I started with FCCC a few months ago. I had to pay a setup fee to another company at first, then I think I was sold to FCCC. I called all my creditors to make sure they got the proposals. And of course some had to be sent 2 or 3 times. And some were declined and had to be resubmitted with a new payment amount. All my creditors either elimated or lowered the APR and monthly payments. Which is totally awesome. FCCC messed up on the first withdrawl date and I had to stop payment and pay a fee to my bank. Then the first set of payments were late. Then the hurricane hit. I couldn't get a hold of anyone because they transferred everything to the NC office. My 10/15 payment came out of my account but my creditors have still not received the money. Of course the hurricane was the excuse for all that. But it's been almost 6 weeks. I made all my November payments myself and I told them to stop the debit from my account until Dec. So here we are and I still have no clue about the Oct 15th payment and if my payments will ever be made on time. They told me after 3 months of payments the late fees will go away. Here is why I am stressed. TheFCCC phone # has been busy, I get no responses from emails etc... I just want to know what it going on. Are they out of business??? I have never I have never had a late payment on my credit until now. I only wanted to use them to help with the APR's and get the debt in order quicker. BUT I did't expect late payments. I don't know what to do? I am very stressed. This is unacceptable.
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