What are some of the things you guys did to get a refund of overpaid charges from some of these companies?
The companies I am currently trying not to deal with are:
Bottom line, they owe me (according to Washington State Law anyway). I'm not paying them another dime.
I really hope they break more laws, especially the Fair Debt Collections Act. I really really hope they break those laws. I'm looking forward to it.
Any advice would be greatly appreciated. Also, I've done a little research, but haven't found what I'm looking for, does anyone know, in order to file suit against these companies, do you have to file in the county/state where they are located? Wouldn't it be nice to get a judgement against them, and sell it to a collection agency when they didn't pay? Hahahah. That would be awesome!! Maybe they would have to get some illegal payday loans to pay me back!!!
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.