I have a situation. Palisades Collection, LLC has been contacting me for the last few months about some mystery debt I owe to ATT Wireless. Based on some advice (from this forum) I sent them a letter to verify my debt. A few weeks after that letter they removed their entry from my CR. A few months later they sent me a bunch of papers that look like a bill from ATT and I now see a new entry on my credit report for a derogatory acct. The "bill" that they sent me looks nothing like an ATT wireless bill, but rather something that they created themselves, BUT it has phone records on the bill that I recognize. I attempted to contact ATT (formally cingular)and they told me that they cannot go into their old system and pull up my records AT ALL. "The system has been removed". If I can't get any proof from ATT then how do I get rid of this collection agency. It's my word against theirs! Please HELP!!
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.