Hello. My name is XXXX. I took out a payday loan through a company called XXXX. I went through a company called XXXX XXXX to mediate a settlement and they took money out of my account for 7 months and it was to go into an escrow account. Needless to say I paid for services I never received and they are no longer in business. Long story short I took out a loan for {$3400.00} on XXXX/XXXX/13 I mad a total of 12 payments for a total of {$3200.00} and I tried to mediate a settlement through XXXX XXXX. Now I am being bombarded with phone calls from XXXX XXXX XXXX ( XXXX ) XXXX. The interest is extremely high and at the end of the day 13 payments later I would have paid {$7100.00} with interest being {$3700.00}. Do you represent this type of cases? Do I need an attorney? Is there room for compromise? These people are trying to serve me papers, there is a person that text me and when you call back there is a lot of threats, as well as from the phone calls. They have turned it into collections of which has been recorded on my credit report. It 's a night mare. Please advise if you could help me and what fee 's will be. Thank you, XXXX 
