I have been dealing with a Chase cc debt with Vikings Collection, but they insisted on a lump sum I can't come up with. Many of the forum users suggested me writing to Chase directly, which I did, but only to their PO address on the back of the cc. Haven't heard from them yet and would like to send a certified mail again, but it is almost close to impossible to find that Dept.'s mailling address (not PO). Does anyone know who should I write to??
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.