I have recently signed up with T&C for the consolidation of my PDL loans. I know that many people here have dealt with T&C consolidating loans with Checksmart. A man from Checksmart left a message on my phone at work saying that I had until 8:00 PM to come into the store and pay back my loan or he was going to turn me in. I am very nervous about this. I have talked with T&C a couple of times in regards to Checksmart and they said that they will handle it, however,I need to know from those of you whom have dealt with Checksmart, if T&C took care of them. I have only sent in the initial paperwork and $155 retainer fee to T&C. I sent that back almost two weeks ago. I am sending two weekly payments today. I am also going to call T&C back this morning as soon as they open, but I just needed and update from those of you working with Checksmart. Thank you so much for all of your help!!!
By signing up for 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 pay off 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.