This company is by far the worst I have ever dealt with. Beware! They will lie to you and tell you what you want to hear in order to further their bottom line.
I was sued for 3 credit card accounts by this company. Two of them were for under $1000. One of them was for approximately $5000, but by the time they jacked up their fees it was over $8000.
Long story, but I called and spoke with a guy named Brandon when I got served my papers. I had no money whatsoever for an attorney, otherwise I would have gotten someone on the case. He advised me that I was doing the right thing by calling and making arrangements because that way I would be avoiding a judgement. He set me up for monthly payments that were much more than I could afford (I make a little over $10/hour, single woman). He refused to accept anything lower than what he offered. Keep in mind, he advised me that I would not get any judgements. He then proceeded to collect $350 via check by phone from me. At that point, I didn't realize that was the wrong thing to do.
Imagine my surprise when I received 3 separate judgements before my next payment was even due. I was shocked because Brandon had assured me that no judgements would be filed. At this point, I was very gun shy about talking to anyone at WWR. I changed my checking account number with my bank.
One other thing....when I spoke with Brandon, I advised him that I could not be contacted at work; it is against policy to receive these types of calls at my workplace, and our phone calls are monitored. About 3 weeks-one month ago, I did receive a collection call at work from a woman named Barbara, whom I advised not to call me at work anymore. I have her extension and a message on my answering machine from her. Hello....blatant violation of the Fair Debt Collection Act. I also have witnesses to this phone call.
My feeling at this point was that this company was very shady, and I wanted to avoid speaking to anyone who would lie to me again and/or tell me just what I wanted to hear, but I had no money to seek legal representation.
Next step....WWR serves me at work with garnishment papers. At that point I did seek legal counsel with the help of my church and family. I took a day off of work and attempted to call WWR to try and reach some sort of settlement. Spoke to a woman named Janelle, who was polite on the phone, but told me there was nothing that could be done, that I was basically stuck with paying the full amount. I advised her that I only make a little over $10/hour, but she didn't seem to care. I advised her that I am at the point of filing bankruptcy because I do not have the money to pay the company what they are asking for. Okay.
Seven hours pass. Every day I check my bank account, and as is my usual habit, I checked my bank account. I saw that over $700 was being suspended, so I called my bank, and they advised me that it was a garnishment. Who was the garnishee? You guessed it, WWR. In other words, as soon as I got off the phone with Janelle, she must have called in to the bank and had my bank account drained because I mentioned the word Bankruptcy (speculative/alleged) . Was I rude in any way to her? Not at all. I was very calm and polite, not that it matters. These people are scum sucking bottom feeders who do not care one iota about your situation. They will be nice to you on the phone, hang up, and then proceed to screw you. DO NOT BE FOOLED!! DO NOT TRUST ANYONE AT THIS ORGANIZATION!!
My best advice to anyone who ever receives any kind of communication from this company.....beware. They are liars; they will be nice on the phone, and then do whatever they want behind your back. Do not EVER give them any of your bank info. Heck, I had to change my checking account number from the original time that I was dealing with Brandon, and they still found out my new account number. Get an attorney on anything dealing with this company or pay them what they want. Your choice. But they are RUTHLESS. They want their money, and they will stop at nothing to get it. No heart, no compassion, expect nothing but deception.
Get an attorney right away if you ever get anything from these people. They will sue you; they pretty much sue everyone that they send any correspondence to. They prey on the poor and vulnerable. Call Legal Aid if you have no money. I do not want anyone else to get screwed by these people. I had high balances with other law firms/collection agencies, and they were ten times more professional and competent than the monkeys I had to deal with at this excuse for a "law firm". These people are really horrible, and I have dealt with a lot of collection agencies in the process of dealing with debt.
I have an attorney on this. Can't say more, but will keep you posted if/when something happens. If you do settle with them, get it in writing before you pay them a dime. These people are scum.
I will devote all my free time to exposing these people for the scum sucking leeches that they are. They spend their time preying on the poor and uninformed. You may not have a lot of money, but that doesn't mean you have less of a case. I am for the people who don't have a lot of money or resources. Message me if you have a story about this company.
Grand Rapids, Michigan