I filed bankruptcy 6 yrs ago and at the advise of the attorney i sent an affirmation letter to my mortgage(which was not listed in the bankruptcy) Unknown to me they never received it and for the past 6 yrs i have not had any of my mortgage payments reported to credit bureau. Trying to refinance and my credit sucks because of this. Is there anything I can do at this point?
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.