I have been a "lurker" and have learned alot reading everyones posts. I have been dealing with 4 PDLs. DMS Marketing, USFastcash, Payday Ave, and Geneva Roth. Today I got the waiver letter for a $600 refund and a PIF letter from DMS Marketing. Granted those aren't actually in hand yet but I feel like a winner. The lady I am dealing with is Vedia Johnson. When contacted about the refund I was requesting($600 dollars, I paid $990 for a $300 loan) they wanted to refund $300 dollars. I quoted the laws for my state, which is Wyoming, and the situs laws for the TILA. Next thing I knew they were refunding the amount requested. Vedia was very helpful and polite.
I couldn't have done it with out the info you all post on this site. Thanks so much and I will update the rest of the struggle.
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.