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Is credit solutions affiliated with debtxs?

Date: Thu, 07/20/2006 - 19:41

Submitted by anonymous
on Thu, 07/20/2006 - 19:41

Posts: 202330 Credits: [Donate]

Total Replies: 301


I've done tons of personal research as to how I am going to reconcile $50,000 of unsecured CC debt (Citibank, Chase, and United Mileage Plus). I have been enrolled with Credit Solutions of America for the past 3 months and am sooo dissatisfied with their help that I want to get all my money back from them. I have contacted Mezey & Associates which is a Law firm that negotiates debt settlement. Has anyone heard of them? Unlike, Credit Solutions, they seem to have better leverage in negotiating debt with the large creditors and will set up a Trust Fund account towards my debt settlement. Plus, they're certified lawyers who are professional negotiators and not some trained negotiator who knows a little law. I guess, I'm inclined to trust their opinion a lot more. But since the fiasco with Credit Solutions, I want to know what retaining an actual private lawyer will be able to do for me in relation to my debt. Basically, what can hiring a private lawyer for a flat fee do for me in comparison to a debt settlement law firm?


I've been with M&A two years now and am nearly totally out of debt. Customer service was terrible a year ago, until finally I understand they got caught up with all the growth of clients. Now it's running smoothly for me. Just one big card left and I'm done!


lrhall41

Submitted by on Mon, 04/23/2007 - 19:16

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Customer service has always been helpful to me. I'm glad I'm not dealing with the creditors any more. That alone is a big relief. And I know it's going to take some time, so I'm willing to invest in myself.


lrhall41

Submitted by on Tue, 04/24/2007 - 01:45

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Isn't it funny that all of sudden we are seeing theses people talk good about mezey.i am laughing at the employees that are writing such good things about their company. #1 mezey has a big fat f rating with the better business bureau.#2 mezey switch from n.d.s. who handled their customer service has of 1/31/07. Mezey is now in charge of all operations. #3 they have been telling people since they switched that can monitor your account on line. Almost three month later and still waiting.#4 will not email or send out any account activity. #5 i settled two of four debt myself. #6 theses people are unprofessional.#7 you will be at their mercy, instead of setteling your debts as agreed,they will settle much higher.#8 my true experience is to negotiate yourself with your creditors and save the fees that you will pay out to mezey on setteling one of your debts.#9 theses people were more of a nightmare to me then the creditors.


lrhall41

Submitted by on Tue, 04/24/2007 - 15:52

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Best decision we ever made! Big load off our backs. Finally we're able to sleep at night!


lrhall41

Submitted by on Wed, 04/25/2007 - 08:25

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It is amazing that there seem to be so many happy clients of Mezey. Great for them! I just got my reserve account refunded to me after 3 months of trying. It was a game to these people, I had to wait 10 days after the check was supposedly issued, call them to say I had not recieved it, they would put a stop payment on it. Then I had to call 3 days later to make sure another check was issued. Then the game started all over again. Wait 10 days then call etc....... They kept the 3,000+ as their fee. I find that completely unethical, because they did nothing they promised, they actually breeched their own contract. I hope who ever is reading these posts, and considering Mezey, please take all of the testimonials into mind! A lot of people are really mad and a few seem very happy, I guess its up in the air as to how your situation will be handled!
Good Luck


lrhall41

Submitted by on Wed, 04/25/2007 - 10:36

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I'm grateful my friend referred me to Mezey & Associates. I can finally sleep at night! It's not easy cutting back on things, but I needed to get out from under just too much debt. It takes time, so I encourage others to hang in there. Bailing out is only going back to old bad habit patterns. Better to bite the bullet and be more disciplined, invest in yourself. God Bless


lrhall41

Submitted by on Wed, 04/25/2007 - 21:04

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I did bite the bullet and went with Mezey and stayed in the program. Now I can tell people that they lied like a of bunch dogs to get you into the program and also promise you a rose garden. I settled two of my four debts myself. Mezey told me that I would pay out about 22,000.00 thats including their fees of 5100.00. I wound up paying 31,000.00 on 37,000.00 in debt.
I am telling you people if you are looking to get out of debt then look for someone else. Mezey and Associates has a big fat F rating in customer service. This is a company that cannot provide you with statements and also you cannot access your account on line. I do not know anyone who doesn't keep up with their money when paying into a program like this. With Mezey you are at their mercy. I think the best thing you can do is call the better business bureau. Right now, Mezey and Associates has a big Fat F rating this should tell you to stay away. I wish that I had called the BBB it would have saved me money and many sleepless nights.. BEWARE !!!!!!!!


lrhall41

Submitted by on Thu, 04/26/2007 - 06:44

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I called Mezey and associates, and was called back by some ignorant clown from Colorado. The guy who called me back was not a lawyer, and when I asked to speak to an attorney I was told that I could not speak to an attorney...."they were too busy".

