At this point I would
suggesting serving them with requests for the same documentation that
they have or have yet to provide during discovery. If they fail to
provide you with the documentation they would not be able to show cause
for their suit and you can motion for it to be dismissed with
As to why they cannot provide it, perhaps they purchased the debt from
Capital One or another debt buyer and at times they may not have much to
go on, or maybe the fees they tacked on are outside of legally
acceptable standards and don't want you to know about
By signing up a debt 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 payoff 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.