I am writing this report to warn other people just like me about ACA Recovery debt collection company and also avoid as much as possible to lend money from payday loan websites cause you you would end up buried in debt for $300.00 loan. I don't want that consumers will suffer the same fate I experienced with this Company.
I made a payday loan from Cash Advance Network due to several credit card bills I was receiving that I couldn't handle. They automatically debit your account with $90.00 or if you want a bigger amount you need to call them. But you will notice that instead of having your $300.00 loan go down it will blew up. Mine blew up to an overwhelming $540.00 after several debit transaction they made till my account get closed for insufficient funds.
A certain Mrs. Garcia called me up to pay the full amount of $540.00. For reasons that the bank rejected their debits due to account closure. They will never give you an option to ask you how much you can afford for the time being but instead asked you to pay half of the amount and will asked you to pay the amount before the week ends.
As most complainants said here every payment is by western union quick collect (Just imagine paying for the remittance fee) and if not Atty. Kolina will file a charge against you. I paid half of the amount $270.00 but promise to pay but I could make it cause I also have other debts so I called them if I can pay the next coming week.
When the week comes I can't pay it again so I seek a Lawyers help cause I've got several phone calls a day around 49 messages and sometimes the answering machine can't get it anymore. They were harassing me so I have no option but to file a bankruptcy. I filed a bankruptcy in February but was discharged by June after a court meeting of the creditors.
I thought that was over but sometime in April they called me again harrasssing me to pay the full amount. But I told them I have filed for bankcrupcy and if she wants the details talk to my lawyer to get information.
After several months since February he didn't called me nor my Lawyer and just last night around 7:30 pm August 2. Another lady called and asking me to pay my loan. I couldn't be repeating the same discussion all over again so I refered my lawyer. You will never get the same person you spoke with initially cause this is a strategy.
Their name was include in the list of Companies under Cash Advance Network. But still they refuse to admit they were the same person. I told my Lawyer about their calls and that if they call me again we can file charges against them
My advise to everyoe don't get the services of debt cosonsolidation Company they will also reep you up. They will promise to coordinte with the lending COmpany but it didn't happend cause they will just get you money.
Also Avoid a lot of credit cards. According the law any collection agency or creditor who filed for bankruptcy can't be called anmd harassed. I had sleepless night. They will continue, so please if you can file for bankruptcy file it. Espeically in moments that when your down.
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