I know this may sound mundane but having been going through
all of this PDL mess has made me go back to the basics of
balancing my check book the old fashioned way with a pen and
simple arithmatic.I had been using on line banking for many years
but I got complacent and simply used the balance in the computer to tell me how much money I had in my checking account.However once I got into the PDL mess I had to close my bank account and start over with a new bank which gave
me the opportunity to go back to the basics again.I still have a
long way to go with my own PDL mess but being persistant
and not letting anyone ach my bank account and
adding and deducting every little charge or credit has also helped.
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.