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CREDITOR PHONE AND FAX NUMBERS BENEFITS PAYMENT TERMS

Actioncard/ Bank First 888-790-9926 800-839-5401 480-308-5151 Fax 0% Interes Red. Stop late charges with one payment Reage with 3 payments $10 or 3% Balance 10% chge off Reage 1 time in 12 months & 2 in 60 months

Advanta Bank Corp 800 533 3686 856 309 4091 Fax www.advanta.com Once the proposal is accepted they will drop the APR to 0%. 2.5% of the balance Proposal information must match information on account statement. Balance, name (s), ss#, etc.

American Express, Optima, Delta Sky Miles 800-237-8215 614-864-3310 Fax 614-751-8005 800-237 8215 800-635-5955 614-751-3700 ext 5031 *4 Nicole Once the proposal is accepted, the Interest rate will be reduce to 0%; however, the statement will still show the same APR, but once the client complete all 50 or 36 payments the creditor will refund the account for all the finance charges applied. Brining the account to a $0 balance. If the client miss more than 2 payments in a 12 month period, the account will be drop from the program. Accounts starting with: 378.. 3732.. 3726.. 3727.. Must divide the balance by 36 months, all other personal accounts must divide the balance by 50 months. 1- If the client has more than one account with this company he or she must include all the accounts in the program. 2-Business accounts or corporate accounts are not eligible for the program. 3- Lines of credit or any other account that is not a credit card is not eligible for the program.

Amoco (Associates Nat'l Bank) 800-299-5771 Ext 64233 Fax: 515-226-4948 The APR will be reduce to 12.99%, once the first payment is made the creditor will bring the account current and stop tha late charges. 2% of the balance or $10.00 for Gas cards and 1.5% for credit cards Associates handles: Amoco, Citgo, BP, Shell, Texaco, Verizon Visa, Washington Mutual credit card.

Amsouth Bank 205-560-7000 The APR will be reduce to 15%, Once the proposal is accepted the they will eliminate late charges and bring the account current after 3 consecutive payments. (if the account is past due) 2% of the balance They only allow the cardholder one time in the program

Aspire Visa Card 888-790-9926 800-314-0181 770-661-3285 Fax proposals. Fax :770-661-7738 The APR will be reduce to 18%, Once the proposal is accepted the they will eliminate late charges and bring the account current after the first payment. (if the account is past due) 2% of the balance 888-790-9926 800-322-2291

Associates Nat'l Bank (Del) Citibank 800-638-8129 x32498 972-653-3218 Fax 800-777-7524 888-709-4032 x8642 The APR will be reduce th 9.99%, once the first payment is made the creditor will bring the account current and stop tha late charges. (Old accts will be at 12.9%) 1/48 of the balance or $20.00 for Gas cards and 1.5% for credit cards Credit cards Only C20656 for accts starting with 5897.. (Capital Card).

AT&T Universal (Citibank) 800-333-5759 x35658 Stephanie Fax 505-797-6358 The APR will be reduce to 9.9%, the late and over limit charges will stop. If the client doesn’t make a payment in 45 days the account will be remove from the program. Divide the balance by 48 (Minimum payment $20).

Axsys Nat'l Bank 320-229-8004 CCCS 320-654-7650 Fax 612-271-1300 Rec. No Interes Red. Waive late fees Stop late charges 4% Balance

Banana Republic G.E. Card Services In Canton, OH 330-433-5300 800-934-3006 25% off from current APR. Stop late charges Reage with 3 payments 2.5% of the balance 12:00 to 1:00 pm & 1:30 pm to 4:30pm THEY HANDLE ACCOUNTS LIKE: JC PENNEY'S- MONTOGOMERY WARDS- WAL MART- EXXON- BANANA REPUBLIC- MOBIL- LOWES- HOME DEPOT- OLD NAVY - SAM'S CLUB- CASUAL CORNER AND MORE.

Bank First / Actioncard 800-839-6401 480-308-5151 Fax 0% Interes Red. Stop late charges with one payment Reage with 3 payments $10 or 3% Balance 10% chge off Reage 1 time in 12 months & 2 in 60 months

Bank of America 800-444-8430 757-533-7597 Fax 757-677-4874 Fax 757-533-7964 FSC 0% Interes Red, Stop late charges, Reage with 3 payments if acct. is not less than 30 days past due. 1% of the balance THE ACCOUNT MUST BE OPEN FOR AT LEAST NINE MONTHS M23104 for recovery.

Bank of America (LOANS) 888-282-4274 x2612 12% Interes Red. Stop late charges Reage with 1 payments 2% of the balance

Bank1 One G.E. Card Services In Danton, OH 937-534-8594 800-292-7508 937-534-3153 Fax -25% Interes Red. Stop late charges Reage with 3. payments 2% of the balance THEY HANDLE ACCOUNTS LIKE: BRANDSMART- BEST BUY- CITY FURNITURE- CIRCUIT CITY- LURIA'S- AND MORE.

