a collector called me last week from a restricted number finally left a message says that I owe a bill on a credit card that was opened in 2003 and closed in 2010 has not send me information and I called all 3 credit reports and there is nothing on the 3 reports with the last 4 numbers he gave me I paid a credit card we owed 8 years ago and over a year ago I paid another that we owed I was not aware about anything else in the amount he is saying I owe he has threated me with taking my wages and taking me to court yet has not send me any information don't know what to do
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.