I know these loans are illegal and I have posted so many times on here. I am just ready to makes arrangements (except with stcadvance, they owe me money) So can someone suggest a letter I can use and should I also include illinois laws and let them know I have reported them to my ag, bbb, and Division of Financial & Professional Regulation. No one is working with me. When I first came here and outlined my loans, I was told they were illegal but that I am not even sure. The financial and professional regulation said there is nothing they can do for me. I am now to the point if it takes me 6 months to pay these off, I will. Can someone suggest a letter or wording I can use to try to reach possible settlement or payment arrangements? Bank of america claims I cannot do a balance hold and I am being charged fee after fee. Please help me. I need to know what I can do and get it done, I am starting to get the calls at work.
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Some creditors and collection agencies refuse to lower the payoff amount, interest rate, and fees owed by the consumer.
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