Destination Debt Solutions LLC

I have not come across Destination debt solutions, but I
am also considering Langhorne. If any one out there knows
anything. I'm also looking.

Thanks,
joycie

I WAS TOLD THAT LANGHORNE ONLY WILL HELP YOU IF YOU HAVE AT LEAST 3 THAT WERE DONE ON THE INTERNET, I GUESS BECAUSE THEY CAN DEFINITELY GET THOSE DROPPED AND THAT IS MORE CASH IN THEIR HANDS. I AM CURRENTLY STARTING UP WITH DDS TODAY. WISH BE LUCK

Internet loans "definitely" get dropped? Sorry to disagree but these pages are full of posts from people that had to fight like hell to get them dropped, or who are still in the middle of the fight. But it's definitely worth the fight in the long run.

Most settlement companies have a minimum amount they'll accept to take a case because they work on a percentage. You don't really need one to handle internet payday loans if you can handle the collection tactics anyway. And, since a lot of storefront lenders are CFSA members you shouldn't pay someone to get the same EPP payment arrangement you could walk in and get for yourself.

Personally, I'd recommend doing it yourself unless it's worth it to you not to have to deal with the collections. In most cases, the law is on YOUR side, not theirs. And definitely be CAREFUL of ANY pdl settlement company that doesn't at least recommend you try the storefronts on your own.

Hold the phone . . . I just looked up this company's website, looked up their address and Google and finally checked their "Who Is" registration on Go Daddy. Anyone ever hear of a "legitimate" settlement company that uses a P.O. Box at a "Mail Box Plus" store as its street address and has a "Domains by Proxy" registry for its web site?

I have exchanged emails with the "counselor" several times. The company uses a Rocky Mountain Bank for their savings accounts. I experessed my concern to him about this bank. Here is what he repsonded with:

I appreciate your continued interest in our payday loan program. Regarding your concerns, I will more than happy to address them. Rocky Mountain Bank is also referred to as Global Solutions, a Better Business Bureau institution. Hopefully that may assist you in finding some additional information regarding them. Langhorne asks of its clients to open their own savings account and monitor their own statements. Through Global Solutions(Rocky Mountain Bank) we are able to put the money aside into the federally insured trust account, and give you statements regarding the balance, not the other way around. I am not in the business of trash talking competitors, however, many of Langhornes' clients have switched to our company, due to nothing being settled out when they were on the program for five months, or raising their monthly payment. Again that isn't a misrepresentation, I encourage you to look them up on the Better Business Bureau website yourself and see with your own eyes. As far as research regarding our company is concerned, I truly wish there was more I can provide you with. Our company started four months ago with negotiators and counselors from all over the country. Our goal was to have the lowest fee structure, start negotiations right away, deal with any debt amount, and above all to do business correctly. Our program is completely voluntary, and if for whatever reason you were unsatisfied, you may cancel your enrollment at anytime. That is outlined in the paperwork. I apologize for my length and candor, however I hope this assists you in finding a speedy resolution to all of your payday loan concerns.

BTW thanks for looking them up!!!

Okay, they say people left Langhorne because it took five months or more to get settlements. Did they say how much debt they've settled in their four months of doing business?

Maybe I'm overly suspicious, but companies using fake addresses and proxy domains give me the creeps. It's the same things payday lenders do to hide.

I have been with Destination debt solutions for 2 and 1/2 months now and it has been great! Magnum Cash and Zip19 were calling my house constantly, and on the day my program started, the calls literally stopped dead. So far DDS has been true to their word, and lifted a huge weight off my shoulders from this payday loan burden. I hope this info helps some of you folks!

DID YOUR PAYMENT GO UP AFTER YOU SENT IN YOUR PAPERWORK ?

FreakyFriday what does Domains by Proxy" registry for its web site mean? Is this a bad thing? This is interesting. I looked up some scam sites and they are with Domains by Proxy also. What would be the purpose of using this?

FreakyFriday what does Domains by Proxy" registry for its web site mean? Is this a bad thing? This is interesting. I looked up some scam sites and they are with Domains by Proxy also. What would be the purpose of using this?

OK - maybe I've overly suspicious but the e-mail response from DDS sounds funny to me. I can also speak as a Langhorne client - I started my program the first part of September and I am settling one of my PDL's the end of October - so that part of the e-mail is definitely not correct - at least in my case.

Maybe someone else knows a legitimate reason for them, but I only know one - proxy domains make it difficult (if not impossible) for consumers (and class action attorneys) to find who really owns or controls a website.

If you can't find them, the logic goes, you can't serve them with a summons. And since most regulators aren't going to subpoena records from the registrar over a routine consumer complaint, it helps proxy site owners avoid those types of actions as well.

