Jessi
Wilkesboro,#2Consumer Suggestion
Mon, September 08, 2003
So sorry that emerge took over some of providians' portfolio's...fyi, they just got some more accounts in the last two weeks. Because of the conversion, several accounts that were taking part in a credit counseling program were considered to be in default. You can get emerge to accept a new proposal from credit counseling by bringing your account current yourself; the best thing to do is call hem and ask them how they can help you.(1-866-670-5103)I am sure that several programs are available to you. Be aware that any time you don't get your payment to credit counseling on time, therefore not getting it to the company on time, you will be in default, which causes the proposal to go "out of effect" and late fees/overlimit fees to be applied, as well as cause the apr to go back up to the last setting before credit counseling.