First off I would like to thank everyone on the crew for this wonderful website and I don't know what I would of done without it!!!!
Well, back in March or April I was looking around the internet trying to find a way to get out of my mess. Over the past three years I managed to rack up 12 to 14 storefront pdl's (I guess I don't want to admit in my head how many I had) and did not know what to do. I had many nights where I couldn't sleep trying to figure out how I can get out of this. Every day of the week I almost drove to one store to pay off the other. I was sick of tired of my whole paycheck and gas be gone within two days and still have many pdl's to pay. Sure there were a few nights the voices in my head would say end it and your life insurance would cover everything for my family but I'm too big of a wimp and could and NEVER would do it. I would get mad at myself for thinking those thoughts in my head. Then I did a google search for debt conolidation and found this wonderful site. I read many things about Town and Country and in April I signed up with them. Now I'm in the month of November and have probably half of my pdl's paid off. When I signed up with T&C I put everything I had in collections and I have 10 more months until I am totally debt free (except car and a low student loan). You may not see me post much around here but if someone has trouble in the State of Ohio I'm there giving out advice if I can.
I think I am on the downhill slope of things now. I do not have any stores or collection agencies calling me anymore. I'm not afraid to pick up the phone when it rings worrying who this may be. If its a collection agency I sort of look foward to it. I have learned so much from this site, I think they hate talking to me now. But every month now I should have one or two pdl's paid off and I can not wait until I have 0 left. One thigns I wished I learned earlier was the hard block with my bank as all these pdl's racked up a $1400 bill with my bank. Sigh.
But again I would like to thank everyone here who has helped me over the past few months. I couldn't done it without you all.
By signing up a debt counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.