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Testimonials to Internet's first get out of debt community

Submitted by Vikas on Thu, 05/11/2006 - 04:33
Posts: 2019

Community Testimonials
On the basis of community suggestion I am adding a page for community testimonials. Please use the following format for testimonials (please attach a photo of yours with the post).

Copy paste the format

Community Name:

As a community member I too have a testimonial to share. Here I go,
Community Name: Vikas
Location: 309 Cedar Street, Santa Cruz, CA.
Testimonials: I was in debt but later recovered from it. I thought recovering from debt for one time is enough to enjoy healthy financial status for ever, but I was wrong. Managing personal finance is as important as handling old accumulated debts and DebtCC community helped me learn those simple tricks. I am very thankful to all the community members for teaching me so many things by sharing their experiences. As a community member I feel proud to recommend debt consolidation care community help for your financial need. Best wishes to DebtCC community.


Note: You can browse other experiences by our community members at .

Sounds like fun! until that page is in action, here is mine:

Community Name: Jedi Mistress Ari
Location: N. Blue Angel Pkwy, Pensacola, FL
Testimonial: Survived my own experience with debt, and later became a collector. I learned every facet of the fdcpa and enjoyed my work. I found this site on a google search and it was filled with shocking details of illegal behavior coming from other collectors. My heart went out to the people in trouble, and I have never left their side since.

Submitted by Jedi Mistress Ari on Thu, 05/11/2006 - 16:17

Jedi Mistress Ari

( Posts: 2192 | Credits: )

here I go..
community name: finsfan13
location: Holland, Mi
Testimonial: I got into serious trouble with payday loans. I found this site in desperation, and because of the advice here I managed to very quickly get everything under control. I managed to save my pretty much save my credit, and things are looking very nice. I am so incredibly grateful to everyone who has helped me..And for everything I have learned. I feel like it's my duty now to be supportive and help as much as I can.

Submitted by finsfan13 on Thu, 05/11/2006 - 16:51


( Posts: 6919 | Credits: )

Here I go
Community Name: (Tammy)
Location: Clarksburg, TN
Testimonial: We got into serious financial trouble in July 2005 and got hung up in the payday loan trap. I found this site while looking for information on a debt collector. I thank god everyday for finding this site. I have learned that I can fight back against the debt collectors, how to control our budget. I have made several friends on this forum and I want to thank each and every one of them for their support and I will do my best to help the new people of the community with the knowledge I have gained through this site and experience.

Submitted by Not so Lucky on Fri, 05/12/2006 - 06:40

Not so Lucky

( Posts: 3041 | Credits: )

Community Name: Jessi
Location: Plain City, OH
Testimonials: Between payday loans, medical bills, and my own "stupidity" when I joined this community, I was in a real mess. While looking for a solution to my problems, I stumbled upon this website. What I found was completely different from any other online community. Everyone here has been in the same situation, and that's what makes this place unique. If you have a question, you will get an answer from someone who actually cares and understands.

Submitted by Jessi on Fri, 05/12/2006 - 08:11


( Posts: 3361 | Credits: )

Community Name: *~Mary~*
Location: Murrieta, CA
Testimonials: As a young kid, I was never taught the important art of credit maintenance. My parents paid cash for everything and had bad credit otherwise. After being turned down for an auto loan, and several other things such as credit cards, I decided to figure out exactly what the problems were on my credit report that were holding me back. I was shocked and disgusted by what I found. Between collection accounts and late payments, I didn't know which way to turn to bring my scores up. I googled a few things and found this wonderful place. Not only have I learned a million things about collection laws and how to repair my credit, I have met some of the nicest guys and gals around, and I am glad to call each and every one of them my friends. Now, I love to reach out to others in debt and show them the way.

Submitted by Mary on Fri, 05/12/2006 - 08:28


( Posts: 1344 | Credits: )

Community Name: erzeke1
Location: Fort Myers, Florida
Testimonials: During one of my sleepless nights trying to figure out a way to get out of the mess I was in, I surfed the internet and found this sight in the wee hours. Tears came to my eyes when I read all the stories about people like me who have gotten into trouble with debt. The people on here are helpful and supportive, no matter what the situation is, there's always someone here to talk to. Because of them, I'm in control again and on my way to becoming debt free!

