My ex wife received a phone call from a person claiming to be a litigator and that I needed to call them at once or they would send an office to my work place. I called them, it was regarding a payday loan with Bayside cash. The original loan amount was 500, I paid a couple hundred on it but could not afford it anymore. This was over a year ago. I have never received any paperwork regarding the bill. Bayside sold it to Pike financial and they cahrged it off. The guy said he represents Northern Resolution Group. I thought it was legit cause I wanted to pay the bill. I set up monthly payments for the balance. 2 days later my back called me and said that someone tried to make 5 purchases and they declined it. I did not make these. After research I thought I was scammed so I had the first payment with ncw billing (the company taking the payments). Now they claim that I need to get something resolved or they would file Bank Fraud charges on me. I have no intentions of committing fraud, and not sure what to do. They told me their office here in town was at a certain address, that address doesn't exist. So I am thinking they are trying to scam me
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.