OK, so, yesterday, 'thomashanks' was spamming the forum repeatedly with his/her advertisement to get a loan which also included his email address. Well, after deleting and deleting post after post, I got a little miffed and decided to send an email to this so called 'thomashanks'. I told him to stop spamming Debt CC and that solicitations were against the rules.
He replied: ATTN:
OK, Understand Solicitations are not permitted at the Debt CC community Forum, Please where can i place my ad for poeple in need of a loan.
I didn't reply, BUT, when I opened my yahoo messenger, there he was AGAIN, trying to add me to his messenger list.
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.