If you think CMS is going to beat the credit card companys by writing paid in full on your checks when you make a payment. You should take another hit from the crack pipe!

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This program is most likely a scam- I would try and contact the person who set up you with the program and bug the heck out of them- make their life complicated. Call, email, send registered letters to them asking for them to either do the program or return your money. So many times this program has been shilled as working but no one ever has stepped up to the plate with documentable proof (ie credit reports even with personal info removed) to prove it works.

Also another main question posed is what kind of documentation does any one get to "prove" that their accounts are zero from the credit card companies. I asked this many times as creditors often sell debts. Even if CMS says that Bank of America said you didn't owe money, BOA may have sold the debt to say ~Joe's Debt Collection Service~ which then will contact you 2 years later. Then will CMS be around to provide "proof" that BOA said you didn't owe the money? What if CMS has gotten hit by a tornado and all their records destroyed? So if CMS does NOT give you copies of all their correspondance with creditors, this further leans toward them as doing a scam.

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Here is a closed thread that was edited (or gutted) pretty heavy by someone running the forums who disagreed with questions which were asked:

Integrity Debt Solutions, Brad Daley & CMS – part of a big scam


http://www.debtconsolidationcare.com...utions-11.html

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wow! i just read that link, pretty crazy. HOnestly i dont know if its legal or not, but it scares me, and i could see it working in the beginning but i would think the cc companies have cought onto it by now. just my opinion

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my blog about saving money during a recession, And my personal story about Provanta's debt settlement program and how it worked for my family