Almost two years ago I made the mistake of taking out payday loans. After having several thousand dollars taken out of my account, I began researching and found this site. Using this site I was able to come to terms with 4 of 7 of the pdl. Of the three left, only one still bothers me, Ameriloan. I have sent DV and Cease/Desist emails to Ameriloan, letters to FTC and my AG. But Ameriloan still calls and leaves no message. In May 2011, I did answer the phone but got no where with the rep. Two weeks later I got a call that I was going to be charged with check fraud. I googled the phone number and found it was Midland, Ameriloan's CA. I know they have as much legal standing as Ameriloan in Florida: NONE. Anyway, I was wondering the thoughts on just call blocking them?
By signing up for counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.