Well I am having a time trying to get any kind of information on stcadvance.com. Well today, I decided to call the customer service number. A woman answered the phone and I tried to get the physical address and of course she said Malta. (By the way, her english was better than mine:) ) But that don't prove much. I then said well I was referred by a friend and I was wondering if I could apply for a loan. She was really rude and stated no-we don't take referrals. I said " so that means I can take a loan with your company?" She said "no you can't" Then I said well can I go on the website, she said again " I said you cannot get a loan" These people are nuts!
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.