Calls Stopped, now what?
You have done the right thing
You have done the right thing by sending them the letter. All of your lenders are illegal. You owe nothing more than the principal. Close down your old bank account and open a new one. You can’t do anything if they don’t return back your money, because it is fully depends on their discretion. Don’t worry, illegal lenders can’t do anything.
no calls
yes, bank account was secure. My bank was very cooperative. And yes, in the letters that I sent to the PDL's, I did state that contact was to be made by email only. It has been a week with no emails or phone calls. Is this normal? Should I anticipate that any of these places will call again later down the road? And what about Western Sky/Cash Call. I still owe $500 in principle and stated in the letter to them to contact me via email on where to send a Cashier's Check. Haven't heard anything.
credit report
Does anyone know how I should handle my credit report? Of the 4, Western Sky/Cash Call does report monthly on credit report. If they try to wreck my credit, should I contact the credit bureaus and if so, what should I do?
Hopefully your bank account
Hopefully your bank account was secure before you sent out the letters - if not please proceed to bank today, give them copies of your ACH revocation letters. Them not calling means they got your letters, I am assuming that in them you stated contact to be made by email or mail only!