Submitted by erzeke1 on Fri, 05/12/2006 - 10:35


( Posts: 1145 | Credits: )

Please attach your photos that we can use it with "Ask community a free question" box.

We are improving the "ask us a free question box" that more and more people can get help from our community.

Thanks for your participation and keep helping community :).

Submitted by Vikas on Sat, 05/13/2006 - 06:00


( Posts: 2019 | Credits: )

Community Name: Roxette
Location: Upper Marlboro, Maryland
Testimonials: Before coming to this website, I was enrolled with a debt management Company for managing my debts. The company was advertising themselves in the national papers and major TV channels. I assumed they will do all sorts of things for me and make me debt free. What a pain! I already paid them an upfront fee of $100 and in spite of that; they took out $55 a month fee from the money I sent to my creditors. After coming to your site, I came to know about the real procedures. I was a silent reader in the beginning but when I saw others going through similar problems, my heart went out for them. From that day, I started posting here and my knowledge has enriched a lot. Apart, thanks to this wonderful community for being there by our side.

Submitted by roxette on Sat, 05/13/2006 - 11:02


( Posts: 4009 | Credits: )

Community Name: TwoKidTwoCat
Location: Virginia
Testimonials: I came to this board searching for a loan and an easy way out of debt,after lots of advice and research,I was saved from being scamed out of my hard earned money.I joined a consolidation program,and now Im on the road to becoming debt free.This is the best site around,I would not be where I am today without the help and advice of the great people who post here.

Submitted by twokidtwocat on Sat, 05/13/2006 - 11:24


( Posts: 602 | Credits: )

Community Name: Lorri
Location: Temecula, CA.
Testimonials: Frustration, weariness from worry, sleepless nights and desperation led me to this site. I got into a real financial mess a few years ago and got into a horrible bind with the payday loans. This site was a Godsend---it gave me hope and a sense that I was back in control of my finances.

Submitted by Lorri on Sun, 05/14/2006 - 11:39


( Posts: 1721 | Credits: )

Community Name: Clay
Location: Chicago Metro Area
Testimonials: I have always thought it would be a great benefit to many if someone would put together a website where consumers can get help understanding the laws and dealing with their debt and finance issues with little or no hassels. I was surprised when I found debt consolidation Care, and that is exactly what this community does, helps and supports others in their Debt and financial dealings. Many people come in scared of what could happen to them, but once they come here, find out that it not as bad as it seems, and that they do have rights under State and Federal laws.

Submitted by LCW on Sun, 05/14/2006 - 12:59


( Posts: 1151 | Credits: )

Community Name: Mikey
Location: Ann Arbor, Michigan (just outside metro Detroit)
Testimonials: I came to this site after having dealt with a payday loan company. I had gone through this company numerous times, and had problems from the get go. I never defaulted, but at the end it became a problem with over charging. Since finding this site, I have also learned many new ways to clear your credit with items that are old, or cannot be validated. My credit has improved very much since learning what I know now.


Submitted by Teleport on Sun, 05/14/2006 - 20:16


( Posts: 1388 | Credits: )


Hey there Vikas...Some of us have posted our pics the community photo link. Do you want additional ones?

If you have already submitted a photo we will use it as addition ones are optional (I will love to have more pics from our community members :)). If possible please submit a high resolution picture.

Thanks again,

Submitted by Vikas on Sun, 05/14/2006 - 21:19


( Posts: 2019 | Credits: )

You are right Stella; few changes have been made with the ???ask us a free question box". Now it is showing pictures of the community members along with respective testimonials and the pictures are changing too.

The feature has been added on only one page for the time being. But we are planning to implement it all over the site. So we need more testimonials and more pictures from the community members to make the pages colorful and attractive. Keep posting your testimonial with your picture and help the community reach to more people who are in need.


