IRS warns of credit counseling fraud
The IRS’s list of its annual “Dirty Dozen” tax frauds includes credit counseling.
Credit Counseling Agencies. Taxpayers should be careful with credit counseling organizations that claim they can fix credit ratings, push debt payment plans or impose high set-up fees or monthly service charges that may add to existing debt. The IRS Tax Exempt and Government Entities Division is in the process of revoking the tax-exempt status of numerous credit counseling organizations that operated under the guise of educating financially distressed consumers with debt problems while charging debtors large fees and providing little or no counseling.
The debt settlement model heads my personal list of scams, since it so seldom produces any meaningful settlement, provides no protection to the consumer while the money is accumulating, and lines the pockets of the organization in the meantime.
This is the industry that Congress made the gatekeeper to bankruptcy for individuals. Go figure.
Cathy Moran
April 22nd, 2006 at 1:12 pm
so does that mean “non profit” corps like delray credit counseling http://www.moneysavingfreetips.com/delray-credit-counseling.html are not legit?
April 25th, 2006 at 12:21 am
the article http://www.moneysavingfreetips.com/consumer-credit-counciling.html says to be wary of ccc firms coz:
“Thus as a consumer, you have to beware! Avoid “debt settlement” firms who promise to completely get rid of your debt within months and who ask for a $3000 upfront fee. These usually turn out to be scams who upon receiving the money will run off from the country, disconnect their phones or set up a new firm under a new name.”
legit cc firms will not ask for more than 20$ for setup… so this is a good point to remember!
April 29th, 2006 at 1:55 pm
no doubt about that, i found a similar article http://www.moneysavingfreetips.com/consumer-credit-counciling.html that says to be wary of ccc firms coz:
“Thus as a consumer, you have to beware! Avoid “debt settlement” firms who promise to completely get rid of your debt within months and who ask for a $3000 upfront fee. These usually turn out to be scams who upon receiving the money will run off from the country, disconnect their phones or set up a new firm under a new name.”
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