It gives me great pleasure to inform you all that Bingonut's answer in QOM Contest No .69 (What are some of the most romantic ways to have a DIY Valentine's Day in 2014?) has been voted as the best answer for the month of February 2014.
Congratulations bingonut :)
You can check out the winner answer here:
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.