I took a small payday loan out at an Oregon ACE in the 2015-2016 timeframe. There are ACEs in my area of WA but they were included in a bankruptcy back in 2014 and would not allow me to reloan without paying the $700 plus interest and penalties even though they did not attend my 431 hearing and my case was discharged in full as of Feb 2015.
Started receiving calls from debt collector CDR in 2016 never talked to them called several times with a case number this year 1 of those times they claimed to be the IRS but used the same case number..... Fast forward to today received a call from a Private Number who gave me a number to call 8552035824 (wished me good luck) and it's a company called Global that has me verify my info and they have my address completely WRONG but say this is you because the SSN and DOB match? My address is on the check that I gave ACE when I loaned and they failed to get my mailing address right.....?
They threatened a lawsuit for defrauding a loan agency/bank and some other thing that I forgot now. Global states I have been sent paperwork regarding the debt and that it is valid, I replied if you are a debt collector you are obligated to send me correspondence via mail of the alleged debt and they reply that they are not obligated that the collection and loan agency have sent me the documents already.....
I said cool send me to court and to the locating service (private number that called) you won't get anywhere with the address on file.... I gave them the correct address and they said that was the wrong address.... I went on to tell 3 different women that the incorrect address may be the reason I have NEVER received anything more than phone calls from CDR and they said I should have updated ACE when I moved? I have not moved in 4 years how am I supposed to update someone that I have no clue is looking for me?
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.