I was a victom of id theft. I need to know if I owe a credit card balance and it over 10 years and they where included in my bankruptcy but never filed the debt with my bankruptcy and now they want me to pay in full (cash only). I don't even have money for food and this debt is 10 years old. What can I do about this I thought if they fail to file on my bankruptcy they are s.o.l.
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.