They apparently bought an old Payday loan from another CA that my attorney was dealing with. I called to refer them to my attorney. I was told that I had raised to the next level. Ooooooh! I tried to tell Omar thatI did not owe this and proceeded to give him my attorneys name and told him he will have to validate the debt to my attorney. He went off on me like a crazy person. Said he does not have to contact my attorney or validate anything. Thats my job. Said he would see me in court. I told him that he was in violation of the fdcpa for continuing to talk after he was informed I was represented but he just kept ranting about my credit or something. I finally had to hang up on him. I won't see him in court but I will bet I will settle out of court with them in my favor. The best was he told me the call was being recorded for quality purposes!
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.