So, I get a call on my cell from 1-222-222-2222...got back and listen to the voice mail and its NCO!
They have been calling me from various phone numbers here and there, and no written notice from them as required by the fdcpa within 5-days of the first call.
I am sending them a DV letter tomorrow, but did I also read someplace on here that per FDCPA CA's must use their real phone numbers when calling? Someone let me know so I can include that in my letter too.
Also, the automated message didnt give my name or anything, but said that they were "NCO and they needed to let me know that they are a debt collector".
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.