I was very disappointed after contacting 2 CCCS programs that the majority of collection agencies will not work with outside 3rd party debt management programs.
There was no mention of this warning on their websites either (FAQs) and I didn’t know this until I submitted the listing of my creditors and I was flat out told by one counselor not to bother with the program. My total debt is about $8K belonging to 5 creditors, all unsecured.
In addition, a few credit card companies that still had my account refused to work with these debt management programs also.
Is this a common practice for the collection agencies and some creditors to avoid the debt management programs? I’m trying to work directly with a couple of these collection agencies, but they have no interest at all for my credit well-being.