A 2nd Opinion

Hi kaunkst7

Nice to hear from you yet again...please tell me if your AMEX card is also enrolled in that debt consolidation program? I gathered from your post that if this card is not put in the program, then this card will not come into picture. So whatever payments you make in this card, will not get open if it is not included in the program. I may need more information from you if I have posted anything wrong here. This is what I feel understanding your post.

Please keep in touch.

Regards
Roxette

Thanks for getting back to me so quickly! No, the AMEX card is not enrolled in the program. It's a card used soley for bills and is paid off every month, there is never a balance carried over on it.
Why would this manager of debt relief Inc. discourage me from continuing to pay my bills in this manner? How would my creditors that are enrolled in the program know what I am doing with another card that is not enrolled?

Thanks again!

Hi kaunkst7

Right, so this is a positive approach to this matter. Though, I may not be so sure about it but I think consumers are sometimes discouraged so as to get business from them. This is one way of business tactics.

Anyway, please do not worry about anything. Trust me; everything will just turn up very nicely.

If there is anything that I can further do from my side, it will be a pleasure for me.

Regards
Roxette
A good action is never lost

So, you're saying I would probably be safe to continue to pay my certain monthly utilities like I have been with me AMEX card?
Business tactics on whose part? You don't mean the debt consolidation company, do you? I don't know why they would be using discouraging tactics with me when they want my business. I can understand them wanting me to discontinue using credit cards since the whole objective is to get out of debt but the AMEX card is not like that, not mine anyway and as I've said before, it's paid off in full every month, it's just used for my phone and cable bill.

Hi Kaunkst7
Welcome back to the forums. It is great to have you in the forums.

I understand from your query Kaunst7, that the lady at debt relief Inc. wants you to use your AMEX card wisely because this card is solely used to pay off your utility bills and in due course of time you can get into a debt, for which you may have to suffer badly.

Therefore, she has just expressed her opinion and there is nothing to worry. Please do not stress yourself out for this simple matter.

All the best to you.
Peter.

So, your guys' take is she is advising me so I don't further myself into debt? I can understand and appreciate that. And I will continue to pay my bills in the manner this is working best for my situation.
I'm still concerned that she is telling me that creditors know what I am doing with my other cards. Is this true? Does one creditor know what I am doing with regards to another? Seems a bit invasive to me!

Thanks to you guys too....you're a very big help!

Kate

Hi Kate

Just a bit of proper planning will put you in a much comfortable financial position and you will not incur any debts in the mentioned card.

I'm still concerned that she is telling me that creditors know what I am doing with my other cards. Is this true? Does one creditor know what I am doing with regards to another? Seems a bit invasive to me!