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.
Contact the collection agency and describe the actual case. Mention your full name, something unique must be there, I guess. Try to attract their attention towards your DOB.
Also keep on watching your credit report frequently. If they report these charge off accounts in your name, it might hurt your score and you have to dispute it immediately.
Sub: #51 posted on Fri, 09/30/2005 - 12:594u.bryan
(Posts: 819 | Credits: )
Sub: #52 posted on Fri, 09/30/2005 - 13:03Unregistered
Sub: #53 posted on Thu, 10/06/2005 - 14:29Unregistered
Are you the co-signer of your daughter's account? collection agencies can contact co-signers to collect the due amount. They are also allowed to call debtor's relatives to confirm the contact details of the debtor.
You can refer the agency to your daughter's present address, so that they can get in touch with the right person.
Sub: #54 posted on Thu, 10/06/2005 - 14:534u.bryan
(Posts: 819 | Credits: )
Explaining the situation that they are contacting the wrong person, you can send them a cease and desist letter. They are legally forced to stop all collection efforts. Send your letter through certified mail with return receipt requested. It will serve as a valid proof and you can take actions if they don't abide by it.
Sub: #55 posted on Thu, 10/06/2005 - 15:45ben
(Posts: 2034 | Credits: )
Sub: #56 posted on Tue, 10/11/2005 - 15:46Unregistered
Sub: #57 posted on Thu, 10/13/2005 - 08:55Unregistered
I agree with Robert, if they call, don't even bother calling back. It takes no effort to delete their stupid messages.
Sub: #58 posted on Thu, 10/13/2005 - 08:55Unregistered
Ruthless immoral company who call family members of people with sketchy credit and demand payment. The claim there is a debt that needs to be paid when there is none.
Sub: #59 posted on Wed, 10/19/2005 - 04:58Unregistered
Sub: #60 posted on Thu, 10/20/2005 - 08:17Unregistered