I haven't been on this site in over a year except to read some threads that I would get emailed to me. It was a busy year. It has been this long and no PDL companies bothering me. I had got such great help from all of the people on this forum. I just received the following on a PDL company that stated to me back in March/2008 that I was PIF since I called their ACH processor and filed complaints against them. I live in NJ. I had a loan last year with Impact Cash and had paid them way over on a loan and this is what they send to me now todays date:
Our records show that due to a missed payment your account is currently past due for the amount of $390.00. RBT Financial will reattempt the payment on your next scheduled payment date along with the scheduled amount. Please contact our office as soon as possible if funds will not be available to avoid any further fees. Our office hours are Monday through Friday, 7:00 a.m. - 7:00 p.m. MST. It is imperative that we get your account back in good standing.
RBT Financial (Formerly High Country Loans and Impact Payment Systems)Customer Service
PO Box 3206
Logan, UT 84323
Phone: (800) 707-0102 ex 4679
Fax: (435) 787-8152
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.