I was advised by my children to get a copy of my credit report since I had been in a Physical Rehab Center for over 1 year. I finally gave in and saw things that I never heard of and knew about. I have over 549 items on the three reports. I have been able to file id theft reports with over 50 police departments. I have filed also with the Federal Government. I have found out I have over 120 judgements against me in 30 states. I have had to get my cousin, an attorney, to tell me what to write and who to send it to. I have been successful in getting 80 judgements taken off by proving to them that it was not me. It has taken me over 1 year to get this far. I never believed it could happen to someone who had credit that was not that good. I have learned my lesson and have become very educated in the process you have to go thru. Any assistance from anyone I take.
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.