I got a call in late December from Javitch Block and Rathbone out of Cleveland in regards to a JC Penney accoutn with a balance of 1517.00. I have since joined a credit counseling program and have made two payments but they were not included as she told me they would not accept it at this law office so I set up a payment arrangement of 130 each month. I mailed a payment in January and they called me today to say the never got it and they are sueing me now unless I pay it in full I tol them I couldnt and now I wonder what I can do. What will this law suit do, do police come to the door? I wonder if I took payments directly into JC Penney would matter?
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.