I talked with a rep there named Kathy, I attempted to answer her questions when she rudely hung up on me. I called back immediately ... back on the call with Kathy I was told that the call was dropped. (my immediate thoughts are YEAH RIGHT!). She stated that if you are not calling to resolve your debt what are you calling about? I attempted again to relay the messages to my room mate also Kathy became very angry and hung up again. The story ends ... I suppose Kathy has bills to pay also and working on commissions is not an easy thing to do especially in this economy.
The representatives react like animals. They act as if you are taking something away from them. I wonder what is the purpose for the recorded conversations? It most certainty is not used as a training tool.
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.