I have been off the forum for a year and a half because I have just been overwhelmed and feeling like nothing would help me ... my husband and I have been having major problems, I had a bad car accident and needed surgery, I lost my job, tried a new job that I hated, so now have been jobhunting for almost 6 months. All of my credit cards have not been paid for 6 months, my mortgages are both over 2 months late, and I feel like I am drowning. Because of my marital problems I don't want to sell the rental house in the other state because I might need to move into it, but every day that goes by we get further and further behind. If ONE part of my life was okay it would be different, I am normally a pretty positive, happy person, but I am at the end of my rope right now. Sorry to be depressing but I am hoping that coming back to the forum and trying to respark my life will help drag me out of this hole. A job would help ha ha ha.:neutral:
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.