Submitted by Vikas on Tue, 05/16/2006 - 03:28


( Posts: 2019 | Credits: )

Hi Polly


When someone submits a question...where does it go?

When someone submits a question in the "ask a question box", it will come up as a new topic in the forums. You can also view it as the latest thread in the 'recent forum topics' section at the left. Do you like the new concept? :)


Submitted by Vikas on Tue, 05/16/2006 - 16:47


( Posts: 2019 | Credits: )

Community Name:JJ
Location:Tacoma, Washington
Testimonials:I cam to this site researching how to deal with a particularly basty collection agency that was trying to collect an already paid debt. As I read the site, i realized that many people had or were going through many of the same problems I had dealt with over a then fairly recent period. As I read on in the forums, I realized that if I wouod have known about the site when I too was dealing with PDL's and their nasty tactics, I would have slept better and saved money. Now even though my issues are handled, I decided to stay and help those who are going through what I once did. The sense of community and care here is amazing and I am proud to be a prt of it.

Submitted by jj on Thu, 05/18/2006 - 09:17


( Posts: 1057 | Credits: )

Community Name:Lefty832
Location: Joliet, Illinois
Testimonials: I came to this site by accident as I was seaching PDLs for my daughter. I sure am glad I did.

My journey started about 5 yrs ago with good credit and a few credit cards and then the wife got sick, had an operation and was off work for 6 mos. So I used the cards to rob peter and pay paul and got way behind. So I signed up for credit counseling because growing up filing for BK was a nono and in my head I said it will work out, not. Well thanks to Ameridebt it got much worse and BK I did. It took me a year before I could even think straight about what to do so on the repair path I went. It took me 3 yrs but my credit got better and the wife and I bought our first house in Feb 05. I like the warm feeling I get here when nobody judges you and everybody wants to help. So here I am to help with what knowledge I have learned along the way. Geez I haven't talked this much at one time in years. Thanks for the forum it fits me fine.

Submitted by lefty832 on Mon, 05/22/2006 - 16:09


( Posts: 46 | Credits: )

Community Name:Angel
Testimonials: I found this site while doing a Google search for debt/collection agency help. And I am so glad that I did, everyone on this forum has been a great help and the best part, is that they are all non-judgemental. Someone out there has gone through a similar situation and can lend a helping hand in trying to make things right.

Submitted by Angel on Wed, 05/24/2006 - 04:29


( Posts: 186 | Credits: )

Community Name: Heather
Location: Tampa, FL
Testimonials: I'm new here, (just signed up today actually!) but what I am reading so far is already setting my mind at ease. This looks like a very supportive and informative forum! I'm just getting out of the UGLY pay day loan's crazy how quickly you can get into it and what a pain it is to get out of! I'm looking forward to improving my financial situation and I think info from here will really help! Hopefully in a few months I'll be a success story! I wish I had found this place sooner!

Submitted by gnnssgrl on Tue, 05/30/2006 - 11:31


( Posts: 6 | Credits: )

gnnssgrl---I am glad to see you have signed up and joined us on the forum. Have you spoken to a counselor yet? I agree, the payday loans are awful and difficult to control, but you have done the right place by coming here. Will you tell us some more about your debt situation?

Submitted by Lorri on Wed, 06/07/2006 - 12:42


( Posts: 1721 | Credits: )

Community Name: lgall
Location: St. Joseph, MO
Testimontials: I found this site crying at work because I too found myself in the horrible pdl cycle. When I found this site I swear I just about fainted & have been addicted to it ever since. Everyone here has helped me so much I can't EVEN begin to explain. I got rid of 4 payday loans w/ set4sails help & have 2 w/ T&C!!!! Thank you guys sooo much. I still haven't posted my pic yet. I will when I figure it out!

Submitted by lgall on Tue, 07/11/2006 - 19:20


( Posts: 186 | Credits: )

I have just read several testimonies and am impressed, but i am not sure exactly what it is this site offers! I just found the long lost "ambassador funding" company and i am on my way to paying off my payday loans! On the other hand i want to repair my credit and get out of debt but do not know a good worthwhile company to help me out? any ideas?

