I have sent a debt validation letter to the collection agency located in Santa Paula, California. The collection agency didn't give a response in the first 30 days. Thereafter, I sent a follow-up validation letter to the CA. The CA didn't give a response within the next 30 days also. Then all of a sudden, I received a bunch of statements from the OC. Can I ask the credit bureaus to remove the listing since the response from the credit bureaus came after 60 days? Moreover, the response came from the OC but not the collection agency.
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.