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Help!---- Need help finding a reliable Debt Mgmt. Program

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I am looking for a good, reliable dmp without damaging my credit too harshly ;). Does anyone have any negative feedback regarding Care One Credit? Can anyone recommend a reliable and trustworthy debt management Program?

I would recommend Town and Country. They have helped me so much and have been the greatest.

Sub: #1 posted on Wed, 04/16/2008 - 04:55

fastcheese fastcheese

(Posts: 61 | Credits: 30.78)

They are the best in the business.

Sub: #2 posted on Thu, 04/17/2008 - 02:43


Try Freedom debt relief (1-800-544-7211)

Sub: #3 posted on Thu, 04/17/2008 - 02:45


you could also try

Sub: #4 posted on Thu, 04/17/2008 - 16:43


I am also a customer of Town and Country. They do not offer settlements so you will be paying the full amount you owe. They been great people to work with over the phone. I think T&C charges you 10% of your total debt you have them manage for you.

Sub: #5 posted on Thu, 04/17/2008 - 22:08

Ryan_N Ryan_N

(Posts: 315 | Credits: 59.15)

RYAN N..does Town and Country try to cut % rates on CC's? What about medical do they handle that (if you know)? CA's? Please give your experiences..thanks.

Sub: #6 posted on Fri, 04/18/2008 - 06:24

sdchargers_63 sdchargers_63

(Posts: 1798 | Credits: 179.17)

I mainly used Town and Country for storefront pdl's. I had a few accounts in collections but no active credit cards at the time. I did see on their propsal they have a spot if the CC would reduce your interest %. I'm not sure what happeneds if the CC says no. I did have a couple of medical accounts that was in collections. I ended up paying 100% of the balance if that helps you out any. If I can help any more, ask me, I'll try to answer them.

Sub: #7 posted on Fri, 04/18/2008 - 17:31

Ryan_N Ryan_N

(Posts: 315 | Credits: 59.15)

Thanks. Did you just pay T&C , a certain amount of money and they paid all of the creditors you had on your 'list'? Do you have to have .." so-much debt" to qualify with them?

Sub: #8 posted on Fri, 04/18/2008 - 18:09

sdchargers_63 sdchargers_63

(Posts: 1798 | Credits: 179.17)

There is a certain amount I believe you must have to qualify with T&C but I do not remember what the amount is. What happens is if you should decide to have T&C manage your debts you pay them a retainer fee. I believe its $205 now but when I signed on it was $155. This fee is refundable once you complete their services. You give them a list of creditors and account numbers and they send out proposals once you pay your retainer fee. You should be able to reject a offer they may receive if it????????s not good enough. I do not know this for sure, when some companies counter offered the monthly payment they asked me if I can afford it or not. You pay them a monthly payment and then they pay your creditors a monthly payment. I think they charge 10% of your total debt for their fees.

Sub: #9 posted on Fri, 04/18/2008 - 19:01

Ryan_N Ryan_N

(Posts: 315 | Credits: 59.15)

Could someone PM Town and Country info to me? I've tried Googling, but don't seem to get any results for Town and Country. Is that their name?

Sub: #10 posted on Thu, 06/26/2008 - 16:38

Leslie Moore Leslie Moore

(Posts: 30 | Credits: 11.64)

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