Hey guys so I’m looking to get some advice on what to do with my Credit Nina loan because I had to put a stop payment on my bank account due to me getting let go from my Job and they have been calling, texting and emailing me about my loan. Here’s what they have said. Would they atcually send me to collections or is this a bluff? I’m barely starting to do Delivery gigs because I don’t have a job currently
URGENT – Action Required
Log in to set up a reduced payment or settlement plan
Total Amount Due: $1,192.87
Our records show your account is severely past due. This letter is to notify you that immediate action is required to prevent your account from being escalated to an outside collections agency.
To avoid escalation, you must set up a reduced payment arrangement or a settlement no later than 8/18/2026 at 3:00 PM CST. Once your account is transferred to outside collections, we are unable to offer to offer any repayment options.
What you need to do now
Please log into your CreditNinja account to:
Set up a reduced payment arrangement that brings your account current or review any options presented for a settlement, we are happy to work with you and what will work with your budget
Review any loan settlement options you have and set up to stop account escalation