I signed up to use ABC Debt Relief 12/08 thinking that they would guide and support me throught the process of eliminating my debt. What is found was this; they determine your total debt and then take a 15% fee for the first 4 months, for me this was over $700/mo in the mean time you begin to get notices from credit companies and after about 4 months I received a summons.ABC Debt Company did absolutly nothing on my behalf they took my money [/b]and never responded to any of the legal notices that warned me I would be going to court if I didnt contact the creditor. I thought because I faxed this information to ABC Debit Relief they would contact the creditor and deal with this...not the case they never contacted anyone, took my money and then cont to take a portion of the 15% after the first 4 months ( about half the initial amt ) the rest went to a savings acct to attempt to gain capital to settle acts. ABC knows full well that at $350/mo I would never gain enough $ to settle anything, yet the creditors want to have responses. Discover Bank hired an attorney group who sent me a summons which you have 20 days to respond I sent this to ABC and with 2 days to respond to the summons nothing from ABC. I have since cancelled my contract yet if I had the money I paid them I could be settling the debt myself. Just contact the creditors yourself!!!

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Since you have already received a court summon from Discover bank, you should immediately visit the court and file a response to it in order to avoid the default judgment. After filing a response to the summon, you can contact the creditor and try to settle the debt outside the court.
ABC Debt Relief is not a good company. They have F rating with BBB. You can find more discussions on ABC Debt Relief if you visit the following links
http://www.debtconsolidationcare.com...ebtrelief.html
http://www.debtconsolidationcare.com...oncompany.html

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Thanks did file response myself to summons and now unsure if I should contact the law group who sent it or wait for them to sch court date (or throw it on a pile since I sent a response) so you think I should contact them and attempt to settle with them vs go to court? I dont think they wanted to settle and they knew that debt relief co would not respond so I think they just thought they won by default. Suprise I finally got smart and responded. Please tell me why you think I should try to negoitate with the law firm? I think it may be a while before a court date would be set if ever thus buying me some time to save some $$$ to make an offer...

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Yes, you should negotiate and try to settle the debt outside the court, because if the creditor succeed in bringing a judgment against you in the court, your credit score may get adversely affected due to this judgment. If they agree to settle the debt, get the agreement in writing before you start repaying.

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I think I am traveling down that same road. I contacted ABC to assist me with my debt. They advised me that they would contact each creditor and negotiate my debt with the creditors directly. In return for this, I would pay a nominal fee, less than half of what I was paying out per month, and in return, they take their fees electronically from my checking account.
I continue to get 20-30 phone calls daily from Creditors, and now am receiving notices that they are going to be taking legal action against me. Thought that this was all over with.
I emailed ABC with my situation, but have yet to get a response.
Thinking this may have not been the right decision. Help !

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ABC will not do anything for you and next you will probably get a summons notice delivered at your door so be ready and dont think that ABC will assist with any of this and be ready to respond to the summons as to do nothing will allow the creditor or company to take possible action as you didnt respond. ABC took my money and when I realized they really only assist if you have all the cash to settle they basically do nothing. Dont let them take anymore of your $$$$.

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I signed up with abc debt relief. I also get 20-40 phone calls a day,and I just had a surgery in May,I have not been released back to my job full time,and I called abc to tell them I am not getting my full pay right now,so I don't have the money for them to take out.They said no problem,we'll handle it. when I called the bank they withdrew the money,and the women from abc has still not returned my phone call today. MY bank tooke care of it but abc is not responding back to me. did I make a huge mistake in using this company?!!!!

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