I guess when it rains it pours. I received today a letter from Mapother and Mapother,P.S.C. who states they are representing Midland Funding. This is dated April 24, 2008 and I received it TODAY in the mail. I have my debt validation letter ready to go in tomorrows mail via certified return receipt. My question is this : In this letter they state that no attorney has "personally reviewed the particular circumstances of your account" and if I dispute the validity that I have 30 days to do so. By my calculations, AFTER tomorrow the 30 days are up. Am I I correct in my understanding? Is there anything else that I should send them? I am using the template provided, the one with the new and improved grammer and spelling. Thanks in advance.
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.