I've been reading all of the related posts to my problem and they're all so helpful. I'm working on my letters to send to the PDL companies that I'm dealing with, listing what I've paid them and over paid. The research so far shows the following aren't licensed in CA. I just wanted to verify if I'm correct.....?? And what others have experienced after sending letters to these companies....
Plain Green Loans
Advance me today
United Cash Loans
Mass Street Group
Loan Shop Online
MultiLoan source/AALM Consulting Services
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.