I read alot of people talking about debt consolidation

Hi shorach, what type of debt do you have? And how much do you owe? All the registered members of this website receive free counseling. Go through the process, it will help you a lot to get out of your debts.

T/C is a debt consolidation company, I haven't dealt with them personally, hope someone else would give you more specific information.

T&C is a debt consolidation company that handles Payday loans, personal loans, credit cards etc. I am with them with my payday loans, personal loans and credit cards. They are very good to work with.

oh2benc2 can you give me their website. I would like to consolidate payday loans

Shorach, someone will be calling you back for a free counseling. Discuss your accounts with him and know your repayments. It will also sound good to talk to your lenders and explain your financial situation. Offer them your payment plans and stick to it. They might be willing to waive off most of financial charges from the total debt if you show regular payments.

does anyone have T&C information

Someone here will be happy to help you. By registering you took a great first step. Talk to the counselor when they call you. There may be other options for you to consider also. You may also want to check out this thread http://forums.debtcc.com/forums/about10413.html.
Your participation in the community helps not only yourself but others who may feel they are alone or overwhelmed with their debt and finance problems. They soon will realize there are others out that are going through the same things or have been through them already.