Q: My Creditor Says they "Don't recognize OCCA" or that I had to "Use a Not For Profit company" they have approved. Is this true?
A: No, you have the legal right to choose your own representative when it comes to negotiating your debt. There is no law which will ever prevent you from exercising your right to choose.
Creditors want you to use their "approved agencies" because they fund those agencies; those agencies generate revenue by getting you on a repayment plan that works best for the creditor. It is not in your best interest to negotiate your financial recovery through an organization which is paid by your creditors.
OCCA works for you, the consumer. Unlike other services, we do not receive funding or support from any of the creditors we are negotiating with. Remember, "Not For Profit" does not mean "Not For Income", and it certainly does not mean "Free". There are costs associated with every business.
Other companies factor their costs into the payment arrangement they make for you. Your creditor then 'kicks back' a portion of your payment to the other company, many times referred to as "a donation". This means they MUST get you on a payment plan, and it MUST be in the best interest of the creditor, or they will not receive any money for the work they do, and therefore will no longer be able to operate.
At OCCA we believe this is a conflict of interest. OCCA negotiates with your creditor with YOUR best interest in mind. Based on a repayment approved by YOU.
OCCA IS ON YOUR SIDE!
Click here to view actual acceptance letters from a variety of creditors OCCA has negotiated with.