To begin with, the companies are all run by the Heatmill Services. It is a total ripp off as no matter what u pay, they still ask for more. The best way to stop them harrassing you is the follows:
1) to stop being charged
Change your account immediately. They are capable of debiting yor account up to 20 times at one instance causing you to pay excessively high insufficient fees at your bank.
2) stop calls at your work place.
Tell yor supervisior that in case they call, simply tell them that you left the job. for home numbers, change the number if possible.
These guys make huge claims of ruining your credit history, but they cant do squat. the process begins with you missing one payment and your details are passsed on to the collections. from there it goes to the legal and it stays there for ever. but do not worry and dont pay a dime, not because you shouldnt, but because they dont deserve it.
I can say this after having worked in the collections myself for a decent year and a half and having extracted exhorbitant sums of money from people who cant pay anything. Just my way of giving back...
Screen name at Heatmill
Raul
Mexico
Mexico
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