Hi and thanks for this terrific resource. I received a few days ago as many have a loan transfer from Cash Call to Delbert. The loan was originally WS. Today I received notice that payment will be withdrawn ACH via Delbert. I want to stop them from doing this and wish to work out new reasonable arrangements to pay this loan using the NJ cap interest as a guideline. How exactly should I go about this? I know of the links provided here for samples but most of these seem more relevant to true payday type loans. Basically I am looking for a letter more specific to W.S (there may be one already posted?? ) so as to ensure that they will not give me a hard time and remove the ACH. I spoke with my bank but haven't done anything official. I also prefer email contact only so should I do C&D at the same time? I am sorry for any confusion. Just nervous and mad at myself. I am recently out of work and have no easy way to pay this back under their terms. I have paid $3300.00. The loan was for $5000. Thanks for any help
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.