Help me please?

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I was in debt and went to DXS debt management co. They started with me inMarch of this year…150.00 every month on the 6th like clock work…I was under the assumption they were paying my debt for which I was paying them for and apparently they were not. I found out this info. yesterday…I have a huge credit debt with bank of america…6,000.00…they refuse to accept any payment except a 3000.00 payment…I do not have this kind of money…said I would pay 150.00 per month but they wont accept….Does anyone out there know how I can get these guys to accept my payment? I am responsible for this debt and want to pay it, thought I was, and I am a teacher’s aide so I really dont make that much…ANY, ANY, ideas or suggestions will be appreciated…thanks ahead of time

  1. Reply
    August 31, 2011 at 10:08 pm

    Have you contacted DXS? If so, what did they say about it?

  2. Reply
    August 31, 2011 at 10:13 pm

    well, this prolly won’t be much help, but I used a consolodation company before. they just started sending $ $ to my creditors with out making prior arangements. most of my debt was owed to wells fargo, well, wells fargo went into my moms bank account and cleaned it out. both my mother and I ended up filing for bankruptcy. I will never suggest consolodating debt to anyone. sorry I couldn’t be more help, but I feel for ya. good luck.

  3. Reply
    Sherri K
    August 31, 2011 at 10:25 pm

    Check with an attorney in your state first to double check my statement. But here goes. If you send in a payment and they send it back. They are stating that you dont owe them anything. However if you send them a payment and they complain about it and keep the payment just keep sending them small payments because whether they like it or not they are accepting the small payments. Good luck

  4. Reply
    August 31, 2011 at 10:31 pm

    First of all you need to “clarify” with DXS what they were charging you $ 150 for?? You had to have been paying this money for something…

    Secondly…do not stress. I suggest you cancel your card with bank of america (so you’re not tempted to use it, till you pay it off)

    Thirdly…Ask to speak with a supervisor at BOA customer service phone line 1-800-432-1000, explain your situation..(if possible cry 🙁 They usually have better offers than the reps.

    Goodluck with your situation!!

  5. Reply
    Think About It
    August 31, 2011 at 11:06 pm

    Try this, it may or may not work.

    Send the bank your $ 150, just mail it to them. Be sure to put your information on the check so they will know which account you are paying on.

    They may or may not accept it but if they do, then you can at least show you are making payments and may give you some leverage. You will know they if the accept it if it shows up as a debit out of your checking account (if you pay with a check).

    Hope this helps.

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