I got a message yesterday to call Joseph Mann and Creed. After reading about them on here, it appears they have a pretty unscrupulous operation. I also read they collect primarily for internet gambling debts? I have never gambled online in my life. So, it cannot be for that. I have worked very hard to get my credit cleaned up so not sure what else I have out there if anything. There may be a couple of very old debts from 7 or 8 years ago. Do I even call them back? I read on here that when you call them back, they get very nasty. Advice??
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.