DCS Help

[Trinique_Fire]

Okay, so here's the deal. I have an arrangement with DCS that they will pull $50 from my checking account every month for my loan that I'm slowly paying back. Problem is, I don't have the $50 this month. They tried to take the $50 out anyway, thus causing me a $35 withdrawal fee, even though they put back what they took out from my zero balance account.

Now, I tried to ask this woman from DCS that called me about it if there was some way to cancel the payment agreement we'd formerly arranged and start a NEW payment plan when I do have the money. She clearly didn't understand what I was asking because all she had to say was "could someone put it on their debit or credit card FOR me?" I told her no. She said to try. She obviously doesn't live in this house. I patiently explained that it was not possible.

I have to call her back Monday and let her know whether or not I have the money. I don't. How do I figure out if there's a way to start a NEW payment plan when I have the funds? Someone help me out here, please.



ETA: DCS = Diversified Collection Services

 

[Trinique_Fire]

Any thoughts?

 

[voluptuary_manque]

Any thoughts?

I believe I'd start with a visit to Legal Aid.

 

[jomar]

If you don't have the money you don't have the money. I'd consider closing that account to prevent further withdrawal fees. Talk to a supervisor at DCS and work your way up the chain. Like VM said, legal aid may also have some ideas.

 

[Fallenfromgrace]

You could attempt to get a part time job.