ONE WEEK...
One week from today, I will be in MI visiting Finsfan and Polly...Woo hoo!!
We shall take the area by storm. It will never be the same again!
:)
Can anyone tell I'm excited! :)
I just received a letter in the mail from Credit Service of Logan, Inc. collecting for a ipdl from Instant Cash Flow. The balance I owed them was $198, now they say it is $300.10. I called them to ask where the extra $102.10 came from and they said when debts are referred to them to collect, they add an additional amount to collect the debt. Does anyone know if this is allowed?
Does anyone know of any companies where I can consolidate my payday loans with? I have loans with StarlightFS, paychecktoday, payday services, and jd marketing. Any help would be appreciated, as I am drowning in these loans. Thanks.
Category 1: People who realize that the debt is uncollectible because it is barred by state or federal statute. I don't violate the fdcpa until I have sized up a debtor as NOT being in this category. That's because these are the types who will file a complaint on me AND it's not worth the risk because they are not going to pay anyway -- they know the law is on their side.
Category 2: People who are not aware of their rights but are hostile from the get-go with me. I try to use reverse psychology with them. And when I harass them it is always in a more subtle manner.