Everyone always asks about how to get rid of harassing phone calls. My solution, BLOCK them. I used an ap on my droid, called "mr. number" but there are numerous ones out there. I have it set to block all toll free numbers, then all unknown numbers come across and either i can answer it, then block if i want or ignore it and it's blocked.
My phone barely rings except for ppl that know me. I have it set to answer the call and hang up, rather than go to voicemail, this way they dont even know if they have the right number.
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.