So, it's been an almost three year battle with me filing bankruptcy - pro se, no less - and I finally filed in January and managed to make it through all the paperwork, forms, notarizations and classes on my own. I live in NJ and they have a VCIS (Voice Case Information System), where you can call to get automated information on a case and its status.
According to the VCIS my case was discharged yesterday, on April 30! I know for some people that's not going to mean much, but for me that's huge - I had nearly $50,000 in debt - mostly credit cards.
I learned my lesson and now I only buy what I can afford with my debit card, and only if it fits into my budget.
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.