Bank1One (First USA/ Credit Cards) 800-955-9030 302-985-7012 Fax 302-985-7013 Fax 302-985-1584 Chris Farrell Once the proposal is accepted, the interest will be reduce to 11 % . Late charges will stop with the first payment and they will bring the account current with the first payment 1.5% of the Balance CCCSInquiries@FirstUSA.com

Bealls / Stage / Palais Royal 941-747-2355 941-746-1171 Fax / 800-324-0324 / 800-364-2345 No interest reduction. Fees stopped after proposal and first payment 1/20th of the balance

Best Buy G.E. Card Services In Danton, OH 937-534-8594 800-292-7508 937-534-3153 Fax 17% Interes Red. Stop late charges. Reage with 3 payments 3% of the balance

Bloomingdale's/ FACS 513-573-2541 513-573-2952 Fax Once the proposal is accepted, he interest will be reduce to 8 % . Late charges will stop with the first payment and they will bring the account current with the first payment 2% of the balance FACS they handle accounts like:

1-Burdines

2-Pier 1 Imports

3-Bloomingdale's

4-Stern

5-Richs

6-Bon Marche

7-Goldsmiths

8-Lazarus

9-Macy's

starting with:

42.. 44.. 47.. 48..

448.. & 449..

BP Gas Card (Associates Nat'l Bank) 800-638-8129 x32498 972-653-3218 Fax 800-777-7524 888-709-4032 x8642 The APR will be reduce th 12.99%, once the first payment is made the creditor will bring the account current and stop tha late charges. 2% of the balance or $10.00 for Gas cards and 1.5% for credit cards Associates handles: Amoco, Citgo, BP, Shell, Texaco, Verizon Visa, Washington Mutual credit card.

Brandsmart/ G.E. Card Services In Danton, OH 937-534-8594 800-292-7508 937-534-3153 Fax 17% Interes Red. Stop late charges. Reage with 3 payments 3% of the balance THEY HANDLE ACCOUNTS LIKE: BRANDSMART- BEST BUY- CITY FURNITURE- CIRCUIT CITY- LURIA'S- AND MORE. PULL BLACK FOLDER FOR COMPLETE LIST

Burdines/FACS 513-573-2541 513-573-2952 Fax Once the proposal is accepted, the interest will be reduce to 8 % . Late charges will stop with the first payment and they will bring the account current with the first payment 2% of the balance FACS they handle accounts like:

1-Burdines

2-Pier 1 Imports

3-Bloomingdale's

4-Stern

5-Richs

6-Bon Marche

7-Goldsmiths

8-Lazarus

9-Macy's

starting with:

42.. 44.. 47.. 48..

448.. & 449..

Capital One 800-831-9178 Fax: 804-967-6970 Fax: 804-967-6968 800-258-9319 Recov. Once the proposal is accepted, the interest will be reduce to 15.9 % . Late and overlimit charges will stop with the third payment and they will bring the account current with the third payment 2.85% of the balance $30 minimum

Chase (Bank of NY) 888 242 7309 AGENCY CODE 0304 516-827-1666 CCCS # 0304 800-327-4442 813-889-7911 CCCS 813-880-6079 Fax 800-327-2282 Rec. 602-902-7195 Pymt Proc Dept. Once the proposal is accepted, the interest will be reduce to 7 % . Late and overlimit charges will stop with the first payment and they will bring the account current with the third payment 2% of the balance They will not accept DMPs if the account is not 9 months old, the name is not the primary account holder's, the client is enrolled with another DMP company, the debt to Chase exceeds 70% of the total indebtedness. EMERGENCY USE ONLY Need Help? Call and ask for the escalations department. Then ask for Mr. Steelle. He allowed CCMS to send a fax once to 516 934 3312

Chase/ Bankcard Serv. 888 242 7309 CCCS 813-880-6079 Fax 800-327-2282 Rec. 602-902-7195 Pymt Proc Dept. Once the proposal is accepted, the interest will be reduce to 7 % . Late and overlimit charges will stop with the first payment and they will bring the account current with the third payment 2% of the balance Accts starting with 767* are over draft lines of credit. NOT A CREDIT CARD. They want 65% of regular payment per month and APR will be 19.9% reage w/ 3 pymnts.

