Langhorne Debt Solutions - Does anybody have any info about them?

Langhorne debt solutions llc is a settlement company that deals solely with internet payday loans. The owner of langhorne debt solutions used to be or maybe still is a member here, I believe. I know that kscornell has used them and hopefully she will be here later and can share her experiences with them. From my understanding you save up money in a savings account and when there is enough there, they negotiate to pay off the loans. You can do a search on here and see what everyone has to say about them and hopefully kscornell will see this and give you her input. :)

thanks Sass...I appreciate the information. I'm curious if langhorne debt solutions can help me out.

Also, I did a search on the BBB website, it says langhorne debt solutions are not a BBB member. Just an FYI.

If you do a search for Marcia Brady's Lovechile, you can find the posts that an employee of Langhorn Law made here.

http://www.debtconsolidationcare.com/pub/about15637.html

That thread has a bit about their past and what they are doing now . . . .

thanks goudah...that's interesting. I wonder why 1800899cash.com is having the payee listed as "Langhorne Law" - obviously I don't have a contract or anything.

Odd.

I just joined last week and they have a very good idea and I understand that one of the fine people that works there posts on this site.
I have a payment plan to them worked out and am
currently waiting on them to call each one of my pad day loan people as I now have 8!
It is such a relief.

So when you join how long does it take for them to contact your payday loans?
Thanks
Cindy

I am asking Langhorne about that through the e-mail.
The phone number is 866-529-0217.
I was told to close my checking accounts.Make sure that my savings accounts accepted ACH withdrawals as this is how they deduct the money from you
I was also told to be prepared for harrasing phone calls in the beginning.So far CTC has sent an e-mail this Monday to my human resouces department.
On the 27th of July was my first payment to Langhorne.

HI Sparky
So joining up with langhorne debt solutions did not stop them from calling?
Thanks
Cindy

I would guess, cynthia, that the pdl's haven't been fully notified to deal only with Langhorne - probably because any correspondence hasn't gotten in the right hands.

That's just a guess though. I'm going to call them this afternoon and see what happens. I have spoken to T & C Acceptance and have my contract in hand - right now I'm just trying to decide which path is the correct path.

Yes,on the harrasing phone call.Langhorne has not notified any of my pdls yet.They just got the money they need to get started posted yesterday to my account.Have any of you went to the Bud Hibbs site.
Wow! he has a huge list of pdls and what scare tactic they try and the verbal abuse that is used.The threats made on family members and threats used to take their homes or call the sheriff.You all really need to check it out!!

I have contacted Langhorne also and thought that they would take the calls as soon as they got payment. I need to decide what I'm going to do. I already got 2 Paid in full. I have not defaulted yet on any of my laons so calls have not started i just don't know how bad they will be. I can't sit here and get calls all day long at work.
Thanks
Cindy

cynthia,

The calls from PDL collectors are non-stop, all day long. The Cease and Desist letters that I have sent out have been completely ignored by these people. Well, I shouldn't say completely ignored - a few have agreed not to call me at work.

I just spoke to langhorne debt solutions and the Account Executive was very helpful and nice. He seems to be confident that they can help me. The only problem is my payments will be ~$300 or so for the next 12 months, but that's way better than paying $2000 a month in fees!

I'm still in limbo as far as where to turn for my debt solution. Town and Country or langhorne debt solutions?

I think the biggest difference between T&C and Langhorn is that T&C is a debt consolidation company, meaning they will make payments every month on your debts, and Langhorn is a debt settlement company, meaning they will wait until you have a good chunk of money saved, then they will negotiate settlements with the pdl's.

Cindy - If you do decide to go with a company, any time a pdl calls just tell them to call Company X and give them the phone number. Then hang up.

Tukk - I think that's a decision you have to make for yourself. I've heard good things about both companies, and some bad things. But a lot of that can be chalked up to people sometimes having unrealistic expectations about what will happen.

Do you have any other debt besides the pdl's? If so, I know that T&C also consolidates other kinds of debt too, so that may be a reason to go with them. But Langhorn is also a good choice, as they know exactly how to deal with these companies to get what they want.

Thanks, I think I'm going to go wit langhorne. What is a Quick message? I got a e-mail saying I had one and have no clue where it would be. Qoudah, Tukkitrock and carr you have been so helpful thanks so much.

