Could someone pm me who has had experience dealing with a "lawyer" in Texas by the name of Frederick D. Kelly. I have seen some information on this site on him and I know he has an unsatisfactory rating with the BBB (I can understand that one!!) but I need to have contact with someone who has had dealings with him and what the outcome has been.
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.