Lexington Consumer Advocacy appears to be a debt relief agency, which is another way of saying that if you pay them a monthly fee, they will try to negotiate with your creditors to reduce or eliminate your debts. This is a legal business model, however, as a general rule, the fees charged by this type of agency are usually as costly as the original debt. The result is that you get a reduced debt from the original creditor, but you transfer the value of that obligation to the debt relief agency, who you will owe for the services in negotiating the debt.
Concerning the closure of your bank accounts as a means of avoiding continued payment of debts you can't afford to pay, you're entitled to protect your assets. The various creditors may send your loans to a debt collector, and you may be harassed for payment, but in the end, you can frequently negotiate with a debt collector for a much lower settlement amount. And, if that doesn't work, and you run out of other options, you can file for bankruptcy and wipe out all of your debts, once and for all.
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