Northway/Sonic/Universal Fidelity

Hi Jan,

I believe Universal Fidelity is a collection agency/dept for Sonic Payday. Sonic threatened to turn me over to them when I defaulted on my loan with them. I would recommend not paying anything to them until they validate the debt. Check the DIY section of the forum for a sample letter to use. Did Universal give you any contact info like phone number or address? You will need to send the letter certified mail with return receipt. This way you will have proof they received it. Do you still have your bank statements from last fall showing the loan was paid off?

Did you get a paid in full letter from these companies when you paid the loan off? If not, you should call the company that you think the loan is with and ask them for a statement of paid in full, then send it to this company that is trying to collect.

Even if you have a payment arrangement set up with them, they will add fees to the payment amounts without putting that in a letter sent to you. If you question anything, they get hostile and angry for asking questions and accuse you of refusing to pay a debt. Best advice for you is to get an attorney who will stop these bullies from calling and harassing you even when payment arrangements were made. Make sure your attorney is specialized in debt collector harassment and abuse. Also, let your voicemail take in their calls. Do not call them back! Let your attorney straighten them out! These Collectors are looking for a way to make you say that you are refusing to pay a bill and call a person names.