Settle It Inc.

I keep getting scammed by a debt collector and I don’t know how to make them stop Location: Florida I took out a loan to fix my car through Easy Pay leasing in September of 2024. The contract stated that if I do not pay off the loan by a specific date I would be hit with a fee that was like $500 more than my original loan amount. I put on auto payments to make sure I paid it off. 3 weeks after I took out the loan I paid off the loan. They then contact me months later to say I owe them money. They said that when you make a big payment, auto payments are disabled. It is not listed in my contract but they said it was policy. It’s not on their website either. Well apparently I owed like $2 by the due date due to a fee that was not listed on the page that showed what I owed and the $2 was not auto taken out like it should have been. That $2 resulted in me owing them $500 more than I even was loaned. Then after fighting it it was sent to a debt collector. I gave up and just paid the full amount with the debt collector on August 29 2025. The payment posted on September 2nd 2025. Now in May of 2026 Easy pay contacts me to say I never paid the debt. My bank statements show I paid the debt. The lady I spoke to then said she can see my account balance is supposed to be $0 and that I did pay off the debt. She promised to send me proof that my account is settled. She never did. Now it says I still owe them money and they’re sending me offers to settle it that are a little lower. I will not pay this. I will not pay a total of $1960 for a $320 loan I’ve paid off repeatedly now. What can I do to make sure this stops? This is sketchy and I can’t deal with them ever again. I don’t have unlimited money to keep paying them. I don’t want to be penalized for something I did pay last year. What legal action can I do that would be worth the time and money.

Alleged debt 23 years ago? Is this legit? A family member got a call basically saying he stopped paying on a credit card 23 years ago and they want to help settle the debt. He does not remember this alleged credit card and it wouldn’t be like him to stop paying. This company cannot provide us any proof because it’s “past collections” and something about the collection agency hiring his company to settle it before it going to court, which is the very next step. This person that called had all of my family members personal information and even gave out his full SSN over the phone to confirm it was about my family member. We read the statue of limitation in our state is 10 years. So even if this was a legit credit card that he stopped paying can they actually go after him after 23 years? They said if it goes to court that is when they can release all of the “proof” like the transactions, account number of the card etc. There have never been any phone calls or letters in the mail prior to this. They have even sold a house and purchased a new one within the last 10 years so this didn’t show up on credit checks. The company said it wouldn’t show up anymore on his credit report. They claim the CC balance at the time was roughly $1500, they will settle for $2500 but if it goes to court then the amount owed will be $7000. When we got the voicemail it sounded like a scam. They said they had a case number and were getting ready to prepare to mail him documents and if they couldn’t reach him at his house, they would send it to his employer. The only reason we called back is because the next day they called his son with the same exact voicemail trying to get a hold of my family member. Please give us your thoughts of if you have gone through this.

Texas - Public Storage sent me to collections after I vacated due to a cockroach infestation. What are my rights / how do I protect my credit? Location: Houston, TX! I rented a unit from Public Storage and had been a consistent, on-time customer. Near the end of December, I discovered the unit had become heavily infested with cockroaches (live roaches, egg casings, etc.). I have photos/videos documenting this. The condition was so bad that I immediately arranged to have my husabnd & movers to remove my belongings because the unit was not usable for storage anymore. Before January rent was due, I verbally informed the property manager in the office about the infestation and that I was vacating because of it. I returned around January 6th or 7th only to make sure all belongings were removed and to sweep the unit so I wouldn’t get charged a cleaning fee. I was out of town at the time for New Year's. & they charge rent Jan 1st. They say that they have record of me accessing the unit after Jan 1st with my code (me literally sweeping out the unit) Despite this, Public Storage charged me January rent + a late fee totaling about $242. After seeing the charge, I formally disputed it by email to corporate/customer care (as recommended by the property manager I called) on January 9th. In the email, I explained the infestation, that the unit was unusable, that I had already vacated, and requested that the charges be removed and the account closed at zero balance. I followed up again about a week later. I never received any response. Now months later, the debt has apparently been sent to collections, and I’ve started receiving collection texts/calls saying Public Storage is willing to accept a reduced amount to resolve the debt. My main concern is my credit score. I’m not trying to sue over damaged property or anything like that. I just don’t think I should owe rent for a unit that became unusable due to infestation, especially after I vacated and formally disputed the cha

Hit by uninsured driver. Location: Arkansas, United States. Hello, Idk how to proceed. I was hit (small fender bender) while I was parked. I got it on dash cam. They confirmed it was their fault. They had no insurance at the time. I don't have the money to repair. We were told to settle it outside of insurance to which he hasn't paid what he agreed. We were told if we file this with insurance (we can't afford deductable) then our rate goes up, which is really not something we can handle. I found him online with multiple no insurance tickets. Am I shit out of luck? Location: Arkansas, United states

Received a voicemail from 3149360097 saying they were preparing package to be delivered and if I wanted to stop/handle it to call 9517854832. I called the number and was told that I was going to be served for a lawsuit alleging fraud but I could settle it over the phone for $2107.00. I said if they would send me a document stating settlement I would pay it on arrival. They said that wasnt an option. So I checked my states site to see if a law suit has been filed and nothing showed up. When i told the lady I dont see a lawsuit she hung up [BBB Scam Type: Phishing] [Business: Frazier Legal Services] [Location: MO, USA - 63385]

