This was a rather strongly worded validation letter I used to have in my signature. I'm rewriting it for better structure/grammar. Be sure to send the letter certified mail, return receipt requested.
The green card you receive in the mail is your proof that the letter was received. During this time they are required to cease collection activity until they provide you with validation. Also be sure to send the enclosure with the validation letter.
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.