Help Please. I had an account with Cap 1. In August received letter from Forster and Garbus with amount I owed ($1115) and I began making the payments. Have now paid them $1120 and they sent me letter stating that I now owe another $520. I called and asked for explanation they say it is for costs of filing with court. She claims that i was served with a summon on Oct. 15th (I never got anything). I asked her so when is the court date because I want to show up. She said when I respond to the summons I will get a court date. I said that's not true I have 20 days to respond etc. and I obviously couldn't have responded to a summons that I did not get. She claims that she mailed a copy of the summons and I said I didn't get it so I could not have responded. I asked for an accounting of exactly what the $520 is for and she said she could get that for me. She claims that she called my house and spoke to my friend (very interesting as the only number they have is for my cell phone and even if they had my house phone I don't ever have anyone else over and it is just me and my kids -- unless my dog answered the phone). She claims that she calls all the time and leaves messages which the number they have is for my cell and all calls are itemized and so I know she's lying. She claims all these things have been mailed and reads back my address but I never received any of them. Only the original letter and the one for $520. If they really did serve a summons wouldn't it have gone to court already?
My intention has always been to pay off all these bills that were left from divorce but I don't want to be taken in either. I live in New York.
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.