My mom called me today and told me that a collection agency had called her looking for my husband and I, and told her that they intended to sue us. It is my understanding that the only way they are allowed to contact your family (whose phone number and name were never given to them) is if they have no way to contact you. They have our home and cell numbers and call them constantly - I've talked to them, but eventually quit answering calls due to harrassment - and they have our email address. What are my options here? Do I just send them a cease and desist letter, or do I have other legal rights?
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.