Interesting info. Thanks

TELL ME MORE AND WHOM DID YOU WORK WITH AT DDS, CAN YOU TEL ME HOW MUCH DEBT YOU HAD AND WHAT IT COST YOU ?

I had quite a few payday loans, and was in the process of working with PDL Assistance, complete their application, and all necessary paperwork needed, their cost is $200.00 to start and a monthly fee plus your payment. I came to this site and follow all the directions and advice here by 1. closing my account, 2. send out the C&D letters to all the lenders via email, and so far I have only been contacted by mypaydayloan, who refuse to work with my to settle my $200 loan, I do not take their calls, I inform them my only communication is via email, and I made the offer based on my state (CT) and they refuse, and yes they send me a lot of intimidating email, after I inform them all the emails will be forwarded to the attorney generals office to be investigated. However my point is you can do this be not afraid of these people, first see what the laws of your state are and act on that, you are going to get lots of phone calls, send the C&D letters again, do not back down, believe me now I see these people as my challenge, with this process I am more knowledgeable, and realize if you are vulnerable, and YOU ALLOW them they will put fear in you. Take the advice of the knowledgeable and supportive people on this site and you will be fine. There are mountains of support and information here that will get your through, the last time these people had access to my account, it was overdrawn by $1,000.00 I am still recouporating, I was depress, sad unable to function, this site has assist me to be Liberated, and it feels wonderful. Thanks to all!!!!!

OK LARRY G, IF YOU DON'T MIND CAN YOU TELL ME HOW MUCH YOUR LOANS WERE TOTAL AND HOW MUCH YOUR PAYMENT IS AND WERE THEY ABLE TO GET ANY OF THEM DROPPED.

THANKS

This thread is "Guest Central." We (especially me by keeping the thread going) has just given these guys a ton of free advertising.

Vikas, how about sending them a bill?

Yes, this is a very good site. However, dealing with the creditors myself! Are you kidding? It is like changing the oil in my car. I know that I could do it, but it is a nasty, dirty job and I dont want to. Plus, I could mess it up and pay to much! That is how I got into this mess in the first place with payday loans.

I used Destination debt because they took care of dealing with the creditor calls, C&D letters, and settle/payment arrangments with my loans. I couldn't be happier!

You are fools! You are paying $200 plus monthly fees for something that you can get for FREE!!! All that they are doing is charging you for the same service that your local CCCS office completes for no charge to you.

All of these fancy letters look nice, but in most states they carry no teeth. I do not have to accept thier terms and since I am collecting my own debt, I do have the right to contact you at home. Don't forget, you may NOT excuse yourself from having your wages garnished thru the courts. If that was actually possible, there would be no need for a garnishment to actually be filed. They are used to force a defendant to pay a debt when they do not want to.

You have already demonstrated that there issues with your cash flow, do not make it worse by paying for something that you can get for free....

I am currently involved with CCCS, however, they would not accept my payday loans. I have 4 totaling about $2300. At one time I had 10! I have paid off many on my own but I can't get rid of these last 4 due to constantly having to borrow from one to pay off the other AND keep up with my household bills. I am seriously considering Destination debt solutions. I've read the comments about DDS on here but I'm still not sure about them. Can anyone else weigh in about their experience with DDS, or suggest another legitimate place that will seriously help with my payday loans? Thanks.

Shop around and stay away from anyone that wants to charge YOU a fee. There are many services out there that will assist you and then get paid by the creditors. If you have to pay a fee for credit counseling, you are getting ripped off!!!

Thank you, PDL owner.

I checked with CCCS and they won't accept my payday loans. So I checked out Langhorne. They only accept online and not storefront and you have to have a minimum of 3 online loans. There are tons of debt consolidation places out there, some of them not for profit, but they won't accept payday loans. I have 2 online and 2 storefront.

Hi< I am enrolling in this program for my payday loans. Has anyone had success from their program??

They've only been open for a couple of months and debt settlement programs generally last a year or more depending on the amount of debt so, even if I was dead wrong questioning their bona fides, I doubt anyone can claim to have had success yet.

we received a letter to fill out banking information.we are not iinterested in doing business with you.the papers came from rocky mountain bank & trust.they have my account number as Edited - ND

I recently went withe destination debt. As soon as I started it seem like the phone calls stopped. I would recommend this company to anyone with a payday loan.

I don't know that I can handle all the calls. I am terrified thqt they will start contacting my boss. I have like 10 payday loans, and I am behind on 3 of them. I am also overdrawn. I was thinking of signing up with pdla, but DDS sounds better.
Help! Is there really a way out of this?

