Someone from focus recievables kept calling my house, asking for my husband on the machine so I called back. They told me that he had a $945 cell phone bill from a while back and wanted me to settle it. I told them I could make small payments to take care of it, but thats all I could do. However, the lady was very rude and laughed at me, she told me that I just needed to plan to talk to a lawyer, and she hung up on me. My husband was very angry that they had told me about this account and he tried to call back the next and no one would connect him with anyone. What do we do? Any advise would be greatly appreciated.
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.