Chevron USA 925-827-7081 Once the proposal is accepted, the interest will be reduce to 0 % . Late and overlimit charges will stop with the first payment, but if the account is past due will remain past due. 3% of the balance

Circuit City G.E. Card Services In Danton, OH 937-534-8594 800-292-7508 937-534-3153 Fax 17% Interes Red. Stop late charges. Reage with 3 payments 3% of the balance THEY HANDLE ACCOUNTS LIKE: BRANDSMART- BEST BUY- CITY FURNITURE- CIRCUIT CITY- LURIA'S- AND MORE. PULL BLACK FOLDER FOR COMPLETE LIST

Citgo (Associates Nat'l Bank) 800-638-8129 x32498 972-653-3218 Fax 800-777-7524 888-709-4032 x8642 The APR will be reduce th 12.99%, once the first payment is made the creditor will bring the account current and stop tha late charges. 2% of the balance or $10.00 for Gas cards and 1.5% for credit cards Associates handles: Amoco, Citgo, BP, Shell, Texaco, Verizon Visa, Washington Mutual credit card.

Citibank 800-333-5759 x35658 Stephanie Fax 505-797-6358 The APR will be reduce to 9.9%, the late and over limit charges will stop. If the client doesn’t make a payment in 45 days the account will be remove from the program. Divide the balance by 48 (Minimum payment $20). Need to set up all accts on program (including AT&T accts)

Citibank (Mellon) 888-824-3752 Danya Reduction of the APR down to 12%. Late and over limit fees are waived. Divide the balance by 48 (Minimum payment $20).

Citibank Travelers 888-824-3752 x35405 Lisa Thompson The APR will be reduce to 9.9%, the late and over limit charges will stop. If the client doesn’t make a payment in 45 days the account will be remove from the program. Divide the balance by 48 (Minimum payment $20). Need to set up all accts on program (including AT&T accts)

City Furniture G.E. Card Services In Danton, OH 937-534-8594 800-292-7508 937-534-3153 Fax The APR will be reduce to 17%, the late and over limit charges will stop. If the account is past due they will bring the account current with the third payment 3% Balance THEY HANDLE ACCOUNTS LIKE: BRANDSMART- BEST BUY- CITY FURNITURE- CIRCUIT CITY- LURIA'S- AND MORE. PULL BLACK FOLDER FOR COMPLETE LIST

COMPUSA/ HRS USA 800-220-8588 302-327-2807 Fax The APR will be reduce to 9%, the late and over limit charges will stop. If the account is past due they will bring the account current with the third payment 2% Balance

Conseco (Wells Fargo) 888-851-7524 11.9% Interes Red.Stop late charges They don't reage 3% Balance

Credit First N.A. 877-888-0844 CCCS 216-362-5595 Fax 0% Interes Red. Stop late charges Reage with 3 payments 1/36 Balance

Cross Country (Boca Raton, Fl ) 561-982-9111 800-696-4024 8am - 4pm 800-225-5030 23-26% or lower Interest. ALL fees are stopped and the account is reaged after the third payment. 4% of the balance, but not less than $35.00 Fax 304-528-2579 /Fax 561-994-2291/ 561-994-9829 Fax

Cross Country (Wilmington DE) 800-696-4024 800-225-5030 304-528-2579 Fax 23-26% or lower Interest. ALL fees are stopped and the account is reaged after the third payment. 4% of the balance, but not less than $35.00 304-528-2579 Fax 561-994-2291 Fax

Dell Financial Services N/A They do not work with ANY debt management programs DO NOT ADD TO CLIENT'S PROGRAM N/A

Delta Sky Miles, Optima, American Express, 614-864-3310 Fax 614-751-8005 800-237 8215 800-635-5955 Once the proposal is accepted, the Interest rate will be reduce to 0%; however, the statement will still show the same APR, but once the client complete all 50 or 36 payments the creditor will refund the account for all the finance charges applied. Brining the account to a $0 balance. If the client miss more than 2 payments in a 12 month period, the account will be drop from the program. Accounts starting with: 378.. 3732.. 3726.. 3727.. Must divide the balance by 36 months, all other personal accounts must divide the balance by 50 months. 1- If the client has more than one account with this company he or she must include all the accounts in the program. 2-Business accounts or corporate accounts are not eligible for the program. 3- Lines of credit or any other account that is not a credit card is not eligible for the program.

Dillards Nat'l Bank 800-451-8612 800-375-0060 8% Interes Red. Stop late charges. Reage with 1 payments Divide the balance by 48

Direct Merchants Bank 800-379-7999 800-633-9956 480-375-4523 Fax prop. 5.9% Interes Red. Stop late charges Reage with 3 payments 2% of the balance DebtManagement@metriscompanies.com They will only allow a client in the program 1 time in one year and 2 times in five years.

Discover 614-850-5040 CCCS 800-347-0267 Hardship 800-347-5543 APR will be reduce from anywhere from 12.99% to 17.99%. Late charges will stop and the account will be current after 3 consecutive payments Divide the balance by 50 They will only allow a client in the program 1 time in one year and 2 times in five years.

Discover Financial Services 800-865-4717 ext 5850 Jodi Fax Proposals: 605-371-5936 APR does not change. Account will reage after 3 payments (adds number of months past due to length of loan). 90% of normal payment The loan must be at least nine months old before starting program.

