I have a credit card debt of $935.00 and Niagara Credit Solutions are now the proud owners of my collection file. I spoke to a nice guy to set up monthly payments so I can finally get rid of this debt. The first payment was set to be directly deducted out of my account. A few days after setting this up, I was admitted into the hospital for a miscarriage, my first pregnancy, and have not been in work for a couple of weeks, therefore, i have not received payroll checks which ultimately means that no money is in my account. I called as soon as I got home from the hospital and spoke to the most rude man by the name of "Alex" who stated that there was no way that they could push my payment back a week. I explained that there was not going to be any money in the acct and he said that he could direct me to the local sheriff's office and they could explain what happens to people when they bounce checks cross states. I was in shocked. I explained the situation with the miscarriage and why money was not available and he stated that my child was lucky to get out while he could as its mother was irresponsible and would not be able to afford to feed. he also that I was being a baby about not going to work because miscarriages are not that big of deal. With him being a man, I guess he is right..WHATEVER! I asked to speak to supervisor and he told me to call back and hung up on me. So i called back and got the same guy and he acted like he never spoke to me in the first place and made me explain the situation again. He kept telling me that I needed to calm down when I never raised my voice a notch and was being more nice than I should have been. He then stated that they were going to deduct the money out of my acct regardless, and had I been nice to him, he would have been more pleasant and that I could have gotten my payment pushed back and he told me to have a nice f*cking day and AGAIN hung up on me...Needless to say. I stopped the payment on the check, changed my acct information. I went directly through the original debtor and made arrangements with them instead. These people are ruthless and should not be able to talk to people in the way that they do. Upon researching them, I have came to the conclusion that they are awful to everyone and should be shut down
