Received my first response back about a half hour after I sent them an email.
"Please be aware that this is a St. Vincent company, St Vincent and the United States are both parties to the General Agreement on Trade in Services, a treaty which specifically permits companies in one country to make consumer loans to citizens of the other.
Under the treaty, we are only obligated to follow the federal laws of the United States. We are not required to obtain state licenses and individual state laws do not apply since the federal laws adopting this treaty supersede any state's laws on the subject."
They also wrote
"In case you do not have a checking account available the only option we can offer is to set a payment in full with a credit card; however, this type of transaction has a $5.00 additional charge. This type of transactions can be made only over the phone.
Please be aware that we do not accept physical payments and the only option we offer is an ACH Transaction. However, if you do not have this option available any longer, we could set a payment in full with a credit card as a very special exception; nonetheless, this transaction has a $5.00 additional charge. Do note that a credit card payment can be made only over the phone.
In addition, let us remind you that we cannot skip, move or change your due dates If by any chance we get a default from your bank, our Recovery Department will contact you and they will guide you to set a new payment arrangement."
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.