I need some assistance/advice regarding a phone call I received today. Before the question, I will give a little background about my financial situation. Over the last couple of years due to some unforeseen family medical situation, I have defaulted on some of my credit cards. However, I have contacted most of them and set up payments plans/reduced payments with them. However, today I received a phone call on my cell. The number displayed as ‘UNKNOWN’. I didn’t pick up the phone and let it go to voice mail. Later I checked the voice mail and it stated that it is Alex calling to letting me know that a certain case (it gave a case number) is ready to be discharged and file to my local county office. That this is as per law they are letting me know. It gave me a phone number (8443247434 ext-305) of the litigation office to call. It further stated that if I do not call and they file the case then I will legally forfeit all my rights. They didn’t give me who he is calling for or what the case is about. I googled the number but nothing came up with the phone number. My question is if it is a real call and should call the number to check?
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.
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The amount which the consumer saves with the use of debt relief services can be regarded as taxable income.