Submitted by on Mon, 08/14/2006 - 13:27

( Posts: 202330 | Credits: )

Hi Marcis, this site offers free credit counseling. After you register here, someone from your area calls you and discusses about your debt accounts. After taking the free quote, you can decide whether you want to get started with their consolidation plan or just have the free counseling. Besides, you can participate in this forum and interact with the community. You might find easy solutions to a lot of your debt queries.

Submitted by anthony on Mon, 08/14/2006 - 13:57


( Posts: 456 | Credits: )

The greatest thing about this site is finding out that I am not alone. I have learned so much from others in the forums in the short time that I have been here. I thank everyone for that.
I think the best thing is feeling empowered. I know I owe this debt, but I know there are laws that do protect me.
Thanks again!

Submitted by kscornell on Sat, 08/26/2006 - 16:58


( Posts: 4407 | Credits: )

Community Name:Zachman
Location:NE Ohio
Testimonials:I fell into the trap of credit cards at a young age and it got out of control really fast. I got my first credit card with intensions of building up credit score so I would be able to buy a newer car. Well, the simplicity of buying it now and paying for it later got out of control. I am happy I found this forum. When I did, I was freaking out, and worried about money. Now, I have the mojority of my credit cards paid off and I am working to pay the remaining few off as well. Debtconsolidationcare helped me out tremendously.

Submitted by Zachman on Tue, 09/05/2006 - 21:33


( Posts: 37 | Credits: )

Community Name: kswesterman
Location: Benton, AR
Testimontials: I found this site while searching for contact information for one of the PDL companies that I had a loan with. It never occurred to me until I found this site that I had any recourse against these companies. Everyone was great in helping me, and I have had 4 of the PDL's marked Paid in Full, and even received a refund on one of them. I had paid well over the original loan amount plus the allowable interest in my state on all of my loans, but just didn't see a way out. Thanks to this site and it's members, I have relieved much of my stress!

Submitted by kswesterman on Wed, 09/06/2006 - 13:01


( Posts: 123 | Credits: )

Community Name: amy445
Location: Ohio
Testimonial: I found myself earlier this summer needing help. So I did like many others and took out pdls thinking "This is only short term" Well, my financial life took a downward spiral from there. I felt trapped and penniless because of these pdls, I felt alone and that I had no hope of getting out of the cycle. But by chance one night I stumbled upon this site and it has been a GOD SEND. I have learned I'm not the only one in the pdl trap and that I have rights. I received good/sound advice from the members followed it by learning my state laws and rights. I followed the members advice and I am finding success with escaping the pdl trap. I've also learned how to improve my credit report/scores by learning from others. I could go on and on. This site is GREAT! I can now sleep at night without my calculator wondering how I will pay my bills. Thank You! (Soon to be PDL FREE!)

Submitted by WHEREAMI? on Mon, 09/11/2006 - 17:43


( Posts: 5263 | Credits: )

I was so grateful to find this site. To read the stories of real, normal people who have made the same honest mistakes I have. Always nice to know we are not alone and that others have not only been there, but gotten through it. It helps so much to have unconditional support, along with the tons of truly helpful infomation. I feel for once I can start to see a light at the end of the pdl/debt cycle. God bless. This is a great community.

Submitted by neensie on Tue, 11/07/2006 - 10:58


( Posts: 18 | Credits: )

I found this site while searching PAYDAY LOAN HELP.. I was like everyone else in big trouble.. not in default but close. I was so happy and surprised to find i was not alone.. I am waiting for a Paid in full on 4 PDL and only 2 more to go.. but I feel more in control.. I couldnt believe I made over 60k and fell in to this trap. Once I am done I can pay the CC off. And I hope in a year I can be debt free...

Submitted by on Tue, 11/07/2006 - 11:26

( Posts: 407 | Credits: )

Ok, let's keep this rolling.

