Well after much thought about my entire situation, PDLs 4 of them and the credit cards being past due I've decided to sign up with T & C. I had called them last year, and thought I could do it myself, well we know that didn't work! I'm sure I'll get crazy calls from the PDLs, but this is the best course of action. I have to be able to live and provide for my kids.
I called them today they assured me they work with all my PDLs all the time, (she said they might hassle me), but they will work with them finally at some point.