I just received a summons from Rubin and rothman to appear in court within 20 days, they are representing Midland Funding for an old Spiegal account. I don't know what to do and I am very scared. I am involved now witha debt consolidation program but they told me they can't do anything till they start contacting the creditors, I just enrolled. I know I owe on this account and I even called up Midland Funding and they couldn't help me, they just gave me the number for R &R. Is there any way of getting out of this or can I contact R & R. Please help.
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.