Cash Transfer Centers I got caught up in the mess of a foreign PDL Malta Internet

I have read other reports about this company on this site, and I am sickened that this kind of thing is allowed in the United States. I have a loan out with Cash Transfer Centers, and like so many others, I'm trying to make arrangements to pay them back, but not through my checking account. I had to close my other account so that it the double debits (from Northway) couldn't go through. The amounts were returned back to CTC, and they tried for over a week to get a hold of me.
I got in contact with them prior to closing my account to let them know that the funds would not be available in my account, and to see if I could make other arrangements. They were not willing to work with me on any arrangement, and I notice that is something I've noticed on this site. With NSF fees, I currently owe CTC $439.

I have other bills to pay, which I tried to explain to them, but they weren't listening. Every time I called their customer care, I would be on hold for at least 30 minutes, and every time I got someone I couldn't understand. I have been bounced around from Customer Care, to Customer Relations, to Payment Services, and haven't had any satisfaction.

They wanted me to make arrangements to pay the full amount on Friday (10/19) but I simply can't neglect my other bills. The woman I spoke with, Pearl Lee, told me that I signed a wage assignment, which I have no recollection of doing. She said that they can get with my employer and tell them to 'garnish' my wages. I know that since I didn't physically sign this document, and it was done digitally, that it's technically not binding. I'm sure that with most other states, there is a formal precident for a creditor persuing to collect on a debt, but if it's not done so through a judge, it's illegal.

I have been made aware that CTC/Northway is running illegally in the United States, and that fact just makes me sick to my stomach. I want to get these people off of my back, ASAP. I have sent an email to my payroll department, letting them know that they are honestly not obligated to do anything with regard to paying CTC, and whatsmore, I'm in the process of sending a letter to CTC revoking the wage assignment and ACH privileges.
I have done everything I can think of at this point. Is there something else I should be looking into? Please advise.
Thank you.

Amenda
Huntsville, Alabama
U.S.A.