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Richard
Richard, Attorney
Category: Business Law
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Experience:  32 years of experience practicing law and a businessman.
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My husband and I joined this debit settlement company (CAG)

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My husband and I joined this debit settlement company (CAG) about a year ago. I keep getting letters from companys we owe money to and just yesterday I got a letter stating they are going to start garnishing my husbands checks. We have tryed to contact them many times to find out what is happening with our account after many attenpts they answered. They told me we have not got enough money in our account and until we do there is nothing they can or will do. Well I found another settlement company and they told me that NO debit settlement company can take out thier fees before they settle a debit. Well CAG took and are still taking out what they say we owe them (their fees). I told them when I got ahold of them that I wanted all my money back because they did NOTHING for us and they told me that all I would get back was a part of what we paid them. Can they do that and what can we do?
Submitted: 5 years ago.
Category: Business Law
Expert:  Richard replied 5 years ago.

Good morning. You should send them a certified, return receipt requested letter demanding that they refund your money in total within a short specified period of time. Inform them that if your demand is not timely complied with, you will have no choice but to file a suit against them for your damages. Be sure to specifically mention that you will be filing this claim not only as a breach of contract case, but also as a deceptive trade practice action, which will entitle you not only to your damages, but also an additional amount equal to 3 times that as punitive damages. That should provide plenty of incentive to comply with your demands; but, if it does not, file your suit.

 

 

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