The story starts when I got a cell phone for Christmas. Its to be expected that Id get calls looking for the last owner of the number. Friends and business contacts of this girl (christy) seemed to understand and wouldnt call again. However ex-boyfriends(I assume) were slightly more annoying to stop calls from, Slayer songs on voice mail seemed to help.
So now after 3 months of telling people they have the wrong number the only ones still calling are 702-804-8484, it comes up as an unknown number and they have never left a message. If I answer they ask for christy, and when I tell them they have the wrong number they hang up without a word. But usually call back the next day. Obviously this isnt a serious situation, I wont get bad credit from it , and if I dont want to use up minutes I can just ignore the call every time I see the number. But Im the sort of person who doesnt like to lose control over anything....ever.
When asked who is calling they just say student loan collections then ask if they will be able to speak with christy or if I know her (like its me whos wasting their time). Once they realize theyre talking to the wrong person they hang up.....but never take my number off their call lists. Which leaves me very few options, no company name and an unlisted phone number. Through my mastery of the internet ( and google) I was able to find some info, but none of it is solid or easily conformable.
So far Ive gathered that the people trying to collect are Sallie Mae, and the letters wcc kept coming up. Which someone has pointed out most likely stands for wilshire credit corporation. The companies seem to be very much against open communication with anyone (debtor or not) and their websites dont help at all. The only contact info are fax numbers for clients to use.
Basically Id like the phone calls to stop without having to give my left arm, or any personal information (most identity theft cases are caused by inept corporations).
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.