Wolpoff received a judgement against me because they told me I had no choice than to make a payment arrangement with the court. I did not know better. Now I have disputed it further with the creditor (AT&T) and found that they do not have record of my account but are looking into it. They even gave me a case #. Palisades is the one that had it first and they would never validate when I requested and then they sent it to Wolpoff (I have all the certified letters I sent to both companies). I am now going to court because I just found out they have attempted to attach my bank account and garnish my wages because I stopped making payments when I spoke with AT&T. What can I do in court to explain that I don't owe this. AT&T says they are investigating further but still have not called me back.
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.