Good call goudah, also T&C will deal with ALL of my debt rather than just the PDL's, which will be of much more benefit (to me that is) than Langhorne. That's what Langhorne is - a Payday Loan Settlement Company. That's why I think I'm going to go with T&C.

I just have to get some things straightened out with them before I can sign on the dotted line.

Whoa - looks like you took what I was thinking and posted it before I could goudah! Great minds do think alike, huh? :D

:D Absolutly Tukk!

Cindy - Quick Message or Private Message? If it's a Quick Message, look to the right of the screen under the search box. There should be a link that says "My Page". You can go there to read any Quick Messages. If it's a Private Message, you would click on the link that says "You have 1 new message" in the same area.

goudah
when I click on my page it takes me to a search engine. Weird huh?

Cindy, I think that since you are such a new member your "page" isn't up yet . . . . Because normally you can go to anyones page, but I can't get to yours.

I also just sent you a Quick Message to test things out.

I would PM Mike about the problem.

ok Thanks Goudah I will.

I have been with T&C now for almost 4 months now and they been a good company. If you include your other debts with T&C, just be careful they charge you 10% per year of your total balance with them. I sort of wished I did not include my collections accounts as the amount owed was not reduced in anyway. I could have handled those collection accounts on my own (and maybe settle at a lower amount) and put my pdl with T&C. Other than that, the reps are good to work with but the hold time to talk to one is rather long.

Have they called your referances? That's what I most scared of. My sister would flip. Out of the 7 I have 2 PIF and 2 working out a payment plan. I'm so afraid of Cash2day4u though. I can't understand the guy who calls me now I can't imagine the collectors..
Thanks
Cindy

cynthia, I personally haven't had any of my pdl's call my references. I told my references to maybe expect phone calls, just to give them a heads up on what's going on. But none of them called them. They just called and emailed me. And Cash Today will probably just hound you. And your work place. Unfortunately. :cry:

Ok Great. Tomorrow is when they will go into default. So I will be expecting call's. I did sign up for langhorne and Monday will be the first payment date so hopefully they won't be to bad on Thursday and Friday.
Thanks
Cindy

It might even a while before they even start calling you. Some of these pdl's, it takes them a few weeks of not getting their payments before it dawns on them that something is not right! LOL! So you'll probably be good next week. Give them time though! And, if you're working with Langehorne, I'm sure - if they do trap you on the phone - you can tell them to contact Langhorne. Right? You'll be fine. If you get any nasty calls, just be sure and post! We can share our telephone stories! :D

yes I will. cash4u2day or whatever there name is this week keeps calling to see if I want an extension. They call a couple times a day already. I keep just saying what I can't understand you. The lady sitting next to me is cracking up. She know's what's going on and has got a call or 2 from him. Anyway, thanks for all your help. Atleast I got rid of some of them before I went to langhorne. Now I'm working with my credit cards also from this site and have 2 of them cut the interest rates in half. And also got my full paper paycheck ready to go into the bank sitting here on my desk. OH Happy Day!!!

cynthia, YAY! :D You're so going in the right direction! I'm glad we are all able to help you! And to have a paycheck that is YOURS! I'm soooo happy for you!

I know I am so happy but just got a wierd call from cash4u2day look at my other post. It was the wierdest call I have ever got like total silence for a whole minute.

cynthia- I read where you got your cc interest cut in half, good going!! After you pay on them a while, call them back and see if they will completely drop the interest, they did for me. I told them I wanted to completely paid off, and they did..Good Luck..KAren

Bossey thanks. I will call them back in a few months. I was really shocked how easy it was. I just called them and puff Interest cut in half. I'm saving over $45.00 on each a month.
Thanks
Cindy

You are welcome Cindy! I have told others to call, and if one person says no, keep calling every day, sooner or later you will get a nice one that will do it!!..Best of luck in your others'..Karen :D

I wish I could get my American General Loan Interest cut. IT's so high I think 24%.
Thanks Again
Cindy

