Dozens of interesting chit chat about a company somewhere in the Southern US. Seems to come down to people who don't claim to be customers (if that's the right term) giving their two cents about legal matters, and taking the unproven position that this method or that method is illegal, or "too good to be true" , or it's an obvious scam. It may very well turn out that way, however just saying a thing is illegal or a scam does not actually make it so. There are many folks on the netand a few on this forum, who claim to have been, or still be involved with whatever the true CMS process or method is. People on many sites are pleading for others to come forth claiming whatever it is that CM does, has hurt them in some way, or that they have rued the day they ever heard of the CM company. So far, no one has come forth and said they are sorry to have used or let CM handle these problems for them. No law suits, no complaints, nada, zip. One sure can find disgruntled people all over the net who are unhappy with settlement, consolidation and other plans of dealing with
debt problems, no one seems shy about screaming blue murder if they got burned. So, objectively, what we don't have is any complaining persons who have gone through dealing with the CM people, not one that I have been able to see on any of the debt sites. Plenty of people who have opinions that it just must be a scam of some kind, because it seems that one cannot logically expect to get out of paying their bills. Maybe so, but from what has been written, the method described is not doing that. The people who claim they are current customers don't seem to be complaining anywhere. Surely, if they are using the program after all these years someone would be screaming, "I got sued", the company lied to me and wouldn't give me a refund", etc. All those standing around shaking their fingers and their heads saying it is all nonsense are those that have no first hand knowledge of what the real workings of this are. Who know's, it might be some kind of clever scam, but those things are usually discovered pretty quick and plastered all over the net. People on this forum claim that the company in question has either been in business for 4 years or possibly as long as 7 years. Long enough there should be some bad publicity and sour clients out there somewhere who can speak from having had a bad outcome. So far none has surfaced, easy enough to do, but no one says they were "had". Much has been made on this forum and others that no one can transfer their debt, or assume someone else's debt. That is true if the creditor objects, but not so if he agree's. My father once had his neighbor take over his car payments. The bank agreed to that and the neighbor made the rest of the payments and the car was his. My dad had no more obligation once the bank accepted the neighbor in place of my dad. Everyone knows that happens all the time. It seems as though it is not a matter of whether one guy can get off the hook for a debt if another is willing to take his place, but rather if the bank agree's to the new agreement. They can't be forced to agree, but if they agree, for whatever reason, then they are free to do it. I have not seen anyone claiming that the CM people are forcing the banks to do something they don't want to do, that would not be possible. Even the bank sends out "change of terms notice" raising the previous interest rate, but you don't have to accept it. The notice says if you don't agree, send back the credit card and just pay back what you owe. Seems legitimate in principle. I wish someone would come forth with a bad experience regarding these CM people so a clearer picture would emerge, however, after years in operation, not one complaint from an actual customer or complaints with the the BBB etc. I don't think Sears Roebuck or even Wal-Mart could match that.
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