Hi, Beth, and Welcome back,
If you remember correctly, I did not list the Better Business Bureau as one of the offices which you should contact because they do not have authority or power to do anything. They are merely a repository for information so that if another consumer is about to do business with a company, they can contact the Better Business Bureau and ask if any complaints have been filed against that particular company. This helps the consumer make a more informed decision on whether they will do business with a company or not.
Your "contract" with these people is nothing more than a method to defraud you. You can simply write to them and tell them they have done nothing for you except ruin your credit rating and you have decided that you will no longer allow them to scam you out of any more of your money. Tell them that you have already reported them and you want no further contact with them.
Just in case there are lawyers in there (which I sincerely doubt), contact the New York State Attorney Disciplinary Board and report them. Even if they are not lawyers, they should not be holding themselves out as lawyers.
New York Attorney Disciplinary Board -http://www.courts.state.ny.us/ip/attorneygrievance/complaints.shtml
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