Let me first start by saying how grateful I am for this site existing as the information I have found has been very helpful.
Like others I took out a loan from Western Sky and got bounced between Cash Call and Delbert Services. To date I have paid them around $5,000 over the principal I borrowed. I began getting suspicious when I could no longer get to the Delbert Services page to find out my account balance.
That's when I found this forum, I have followed the steps to secure my bank account and sent an ACH Revocation / Refund request letter per this site.
My question is now they are calling me from different numbers multiple times a day. I refuse to answer and am blocking each new number as they come up.
I have however given thought to changing my cell number to put an end to it. Do I have any other recourse to try to stop the calls? I too have gotten the e-mail from Lynette asking how they can help me with my loan. I just responded with "everything is detailed in this notice" and re-attached my ACH Revocation letter.
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.