I was reading on another post about the pre-writen DV letters and dispute letters. According to the "Credit bible secrets" CA don't take a person serious when they send a pre-writen letter that they got online. They recommend to keep the letters original and to write them yourself. What do CA do if they don't take you serious? Is your DV letter still 100% valid even if you got it pre-written from a website? I previously sent letters to some of my creditors and I didn't get a response. Was it because it was a pre-written letter that I got online?
I don't think that it should matter if it's pre-writen by someone else. Maybe some of us just don't have the knowledge that other people have when it comes to dealing with CA, and when you write a letter, the way you say things is very important. When you do it yourself you might say something wrong and you end up getting screwed.
You lawyers out there please advise. Does it matter if it's pre-writen or not?
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.