How can I get the idiots to stop calling. They repeatedly call for a supposed PLD that is a) over 5 years old b) illegal in SC since the original lender does not have a physical presence in SC c) this agency cant collect in SC - again no license or physical presence d) civil statue of limitations is 3 years, d) original debt of 500 dollars cost my wife (and me by proxy) over 2500 in ACH collected fees. I can go on and on.... They call from multiple numbers always the same story.... Someone will be at your residence tomorrow between 9-4 with legal documents. I've told them everything from stop calling, to please show up as you will be charged with trespassing, to I'd love nothing more than to have a representative of your company in a court of competent jurisdiction in my state.
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.