarks. Read this thread carefully.

http://forums.debtcc.com/forums/about10413.html

T&C phone number is no big secret. THis site has helped alot of people understand how to take control and deal with collection agencies and how to fight back against the pdls. No one on this site has ever lead anyone astray. THis site also doesn't promote bogus companies by any means.

i have ben beating my head against the wall for months now, am desperate to work out something but am afraid of the if something sounds to good to be true it usually is syndrome right now, got an offer from hess/kennedy, but not sure if they are on the up and up, or if all my creditors will deal with them, mainly the pdl's, and do i have to include all my credit cards, would like to keep one if possible

Can I get the phone number for T & C (the payday loan consolidation company)? thanks.

Ok, so maybe I spoke in haste, I have just reached a situation where I am looking for any real help, could almost handle the credit cards, but its the PDL's that are breaking me, made the call to hess/kennedy today, also talked to T&C, but will go with H/K,payment schedule was more afforadble.
What do I do durning the time (3 months) before the place can act upon everything, mainly the pdl people, they will all be calling, and sending checks to bank, can handle the overdraft charges, just dont want them to go to any prosecuting phase for checks not being honored.

If you are hiring a consolidation company to handle your debt accounts, they will make sure that your payments reach to the lenders in the right time. You should keep a copy of all your documents in order to prove that you are taking care of the matter.

Tammy,
did you receive my PMs?

I've been lurking here for a few weeks, but finally have the courage to post here. I'm just so embarassed by my situation!

My husband and I have had financial difficulties for two years now. When I went back to college I only worked part-time. We took out payday loans to pay bills. And then we took out payday loans to pay the interest on the first payday loans. Lather, rinse, repeat.

I'm done with college for now and have a good job. We could really benefit from a debt consolidation service, but the ones I've called tell me that they can't or won't work with payday loan companies.

I'm very interested in getting ahold of T&C. I'm also interested in getting refunds from the payday loan companies that didn't adhere to my state's laws.

Does anyone know if T&C works with folks in Colorado?

Thanks to the powers that be for having such a helpful forum! I've learned so much already!

Hi Krussell, don't feel embarrassed about your situation. We can all relate with each other. Some of us who have seen things improving slightly leave a good imprint for us with their valuable suggestions and advice. And similarly, those who are not in a good situation like we find ourselves in, we can set examples for them. So, the best bet for us is to read such forums and gather adequate knowledge that can always be helpful. Many here have tasted success with the consolidation program and few have been able to get the refunds from some lending companies as well. We just have to put our steps in the right direction and move ahead. I am sure luck will favor us. You have done the right thing by registering in this website and taking the first step towards debt free. I am sure you will taste success sooner.

Welcome Krussell. Stick around and you'll find this is a very helpful place. Don't be embarrassed, we've (almost) all been there. We're here to help!! :)

Thanks, GunsNroses and Sue, for the warm welcome. I just can't help but feel so stupid, you know? Both my husband and I were raised better than this! :)

The company that this website referred us to doesn't handle payday loans. None of our payday loans are in default yet. I've been looking up Colorado laws and it turns out most of our loans have been extending our loans and charging and us illegally. I'm seriously thinking about sending letters demanding that they stop debiting our checking account. Does anyone know if that will automatically put us in default if we still have balances due? Will the payday loan companies start calling our references?

And do I really need to wait until I have 1500 points before I can get T&C's number? I'm very anxious to get going on this... I guess I could post stories about my cats or children or something... :)

An interesting sidenote--the attorney general of Colorado apparently sued Quikpayday.com recently for illegal lending practices, and got a pretty large settlement!

Sorry I've hijacked this thread...I'd be happy to repost someplace else if necessary.

Don't worry! You will get all the help you need. Just stay with us for a while and you will read many good things here. The lender has to act within the legal lines even if there is a balance due after charging excessive amount. Since none of the accounts are in default, they cannot put negative remarks on it. First, pull all the latest statements and see how much payments have been done from your side. Compare the rates with the laws in your state and get the actual amount. If you have paid excessively, write a letter to the lenders mentioning the state laws and the request for a refund. Take the help of your bank also if it helps. They will dispute the debits directly with the lenders and give you quick results. Let us know the outcome.

First off I don't know anything about T & C. I have just signed up with Hess Kennedy & Company, and so far they have been very professional and courteous to my needs. I have also done tremendous amounts of research. The best tool I have come across from stopping collections agencies from calling you is to

1. hire a debt settlement company to work for you.(basically, you are hiring an attorney for you when you do this.)

2. read the Fair Debt Collection Practices Act.(fdcpa)
It states in Sec 805(a)

Quote:

Could someone tell me the full name of T & C?

It is called Town and Country Acceptance. They are located in Birmingham, Alabama.

I have been with T & C for about 3 months and yes they are wonderful and the calls will stop.