I have to appear in small claims court today to answer LVNV. I just found this forum, and was wondering how I can delay this. I was contacted by many different "companies", none would send me any kind of debt verification. My family was harassed by calls, as was I. I didn't make any payments. I originally owed Household Bank, who sold to LVNV. This was supposed to be off my CR this year I was told. Is it best to get a lawyer? Thanks for your help.
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.