I have been with DDS for a little over five months now. I have had great success and should be out of debt at the end of this year. I had 1,500.00 in debt. I had my friend who is an attorney check into this company and he said they are ligitimate. I have a monthly statment that show where the money goes and to whom. My account manager is very nice and answers all my questions when I have one. This has been the best decision I have made!

want to cancel my loan

i've been thinking about this company whether they are legitimate or not coz i don't want any problem on money anymore.ive got 4 payday loans and im worried if i hire dds and they were not legitimate i'll be bankrupt and nowhere to go.i don't want these payday loan companies to keep bagging me and eventually call me at work.. really bothered now if i should go with dds offer.

I just sent my paperwork into Destination Debt Solutions, I hope that some of the testimonials are correct, in that they help you right away. I feel extremely afraid and depressed, and even contimplated suicide because of these pdl theives. I have been trying to get out of this rut for over 3 years now..paying thousands and thousands of dollars in fees for about 1500 dollars in loans....I pray every day that destination debt really will help me...any price I pay them is worth not being afraid and having no money to pay my utility, rent and food bills....I have gone with no food for a week, because of these crazy online pdl companies.....

I have almost 3000 in payday loans. they take a total of about 700 each pay period in interst only. my account is already overdrawn when my check goes in. i need advice.
If I am clear, people here are saying do not pay a company, do it myself. what are the steps?
What are C&D letters?
I need to close my checking account?
I have loans with
discount advances $877
Cash Supply $1062
Cashnet $1062

I'm on the verge of seeking a PDL consolidation company and found this link. It's encouraging to read so many posts and experiences/solutions. No need to make excuses for the current state of affairs. I'm frightened by the large negative checking acct I now have. I called my bank to see how to stop the withdrawals that I know are coming on Wednesday, and they inform me that each stop will cost $15 (I have ten to deal with). Yup, way over my head. It's so embarrasing. But they can't add the roughly $150 onto my negative acct, so I am pretty much screwed because I know what is going to happen on Wednesday. I have meekly called a few and they refuse to listen to me. Can't have my ACH paycheck deposit changed to another bank, because you need an open an acct and need a small deposit for that. Man, this is getting pathetic. The only people willing to work with me is the blood-sucking mortgage company who is working out a payment plan with me since payments have gone awry with all the PDL debits. It all started out so innocently in trying to help someone out, then it all snowballed, and the "friend" is no where to be found. Lesson learned I guess. Enough whining. Tomorrow is another day. Razor blade in one hand, hangman's noose in the other.

I'm a young single mother who has come against some hard times. I went and got a payday loan because i had no family or friends to help..Well one turned into two then three. Well after while i started falling behind on cable then other bills. I started doing my research, i was then lead to DESTINATION DEBT SOLUTIONS. I signed up then talked to a CASSANDRA KING, which by the way she awesome here are the breakdown of my amounts

cmg group, llc: 260
lazer lending/djat marketing: 260
solomon finance: 390

every two weeks they were taking out a total of 210.00 so i was paying 420 a month and come to figure out that was just in interest. so when i talked with her she let me know that once they start my paperwork and get in touch with the PDLs if they found out they are illegal i'm not longer obligated to the program or them(PDLs) because i've already paid the borrowed amount...I'm 21...so dont be scared they are the greatest company and the account they set up for you is FDIC insured, i work at a BANK and that is definitley a plus. but in the process if they found out they are legal then my amount monthly will only be 163.00 which a weight lifted off my shoulder when i was coming out of 420.00 I love destination debt solutions. You can ask them anything, you will always get an answer and they'll walk you through everything.

Great. It's been almost a week since some plant, I mean "satisfied customer" of one or the other payday settlement companies has felt driven to come to a site that teaches self-help to rave about how wonderful the company is.

By the way, FDIC-insured isn't a plus. It's a requirement for any consumer savings account (up to $100000 anyway) at any bank --- including the ones Global Client Solutions sets up for debt settlement customers. Just be ready to get nickel-and-dimed to death with GCS fees. And don't worry, after pocketing their fees for six months or so the settlement company will suddenly discover that your lenders are illegal and tell you to file complaints with your state AG. Something the folks on this board tell real pdl victims to do for FREE.

Sweetie calm down its not that serious, i was just getting ready to get on here and tell the rest of the story.. WOW.. ya'll are really passionate about this..ugh.. anyway because i am so young and had no idea what i was doing i started doing my own research about my laws(arkansas) on the internet once i found out that i was only obligated to pay back the borrowed amount back too these illegal companies, i reviewed what i actually paid at these companies...

solomon finance: borrowed (390) paid 450.00
cmg: borrowed (260) paid 420.00
Lazer lending: borrowed (260.00) paid 420.00

So i proceeded to come on here and found someone NICE who had given me C & D letters to send them, after i filled in my states neccessary spots, i sent off by faxes and emails and got responses quick,stating my loans had been zero'd out. So at the end of the day...I STILL THINK DESTINATION DEBT SOLUTIONS IS A GREAT PROGRAM for those who dont want to or can't settle their own debt.. and NO ONE will change my mind about that, but i would say try it yourself first you'll be amazed how easy the process is...

