Hey all. It's been quite a while but honestly my homelife was just plain crazy. I have done absolutely NO credit repair in the last few years and just didn't have the time for it, let alone the time to come on and help out as much as I would have liked. I did goto school for consumer law, but after a few semesters I realized that we just couldn't make it on my hubby's salary, not for the handful of years school would take....so I decided to change my path a bit...I went into the academy and became a correctional officer (prison guard). I am a CO II at a maximum security prison and let me tell you...it is an eye opening experience!
Ironically...I have some time now....got hurt at work and now am on workman's comp and can't walk very well, I have physical therapy 3 days a week. But I have decided to go back to fixing our credit reports (now a lot of it is pretty dang old!) I figure since I am going to spend some time working on this, I will come back here and help out where I can and chronicle my fight with the debt collectors (am rolling up my sleeves as I type this).;)
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.