I do not know whether this is the right place. I have been experiencing harassment from a collection agency. I have told them not to call me at 10 in the night since I do not stay up that late. But they keep on calling me. I have also asked them to give e certain amount as at this moment I can;t repay the debts in full.
Then on advice from Katherine, my friend, I filed a complaint with the FDCPA. However, harassment hasn't stopped totally.
I know that they have received the letter from the FDCPA.
Now, can I do anything else?
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.