I have just received a Legal Notice Email from ECS Legal Dept saying that they are presuing legal avenues for check fraud for a payday loan I obtailned. I have spoken to Ray Rhodes and he refused my making payment by money order he advised that the only form of payment is prepaid credit card. ECS did email me a Attempt to Collect a Debt Letter and I found it weird that Corporate Letterhead's address was misspelled. I ask for the original to be mailed and it was and the Corporate Address was corrected in pen. The company supposedly representing ECS if Slovin Esq. which of course I can find not information on. I live in NYS and I have been told that I cannot be sued becasue loans in NY are illegal. Is this correct? Should I contact ECS and make payment because I dont want to be sued nor do I want any garnishment from my current employer. I just find it very weird that they would accept any other form of payment.
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.