When I first found this site last year, I was up to my neck in illegal pdl mess!! I was then jaydanielle1, you can read up on my situations!!!
Well I am happy to say that I am now almost totally out of all of them, when I started I had 11, now I am down to 1 and I know that I could have never done it without the help of this board, people like Goudah, Roxy, Cannr, and others were heaven sent, and I just want to say thank you soooooo much, I am forever grateful for all that you have done for me..
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.