Emerge 800-314-0181 866 705 3603 888 790 9926 770 661 3285 fax 770-206-6362 fax APR will be reduce to 9.9% for new clients only. If a client is coming back and has defaulted the program before the APR will be 18%.

Reage with first payment. 2% of the balance (min. $10.00) .

Accounts under $200.00 balance will not be accepted. Once proposal is received, will not be process until the next closing date.

Client must cancel all insurance and acurring charges (i.e. aol).

Account must not have purchases whithin the last 30 days.

Express/ WFNNB 800-695-0978 614-729-5328 6% Interes Red. Stop late charges. Reage with 1 payments 3% of the balance

FCNB Spiegel, New port news/ 503-520-8500 503-520-8077 503-641-2592 Fax 8% Interes Red. Stop late charges. Reage with 3 payments 3% or $15 Balance 800-876-3262

Fifth Third Bank 616-653-7573 Tonya 616-653-9020 Fax proposals The interest rate remains the same. The account will be current after the first payment. Stop late and over limit fees 2% of the balance for credit cards and for Loans the payment stays the same.

Figi's Inc. 715-384-1376 CCCS 715-384-1208 Fax 0% Interes Red. Stop late charges. NO Reage 3% of the balance

Fingerhut 320 229 8004 FACS 513-573-2952 FAX 320-259-2542 CCCS 612-271-1300 Recovery NO% Interes Red. Stop late charges. NO Reage 4% of the balance 4/17/2002 FACS ACCOUNT

First Card (First USA) 800-955-9030 301-620-3795 Fax 302-985-7013 Fax 302-985-1584 Chris Farrell Once the proposal is accepted, the interest will be reduce to 11 % . Late charges will stop with the first payment and they will bring the account current with the first payment 1.5% of the Balance CCCSInquiries@FirstUSA.com

First National Bank of Omaha 800-378-0093 0% Interes Reduction. Fees are waived. Reage account after 3 ontime payments 3% of the balance or $20.00

First National Credit Card 605-665-4181 Fax 605-668-5335 9.9% Interes Reduction. Need 3 contractual payments. 2% of the balance Bill 5% FSC

First North American Nat'l Bank 888-527-4001 800-477-6761 804-418-6690 Fax Once the proposal is accepted the APR will go down to 10%. Stop late charges and reage only once in a lifetime 3% of the balance

First Premier 800-987-5521 FAX 605 357 3438 NO% Interes Red. Stop late charges. NO Reage 2% of the Balance or $20.00

First Select (collection agency) 800-648-7807 502-357-3390 Fax NO TERMS BECAUSE IS A COLLECTION AGENCY. NO TERMS BECAUSE IS A COLLECTION AGENCY. NO TERMS BECAUSE IS A COLLECTION AGENCY.

First USA 800-955-9030 302-985-7012 Fax 302-985-7013 Fax 302-985-1584 Chris Farrell Once the proposal is accepted, the interest will be reduce to 11 % . Late charges will stop with the first payment and they will bring the account current with the first payment 1.5% of the Balance CCCSInquiries@FirstUSA.com

Firstart (Elan & Mercantile Bank) 800-755-4080 Exts.2188 & 2189 314-835-2306 Fax 10% Interes Red. Fees are waived. Reage after 3 payments 2% of the Balance

Fleet 800-728-8814 CCCS 800-243-4599 CCCS 800-544-2028 9.9% Interes Reduction. Stop late charges Reage with 1 payments 2% of Balance 800-339-8334 Collections 215-444-6688 Fax

Franklin Bank 8002382760 Cust. Serv 800-927-2728 CCCS & Collections 9.9% Interes Reduction. Late fees will continue if payments are missed.Reage with 1 payment 2% of Balance

G.E. Capital Financial Inc. 800-828-9692 888-588-6914 NO% Interes Reduction. Stop late charges. Reage with 3 payments 2% of Balance They want a payment every 30 days

G.E. Card Services In Canton, OH 888-607-2423 or 330-433-5300 800-934-3006 Old Montogomery accts. 12:00 to 1:00 pm & 1:30 pm to 4:30pm 25% Int. Red. Stop fees after 1 payment. Reage with 3 payments 2.5% of the Balance JC PENNEY'S, MONTGOMERY WARDS, WAL MART, EXXON, BANANA REPUBLIC, MOBIL, LOWES, HOME DEPOT, OLD NAVY, SAM'S CLUB AND CASUAL CORNER.

