I got a call from BRN/Hartford and Associates regarding a PDL on 2005 from USA Payday. I wanted to set up a payment plan but was told no because the account was closed and the payment was returned to USA payday unpaid. She also said that because I have not paid on this loan in 3 years that it will be turned over to the Sheriffs Office in MD where I live and I could go to jail unless I send them $317 by 5pm today. What do I do. I'm scared to death and don't want to go to jail. Please help me with this.
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.