I've read so many of your stories I thought I would at least add one of my own.
A month ago I paid off two CMI accounts (Time Warner Communication). They were extremely helpful and very considerate. Of course I was calling them to pay my bill, why wouldn't they be?. I recieved my Zero Balance letters but they are still now trying to debt funds that have already been paid to them.
I am going to my bank tomorrow to put a stop to this and get back my fee's that have been applied from the NSF's. I've contacted the company and have told me that the accounts have closed and have been paid in full. I explained to them that they were still trying to take even more money out, with the same check numbers. They've told me that that should not be happening.
I am going to discuss legal action with my bank as I did keep my proof of payment, recieved from CMI stating that the debts have been paid in full and have been reported to the CBR's.
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.