Community Name: aciotsf
Location: DE
Testimonials: I got hooked to this website because of the quality of the information available here and the experiences of real people. A strong community that I see here cannot be built overnight. It takes time and patience. I am not in debt but I am glad to stay here and interact with people. If there is something on which I can post, I am glad to help.

Submitted by aciotsf on Tue, 11/07/2006 - 11:50


( Posts: 511 | Credits: )

Community Name: dbaker6
Location: OH
Testimonials: I found this site when surfing the net, looking into debt consolidation. I am so thankful for finding this site. I met so many knowledgeable, kind people here. When I first came here, I was scared and didn't have a clue what to do about my situation. The people here guided me step by step with resolving my debt, encouraging me all the way. I have also made wonderful friends here. I am very thankful for this site.

Submitted by dbaker6 on Mon, 01/01/2007 - 17:01


( Posts: 1600 | Credits: )

Community Name DebtFairy
Location Sandy, Utah
Testimonial I joined debt consolidation Care only a few weeks ago. If I had joined sooner, I would have been several hundred dollars closer to having all my debts paid off. With the help I've received from community members of Debt Consolidation Care, my goal of being debt free this year will come much sooner than planned.

Submitted by DebtFairy on Wed, 01/03/2007 - 21:05


( Posts: 402 | Credits: )

Community Name:Funnydiva2002 aka Diva
Location:Washington State
Testimonials: In mid-November I started getting pre-recorded calls from allied interstate. No info, just a callback number. So, I googled them and ended up here at Debtcc. Wow! It's been humbling and educational to read the threads here. The good news: Allied Interstate was looking for someone else who just happens to have my last name and first initial. The better news: I pulled my credit report and found a collection that I wasn't aware of and am getting it taken care of. Until I lost my job in fall of 2005, I had superb credit. And after that, I just took it for granted. Not any more!

The BEST news: Your collective experience has helped me get committed to pulling my financial bacon out of the fire. The hard-earned knowledge of this community has booted me in the backside so that I can repair my credit before it gets much worse. Because of what I'm learning here, I'll be able to stay out of some truly awful financial traps. And I've got an opportunity to encourage others and help them stand up for themselves.

Thank you all for being here to help and support people you don't even know. You are the kind of people who make the world a better place.

(sorry, no pic yet, I'll work on that...)

Submitted by funnydiva2002 on Thu, 01/04/2007 - 22:35


( Posts: 37 | Credits: )

I found this site by mistake, but I'm glad I did. I am at the beginning of the payday loan cycle and right now I can't really see the end of it- I can't catch up enough to stop applying...

Submitted by on Tue, 01/09/2007 - 12:14

( Posts: 202330 | Credits: )

Community Name: Goudah2424
Location: Portland, Oregon
Testimonials: I came to this site accidently trying to find a phone number for a payday loan I was about to default on. Because of the information on this site I was able to prepare for what was to come. I learned exactly what was a lie and what to do to get myself out of the mess. Because of this site I am now payday loan free and without this site I don't want to think about where I would be . . . .

Submitted by goudah2424 on Wed, 01/31/2007 - 13:04


( Posts: 7935 | Credits: )

Community Name: Morningstar
Location: Los Angeles
Testimonials: I found this site because I was bored. I stayed, because I learned more about debt collection in couple of weeks here, than I did in 7 months as a collections manager. I am happy to share my time and ever growing knowledge. For personal use, I've learned to how to stay on top of my credit report, and will do so now.

Submitted by Morningstar on Sun, 02/25/2007 - 13:38


( Posts: 1633 | Credits: )

Community Name: Brownsugar
Location: Ohio
Testimonials: I found this site about 5 months ago when I was doing a google search on Arrowhead Investments b/c I was in a big mess with the pdls(storefront and internet). After reading some threads, I found that I was not the only one in this mess and I quickly learned how to get control of it with the help from others on this site :D

Submitted by brownsugar on Sun, 02/25/2007 - 14:03


( Posts: 1389 | Credits: )

Community Name: Suebeehoney70
Location: Michigan
Testimonial: I found this site while searching for "payday loan relief", "payday loan help", or "payday loan assistance" - this site came up all three times, right on top of the search results. I figured that was a sign I should check it out. I've been here ever since, and have learned so much. I didn't have a large number of payday loans outstanding when I joined, but I did need help with the ones I had, which were a little difficult to deal with. The fine members of this site, some of which have become my friends and confidants, were able to help me through a very rough time and help me free myself of my self-imposed PDL trap. I think that's the most important lesson someone can learn from this site - we got ourselves into the PDL mess...but we can get ourselves OUT of it as well, by following the advice given here!

