I just got off speaking with them through their live help link.
This is what I got.
Chat InformationPlease wait for a site operator to respond. Chat InformationYou are now chatting with 'Ada' Ada: Good evening, thank you for visiting Customer Care. How may I help you? Molly Sommers: Is this PRLDirect? Ada: We are a call center, dealing with a number of loaning company. Ada: In order to assist you better, may I have your first and last name along with your social security number please? Molly Sommers: Don't you mean payday loan companies? Ada: That is right, payday loaning companies. Molly Sommers: Are these companies legal? Ada: Yes, they are. Molly Sommers: In both Canada and US? Ada: We don't have any business with Canada at this time. Molly Sommers: If I were to get a loan, where would my legal obligations lie? Would they be based on state where I reside or where the loan was taken from, i.e. Malta, Ireland, Canada? Molly Sommers: Is this call center based out of Surrey, B.C. or Winnipeg, MB? Ada: In order to assist you better, may I have your first and last name along with your social security number please? Molly Sommers: Can you not answer my questions? Ada: Ms. Sommers, for me to be able to give your accurate information, I will need to pull out your file first. Molly Sommers: You don't need to pull my file to answer these 3 questions. Ada: I won't be able to disclose any information, not unless I verified that your are one of our customers. Molly Sommers: Why, I would like to be a customer but first I would like to know what my rights are and the legal rights. Molly Sommers: Is anyone there? Ada: I won't be able to disclose any information with out a social security number. Molly Sommers: Look, if you want my business, I have the legal right to ask these questions. If you don't want to answer them, then that tells me that your operation is a scam outfit and you have something to hide. The questions are general legal questions not specific ones. Molly Sommers: I do know that in Canada, you have a privacy law, but that refers to a specific individual, not generalities. Ada: Ms. Sommers, unfortunately since you are not wiling to release your social security number with us, I won't be able to disclose any accurate in formation with you at this time. Ada: I will have to end this chat, if you are still not willing to disclose your social security number. Molly Sommers: I don't have to disclose my SSN to have a general question answered. Ada: Thank you for chatting with us. Have a great night! Chat InformationChat session has been terminated by the site operator.
Just by this conversation, found out a few things:
1. In Canada, parent company is being investigated that is why they have closed Canadian operations.
2. This company is definitely a scam outfit.
3. They type in their answers that can be found in a book that they are given.
By signing up a debt 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 payoff 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.