I have a collection from AT&T. I am trying to pay if off with the original creditor (as they did not actually sell the debt). But they will not ensure me that the collection will drop off or be deleted. They said they would be pulling the account from collection so that I could pay them. Which sounded to me like it meant that it would not be showing up anymore as a collection if they were pulling it. However, they said not necessarily and that it is up to the collector what they do- that it might come off or it might just be reported as paid in full. I need this to be completely taken off if I pay it. I don't understand! If this is someone they hired to collect and now we are resolving it between us, then why would they NOT be able to tell this collector to remove it? Any suggestions on what else I can do? OR do you think I should take my chance? Do I have a pretty good chance of it coming off completely once they pull it back?
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.