So unfortunately I had a student checking account with both Bank of America and BB&T. As a result of pure irresponsibility on my behalf the accounts were closed by both banks for overdraft amounts. I never purchased checks nor was I involved in any identity theft/fraud. However I am now on the infamous ChexSystems (I am also searching for a way to find out about EWS if that even applies to me) and it is EXTREMELY difficult in opening a second chance account. I have searched this forum pertaining to the Wells Fargo Opportunity package and so far it's not seeming like the route to travel...But I would appreciate more recent customer experiences with the Opportunity account. I am also searching for someone who has experience with the BBVA Compass Basic Checking account which is a new second chance account for people on chex systems that only requires a $25 initial deposit BUT comes with an $11.95 monthly charge as well. My only options right now are Wells Fargo and BBVA Compass, whom are both in the city of where I live, so if you could please offer any feedback/experiences!!
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.