Check this out! I have finally received my first PIF! I sent a version of a letter that was given in this forum, make a few edits to it, told them that i overpaid and that in lieu of demanding a refund (and of course the fact that i exposed them directly in writing as operating illegally in my sate), i would be willing to leave them alone, as long as i received a PIF, and it worked!
You people on this site are AMAZING and have helped me begin to put the pieces back together! ESPECIALLY GOUDAH! Thank you specifically Goudah!
To all who have helped i owe my thanks and will continue to post things on this site to help others as well as (hopefully) keep pasting emails like the one below for others to know there is hope! :D
Please see the email i just received from Impact Cash, after they received my information in writing!
Thursday, September 4, 2008 10:34 AM
Dear X X:
We are sorry to hear you have not been satisfied with your experience with Impact Cash USA. We have reviewed your account with us. We are willing to consider the account settled. We have marked the account as such. Please let us know if you have any further questions.
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.