Hi, I have registered but have not gotten my email with a password. I have found (through your site) that I have several illegal PDL's ( am in Ohio) I have overpaid. I would like to stop the ACH, I cannot close my current account. I have not defaulted on any of them, but am getting to the point that I cannot sleep at night and need to get these out of my life forever. Please advise how I should word my letters to my bank. I did get the "sample Letters" to the PDL companies. Thank you so much for your help and this site! Am already seeing light at the end of the tunnel and have done nothing yet!
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.