This company has been calling me non-stop also. They actually owe me money, not the other way around! I have emailed them the demand letter several times and they will not even acknowledge me. They just tell me that since I am not providing them with acceptable payment arrangments, that they have placed my email in a "reject status". They are threatening all kinds of "legal action". (Calling me at 6:30 in the morning which I just let go to voicemail and they leave threatening messages, they keep calling me at work) I have read on this forum about how to handle their threats but my question is this: There are so many laws and rules that this company is always breaking, why can we not do something about them ? Why are they still in business doing this to new people everyday? Why can't we sue them for harasment and breaking the law - put them out of business ? Please tell me why they keep getting away with all this ?
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.