I just called Quik Payday, they were actually really nice, which I wasnt prepared for. I explained that I was going into debt consolidation with T & C and they said they needed to fax them the proposal. Then he continued on to say that they would glad make discount payment arrangement with me spread over 4 mos. He gave me his name and ext. and said if things do not work out with T & C to call him and theywould gladly work with me. HUH!!Fat chance. Then I called 500 Fastcash. They were not so friendly, not mean, just not as friendly.