I previously had a lease with two roommates, about four years ago. I filed bankruptcy in October 2009. We owe approximately $2000 in damages at the apartment we shared, but I wrote these charges off in my bankruptcy. I was contacted by one of the former roommates, saying that she is being harrassed by a collections agency. What should I do? I know that by filing, I have no legal obligation to this matter. I live paycheck to paycheck now, but have no debt. Is it morally correct for me to help her with this debt? I can't tell her about my bankruptcy, she is not the type of person I can trust to be discreet, or civil.
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.