Any time a "so called law firm" tells you you cannot briefly speak to an associate level lawyer.....just to verify if it is legitimate.....it is a scam!

J Wade Mezey should continue to peddle penny stocks...lol


lrhall41

Submitted by on Thu, 04/26/2007 - 06:45

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I'm debt free and thrilled! So, I can only encourage others to hang in there and not to listen to the few negative clients who blame everyone else for their own problems!


lrhall41

Submitted by on Thu, 04/26/2007 - 12:00

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mezey was charging me 15% of my debt to help me,it sounded ok at the time,but when i found out that the creditors werent being contacted i started to worry i then found out of why mezez moved to ny,17 complaints with bbb in calif.,when i tried to access my account to see how this system worked i couldnt,i hired a real lawyer,who told me that these programs will not stop creditors from taking you to court,so why pay 15% for people who make money on you when you can do it yourself,whats the worsed that can happen that theywill can you to court,15%fee would pay off at least one credit card


lrhall41

Submitted by on Fri, 04/27/2007 - 05:18

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To file a complaint against Mezey and Assoc. and Harry Reis, the owner, contact the Cal Atty Gen Office, and call Kenneth Abbe or Barbara Chun at 1-310-824-4343, they are with the FTC Western Region. From the NY Atty Search I see that Mezey is not even in the same office and is just a figurehead, they are absolutely NOT a law firm that they mis-represent on their website and their address yourdebtlawyer.com. Should be .con.It looks like they have many angry clients. TOTAL CROOKS!


lrhall41

Submitted by on Mon, 04/30/2007 - 13:13

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DO NOT beleive any of the positive "sales" posts regarding Mezey, I'm sure these posts are done by him or the owner Harry Reis, he runs the show and is accountable and mainly responsible for the disaster that is Mezey and Assoc. If any you want to email Harry Reis, the owner who runs the show, I found it's hreis at yourdebtlawyer (com) and he is in the Burbank office at: 15981 Yarnell Street, Suite 209
Burbank, CA 91342. The NY Atty, search show that JW Mezey (Joseph Wade) is at 405 A Arenoso, San Clemente, CA 92672 and his ph. # is 1-949-542-7661.
MEZEY IS IN A SEPARATE OFFICE NOT EVEN REALLY INVOLVED WITH THE "LAW FIRM" THAT THEY TOTALLY MIS-REPRESENT ON THEIR SITE AND SITE ADDRESS: yourdebtlawyer.com Probably won't be long now until these crooks are shut down like many other debt settlement firms have been by the FTC


lrhall41

Submitted by on Mon, 04/30/2007 - 14:01

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Happy to say that we're down to our last credit card now. It hasn't been easy, but is a lot better then paying the minimums for ever. Customer service has improved a lot and they've always been helpful to us.


lrhall41

Submitted by on Wed, 05/02/2007 - 05:41

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It works better then a bankruptcy. The court switched us to a chapter 13 and the payments were higher and for longer. So, we're much better offour now. Be your own best counsel and decide for yourself what's best for you. We did and it's working.


lrhall41

Submitted by on Wed, 05/02/2007 - 05:52

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Bankruptcy should be avoided if at all possible. I did one 15 years ago and though it doesn't show on my credit report, it does come up on background checks, so any future employer or anyone else can see that. And it stays on there forever. So avoid bankruptcy at all costs.


lrhall41

Submitted by on Wed, 05/02/2007 - 08:08

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I agree. My friend recommended Mezey & Associates, since I'd get stuck with a chapter 13 repayment plan if I did a bankruptcy. And, so far it's working well for me. I had a lot of stress and am feeling a big relief now. I cut up all my credit cards and had a party to celebrate. Better to be debt free then be up to your eyeballs in debt!


lrhall41

Submitted by on Wed, 05/02/2007 - 09:01

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It's truly a relief to have Mezey's lawyers deal with the creditors lawyers. They're all a bunch of sharks and all the creditors seem to go legal right away now. So, it is a tremendous relief to have them deal directly instead of harassing me. Meanwhile I can focus on getting back on my feet financialy.


lrhall41

Submitted by on Wed, 05/02/2007 - 09:29

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Thanks to Mr. Mezey I'm glad I'm not dealing with the creditors any more. That was a nightmare! And the customer service has always been helpful to me. My debts just kept accumulating and I considered BK too, but decided to not go that route and I'm finally getting some of these cards paid down.


