I got a call at work today from someone saying they were a process server, and said they would server me today. I asked them what the address to my office was, and their "computer wasnt' working" so they didn't have it in front of them. In the meantime, they gave me the number to a "legal department." The recording when it answered said I have reached "CRS." I spoke to a rep and this is regarding an internet loan from "PDL" from December of 2008. I have NEVER been contacted by this company in the past two years, and they wouldn't give out the actual company's info. I have had payday loans in the past, but declared bankruptcy in early 2008, so I know for a fact this was either included in the bankruptcy, with my other debts, or just another scam to get money. I told her I would not give her money over the phone unless I knew the validity of the debt, and she got upset and said I am about to be served, and then hung up on me. If I do in fact get served, how does an internet loan from 2 years ago hold up in court???? any advice is appreciated. Thank you!! =)
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.