Payday debt consolidation

You paid a fee to them in the range of $100-$200.00 and then they ask you to sign a contract and they give you a monthly payment ...but is a catch.....they dont contact your lenders after 6 or 10 months...you need to have a saving accounts which they set up, once is enough money in that account then they begin to settle. I had a consolidation company and I cancelled the contract before sending my first fee payment, couldnt wait that long for them to settle, I was scared that they reported to my credit report which I have fight to keep it clean for the last 7 years. I dont recommend the consolidation program but is up to you. I just holded my breath and contacted all my lenders and I settle with them, some of them are very nasty but when you submit a complaint to the BBB they become very nice and settle without fees. Good luck