We took a loan from One-Click in January. At this point we owe only 50.00, following the great advice in this forum. They called today, my husband explained to them that these loans are not legitimate in CT, we owe only the principal and with everything we have paid, we owe them 50.00 now, and could they send us an address to remit payment? The man replied "We don't do business in CT." which is a ridiculous answer. Then he said we owe 700.00 or go to collections. Any advice? Thanks for this terrific forum.
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.