lrhall41

Submitted by on Wed, 05/02/2007 - 11:16

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what are you people smoking?how can anyone tell one,who is in their program that these people are lawyers they are not,if you cant access your account then how do any of you happy customers know whats going on,credit card companies are still calling me ,if you call customer service they are nice but never give you a direct answer to why they are not stopping, these calls are getting worse,if a payment isnt made in 120 days they will take you to court,mezey isnt doing what they promised


lrhall41

Submitted by on Wed, 05/02/2007 - 14:18

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Customer service is real good as far as I'm concerned. They're a big company with over 300 staff, so I haven't spoken to the same person twice, but they're always polite and helpful.


lrhall41

Submitted by on Wed, 05/02/2007 - 16:03

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Lorraine answered all my questions today and I must say I've not had any problems. They have their act together and do a great job!


lrhall41

Submitted by on Wed, 05/02/2007 - 16:23

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As an ex-Credit Counselor we were told by our superviser to go online and post negative comments on our competitors. They were jeolous of others success and did all they could to sabotage everyone else who actually did get clients out of debt. credit counseling has a 75% failure rate, but you don't hear much about that, as they're endorsed by the creditors. The truth is they're just collectors for the banks and will do anything to get your money. So, don't be swayed by the few negative comments. They're probably just competitors, or ex-employees with a grudge.


lrhall41

Submitted by on Wed, 05/02/2007 - 18:38

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if you go into this program know this,they will take their fee which is 15%of your debt,first this could take months ,now credit card company doesnt get any payment so after 120 days your account goes into collections,mezey gets paid before anyone,this will get a judgement against you for sure,mezey will not send a lawyer to defend you only forms,is that what you get for 15%fee?


lrhall41

Submitted by on Fri, 05/04/2007 - 07:39

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I was a client for 7 months. During that time they took me for over $6k and all I got in return was a lawsuit against me, a judgement, and garnishments on my bank account and my paycheck. I filed chapter 13 to stop the judgement and the garnishments. If you sign up with Mezey you'll pay the price. The previous post says it all. They just send you forms that won't hold water in a court. DON'T DO IT!!!! Mezey is a crook.


lrhall41

Submitted by tricam on Fri, 05/04/2007 - 22:07

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all the people who are satisfied are singing in the same key (similiar words and phrases, short posts), very suspect. Also they seem to come in bunches that are very close in time posted, suspect. Some thank Mr Mezey, like he actually exsists and they've spoken to him, suspect.

If you really want to have some fun, go to your local library or law school and have a librarian do a search for Mezey to get a phone number and address. Yep, you stumped them.

Most companies have their name in their web address (free advertising and name recognition), not Mezey.

Run Run Run


lrhall41

Submitted by on Fri, 05/04/2007 - 22:26

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Are you kiddin me when it comes to Mezey - RUN RUN RUN RUN. Contact the attorney general in your state and lodge a complaint. Companies need to register with the Sec. of State to do biz in your state, Mezey could not be found.

I finally got a supervisors ext number so I could go there directly, ha ha not with this customer DIS-service company. An improvement over the last c.s. dept that did not even have Voice mail ?? Are you kidding me in the year 2006!


lrhall41

Submitted by on Fri, 05/04/2007 - 22:39

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letting Mezey take money out of your account is akin to taking 20's and 50's and lighting them on fire with a match.

try to do a search for their phone number or address....nothin doin
try to find them in the phonebook under attorney....not in the cities in CA or NY, suspect

try to get a name of an attorney......nope
their customer DIS-service depatrment was run by NDS LLC and is now run by Americorp. Ask them on the phone for the law firm's headqarters phone and address. You can escalate and talk to supervisors supervisor's supervisor and still not have an answer.

As mentioned earlier 300 employees? why do I always get the same one or two and no matter what time I call they are experiencing unususlly heavy call volume? Yes, their system to check your payments is never working.

Look at the emails that you have received from this company. Where are they coming from? And don't get me started on the response times and quality of the answers -POOR POOR POOR; just like all of us that were swindeled.

Oh, by the way what do they do for the money we send? I had to repond to the courts when judgments were levied against me. I had to send the cease and desist letters when I asked THEM to send them.

Oh and try to get copies of correspondence sent out on your behalf...I am still waiting for some from last December! RUN RUN RUN


lrhall41

Submitted by on Fri, 05/04/2007 - 23:01

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As a Paralegal I thought I'd comment, as there seems to be some major misunderstandings here. Hope it helps.

I'm not sure what CS debt settlement is, but Credit Solutions is a Texas Debt Settlement company, not a Law Firm. They may retain lawyers but are not lawyers themselves. There's a big difference. Most debt settlement companies charge a few fees totalling 30% or better, which is comparable to standard legal fees. However, most creditors today will not deal with debt settlement companies.