Submitted by SUEBEEHONEY70 on Sun, 02/25/2007 - 15:10


( Posts: 4583 | Credits: )

Community Name: Mannictay
Location: Kentucky
Testimonial: Well I have a long story so bare with me. Everything started when me and my husband go married, he had to have his first of 3 surgeries. I was working and going to school. We made it through that surgery with the help of his credit cards. Then came the second and with his credit cards and my pay check we made it again. I had a changed jobs, and then had a baby. After the baby was born we struggled a little, but we curved our spending and made it. he decided he wanted better money and changed jobs. The money was good, but then he got layed off. Thanks to the mines. During that time he hurt his knee and the required surgery. One week before time to have his surgery he got laid off and guess what there went the insurance. So I took out several payday loans so he could have his surgery. I was the only one working for almost three months. Then I about had a nervous breakdown. We had it rough and almost lost my car and his truck. He went back to work at his first job and we was still stuggling. I was in denial until Christmas. I bearing could afford to buy my daughter stuff. Then we decided to file bankruptcy. We went to a lawyer and he went through all of our debts and just flat out right told us you will never be able to pay everything off. We owe $56,000 in medical bills alone, with 4 credit cards, and 5 to 6 payday loans. He informed me to stop payments on everything. I did and it wasn't long before I was getting the horrible phone calls. I was freaked out. I couldn't work for the rest of the day. I was researching Bass and Associates found you guys. What a blessing! I have read about them and other ones I am invovled with and finally got up the courage to call Kentucky's Office of Finanical Instutions. They gave me valuable information. I found out that I have over paid each company by hundreds of dollars. So that is pretty much my story. I am now going to get the ball rolling on getting some of my money back and I will be going to court for my bankruptcy soon. One things as a family that we have done is set a budget. This week has been rough because of One Click Cash, but hopefully I can get through that. So I will be sticking around to help out others.

Submitted by Mannictay on Fri, 03/16/2007 - 13:36


( Posts: 14 | Credits: )

I found this site looking for complaints regarding GFSIL and other internet payday lenders... I won't go into detail as to how I got into this trouble...Until I found the useful information on this site, I was unable to put groceries in the house or pay the rent....Had to rely on my mother to take care of me...Thank God for this site and all the wonderful people who helped me!

Submitted by Leah on Thu, 04/05/2007 - 14:53


( Posts: 2322 | Credits: )

We filed bankrupcty last year and things are worse now then ever. We should of tried to pay but we couldn't find any help and now I read all these testimonies and it's amazing.

Submitted by on Thu, 04/12/2007 - 21:11

( Posts: 202330 | Credits: )

Community Name: sswett
Location: Connecticut
Testimonials: I found this site a few months ago when researching Route 66. I kind of lurked for a while, then toward the end of March I joined. When I originally found this site, I decided against getting a PDL with Route 66, and ended up with one from Premier (AKA PD6/Xpress Cash/Loan Shoppe/Westbury) well as one from GFS. After realizing what a fool I'd been, I joined, in hopes that I could gain knowledge as well as provide it to others on the forum. This forum has become my financial "rock" these days. I'm going to be in the clear soon (i hope) and can thank the members of this community for that. I don't know what I would've done if I hadn't found this site. I've also recommended this place to my sister, who has since joined. I'll recommend this site to anyone!

Thanks again!

Submitted by sswett on Fri, 04/13/2007 - 09:23


( Posts: 408 | Credits: )