Has anyone had to deal with these people. I am guessing one of the Payday loans I had, has sent them information because they called me today. I will be calling them back, but just curious if anyone else has information on them?
What should I say to them and should I send them a C&D letter?
I live in california and the couple of payday loans I had are illegal. I stopped paying after I found this out and they have not wanted to work with me. I was just about to send out the C&D letters to the creditors, but then Harbinger called me.
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.