Last year, there was a person contacted me via craigslist.com because he/she wanted to buy my stuffs that I posted on it. At that time, I didn't know anything about nigerian scams or anything related to these types of scams. I don't know why I was so naive to accept the cashier checks from somewhere in the US, and then shipped my stuffs to Nigeria!!! Anyway, my bank let me cash out the check without verifying it. I used Western Union to wire the remaining money. About a week later, the bank let me know that the check was counterfeit, and I owe the bank almost 3 thousand dollars (I was only 17). I tried to talk to my bank (Bank of America) but it didn't help. I tried to report to my local FBI office but didn't hear anything from them, same as the Internet Crime. Right now, I really need a checking account but no banks would approve me because I was reported to the ChexSystem, Fraud Suspected Activity :cry: . I really regret for what I did :( . I've been depressed because of this situation. Will the ChexSystem clear me off after a certain years? What should I do?
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.