THIS IS THE LAST AND FINAL CHANCE FOR YOU .On March 8, 2024, we already provided you a warning notification regarding legal procedures, but you did not reply by the deadline. We will file this lawsuit in court if you don't reply within the next four hours. Take this as a last caution. We will make sure your current employer takes stern action against you by emailing or faxing them about this matter. Wages and or salary will be withheld. Take this as a last caution If you would like to avoid these legal ramifications and establish a payment plan right now, please get in touch with us again; if not, we will take legal action against you. We regret that your present employer will also receive this letter. The time to complete this voluntary work is rapidly running out. Before this gets to the next stage, which is a lawsuit brought against you, you will no longer have the chance to settle it. Thus, you need to act right away. We will be obliged to take legal action against you. After it is filed, the creditor is free to notify your employer and references about the situation to the Credit Bureau. The next step will be a lawsuit that will cost $6300.00 and be entirely imposed on you, not including legal fees. We will release the court's clearance certificate and ensure that no one gets in touch with you in the future if you can handle this outside of court. [BBB Scam Type: Debt Collections] [Business: ATA LAW GROUP LLP 2007 Virginia Ave #251 Atlanta GA 30354] [Location: TN, USA - 37115]

Trying to access my late mom’s storage unit with childhood photos, owner won’t respond. Debt grew to $13k with no auction. What are my rights? (Ontario) Location: Ontario, Canada. My mom got a storage unit about 10 years ago when she and my dad split. She wasn’t in a great place financially and fell behind on payments. The owner never followed up, never auctioned the unit, and just let interest pile up. It’s now something like $13,000. At one point years ago, my mom and the owner had a deal to start a payment plan, but the owner didn’t follow through on that. There’s nothing of real value in the unit. It’s all personal stuff. My childhood things, toys, a lot of photos, that kind of thing. My mom (53) was diagnosed with terminal cancer last year. One thing I really wanted to do for her was get into that unit and go through those photos together. She would’ve been so happy knowing I was able to save those pieces of our past. I reached out to the owner, explained the situation, and offered a few thousand to settle it. I told her my mom had maybe a month to live and that this really mattered to me. No response. I did get through to someone at the office, but they said I had to speak directly to the owner and gave me her number. I reached out again. Still nothing. I don’t know what to do at this point. It doesn’t make sense to me that the debt was allowed to grow this long without action. I assumed it would’ve been auctioned years ago. I’ve also seen reviews saying this place has been mismanaged for a while. Do I have any legal rights here as next of kin? Or is this basically a situation where I’m on the hook for the full $13,000?

Consumer law advice Location: Minnesota. I had a $90 bill that I forgot about. About two weeks ago, I received a text from a debt collector offering to settle it for half, and I was planning to pay it. Today, I got a text from a different company saying the amount is now almost $1,500. I have screenshots of both messages, and when I looked up the numbers, Google shows they’re both legitimate collection companies. On my credit report, the debt still shows the original $90 amount. I also checked court records under my name and found nothing. Is this something worth contacting an attorney over? I feel kinda stupid talking about contacting a attorney, but I’d hate to see them try this on other people. Thanks for any input.

Tire Change Service failure at a major Retailer I’m dealing with a tire service failure from a major warehouse club and I’m not sure what my legal options are. Location is Ontario, Canada. So back in November 2025, I took my car in for seasonal tire changeover from all-season to winter tires. The service record said “tires mounted on rims only” and I paid for the installation service. I left thinking my winter tires were installed. Here’s the problem: I drove for FIVE MONTHS (November 2025 through April 2026) on all-season tires through a harsh Ontario winter without knowing the service didn’t get completed. Then in January 2026, I had unexpected tire pressure loss while driving, which I didn’t really think much about at the time. When I went back to the tire center in April for spring changeover, they told me my car still had all-season tires on it. The winter tires were never installed. They gave me a refund of $56.45 for the labor. Let me lay out what happened: \- Service failure date: November 12, 2025 \- I found out: April 19, 2026 (5 months later) \- I drove about 5,000 km on unsuitable tires during winter conditions \- Tire pressure loss incident in January 2026 \- I have a 4-year-old child who was in the vehicle with me during all this winter driving \- Refund received: $56.45 I talked to a tire specialist about this and they basically said driving all-season tires in winter is a safety issue. All-season tires aren’t designed for winter—they lack the proper compound and tread design for ice, snow, and extreme cold. They said prolonged winter use causes accelerated tread wear and reduced grip, which increases braking distance. The tire pressure loss I had in January is a sign the tires were stressed from being used outside their design parameters. They confirmed that 5 months of winter driving on unsuitable tires causes measurable, permanent damage. What makes this worse is I have a 4-year-old child. I was unknowingly driving my kid on unsuitable

You provided an incorrect address and did not respond to multiple attempts to confirm prior to the appointment. I arrived at the listed location, found it closed, and was then forced into meeting elsewhere last minute, which was unacceptable. Despite this, I asked to amicably settle it by meeting in the middle and returning a portion of the cost ($50 not $100). No services were rendered, yet you refused to offer even a partial refund. Her previous manager mentioned there is an ongoing investigation as she’s being sued for no payment and evading, and doing services elsewhere. Manager mentioned a similar experience happened to another client just hours before I arrived. It is evident that this individual is a known scammer/scamming business. [BBB Scam Type: Online Purchase] [Business: Shae Styles Co] [Location: MN, USA - 55403]