The attorney Dave Grossack is working for CMS if you email his office they will confirm this. CMS is now charging $500 more for the program to pay his fees.

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The statement above: "They use contract law to assume your debts by submitting a new contract to the credit card company with a consideration check stating that if the company cashes the check then they accept the new terms (standard contract law people: offer, consideration, acceptance, and performance). The debt is then legally moved out of the individuals name and CMS then owns the debt where it goes about offsetting the debt within 6 - 9 months."

If anyone pulls out their cardmember agreement, or asks their credit card company to send them a copy. You will find that there is very specific writing in each agreement that states pretty much at no time can you send any sort of thing to them - like a check with PAID IN FULL on the memo line, or a letter "if you cash this check you agree to....." The cardmember agreement, which you agree to by using the card -if you look at the back of your card, very clearly protects all banks/credit card companies from having their agreement modified by this type of practice.

The fact that the poster states this is what they do as part of their "helping" of people - pretty much states it is a scam because if anyone here calls their credit card company - I can 100% GUARANTEE you that the rep can send you a copy of the agreement and probably even highlight the portion explaining that you have no right to hold them to anything just based on them cashing a check.

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Study contract law. NOONE can forbid or prevent you from making an offer to contract with another. The card agreement does state that you may not assign, transfer blah blah blah ....... under that current agreement. But if you make an offer, with consideration and they accept it under full capacity (I am assuming they hire those of capable mind) and continue to perform on the new agreement you do nonetheless have a binding contract.

I find it comical that we have allowed the credit card company to change the terms and conditions as they like with really no feasible means of rejecting them. What are the options - continue to hold/ use the account (accept) or pay the account balance in full (not accpet). Your right that is fair, as you said above JUST call them, they will tell you.

Their manipulative, predatory, malicious and unethical practices have allowed this society to get so deep into debt they only have the option of accepting the terms, they can't pay off the balance.

I tell you what, if any credit card company calls CMS , I can 100% guarantee you that CMS can send them a copy of the new agreement and probably even highlight the portion explaining the terms and condition they actually did accept and perform on AND they did have the right to counter but did not.

In my case, they cash my original cheque with the offer(acceptance/ consideration), have continued to cash the cheques for the AGREED minimum payments and have changed the correspondence address from mine to CMS, (performance). All because they don't like the new terms does not mean when they act under contract law they are absolved from have their actions count as acceptance. They are not above the law or you, they have successfully made people believe through the power of marketing and habit that you don't have any rights.

A credit card company cannot take the rights that exist in this society. How can you say, the CC company has the right to ignore the law.

All law is contract and all contracts are law.

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Has anyone had success with this program? If so, would you be willing to provide contact information to let others call you to talk about your experience?

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I was just wondering what the cost to join the program is. What do they charge us to do this service?

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Interested Party: There is no absolute guarantee. Look at it this way, if you hire a lawyer to defend you in a court case, will he give you a guarantee that you will win your case? He won't, but there is an implicit guarantee that he will do his best to win your case for you. Same with a doctor, they will not guarantee that your heart surgery will be successful. In fact, you will have to sign papers that say if you die on the operating table, he is not at fault. But that doctor will do his very best to give you a successful surgery. CMS has had thousands of clients, and thus far a 100% success rate, but they can't predict the future, and there is no guarantee that they can help you - although chances are very high they will.

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I didn't know for sure at first, but I figured I had nothing to lose by requesting a free consultation. I asked a lot of questions and even had them send documents to my attorney. End of the story is, it works. I paid my enrollment fee, filled out the paperwork, and now the debt is no longer in my name and I don't even get mail from the credit card companies anymore.

You can holler scam all you want, but at least do your homework first. I'd suggest taking the next step, speaking with them, and making a decision based on facts rather than internet gossip. Anyone with an opinion can type it up with apparent authority.

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I have been in the CMS program for 6 months and am very pleased with Brad Daley. I had $81,000 in CC debt on 8 cards because of many factors, some my fault some not. Everything is going according to plan and will be glad to come back 6 months from now to report complete success once that takes place. I have spoken with Brad on the phone and can tell he doesn't just provide a service but his heart and soul is involved and he really cares. His support staff is very helpful and attentive also.
As for anyone wanting them to reveal client names for reference, he likely cannot legally do that and just think--would you want your name and number given to possibly thousands of people?
Much success to your search for a debt free future!
I believe I am nearly there

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Hey Charles, I was just reading your post and I am currently trying this program and something you said has caught my attention. You said that you have spoken to Brad and staff. I have been in this program since June and today is the lst time that I have tried to call them since enrolling. I get either a no answer or busy signal. Was it hard for you to contact them by phone? So far I can agree with you everything seems to be working as planned for me too!

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Hi jen-e,

I have had regular contact with Terry by email. Sometimes it takes a day or two but he always responds. Once it did take a little more time for an email response. I noticed they started using an auto responder to let us know it takes 2-4 days for a reply depending on the type of question.
I talked to Brad on the phone. One Friday about a month ago I had a question and got only an automated phone message and didn't wish to leave a message. Later I changed my mind and called to leave a message and guess who answered the phone? Thats right Brad himself. We had a really good conversation and he answered all my questions. I felt that much more confident after that.
I am looking forward eagerly to see this through to the end.

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Hi jen-e again,

I just want to mention our paperwork says Monday through Wednesday and Fridays 10AM - 4PM for calls and of course email anytime.
And of course we would never want to reveal the number or address here. You already know that but just in case
I would imagine it is hard to get through at times. My original contact Eileen C said I could still call her if I wanted to even after I became Brad's client.

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i have regular contact with terry as well, but i never spoke to anyone on the phone. well today i tried to contact brad regarding a letter that came in the mail prior to a phone call i received monday morning and i have tried to contact them by email and still no response, which i know it normally takes 2 days or so for a response. so i then tried to call. i let the phone ring like forever with no voicemail to leave a message at lunch. so after lunch i have been trying and the line has been busy since lunch. so i was getting a lil nervous until i read your post. i will keep trying to call and i did send another email today. i agree with you on looking forward to see this through. so far everything has gone as planned like they said. i will post as well to let everyone know how it turns out. thank you for helping charles

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thanks charles you are a great help! makes me feel better about this whole thing.

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Your most welcome jen-e, I hope you get to talk to someone soon.

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I just got this reply from Jeff. . .
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Actually - you want to look up Court Mediation Services - they are the ones doing the debt assumption. Go the bbb.org site and enter their name under Alabama - and you'll see there are no complaints.

We are working on some testimonials - I am technically not at liberty to be giving out phone numbers (of course everyone asks this) - but I do have one gal that I can send you to - her name is April, (xxx) xxx-xxxx and she is on EST. Just tell her you talked to me.

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Is Integrity debt relief, Integrity debt solutions, and CMS all the same organization?

Does this technique work on a credit card account that is closed?

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