I have gone to my bank and closed the account. I have read to send them a certified letter and some of them only gives a fax number no address. I am not sure if to contact a company to help me or to do it myself?
I have until the 19th its when they start charging my account again. I live in florida and my pay loans are with:
ameriloan: 300 paid 500
oneclick:owe 260 Paid 460 already
integrity advance: 400 paid 480
loan point USA (Geneva Roth Capital) ($600 havent started paying yet
They are all in computer loans? Can anyone advice were should I send these certified letters to? The contract gives and address for National Arbitration Forum (NAF) is that who I should deal with? also can they garnish my wages?
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.