T&C payment amount

Check your contract once again. Are the payments fixed monthly or biweekly? Besides, check the accounts that have been included in the plan.

Ok so maybe once the smaller ones are paid off, they take that extra money and apply it to the larger balances? That must be how it works. I just hate calling them. I waited on hold 30 minutes today.

I guess that was kind of a dumb question. Of course if I take the monthly payment amount x40 months it does equal my debt amount. Hey! I am earning points for asking stupid questions!

If there is a drawback to T&C it is the hold times. I have found that if I call as soon as they open which is 8 on some days and 9 on others, the wait is not as long. Also, I don't know what time zone you are in but they are in Alabama and are Central Standard Time.

Hi!

I just talked with T&C today and they are sending me my contract information. I just have a quick question.. they were closed when I called them back to ask. They said my credit report and scores would start to get better within three months. Can anyone confirm that that happened for them? Also, she said they pay everyone up front, did I understand that correctly.. did you actually get receipts of paid off accounts and then you just owed T&C? It all seems so simple I just wanted to make sure everyone else has had good results.

T&C does not pay the creditors up front and then you pay back T&C. You send your proposed payment and then they pay your creditors monthly. THis is a common misunderstanding. I have had excellent results with T&C and I have been with them since December. Our credit cards that are in consolidation are reporting as consumer credit counseling/paid as agreed and our scores have increased a little.

does T&C work with most of pdls and credit cards? i have several pdls from internet and storefront...
can anyone please tell me how to contact with them.

Vivian, stay here for a while and you will get lots of suggestions on dealing with the loan companies. Since you have registered in this website, someone from your area will be calling you for a free counseling. You can expect the call anytime. Let us know how things were planned with your consultant.

thanks, i'll wait for the call and see how it goes.