I'm lost in the traffic of debts and don't know how to get out. I have several payday loans as well as credit cards debts. I were able to stop payments on my payday loans, and some of the companies agree to work with me and some have not. I would like to get into a consolidation program, so I can gain control of my finance again. Can some one give me a good reliable company to work with. Thanks

I am looking into consolidating my debts, and I like all the responds about Superior Debt Services. Can someone point me into the right direction. I need their website and phone number.

I just spoke with two different attorneys,we had a call-in deal w/local tv for free advice. Anyway,I explained Sears sold my account to junk debt buyer who was refusing to take payments,thratening,ect. I found out if it isn't the original creditor trying to collect and they want to issue a judgement against you, they have to go through District Court,which amounts to alot of money for them.Plus,they don't have to be licensed here(Okla) but do have to show up where you live. Both attorneys offered almost the same advice.

Hi all. Today, I decided to take initiative as to contacting Creditors Financial Group LLC to make arrangements of an outstanding debt that I have, approx. $2600. I am currently in college, planning to graduate, and it is truly unfeasable for me to pay the amount in full, as they have demanded. I offered an amount that is reasonable to my current budget and the representative immediately commented "I would think you being in college would give you a little more common sense and intelligence about the matter." and then hung up on me!!!

I was wondering if there is a letter or something i can send out to payday lenders that i have consolidated with t&c. They are now calling my work and i am so embarressed. What should i do?

I keep hearing everyone mention T&C, but I have no idea what that is or where to find it. This site recommended Superior debt relief for me, which is debt settlement not debt consolidation. Has anyone used this company, or any other settlement company, that could tell me how their experience was? Does it really work? They want me to not pay my bills and only pay them for 6 months, then they said they will negotiate for me, and get it down to just 50% of what I owe. Does that work or will I only screw myself? -Josh

I just got this from cash net 500, sounds like a threat to me?? Don't know where he pulled that out of! His a$$ probably.. Commercial Law League of America Table of bad check Laws State of Florida Felony Misdemeanor Service Fee Civil Penalties >$50 <$50 $25., or 5% of check Minimum of $50., in addition to the amount face value.

Is this legal? Some debt collectors have purchased some really old debts of which the originals are no longer on my credit report. Do I have the right to dispute the entries on my report? I found 1 that claims to have opened in 2003 but I know for sure that account was opened in 1999 and should be long gone by now. Does anyone have any advice for me? Thanks.!

Why do some of them lie and try to be more difficult than they should be? We have one creditor that has replied to T&C that they will not accept less than the $286 payment; T&C had offered $125 a month. Now, last fall I had contacted the company to let them know to work out a payment arrangement, and a rep offered $150 a month. From Oct- Mar 2006 we paid them as agreed, yet they kept sending emails about the acct being under review because payments weren't being made. I would just forward the emails to the collections rep I spoke with in September, and she would take care of it.

I rec'd a letter from T & C that had a blank check attached saying I could turn that into cash - has anyone ever done this?