G.E. Card Services In Danton, OH 937-534-8594 800-292-7508 937-534-3153 Fax 17% Interes Red. Stop late charges. Reage with 3 payments 3% of the Balance BRANDSMART, BEST BUY, CITY FURNITURE AND CIRCUIT CITY

Gateway/ Hurley State Bank which is Citibank 800-767-7720 CCCS 423-477-6726 Fax 800-767-9809 8% Interes Red. Stop late charges. Reage with 3 payments 3% Balance or $10 Account must be open of at least 9 months C20756= 6011769.. Ending on even # C22325= 6011769.. Ending on odd #

Good Year/ Hurley State Bank which is Citibank 800-767-9809 800-767-0291 8% Interes Red. Stop late charges. Reage with 1 payments 3% of the Balance

Harris Bank 800-274-4491 800--445-4631 12% Interes Reduction. Stop late charges. Reage with 1 payments 1.5% of the balance

Hecht's / Strawbridges 910-864-1550 Variable Interest Reduction (typically reduced to 10%). No Reage! 5% of the balance

Home Depot G.E. Card Services In Canton, OH 330-433-5300 800-934-3006 25% off from current APR Stop late charges. Reage with 3 payments 2.5% of the Balance 12:00 to 1:00 pm & 1:30 pm to 4:30pm THEY HANDLE ACCOUNTS LIKE: JC PENNEY'S- MONTOGOMERY WARS- WAL MART- EXXON- BANANA REPUBLIC- MOBIL- LOWES- HOME DEPOT- OLD NAVY - SAM'S CLUB- CASUAL CORNER AND MORE. PULL BLACK FOLDER FOR COMPLETE LIST

Household & Beneficial Finance Corp. 800-636-8012 From 2-4 pm EST 6% Int. Red. Payments must be made on time Reage with 1rst payments they don't change due dates 75% to 100% of the standard payment Unsecured Loans Only

Household Bank/ Household Credit/ Orchard Bank/ GM Card/ 800-328-1249 800-320-9893 877-804-7502 X. 4600 605-782-6040 Fax 9% Int. Red. Stop late charges. Reage with 3 payments 2% Balance Note: All proposals go to same place the only difference is the payment address HOUSE HOLD BANK or HOUSEHOLD CREDIT

Only credit cards

Credit Cards starting with: 4291-84../ 4291-85../ 4314-68../ 4405-60../ 4405-61../ 4777-67../ 5490-66../4130-28../ 4217-94../ 4247-35../ 4269-44../ 4291-37../ 4291-38../ 4733-44../ 4756-98../ 5120-25../ 5120-26../ 5120-27../ 5314-80../ 5413-36../ 5440-45../ 5488-97../ 5489-55../

HRS USA 800 882 9700 Ext 76993 612-307-6403 0% Interes Red. Stop late charges. Reage with 1 payments 2.75% of the Balance. Charges within 45 days must do 5% of the balance. Do not fax propls. Dropped if miss two pmts.

Hudson's/ Retailer Nat'l Bank 800-220-8588 302-327-2807 Fax 9% Interes Red. Stop late charges. Reage with 3 payments 2% Balance ROOMS TO GO

SOUND ADVICE

LEVITZ

COMPUSA

Hurley State Bank/ Gateway (Luria's, Gordons) Own by Citibank 800-736-7107 800-767-7720 CCCS 800-767-9809 12.99% Interes Red. Stop late charges. Reage with 3 payments 3% Balance or $20 C20756= 6011769.. Ending on even # C22325= 6011769.. Ending on odd # Acct. must open for nine months 888-658-5349

Incredible Universe 800-767-9809 888-658-5349 8% Interes Red. Stop late charges. Reage with 1 payments 1.5% Balance

Independent Savings 800-345-4772 14.75 to 17.88 % Interes Red. Stop late charges. Reage with 1 payments 2% Balance

JC Penney's G.E. Card Services In Canton, OH 888-280-8325 CCCS 330-433-5603 Fax 888-964-0096 Recov. 800-527-2240 25% Reduction of APR. Stop late charges. Reage with 1 payments 3% of the balance 12:00 to 1:00 pm & 1:30 pm to 4:30pm

Jewelers Nat'l Bank 480-829-5810 757-539-8793 Will reduce interes. Stop late charges.Reage with 2 payments 2.5% or 3% Balance

Lane Bryant/ WFNNB 800-695-0978 614-729-5328 6% Interes Red. Stop late charges. Reage with 1 payments 3% Balance

Lerner/ WFNNB 800 882 9700 Ext 76993 800 727 3990 Ext 76403 888-480-1614 Pin 2233444 612-307-6403 6% Interes Red. Stop late charges. Reage with 1 payments 3% Balance

Levitz/ HRS USA 800-220-8588 302-327-2807 Fax 9% Interes Red. Stop late charges. Reage with 3 payments 2% Balance ROOMS TO GO

SOUND ADVICE

LEVITZ

COMPUSA

Limited/ WFNNB 800-695-0978 614-729-5328 6% Interes Red. Stop late charges. Reage with 1 payments 3% Balance

