Hi Everyone, I just wanted to share my experience so far with T&C. I just contacted them this morning for the first time and they have already approved my account and faxed my contract, which I just signed and faxed back. They are going to help me with my payday loans and I can't tell you how relieved I am! They said they can even add old debt that may be on my credit report. I have let my financial situation go for so long, it's really a mess. I am very excited to be starting on this new path.

okay everyone...need opinions here. I have two small bills that I am about to pay off---I have enough points to do this with now---As I said I would---then will start again with saving points to pay off the next debts on my list. Keep in mind, the money that I would have paid to these two small ones that I'm paying off now, will be going to the next ones up on the list along with their regular payment as well. I feel good about this. I feel like its a reachable plan for me. Okay-the two accounts that I'm about to pay off----exactly how do I go about doing this?

I received a call today that my HSBC card has been turned over to the law firm of Finklestein & Kern out of Knoxville, Tn. I called them to inquire of what was going on and all I got was the voicemail of the attorney who has my card account. The consolidation company stated when they tried to call them, they stated they had to have my permission. I left verbal permission on his voicemail. Does anyone know how I can get an address of this law firm? When I do a reverse number lookup and it comes up to a residential number. What direction do i go now?

will consolidating damage my credit even more??

I have been receiving threatening phone calls from Encore about an account they have. I have never received any notice from them -so I mailed them a certified letter requesting validity of the debt and to cease calling my employment. Today I receive a call saying they don't have to comply with that and they will contact my employer to do a wage assisgnment. Can they do this? Wouldn't a wage assignment have to go through the courts or can they do it directly with my employer?

Hello, everyone.... thank you for such a wonderful and helpful site. Here is my current story.... Newly married and trying to get my husbands credit fixed to purchase a new home together..... The loan officer pulled the credit file nessasary to purchase a home, and told us what we needed to do before we could continue with the purchase.... I have sent letters to all the credit card companys (3) asking them for a reduced payoff amount. Now I'm working on the medical bills.

Does anyone know where I can find the SOL for NY? Thanks! -K from New York

I am sorry for the way I conducted myself towards moderator stopper and Roy. I should have never stooped to their level. I am just frustrated that people come in here and bash us for not paying our debt and saying they have captured our IP addresses and copied what we have posted. I was accused last night of posting a slanderous statement toward Taylor James & Associates and then going in and deleting it. That I never done. I try not to let my temper get involved, but sometimes it is hard.

I'm looking for a sample letter to write to my original creditor to pull back debt from a collection agency. I really don't know what to say in the letter. I've searched on the web, but could only find this site: This site offers a e-book on repairing your own credit for $29.95 (which I am considering), and will provide you with a bunch of sample letters if you order (this was one of the letters they offered). Anyone know where I could find this sample letter for free?

I've just recently aquired a job to help pay down my debts...but in the past year, I was afraid to open an account being that someone has 'by law' has authorized to attacked my account and take the money from it, and I haven't been able to acquire any information as to who it is...and now, I've found out that I have not only one, but two Judgements placed upon me...I am afraid they will attack my place of employement and take my entire paycheck...what can I do...I would like to clear up this matter. Thanks very much. A.