[FONT=Calibri]I started receiving calls from Budzik & Dynia, LLc as a collection agency saying they were attempting to collect a debit that they had acquired from a credit card company. This credit card company was sued by the federal trade commission and had to pay out a large fine. This collection agency/attorneys called and harassed me for days. I mailed a certified letter asking for validation of debit in accordance with the Fair Debt Collection Practices Act Section 809. Validation of debts [15 USC 1692g]. This giving the company 30 days to respond. This was back in July of 2011, I never heard from the company again until Jan. 28, 2012 when my dad was served a summons stating I was being sued by this company as the representing law firm for plaintiff Jefferson Capital Systems, LLc. Do they have a valid case since not responding? What actions can i take if any?[/FONT]
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.