Bebtcc loan and mortgage

Yes. They are illegal. They can't do anything if you stop making payments.

Yeah, you did well...I hope you have paid the principal amount already...isn't it?

Don't pay a cent more than just the principal amount.

Just pay the principal amount and relax.

Yes they are illegal. Don't fall into this trap again. In the meantime stop doing your payments, and if you have disclosed your checking account details to them, change the account as soon as possible. Send them a letter not to debit from your account anymore.