Okay I'm back again with some questions. I'm now working with T/C with my debt and NPA is included in this debt. They have emailed me telling me this: We do not deal with Debt Consoldition companies. It is optional on our part to go through them to get your money that you owe us. We DECLINE !!! to contact them and I will contact you every day if I have to in order to get our money from you that you owe us. Again we are declining to go to your debt company as we have a right to do this. Thanks Mr Kay Okay this was yesterday.

With debt consolidation do we have to turn over / cut up all of our credit cards Two similar posts combined-Mike

I just need to be sure the t&c has a good reputation. I am so nervous because i have been scammed before. Please help!!!

How far can payday lenders go to make you repay. They have called to threaten me at work. They have requested that I immediately wire money to them which I don't have. They prey on people who can't get loans thru traditional means and take advantage of you when you miss a renewal fee. Please advise. I reside in the state of TN. None of the loans that I acquired are in this state, they were done on line.

Does T&C handle all debts or just payday loans?

I keep getting this email from Express Cash/PD6 Ventures: Email below: The difficulties experienced by the collection department at PD6 Ventures/Express Cash when attempting to obtain the slightest amount of cooperation from you have led to your account status being changed to "Refusal to Pay/Intentional Neglect". This is a serious matter and all appropriate actions will be taken to collect this balance.

need help with this number 1-800-410-9419. Thanks!

I checked my credit report,there are no debts in Collections.Why is a debt collector calling me?

The financial services department just emailed me requesting information on the companies I'm dealing with. I gave her the whole story including the names of these people. Hopefully will have an answer on how to deal with this by the end of the day.

Hi everyone. A some of you might know, I have had severe problems with payday loans recently, and just a week ago I signed on to this forum and with T&C. They have given me hope and you all have been such a comfort to me. I have also been in the process of trying to close my checking accounts per T&C's advice, and start with a fresh one. I did open a new account, and place holds on the other one to keep PDL co's from debiting my account. The hold did not stick for some reason, so I have had to file claims on all those charges.