Quick Answer: MyPayDayRelief.com calls typically involve debt relief services, but third-party debt companies have no legal power over creditors and often charge advance fees. Only bankruptcy attorneys have legal authority, and consumers should avoid companies requiring upfront payments before delivering promised results.
“Dear Steve,
I have been getting calls from mypaydayrelief.com and was almost ready to begin the process for allowing them to help me but after reading all your info i am glad i did not fall for this scam.
i have 4 pay day loans whom will want money effective friday the 1st of Feb
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i need a company a reliable on in the next day or so to get my ball rolling.
another company i have been communicating with is Kala Services, have you ever heard of them?
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thanks
Rhonda”
Dear Rhonda,
The advice I have for you applies to MyPayDayRelief, Kala Services or any third party debt relief company.
Third party companies have no power or control over any creditor. The only one that has the power of law behind them is a bankruptcy attorney.
If you are prepared to pay an outside company money in advance for services, you are probably not going to be happy with the results.
If the company is willing to charge you once they have delivered the result promised then you will be happier.
But dealing with one creditor does not stop the rest from pursuing you at the same time. It also does not prevent any creditor from suing you, going for a judgment or garnishing your wages.
I would recommend that anyone considering using such a company should read the following fee guides.
- The Ultimate Consumer Guide to Checking Out a Debt Relief Company Before You Sign On the Line
- 10 Must Do Steps to Find the Best Credit Counseling or Debt Settlement Company for You
- How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off
If you are looking for a solution where the creditors and collectors may no longer legally contact you then I suggest you click here to find a local bankruptcy attorney and schedule a free consultation.
Please post your responses and follow-up messages to me on this in the comments section below.
Facing a Similar Situation? You’re not alone — and you have more options than you think. Start with the all your debt relief options page to see what’s realistic, or take the 2-minute bankruptcy quiz if the debt feels unmanageable. Federal Reserve research shows filers recover faster than those who don’t file. If a company is involved, run them through the Scam-O-Meter first.
