It's been a while. I came here looking for advice on my credit dilema I found myself in a little over a year ago. I recieved a lot of great advice here and finally won my battle and got the tax lien removed from my credit reports. I just wanted to say thanks to all who helped me out and I will try to make it around more often to continue to try to help others as I have been helped in the past.
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.