both are calling me on old pdls - one for Premier and one for 3 Midland - I have overpaid both of these companies and now I was sent to these collection agencies, I ask for debt validation, what type of informatin should I receive from them for debt validation, fidelis said they sent something - I don't have it but I have so much out there - I forget who sent what or who called for what.
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.