I've gotten one payday loan marked "paid in full." FINALLY! However, I am still consolidated with T&C and working with them, so far so good. The only thing is I am still receiving calls and emails from some of these companies, mainly Emerald Marketing and the Cash Store. Emerald marketing continues to claim that I am not trying to work out what I owe them, even though I've told them over and over again that they can talk to T&C and I give them their number. But nothing.