I have been getting calls from I.C. Systems, a collection agency that is trying to collect on a medical bill. They called at 9:45pm last week, despite the fact that I had already spoken with one of their reps the previous week and advised as to when I could send a payment. Is calling that late copasetic or what? They are not on the West coast, so the time difference excuse cannot be used.
I am so glad I found this site - I am glad to know that I'm not the only one struggling and at the end of my rope.
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.