I too signed up with Credit Solutions 6 months ago, and the calls slowed down for awhile, and then started flooding in again. Last month, after hearing for the hundreth time from the collectors that Credit Solutions had never contacted them at all, I had had enough, so I called in demanding to cancel and be refunded all of my money. I had no problem with it at all, I was simply asked why I wanted to cancel, I was only to happy to let them know how they had screwed me over by just taking my money and doing absolutely nothing. Here's the thing though. When I heard that I was getting my refund and actually calmed down enough to listen to them, they told me that they actually had been in contact with my creditors. I laughed this off completely. what a shock, on one side Credit Solutions telling me one thing, on the other side, the harrassing phone calling collecors telling me the exact opposite. Why should I believe them at all? They did nothing, and the collectors were threatening to call my employer and garnish my wages. Imagine my shock when I was offered in addition to my cancellation and refund, proof that there had been contact, as well as proof that the collectors could not simply call my employer and garnish my wages. Proof? I sneered at the employee that if he could really show me proof, I'd give them another chance. Guess what? They had proof that the collector on the phone completely lied and that Credit Solutions actually had been speaking to them. Then they told me to look up the law online that they had provided to me on day 1 as far as my rights and the rules that the collectors had to follow, which I have since learned, they simply don't. I was so mad that I had said I would stay at the time, but once I got the proof, one I calmed down and actually read the inforation I had been provided at the start, I began to realize that I had not actually listened, I just wanted the stupid calls to stop. Now, a month later, I am very thankful that I did not go file bankruptcy as I had intended, and am actually moving forward in a positive direction. I may have made the decision to stay with them for the wrong reasons (I ran my mouth in anger), but it was the right decision, and I am thankful for it every day now.
My point is simply this. For those of you pissed off that Credit Solutions has done nothing like the collectors are telling you, simply make a call and ask for proof. You'll be as shocked as I was that they were actually telling the truth and that the collectors have been the ones lying. It actually makes sense though, since Chase wants all the money that they can get out of me, and Credit Solutions is helping me reduce what I will pay them overall. Yeah, my FICO score sucks right now, but it did before I enrolled, so they didn't help that. The bottom line is that I want the damn debts gone, and I want to pay as little as possible to do that, and Credit Solution is actually helping me. Just like anything inlife, the proof is in the pudding, and when I asked for the proof, I got it. You should too.
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