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Samples of letter for the creditors

19 years 8 months ago
Hey yall What is "the letter" that everyone keeps referring to? What pdl's can it be used with? Can it be used in Michigan? Please can someone PM me with some info??? Cristee :?

 

Hate to admit it, but been kicked out of 2 programs...

19 years 8 months ago
I cringe to admit it :oops: but I've basically been, for lack of a better term, "kicked out" of 2 debt consolidation/counseling programs (Care One and AFS) because I had too many electronically drawn payments returned for insufficient funds. I am nervous about doing debt settlement, would prefer to try debt consolidation again - but my question is, 1) would any reputable debt consolidation accept me as a client given this history and 2) would my creditors be likely to accept the terms of a third consolidation program's proposals? Thanks very much

 

Couple of questions on how to zero out the balance

19 years 8 months ago
Okay i have a couple questions to ask. I hear people on here stating that they got the payday loan companies to zero out their balance due to paying so long. I have 9 payday loan places that i have loans with. 6 of the places i have had for over 1 year and 3 for about 8 months. I really do feel with reloaning every 2 weeks for that long that i have paid back the loans over and over plus more again. What should i do to let the payday loan companies know that i shouldn't have to pay them anymore. I am with t&c right now and i think that a couple of them have excepted t&c's proposals.

 

norwood group pdl , anyone heard of them

19 years 8 months ago
this is the letter i got from the norwood group after i am trying to work out payments with them,i closed my account due to other pdl companys ripping me off, mind you i only owe these clowns 75 more dollars. Quote:
Ms. Scott: I forwarded your email to our Legal Department. Here is their response: "I would advise Ms.

 

Just bought a home, trying to pay off all credit cards....

19 years 8 months ago
Does anyone have any suggestions on the best way to consolidate 3 credit card balances to one and have a decent rate in order to have just one monthly payment? I am new home owner and have no idea what to do!! Thank you!!!

 

Anyone know these numbers?

19 years 8 months ago
Just curious to see if anyone knows whom these numbers belong to? Im at work and not suppose to make personnal calls. Thanks for any info. 866-849-6441 & 888-808-8913

 

Think I'm going to cancel with T&C

19 years 8 months ago
They are a really great company - a little slow to get proposals approved, but very nice people. However, I think I managed to advocate for myself better than they could and don't need their services anymore. What do you think? I started out with several PDLs enrolled in my program a few weeks back. Worldwide Cash accepted an arrangement and ameriloan agreed to work with them (nothing has ever been finalized, though). That's the only ones. Cash Advance Now settled w/me for $100. Cash Doctors, Premier Processing, One Step Cash, and GW Financial all wrote off my balances.

 

Medical Bills of $250.00 in my credit report

19 years 8 months ago
I recently checked my credit report and found a $250.00 medical bill from the year 2003. I never received notice from this medical facility and was never notified that it has been turned over to a collections agency. The horrible thing about this is that I indeed have medical coverage. I now no longer have the same medical insurance company and afraid they will not assist me in this matter. I also believe that the medical facility should have never performed a procedure without checking with my insurance carrier or advising me of the amount of the procedure should I not be covered.

 

I want to get out of debt

19 years 8 months ago
i just paid for a credit report and I don't know what to do next. I have 9 things and 5 are closed but still on the report do I need to get them to remove those closed ones? I want to get out of debt and I am in an area I know nothing about. I need to know how to start. thank you!

 

Why do the lenders do this?

19 years 8 months ago
Will someone please explain why if the PDL's have gotten the proposals from T&C do they still try and contac me? Are they trying to work an outside deal? I just got a message that someone from Cashnetusa called. The person wasn't there but the rep said that they did receive the proposal. I am kind of nervous now and want to know whats up. Should I call T&C and tell them to call them? Help!