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Payday loans places need to be shut down. I just got with Langhorne debt solutions. These payday loans are doing everything that Langhorne said that they will do. I have a total of 20 loans. These loans was taking all of my money. I will pay some off and had to get another to pay my monthly bills. I will never get another loan. They are definitely a trap. I have done research about people and payday loans. So many people had to filed bankruptcy because of these places. I did not want to file bankruptcy but I did not know what to do. I am so happy that I came across Langhorne. Now I am paying Langhorne $700.00 instead of paying $4,000.00 a month for payday loans. These payday loans places are a trip. My loans was not in default. I call these places to try to work something out with them. No one will work with me. Now that my loans are in default and I have hired Langhorne they calling me to make arrangements. These people are ruled. I get ruled back with them. They say we are going to send your information to collections. I said please do. Mypayday loan with call, e-mail and text you. One girl slip up and said that she will have to give my account to the manager. They are not even the managers. They hell with those places. I was so stressed out. My bank account never been overdrawn. The month of June was a bad month for me. My bank account was over drawn by 1,000.00. This is when I said this is enough. I was trying to get myself out of this debt, but I was getting deeper in debt. I am going to let Langhorne work on my behalf. I have a peace of mind and have money. I am able to pay my monthly bills on time and not worry how I am going to pay my rent. They are going to tell you that they do not work with Langhorne. I tell them that I am going to pay them, but it will only be through Langhorne. I tell them if they do not work with Langhorne they need to send my account to collections because the only way they are going to get their money will be through Langhorne.

I'm glad to hear you are taking control back! Good luck, and keep us updated on your progress!

I was just wondering who this Town and Country company is, I have heard of Langhorn and they seemed like a great company, but you said Town and Country make monthly payments, wouldn't that be faster and keep them at bay ?

Google T&C on this site and read up on the posts. You'll also get contact information for them. I doesn't hurt to compare the two companies. You can call each one and see what they can offer you. :D

HI
Also What I did is got rid of some of them so my monthy payment was not that much. I took a week and got 3 paid in full's thanks to this site. Lower my payment by $100.00. Now that the payday loans are getting taken care of I'm working on my Credit cards.
Just a suggestion.
Cindy

Town and Country is one of the few debt consolidation companies that will work with payday loans, both internet and storefront. They charge a $210 start up fee then you pay them weekly and they pay your debts for you. They are located in Birmingham, Alabama. I have spoken to them personally and they were so nice; however I did not retain their services as I decided to fight the payday loans on my own.

Langhorne are a bigger bunch of crooks than the pay day loan companies!

I used to pay Langehorne and found out that they would pay only a portion of what I paid to them over to the loan company. I paid more than $500 over 9 months to Langhorne, but was STILL contaced by GFSIL, who said I could have settled with them directly for half that!

Grrrrrrr!

Um, maybe you don't understand Langhorn's service . . . . They do not pay your creditors monthly. They have you save up X amount every month into a special account, and when you have enough they will negotiate with your creditors to settle the balance. And yes, it is not a free service. You will end up paying money to Langhorn that they keep.

You just have to be prepared to have the money saved up to pay the settlements they come up with. It is a good idea to try and settle some on your own and then the Langhorne cost is not as much. You will be surprised how many you can settle on your own.

I was with Langhorne and had paid some of these PDL companies many times over what I borrowed and the settlements seemed high to me. I was able to get more PIFs on my own. They did not seem to push for that.

Thanks for posting your experience, motomom! It's always good to hear from people who actually have used these companies. Like you said, sometimes (if you're up for it), it's worth it to "take it on yourself" when dealing with pdls. It doesn't cost anything as far as money goes - but it takes a lot of sweat and work! But, it can be done! Thanks, motomom! :wink:

I personally did not like the set up that Langhorne offered and I really didn't like the person I spoke with. It was going to cost me tons more than it has by doing it myself. Like cannr said, it takes time and effort but it can be done. I am not totally out of the woods yet, but I will.

No problem cannr. I think sometimes we are overwhelmed with this whole mess that we don't weigh our options and take the first life line with promise. I think the best first step is to contact each one and see if they will work with you and if not move to plan B if you have one.

Can you call them and ask for a payment arrangement BEFORE you have to close your account? Will they work with you before going into default?

No - That is a bad idea. Most of these companies will take that as you can't pay, and will immediatly hit your bank account for all they can.

I need to know more about Town and Country pdl consolidation loan

Langhorne is actually what brought me here. I live by Langhorne, PA and had payday loans so came here to find out more about it. Since they are prohibited in my state (NJ), I realized it was cheaper and easier to tackle it on my own. plus i was turned off by the person i spoke with at langhorne.