Ok....Going through my Experian currently.. I have TWO entries from midland credit management...Both for the same account/number. One of them says, "Unable to locate individual 1/11/06-1/11/06", They have not tried to contact me! Not by telephone, or mail. The second one is also from 6/05 I made a payment last summer, and it is not reflected. Has anyone had to deal with midland credit mgmt people? What does this mean? Should one of these be removed??? Also each account of Midland Credit Management Inc has a different office address...I've been dealing with a guy in Missouri??
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.