Jessica97
If you gave them bank account #'s please change your accounts ASAP. They will go into your account and try to pull $299.00 as a consultant fee.
DEBT. CONSULTANTS OF AMERICA Tried to do this to me but I withdrew my money first and was only charged a $25 fee from my band which was returned when I explained the situation.

Credit Solutions is a scam! I signed up with their service with a small amount of debt thinking they could help me negotiate it down quickly. The only thing I got eachi and every time I interacted with their service and staff was extreme aggravation and stress. Not to mention a mega large phone bill from being left on hold for days (it seemed like) while they put me on hold talking to people at other businesses about my debt. It seems like they could do that on their own time NOT while I was on hold. That's RIDICULOUS!! Not to mention every time I called it was like I was calling for the first time, no one knew the first thing I was talking about, I had to go through each and every detail of my account. ANNOYING and very unprofessional. No one writes anything down about anything. Not to be trusted to help you out. Do the work yourself. You will wind up doing it anyway.

I have one cc with Credit Solutions and I'm getting ready to pull it out. I have had nothing but a bad experience with them. High upfront fee - RED FLAG RIGHT THERE, but i did not know. Everytime I call about my acct, no one seems to know want the other is doing, at one point I was trying to settle a card and I had 2 different people working on my acct and neither knew it. I was going crazy, needless to say, the card never got settled and I think it was sold off from chase to a collection agency or whatever they do with them. I'm getting ready to file complaints agains CS just for taking my money and not doing anything to help me.

They helped me! so i dont know what to say. I settled my debt with them. And im almost finished. im sorry you guys feel this way.

I am in Credit Solutions now, and I regret it every single day. They DESTROYED my credit... I had a high score before, just had a lot of debt. I thought I could get rid of the debt quicker with them, but had I known they would ruin my score in the process, I would have NEVER gone through with it. Total mistake.

I have been working with Credit Solutions now since Feb. and they have gotten many of our credit card bills down to nothing. I have not had any kinds of problems with them and if something comes up, I get right on the phone and get a solution to the problem.
My daughter and her husband are working with Credit solutions and have been very successful as well. As for my student loans those are Government loans (Sallie Mae). I was told right from the start that they will not work with them. So I have to say they are not out to scam you.. Of course they are going to make some money, but you know I have filed Chapter 13 and it is no different. There are attorney fees and you have to appear in court, this, you work with them, fill out some paper work and fax it to them and you are done. I call them at least once or twice a month and speak with my debt counselor and have not had one problem.

[font=Verdana]The purpose of this post is to provide basic parameters associated with debt settlement programs, and hopefully address some common concerns of newly enrolled clients to the same.

Debt settlement programs are designed very specifically for those experiencing legitimate financial hardships, whereby the abilty to manage their debt has become difficult. That said, in order for a Company to favorably perform debt settlement services to clients, a usual and customary set of practices need to be followed. It is not unusual for a Debt Settlement company to refrain from contacting the creditors of clients, except for initial contact to inform the credtior of their involvement & sending a POA to be kept on file. Creditor companies will typically be contacted by the settlement company subsequent to the client successfully saving an appropriate amount of funds to address the outstanding liability.

When a new client enrolls, most companies recover the first two program payments in order to recover the costs associated with consultng, reviewing, enrolling, and integrating the new client appropriatley into the program.

I am hapy to continue this discussion is further detail in the event more clarification is desired.



Solicitation Deleted - Please Refer the the TOS - NASCAR Devil

I worked there for three months until I found out that the whole thing is a lie. We were trained to lie to the customers first off. I had four bosses in three months and all were fired. This company will fall because of the evil they do. Dont be scammed by their lies.

no matter what you are told settling you debt effects your credit terribly. If you cant pay your debts quit paying them, get a prepaid cell phone and they can never reach you. Credit is a material lie made by man to screw over others, credit cards are designed to make it very difficult to ever pay them off. Free yourself from the BS.

I just finished the program 6 months ago. They eliminated over 40,000 of my credit card bills for less than half of what I owed. It is a LIE that someone from credit solutions would enroll a student loan. I have over 60,000 in student loans and they told me they could not help me with them (after reading this I called my original Debt Consultant and he told me he would get fired if he enrolled a student loan).

I have been going through the CS program for 5 months and it is working exactly as I was told. I suspect most people who claim it's a scam are those who did not finish the program, and want their non-refundable service fees returned to them. The people who complained on this website do not back up their complaints with specific facts (except the student loan complaint). I was told upfront student loans were not eligible accounts for the program.

We have been with them for two years (Credit Solutions) and now it's our fault for not contacting them. Not one offer has been made in two years until we made a complaint days ago. All of a sudden they want to work with us because we want our money back, and they wanted to keep our money! They were rude and trying to back pedal when we wanted to cancel. After talking to our attorney and confronting them, they were not so happy. All of a sudden this whole situation was our fault according to them. After two employees informed us that it was not right for money to be taken out of our account, they said they would not charge us anymore. Guess what....it was the end of the charging period anyway...no favors there. Don't back down, and you can get your money back. Hopefully we all learn from this scam.

people are dumb. look at what you are signing before you sign it,

This company is a complete and total scam. I to fell to there game. I was told not to call or speak to anyone that i enrolled with them that they would take care of it all. well not only did i not here a word from them neither did the people that i enrolled them with did. I have read up on the class action law suite that has been filled agains them and i will be joining that group if i do not have a complete refund of all money i paid to them with in 2 days. I have contacted my bank and i am working with them as well to reverse all charges placed against my account by them.

Thank you for contacting Credit Solutions. We currently do not have a refund policy; however, we do have a team of agents dedicated to the individual review of such requests. You must speak with a live representative in regards to this matter. They can be reached at 1-800-648-4590. Thank you. A NOTHER CREDIT SOLUTION BS STORY. i was told today when i called that they did not have a number to call for a refund. o what is that number above. I have never delt with a company that trains there sales or represantatives to be such good BS artists. The are very good at bull crap. I am not done with this, they riped me off and thousands of others, i will not rest untill i get every dime back from them as well as make sure no one else has to go through what i went through

Look at this one.. It should say we strive to rip people off

At Credit Solutions, we strive to serve our clients with World Class Customer Service. To help us better serve you as well as others, we'd really like to hear from you about your experience with us.

Please take a few moments to complete our short survey, which you can access by clicking on survey.creditsolutions.com

Thank you in advance for your time.

Best regards,