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.
Sub: #71 posted on Wed, 11/23/2005 - 08:56Unregistered
As for them calling your ralatives, etc. my guess is that they do it INTENTIONALLY to try to embarrass you into paying them. "Oh my gosh, Harvey! They called Mom! If we don't pay, EVERYONE'S gonna know!!!"
These people are scum, and should be treated acordingly
Sub: #72 posted on Wed, 11/23/2005 - 09:55Unregistered
Do pick up a cease and desist letter from this forum and send it to their company address. They are required to stop calling you after receiving your letter. If they continue, you are in charge of filing a class action lawsuit. Send your letter certified with return receipt requested.
Have a look at this thread:
Sub: #73 posted on Wed, 11/23/2005 - 12:11ben
(Posts: 2034 | Credits: )
Lisa Craven is not a real name.
Lyn Trainer come on, that is not a real name.
These are noms de guerre.
Sub: #74 posted on Tue, 11/29/2005 - 06:05Unregistered
no that does not happen. they can get a judgement.
they have to collect. the cost of debt plus legal
will be $ 30,000. great. find a vein.
just their job to keep you on the phone.
you call back. tape to call. wait for them to
tell you a mis-statement of Fair credit reporting act.
and call your attorney. call the ftc. let the govt.
or your attorney handle it.
Sub: #75 posted on Tue, 11/29/2005 - 06:13Unregistered
Sub: #76 posted on Wed, 11/30/2005 - 16:06Unregistered
Welcome to the forums.
Have you including the bills of ACS in the consolidation program? If so, it is the responsibility of the consolidation company to negotiate with ACS and thus, you are not supposed to get any calls requesting payments.
Talk to the consultant and he will let you know about your next move.
Sub: #77 posted on Wed, 11/30/2005 - 16:12roxette
(Posts: 4009 | Credits: )
email address made inactive as per forum rules - Vikas
Sub: #78 posted on Wed, 11/30/2005 - 18:54Unregistered
Sub: #79 posted on Fri, 12/16/2005 - 06:39Unregistered
Click the link below and get the mailing address of Academy Collection Service-
Probably they are calling you for collecting some unpaid accounts. You can definitely tell them not to call your cell. Tell them that you would like to be contacted through mails. Send your letter through certified mail with return receipt requested.
Please browse this forum as it will help you to handle this situation.
Sub: #80 posted on Fri, 12/16/2005 - 10:044u.bryan
(Posts: 819 | Credits: )