Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
I am writing about an unresolved issue that I have with XXXX cash loans. They are currently contacting me via XXXX XXXX firm, and It was brought to my attention that XXXX being sued for missed payments with interest included, totaling {$XXXX}. I have tried on numerous occasions to get a settlement before court and I am getting nothing but the run around. They are not being very helpful or understanding of my situation. I received the loan amount of {$XXXX} on XX/XX/XXXX, and my first automatic withdrawal for the amount of {$XXXX} was successful. On XX/XX/XXXX, I was let go from my job, and my check was held for administrative purposes. With the interest rate at XXXX  %, and was struggling to make timely payments. I reached out to XXXX loan to explain my situation and to see if we could work something out for the remaining balance. By XXXX of XXXX, I was XXXX  months behind on rent, and car payments and was struggling to stay on top of my utility payments. At this time I was facing extreme financial hardship and thought I was doing the right thing by explaining my situation. Also during this time I was taking care of my grandparents who both suffered from XXXX  XXXX. Currently my grandmother needs full supportive and personal cares now with her battle with XXXX XXXX and my grandfather has XXXX  XXXX or XXXX  times a week and has trouble doing things around the house. As the burden has swiftly switched to my responsibility, even with a new job, XXXX often using our last to take care of the household. I called American cash loans the after being served court papers, explaining my situation and they told my they cant do anything for me but provide my pay off amount. When I ask to settle I was referred to this number ( XXXX ) XXXX. I then gave them a call, and the representative stated that he cant help at this point because the account has been referred to XXXX. He then provided me with XXXX numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. Ive since left voicemails, and sent a email to XXXX. I received a response from XXXX asking for all my financial info so they can garnish my checks. Before the court date roughly around XXXX, XXXX ( court date XX/XX/XXXX ) I contacted XXXX to get on a payment plan which they agreed to me paying {$XXXX} I believe the XXXX of each month until same time next year, which would equal to me paying {$XXXX} in total! I feel like this is very unreasonable, and complete usury considering that the interest rate is predatory and I have tried to get ahead of this by explaining my situation multiple times to XXXX loans. Even with explaining my situation to XXXX, they totally disregarded what I said I can afford and could settle for during this time of extreme hardship for my family. 

Out of the {$XXXX} loan I owe {$XXXX} without the interest. I offered to settle the debt with {$XXXX} cash before it got to court. XXXX even on a payment plan with XXXX since XX/XX/XXXX and have paid at least {$XXXX} back on the loan. I can no longer afford this and this is complete usury. My purpose for writing is in hopes that I can settle this debt and move forward and continue providing for my grandparents, and preparing for what XXXX come from their illnesses. I have no support system and im learning new things everyday. I truthfully regret taking a loan with this interest rate, but look to this experience as a learning experience. I have dreams and aspirations as most Americans do, to be debt free, and to XXXX day own a home. Please help me with my issue with this loan company.

Company response to consumer: Closed with explanation