Lily , did you actually read your contracts when you signed them. CNI is a member of TASC and with that being said they have all of the necessary disclosures on the contract written in layman's terms . No offense but is seems you really didn't do any research on debt settlement process. No settlement company can promise exact results and any that does is lying. CNI is one of the best settlement companies in the industry. As a matter of fact you would be surprised how many settlement companies out there that pay CNI to do their negotiations for them.

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that is one of my top 10s to ask a company, do you outsource your clients? or are they negotiated from your office. Why should you have to call around to find out whats going on with your accounts? You sign on with a company that is who you should call. This im hearing is happening alot.

But there is such negative things here in this forum about companies. And im sure alot of them are bad or scammers. But there are good legit settlement companies i used one. They flat out told me from the beginning about what could happen.

I almost didnt join because i was so scared to get sued. It took me about a month to finally decide i had no choice. and in the end i got sued by citibank my smallest account. But i wasnt angry. I went into the program knowing the facts knowing what could have happend and was pretty pleased with the results in the end it was almost perfect. Not easy but the results were

Honesty outside of getting sued by citibank it would have been perfect. But at the time they were being a real pain in the butt and no one was getting settlements from them. But im hearing know that they are getting better about it.

Dont loose faith in a company if you feel that is whats best for you. If you know all the facts about settlement and how it works, you can then search a company. And if you know the facts about settlement you will know if they are lieng to you or preparing to scam you and if they are run. Keep this in mind

NO SETTLEMENT COMPANY CAN PROMISE YOU ANYTHING ONLY PROMISE TO DO A GOOD JOB. THEY CANT PROMISE TIME, CANT PROMISE YOU WONT GET SUED, CANT PROMISE THAT THE CALLS WILL COMPLETELY STOP, CANT PROMISE A CERTAIN SETTLEMENT AMOUNT, CANT PROMISE ANYTHING ONLY THAT IT SHOULD BE DONE BY 2 YEARS OR WE WILL TRY TO SETTLE ALL YOUR ACCOUNTS FOR AROUND $$$$. but nothing is written in stone. You cant force a creditor to settle for a certain amount or certain time limit

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my blog about saving money during a recession, And my personal story about Provanta's debt settlement program and how it worked for my family