Lord & Taylor 800-501-6618 0% Interes Red. Stop late charges. Reage with 1 payments 3% Balance

Lowes/ G.E. Card Services In Canton, OH 330-433-5300 800-934-3006 25% off from current APR Stop late charges. Reage with 3 payments 2.5% Balance 12:00 to 1:00 pm & 1:30 pm to 4:30pm THEY HANDLE ACCOUNTS LIKE: JC PENNEY'S- MONTOGOMERY WARS- WAL MART- EXXON- BANANA REPUBLIC- MOBIL- LOWES- HOME DEPOT- OLD NAVY - SAM'S CLUB- CASUAL CORNER AND MORE. PULL BLACK FOLDER FOR COMPLETE LIST

Macy's/ FACS 513-573-2541 513-573-2952 Fax 8% Interes Red. Stop late charges Reage with 1. payments 2% Balance FACS they handle accounts like:

1-Burdines

2-Pier 1 Imports

3-Bloomingdale's

4-Stern

5-Richs

6-Bon Marche

7-Goldsmiths

8-Lazarus

9-Macy's

starting with:

42.. 44.. 47.. 48..

448.. & 449..

Macy's/ GECC 800-964-6229 From 8:30 AM to 3:00PM From Monday to Thursday

Marshall Fields' / Retailer Nat'l Bank 800 727 3990 Ext 76403 888-480-1614 Pin 2233444 612-307-6403 8% Interes Reduction after Sept. 10, 2002 (Old accounts will remain at 0%). Stop late charges. Accts will not be reage. 2.75% of the Balance. Charges within 45 days must do 5% of the balance. Do not fax propls. Dropped if miss two pmts.

MBNA/ First Union/ Suntrust/ The triple A card (AAA) 800-206-9724 888-800-5420 877-499-3075 Inqrs. 800-421-2110 Will reduce interest 15.9% or the same Stop late charges. Reage with 1 payments MUST GET PROOF OF INCOME 2.25% Balance. Accts starting with 749* those are lines of credit, and they require payments of 1.75% of the balance. 800-892-8349 Loans

Medcash/ Hurley State Bank. Now Citibank 800-767-7720 CCCS 423-477-6726 Fax 800-767-9809 8% Interes Red. Stop late charges. Reage with 3 payments 1.5% Balance or $10 3% Gordon's 888-658-5349

Merrick Bank 877-487-5620 800-657-1341 12% Interes Red. Stop late charges. Reage with 1 payments 3% Balance Danna Brady

Mervyn's/ Retailers Nat'l Bank. Also Target 888-480-1614 Pin# 2233444 for Blncs or 612-307-6403 8% Interes Reduction after Sept. 10, 2002 (Old accounts will remain at 0%). Stop late charges. Accts will not be reage. 3% Balance

Mobil/ Exxon G.E. Card Services In Canton, OH 330-433-5300 25% Int. Red. Stop fees after 1 payment. Reage with 3 payments 2.5% of the balance 12:00 to 1:00 pm & 1:30 pm to 4:30pm

Montgomery Wards G.E. Card Services In Canton, OH 330-433-5300 800-934-3006 25% APR reduction. Stop late charges. Reage with 3 payments 2.5% of the balance 12:00 to 1:00 pm & 1:30 pm to 4:30pm

National Tire & Battery 888-867-5658 12.99% Interes Red. Payments must be made on time. Reage with 3 payments 2% Balance

Next Card 800-465-2970 CCCS 678-533-6119 Fax 12.81% Interes Red. Stop late charges. Reage with 3 payments 3% Balance

Optima, American Express, Delta Sky Miles 614-864-3310 Fax 614-751-8005 800-237 8215 800-635-5955 Once the proposal is accepted, the Interest rate will be reduce to 0%; however, the statement will still show the same APR, but once the client complete all 50 or 36 payments the creditor will refund the account for all the finance charges applied. Brining the account to a $0 balance. If the client miss more than 2 payments in a 12 month period, the account will be drop from the program. Accounts starting with: 378.. 3732.. 3726.. 3727.. Must divide the balance by 36 months, all other personal accounts must divide the balance by 50 months. 1- If the client has more than one account with this company he or she must include all the accounts in the program. 2-Business accounts or corporate accounts are not eligible for the program. 3- Lines of credit or any other account that is not a credit card is not eligible for the program.

Partners First/ Wachovia. Now First USA 888-222-4886 ex2400 800-241-1840 ex 5030 12% Interes Red. Stop late charges. Reage with 1 payments 2% Balance Credit Cards only

Peoples Bank 800-345-0207 ext.6003 800-426-1114 Fax203 338 5823 13.9% Interes Red. Stop late charges. Reage with 2 payments 2% Balance

Pier 1 Imports/ FACS 513-573-2541 513-573-2952 Fax 8% Interes Red. Stop late charges Reage with 1. payments 2% Balance FACS they handle accounts like:

1-Burdines

2-Pier 1 Imports

3-Bloomingdale's

4-Stern

5-Richs

6-Bon Marche

7-Goldsmiths

8-Lazarus

9-Macy's

starting with:

42.. 44.. 47.. 48..

