I have had 2 IPDL referred to CA of which I sent S&D letters and have never heard back from either the IPDL nor the CA. I have attempted to send money to IPDL to pay on principal but those have been returned. Haven't checked Credit report but am guessing they have reported it to them. From what i have read I should dispute them and have them removed due to their illegality ?
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.