I'm a little confused here. I dealt with an Alliance One agent recently, and she was really quite pleasant. We settled an old debt of mine rather quickly and quietly. As far as other agencies go however, there was this one fellow from MJR who was really quite rude. He said things like how I was a deadbeat just as my father before me. I dealt with him swiftly, and the MJR never tried to contact me again.
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.