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Sub: #17
Replied on 06-25-2008, 12:29 AM
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What is CIC?


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Sub: #18
Replied on 06-25-2008, 04:11 AM
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CIC is another forum for credit/debt discussion.Since I am not allowed to mention other sites directly by link,I would tell you to use a google search to find them.

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Cajunbulldog
Keeping an eye out for consumers.
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809
http://www.ftc.gov/os/statutes/fcrajump.shtm
http://www.debtconsolidationcare.com.../about216.html
Use this letter to protect your rights under the FDCPA
myfairdebt.com & myfaircredit.com-Good source of case law in forums.

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Sub: #19
Replied on 04-20-2009, 06:51 PM
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Just call, tell them you are using a third party and just need the balance. Be firm and just insist on getting the balance. If they refuse to give it to you, hang up. If the management company is local, call them from their office. But, they should give you the balance, because they want the money.

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Sub: #20 original creditor
Replied on 06-11-2009, 07:08 PM
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can you just contact the original creditor and not deal with the ca



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Send message to Chrys Henderson
Sub: #21
Replied on 06-12-2009, 03:05 AM
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Rarely.

CAs are usually under contract. Some of them rotate CAs every 6 months, so when it comes to the end of the 6 month period, it is sent back to the OC, who will then send it to another CA. You can sometimes tell when it is going to be set back because the CA will escalate collection efforts, including lawsuits.

But it's usually a hat toss.





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* Disclosures:
  • By signing up for counseling session, your provided details (Name, Email ID and Phone No.) will be forwarded to the company advertising on the DebtCC. However, you have no obligation to use their services.
  • Some creditors and collection agencies refuse to lower the pay off amount, interest rate, and fees owed by the consumer.
  • Creditors/collection agencies can make collection calls and file lawsuits against the consumers represented by the debt relief companies.
  • Debt relief services may have a negative impact on the consumer's creditworthiness and his overall debt amount may increase due to the accumulation of extra fees.
  • The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.
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