Are these calls coming form the CC companies in-house collection department or a 3rd party collection agency? If it is the CC's own in-house collections, they are not required to give you the mini-miranda. What state do you live in? There are some states that have a mirror to the fdcpa with concern to OC's.
No matter what, remember, this is a CIVIL matter and NOT a criminal one. The CC company that is currently threatening me is telling me that I have got it all wrong and that debt is a criminal offense. Well, guess I'm off to the mythical debtor's prison!
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.