448.. & 449..

Providian Nat'l Bank Call 888-296-3607. After entering the client's account number and last four of ss#, hold through the automated information and after the list of options, press the # key two times. 800-356-0011 925-225-1345 Fax 8% If account has not been on DMP before 12-01-02. Will reduce 4 points from current APR but not less than 9.9%, will stop late charges and reage with 3 payment 2% Balance or $30 Send propls w/ budget. 800-964-6000 WARNING: PAYMENT AMOUNT MUST BE MORE THAN FINANCE CHARGES.

Radio Shack (Hurley State Bank). Now Citibank 800-767-4556 800-736-7107 800-767-7720 CCCS CCCS 423-477-6726 Fax 8% Interes Red. Stop late charges. Reage with 1 payments 3% Balance or $15 Acct. must be open for nine months. 800-767-9809 Chrg off

Richmond State Bank 800-800-2143 605-338-4237 Fax prop. NO Interes Red. Stop late charges. 5% Balance

Rooms to Go/ HRS USA 800 882 9700 Ext 76993 800 727 3990 Ext 76403 888-480-1614 Pin 2233444 612-307-6403 9% Interes Red. Stop late charges. Reage with 3 payments 2% Balance ROOMS TO GO

SOUND ADVICE

LEVITZ

COMPUSA

Sam's Club G.E. Card Services In Canton, OH 800-934-3006 330-433-5300 25% APR reduction. Stop late charges. Reage with 3 payments 2.5% of the balance 12:00 to 1:00 pm & 1:30 pm to 4:30pm THEY HANDLE ACCOUNTS LIKE: JC PENNEY'S- MONTOGOMERY WARS- WAL MART- EXXON- BANANA REPUBLIC- MOBIL- LOWES- HOME DEPOT- OLD NAVY - SAM'S CLUB- CASUAL CORNER AND MORE. PULL BLACK FOLDER FOR COMPLETE LIST

Sears 800-927-7697 800-669-8415 800-413-1657 Legal Dept. NO Interes Red. DO NOT STOP FEES OR REAGE. Client will need to bring account current. 2% Banlance Office ID: 08217

Service Merchandise WFNNB 800-695-0978 6% Interes Red. Stop late charges. Reage with 3 payments 2% Banlance

Seventh Ave. 608-324-7077 0% Interes Red. Stop late charges. Reage with 1 payments 3% Banlance

Shell/ The Associates 800-638-8129 x32498 972-653-3218 Fax 800-777-7524 888-709-4032 x8642 The APR will be reduce th 12.99%, once the first payment is made the creditor will bring the account current and stop tha late charges. 2% of the balance or $10.00 for Gas cards and 1.5% for credit cards Associates handles: Amoco, Citgo, BP, Shell, Texaco, Verizon Visa, Washington Mutual credit card.

Sound Advice/ HRS USA 800-220-8588 302-327-2807 Fax 9% Interes Red. Stop late charges. Reage with 3 payments 2% Balance ROOMS TO GO

SOUND ADVICE

LEVITZ

COMPUSA

Spiegel/ New port news/ FCNB 503-520-8500 503-520-8077 503-641-2592 Fax 8% Interes Red. Stop late charges. Reage with 1 payments 3% or $15 Balance 800-876-3262

Stern/FACS 513-573-2541 513-573-2952 Fax 8% Interes Red. Stop late charges Reage with 1. payments 2% Balance FACS they handle accounts like:

1-Burdines

2-Pier 1 Imports

3-Bloomingdale's

4-Stern

5-Richs

6-Bon Marche

7-Goldsmiths

8-Lazarus

9-Macy's

starting with:

42.. 44.. 47.. 48..

448.. & 449..

Suntrust Bank (MBNA BANK) 800-447-3753 ex. 7212 Mrs McFarland 15.9% Interes Red. Stop late charges. Reage with 1. payments 2.25% Balance

Target/ Retailer Nat'l Bank 800 727 3990 Ext 76403 888-480-1614 Pin 2233444 612 307 7807 Fax 612-307-6403 8% Interes Reduction after Sept. 10, 2002 (Old accounts will remaing at 0%). Stop late charges. Accts will not be reage. 2.75% of the Balance. Charges within 45 days must do 5% of the balance. Do not fax propls. Dropped if miss two pmts.

Target/ VISA Retailer Nat'l Bank 866 474 4680 Ext 78977 888-480-1614 Pin 2233444 612-307-6404 8% Interes Red. Stop late charges. Acct will not be reage. 1.5% of the Balance Do not fax propls. Dropped if miss two pmts.

