From reading the messages regarding PDLs I am not sure if I have all the info needed to fight these PDLs. All that I am listing are licensed in AZ. I can't find a site that tells me if they are members of CFSA.
Secondly, for the ones I have over paid I am not sure how to approach them. Do I write them a letter or call and let them know they owe me a refund and I am not planning to pay anymore?
Last question, I have a quote from a PDL settlement company. Has anyone ever heard of PDL Assistance? They claim to be able to negotiate a settlement for 70% or less, and they do all the paperwork. Their fee is 30% of total outstanding loans they have to negotiate plus $200 to start. Good deal or not?
Below are the loans I have and how much in fees I have paid.
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.