I received a voicemail threatening me with being served with a summons if I did not return the phone call. The agency is an outfit called SKW capital who apparently received the debt from NCA. Needless to say, I did call back and speak with them. I informed them that I had recently made a payment online to NCA towards a settlement on an old payday loan $200). I was told that was too late and I needed to make immediate arrangements with them or I would have to appear in court and pay a $2600.00 fine for writing a bad check. Have I just been fleeced or can I sent them a DV letter and C&D? Thanks!
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.