Received summons and complaint from National Collegiate, was not personally served, documents where left at door after server saw someone in the window of home. As of today they have not filed a proof of service with the court, nor have I received a copy of the compliant in the mail. Should I file an answer to the complaint even though service was improper? I live in California.
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.