I had a $20,000 MBNA debt that got sold off to Scott Lowery/Collect America a few years ago. They lied to me over the phone and told me that I could make $300 payments and they would give me a 0% interest rate. I made payments for over two years. Then I asked for a statement to find out what my balance was. It was higher than when I started. They said that it was 0% on the $20,000 but that 20% interest was being accrued in a separate area that was now at $10,000 - that after I paid the full $20,000, i could settle on the interest. I stopped payment, saying I wanted something in writing.instead, they got a mediation award against me and now I am stuck. They offered to settle afterward, but again, would not put it in writing. They are Liars. If anyone has any advice, it would be greatly appreciated. Ty.
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