so tomorrow im planning on going to al lmy places to let them know that i need payment plans and or they need to know that im thinking of filing for bankruptcy because i cannot pay these things anymore. i withdrew all my money out of my account and opened a new one. is there something that i can take to these people to document what im going to do, to revoke my authorization to debit my acct? i live in texas. im so seriously about this and i need to do the same for my husband. please advise of what it is i need to take or say. im also going to place my old account on a block and or even cancel it. i just want to make sure i do this legally. please tell me what to do !
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.