i not had my emblem credit cards very long but i like this credit card pretty good the credit card i have been using doesn't increase there credit limits plus on that card i have to pay a yearly fee 84 dollars a year that's 7.00 a month on my first premier card this emblem card from the fresh start program doesn't have no yearly fee and as i signed up on it i sent the i call it starters payment in they wanted 51.00 before they would send me the card out to me so i sent them 60.00 instead of 51.00 i figured that way i would increase my chances of getting my debt payed off a little faster plus at the same time i would get the credit card a little faster they was very fair about it they offered me i think something like 2 months to pay the 51.00 in order to send my credit card to me it was like 20.00 for two months and now my payments are just 20.00 a month they transferred my old debt onto my credit card they credited some of my debt which left me owing 293.00 on my credit card whats great about is that while i am paying off the 293.00 i owe it gave me a great credit card so i now all i have to do is be careful of much i spend on my card
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.