Why No Phone Calls?

Lorri, are you in touch with your counselor? They might be able to give you the latest updates on the negotiations placed with your lenders.

You have nothing to worry if your monthly payments are reaching your lenders. Have the monthly statements documented for your convenience.

Lorri,

T&C will send you a monthly statement if you request to receive a monthly statement. It will show balances owed and how much is being sent to each creditor.

That I know---I just want to know why the lenders and PDL's haven't been bugging me

Perhaps, they are now assured about your regular payments. Usually, the lenders make the collection calls for a period of two months. During this period, they check if you are regular with your payments.

You primary concern should be to see that your payments are getting posted towards your debt accounts. If this happens, you are surely on the way to become debt free.

Sorry Lorri, I miss read your post.

Thanks for all advice. Strangely I had a call from HSBC and they said they have not rec'd a proposal and T&C told me all had been sent and accepted. I will certainly be contacting T&C to find out whats up.

This is a common game with HSBC. THey sued me claiming they hadn't received any payments and they weren't posting the accounts with the payments. Jessica at T&C was very helpful getting copies of the contracts, copies of the cancelled checks proving that they had received the payments and cashed the checks. HSBC will screw you over in a heartbeat and think nothing about it. Be very catious when dealing with them.

Lorri, everyone told me that once the lenders rec'd their first payment the calls would stop and that is exactly what has happened for me. Its great to know things are being taken care of.
Tammy, I love your little blue guy. He is so cute.:)