[QUOTE=Anonymous;472355]Great. It's been almost a week since some plant, I mean "satisfied customer" of one or the other payday settlement companies has felt driven to come to a site that teaches self-help to rave about how wonderful the company is.

By the way, FDIC-insured isn't a plus. It's a requirement for any consumer savings account (up to $100000 anyway) at any bank --- including the ones Global Client Solutions sets up for debt settlement customers. Just be ready to get nickel-and-dimed to death with GCS fees. And don't worry, after pocketing their fees for six months or so the settlement company will suddenly discover that your lenders are illegal and tell you to file complaints with your state AG. Something the folks on this board tell real pdl victims to do for FREE.[/QUOT

and for you, i've never visited the site until now, i thought it was a site to give people your different experiences on your personal debt issues. Sorry i was just speaking on behalf of what i had gone through. But no need to be nasty about it. When my intent was to help. I hope you have a great day. Being nice is helpful on this site also. i'm sure

Quote:

[COLOR=black]DO NOT WORK WITH DDS. They seemed like a great company at first and my counselor was super friendly. I thought I was making a great choice and followed their instructions completely by putting stop payments on any outstanding debits, closed my bank account, and opened a new one with another bank and also their company Global Client Solutions. I had 6 outstand loans. I made my first payment with them of $281.00. About a week before my next payment was due, I logged onto my GCS bank account(which is where they say you can go and see all payments you???ve made and where/who they???re going to) and my balance was $0. I immediately called my counselor and asked what happen to the $281.00. She told me they had taken it for their fee. Fee? I was never explained any fee was going to be charged for their services besides a monthly fee of $35.00. When I asked her to break down the fee she told me they charge 30% of your total debt! WTF???!!!!!!! Nowhere was this listed in the paperwork I had to sign and NEVER was it mentioned by my counselor. My total debt was about $2600 and 30% of that was almost $700 on top of $35/month! Not to mention they were taking their fees first before they were going to pay off any of my PDLs. I asked them what made them think that anyone who needed their services had an extra $700 laying around and their only reply was 30% is better than the 400% PDL companies charge. Are you kidding me? There services isn???t even guaranteed. Most PDL companies will not even work with 3rd parties and can still take you to court. There was no way in hell I was paying them. I immediately canceled my service with them and am currently working out the loans on my own. When does the ripping off ever stop?[/COLOR]

Quote:

Yes I had been working with DDS for 11 months. I had almost 4500.00 in outstanding payday loans both storefront and internet, Thing were fine until the next to the last payment when they discovered that the final two payday loans would not work with them. So the payday loans started calling me again. I call my agent and she explained that they would'nt accept payment the way DDs wanted to offer it(Allied). So I had to get in the middle of these two and solve it. As far as the other payday loan 500 FAst cash when they called they wanted to settle but they wanted me to give them my debit card, HA! 500fastcash you are nuts. I don't mind paying what I owe but what is this they don't take checks or money oeders just debit credit and western union. Any way DDS had saved over 1000 dollars in my account and since they couldn'r solve the last two they are sending me back my money. They said 3 or 4 days we will see.I am just done with all of it already.

Anyone currently with Destination Debt Solutions -- are they legitimate? I am in with Pay Day Loans and have to get out. Thanks

After 11 months of not sending any money to 500 fastcash what kind of fees are they trying to hit you with?

I recently started with Destination Debt Solutions and am pleased with the way they are handling my account. The phone calls stopped almost immediately. Any mail correspondence I receive I can forward to them and they handle it. Yes, I could do this on my own, but I'm so disgusted with the payday loan companies I'd rather not deal with them. I'd love to see all of them 'go away'.

it is a personal decision, of course but i always suggest trying to do this alone. i came to this board looking for a company to help me but found out i could do it myself for no extra cost.

So if the loan payments are coming out of your checking account how do you stop that and start the negotiating process? I feel like such a loser that I can't even tell y boyfriend about it.

You close the checking account and open a new one at a different bank. Pain in the you know what, since you have to change your direct deposit and any legitimate bills, but its better to do it than to keep paying hundreds of dollars in fees every paycheck.

I just hired DDS to work for me. I am hoping everything works out and actually feel confident it will. I have over $3,000 in PDL's and was paying an arm and a leg every month just to pay the interest on them and extend them. Wish me luck!

I am using Langhorne too. If you are committed to saving the amount they ask you to then your PDL's will get paid off faster. It's easy to save the money they ask because it is MUCH less than what is paid for multiple payday loan fees.