If this was the only conversation you used for due diligence I am not too sure what your other research could of consisted of. This post is only filled with nay sayers without one ounce of proof that CMS is a scam. They write "as if this true", do not understand the program and scream debt elimination does not exist. No debt elimination exists in terms of sending a legal letter, promissory note or what have you presented to the bank. But when you create novation (which in itself is a legal term) and they rack up penalty fees the debt is offset. Not eliminated ....... offset. So if the creditors want to sue, you do not go into court screaming no money lent, money does not exist , I sent them a promissory note that relieved me of my obligations, you state the facts.
The facts are: I sent a cheque that implictly stated that by cashing this cheque you agree and accept the terms and conditions attached. This was sent to the customer care centre, not to the mass mailing payment centre. I cannot be held accountable that the customer care agent did not believe this novation/ assignment to be valid. Therefore counter sue for the penalty fees that have been applied by CMS, which is typically higher than your alleged debt balance.
But you see, creditors see this all before it gets to a trial, when CMS calls them on the penalty fees at the 7-8 month mark, they realize the burden of proof is not absolute.
This is not debt elimination, although it has been promoted as so, your debt is offset by the creditors negligence of their responsibility and performance. If they follow YOUR rules, the debt will be paid eventually. No fraud, no tricks, just an understanding that banks abuse people and threaten to try to make you think they are above the law. The sloppiness in the system and ego is what makes this program work.
These legal gymnastics are a simple dismount compared to the floor routine of deception the banks and lenders have performed on us for years all in the name of profits.
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