Texaco/ The Associates 800-638-8129 x32498 972-653-3218 Fax 800-777-7524 888-709-4032 x8642 The APR will be reduce th 12.99%, once the first payment is made the creditor will bring the account current and stop tha late charges. 2% of the balance or $10.00 for Gas cards and 1.5% for credit cards Associates handles: Amoco, Citgo, BP, Shell, Texaco, Verizon Visa, Washington Mutual credit card.

Transamerica Bank 800-423-9819 800-800-3123 NO Interes Red. Stop late charges. Reage with 3 payments 3% Balance

Uptons 877-252-6055 0% Interes Red. Stop late charges Reage with 3 payments 3% Balance Accounts must start with: 859001..

US bank 800-247-4503 888-852-5786 Reduce APR to 10% or lower. Stop late charges. Reage with 3 payments 2% Balance

USAA Federal Savings Bank 800-331-2454 800-922-9092 800-531-2265 12% Interes Red. Stop late charges. Reage with 3 payments $15 or 2% Balance 800-531-7741

Verizon Visa or Master Card (Issue by Associates Nat'l Bank) 800-638-8129 x32498 972-653-3218 Fax 800-777-7524 888-709-4032 x8642 The APR will be reduce th 12.99%, once the first payment is made the creditor will bring the account current and stop tha late charges. 2% of the balance or $10.00 for Gas cards and 1.5% for credit cards Credit cards Only C20656 for accts starting with 5897.. (Capital Card).

Victoria's Secret/ WFNNB 866-807-9842 800-695-0978 OLD 614-729-5328 6% Interes Red. Stop late charges. Reage with 1 payments 3% Balance

Wachovia (First USA) 800-955-9030 302-985-7012 Fax 302-985-7013 Fax 302-985-1584 Chris Farrell 11 % Int. Red. Stop late charges w/ 1 payment and reage with 3 payments 1.5% Balance CAREFUL W/ FIN. CHGRS CCCSInquiries@FirstUSA.com

Wal-Mart G.E. Card Services In Canton, OH 888-607-2423 or 330-433-5300 800-934-3006 Old Montogomery accts. 25% Int. Red. Stop fees after 1 payment. Reage with 3 payments 2.5% Balance 12:00 to 1:00 pm & 1:30 pm to 4:30pm THEY HANDLE ACCOUNTS LIKE: JC PENNEY'S- MONTOGOMERY WARS- WAL MART- EXXON- BANANA REPUBLIC- MOBIL- LOWES- HOME DEPOT- OLD NAVY - SAM'S CLUB- CASUAL CORNER AND MORE. PULL BLACK FOLDER FOR COMPLETE LIST

Washington Mutual, Visa or Master Card/ Issue by Associates Nat'l Bank 800-638-8129 x32498 972-653-3218 Fax 800-777-7524 888-709-4032 x8642 The APR will be reduce th 12.99%, once the first payment is made the creditor will bring the account current and stop tha late charges. 2% of the balance or $10.00 for Gas cards and 1.5% for credit cards Credit cards Only C20656 for accts starting with 5897.. (Capital Card).

Wells Fargo Check address With unsecured loans credit counseling agencies must wait until they receive the response to their proposal. Benefits are base on the age of the account and the payment history. 75% of the standard payment for loans.

Wells Fargo Financial Bank On statement 11.9% Interes Red. Stop late charges. They don't reage 3% Balance Creditcards Only

World Financial Network National Bank 800-695-0978 614-729-5328 MUST SET UP ALL ACCTS ON PROG 6% Interes Red Stop late charges reage with one payment 2% Balance Lane Bryant, Roamans, Lerner, Express, The Limited, King Size, Chadwicks, Victoria Secret, Structure, Henri Bendel, Abercrombie & Fitch, Sue Brett, etc..

Zale's/ Hurley State Bank 800-736-7107 605-336-5799 Fax 8% Interes Red. Stop late charges. Reage with 3 payments 3% Balance

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hi,

I love all this information sis has provided, but I was wondering where does she get it all....I mean finding it is the whole thrill and accomplishment

also, I noticed that conseco is owned by wells fargo (ugggggggggg!!!!) I will have to tell my dad about that one

also, does anybody, sis, anybody have any information about wells fargo accounts, any info, especially student loan and credit card accouts

ok, thanks

jewel

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"Once the proposal is accepted" --- Should I send a proposal with the terms you listed or should I just ask for the account to be re-aged and expect to be offered terms like this? Is there a sample letter for this?

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i'm with a cccs and ive been current for like almost a year now but i want out even though they have held up their end of the bargain. can i do this to get lates removed???

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:shock:

were did this post get dug up from? Yikes.

Keep in mind this info is from 2003. It may or may not still be valid...

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