People please keep your money and try to work with the creditor.
I contacted CLA to assist me with Washington Mutual. I was paying CLA $288.00 monthly and was under the impression everything would be fine. I too receive their survival guide explaining how to handle creditors. I too received a settlement letter from the original creditor. I faxed in the settlement offers and letters from debt collector companies. It had gotten to the point an attorney from the debt collector company Trauner, Cohen & Thomas, LLP contacted my dad and my aunt. My family have unlisted numbers! When I called CLA they did nothing to assist me even when Trauner, Cohen & Thomas was threatening to take me to court or garnish my wages. I was under the impression CLA would let my creditor know I was working towards paying them back the money owed. I called CLA on September 24 and faxed the termination form. I was told it would take 60 to 90 days before I would receive a refund. It is now February 2 and my refund has not been received. I spoke to a supervisor name Desmond and this imbecile told me the 60 to 90 days was not contractual and that was only an estimated time frame as to when my refund would be received. I got so frustrated until I hung up the phone in his face. These people will rip you off and you will still end up owning the creditors. Save your money and try to work with the original creditor PLEASE!
My suggestion to anyone is to cancel the service with CLA first. Second contact the original creditor in writing explaining the situation. Provide copies of your banking statement showing the payments made to CLA (don't show your bank account of course for security reasons). Attach a check to the letter advising if the check is cashed that means an arrangement can be made. If the creditor cash the check continue each month sending in whatever you can to pay on the debt. Trust me this works!!!
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