Consumer complaint received 2016-02-01
Company: Integrated Recovery Services
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Several years ago, I had taken out a loan with XXXX for approximately XXXX dollars. Against my better judgement, my wife and I had our back against the wall, and the only help came in the form of them. I paid the loan back in full, only after paying 75 % of the principle through their bi-monthly payments, and then paying the balance, thus having paid them more than twice what I had owed. However we needed payments to stop as we could not afford them. So we borrowed the money from a relative to settle that debt. Very shortly after, it became clear that my payroll would not cover what was needed to pay our relative back in time, and we ended up renewing a loan with them on the sheer XXXX that my payroll could expedite the repayment. The opposite happened and we could not even afford their payment schedule only less than a month after the loans renewal. XXXX continues to attempt to withdraw payments from my account, causing it to go negative to the point where we could not bring it up and the account was closed.. My wife and I decided to explore bankruptcy options as their XXXX was not even close to the most important of payments ( utilities ) that we owed on. I informed XXXX of this and they accepted a hold status while we waited to work out our plans for bankruptcy. After a lengthy period of trying to solve our issue, it was discovered that bankruptcy while in the military could possibly result in forfeiture of my security Clearence, and we can not afford to lose the income I receive from the XXXX. They contacted me and offered settlement, to which I attempted but could not afford in their timeline. It was eventually passed off to Integrated Services for collection. Again I was offered settlements that I could not afford in their requested time. Finally, last winter ( XXXX ), I gave in and entered into a payment plan that could finally resolve this issue. The settlement would have me pay {$250.00} per month for 6 months continuously - thus alleviating me of the XXXX additional in interest that they claimed I owed. I made XXXX payments to talking {$750.00}. On the 4th month we did not have enough to pay our electric bill so we were forced to have to delay our payment to integrated services. They said they would allow me the time. 5 weeks later I called in to make my payment and they asked for {$1500.00}. Dumbfounded I asked why and they said that because I could not pay consecutive that my repayment would have to start from the beginning. That is when I broke all contact with them as it became XXXX that I was being scammed. Since then, I receive calls and messages 2 or 3 times per week with messages that I am being charged with " bank fraud '' which I can only assume is because the account that they forced closed was not active at the end of their attempts I have been contacted numerous times, even after begging them to let the matter go to litigation. I have had relatives contacted. My employer has been contacted as a means to reach me, even after informing them that they can not and that it jeprodizes my career. For months it has been the same threats. I am in the New York XXXX XXXX XXXX and currently XXXX. I can not be home to defend myself against such accusations - which a false. I tried to do the right thing and was completely played. 
I need help with this, as I can not afford to lose my job, honorable status in the military, and reputation. 
Their number is XXXX

Company response to consumer: Closed with explanation