Further most debt settlement companies are not licensed, bonded and insured, nor regulated by the Bar Association. They can promise all sorts of things, but may not legally be able to fulfill their agreement. So, I'd suggest seeking legal advice before retaining any company and explore your options.

Hope that helps.


lrhall41

Submitted by on Sat, 05/05/2007 - 12:04

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I just had my 3rd card paid off for 43%, so I have nothing but praise for Mezey. There are always going to be complainers, not matter what. So, I ignore them and do what's right for me. Even if it cost me 100% of what I owed, that's half of what it would be in 3 years, if I was stil paying interest! It takes time, but they do what they say they will. In looking at my choices, I could have continued paying my minimums forever, but now they are finally get paid off. To me it's been like dieting though, I had to pull in my belt and grin and bear it a while.

As to customer service, a year ago it was hard to speak with anyone, but that seems to be a lot better lately. Their explanation that they went through a tremendous growth and had a hard time adapting for a while made sense, even if I didn't like it. Now things seem to be running more smoothly.

At this point I'm working on credit restoration, so I can buy a house. A couple years ago that was just a dream, but not it's something I can start planning toward. So, I'd say to anyone in the program, hang in there, as it works. And, if creditors are still bothering you, find out your rights. You can do something about it.


lrhall41

Submitted by on Sat, 05/05/2007 - 12:29

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it's working for me..and i'm happy with the results. My sister referred me and she's been in the program over a year now and recommended I do it too. I did the math and it was a lot cheaper to do it this way then any other ways i found. if you add up all the fees some companies charge it's like half what i owed, so this was a good alternative to filing for bankruptcy.


lrhall41

Submitted by on Sat, 05/05/2007 - 12:39

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Is Credit Solutions affiliated with Debtxs? If so, Debtxs is a ripoff! I don't care if you work for them or not! I don't know how a person can work for a company that will rip people off like Debtxs has. You can read all of these other reports because mine is the same. They tell you not to answer the creditors calls, but don't give them Debtxs' name because they don't want to talk to them either, although I gave Debtxs my money to pay these creditors! This company should be closed!

I can't see how our government is allowing this company to rip people off like they have. I haven't received any of my money back. They have offered 200 dollars, which is not even close to 1/3 of what I paid to them. Debtxs- you are a rip off company. RIPOFFS. You should be ashamed of working for a company like that! It will all come back to get you in the end. JUST WATCH and see!

J


lrhall41

Submitted by on Sat, 05/05/2007 - 13:22

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you must be bad in math,15% is a lot for a company to charge for something you can do yourself,credit card companies will never stop calling until a settlement can be reached,mezey can only settle when they have your money in account,which by the way you cant access any longer,after taking their fees first they will settle,but you can also do this yourself,i have settled at 60%and 70% ,since being with mezeys program ive paid them $2300 which they told me it was for their fees,what about a payment i asked?customer service informed me that no payment would be made until fee was paid,this is why creditor still call,mezey is only another bill collector


lrhall41

Submitted by on Sun, 05/06/2007 - 07:57

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I was scammed over the Phone by a Damian Morrow who works for Debtxs. I was told to "stop" paying my bills and started paying Debtxs payments for their service.

When I was done paying Debtxs I had spent $4,000.00 that I could have paid my creditors off with. By the time I had almost saved enough money to settle on an account I was in the process of being sued by 2 out of the 5 creditors I had enlisted into debtxs's program.

I had no choice but to file for Bankrupcy. After some investigating I found that Debtxs never spoke to anyone of my creditors and the 2 that were suing me don't even deal with companies like Debtxs. (I admit at the time of my financial crisis I was pressuring myself to find a way out of debt and was ignorant to scams like Debtxs.)

I wish now that I would have explored other options, got counseling and somehow been informed of the scams these companies operate. "It is a Evil world out there and sometimes the demons are snarling at you behind the deceived voices of the willing and hungry masses."


lrhall41

Submitted by on Sun, 05/06/2007 - 18:53

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Don't believe the positive posts on Mezey, they are by him or the owner Harry Reis who is at 15981 Yarnell St. Sylmar, CA 91342. Make your voice heard and join others in helping to stop this corrupt firm by calling the FTC and Cal Atty. Gen. office. Call the FTC complaint # at 1 877 382 4357 and the Atty Gen. at:1-800-952-5225. You can call Mezey to from his # on the NY Atty search at 949 542 7661.


lrhall41

Submitted by on Mon, 05/07/2007 - 12:07

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Credit Solutions and Debtxs are not law firms. Stay away. Most creditors will not deal with them. All they do is take your money and run!


lrhall41

Submitted by on Mon, 05/07/2007 - 13:13

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DebtXS is another debt settlement company and not a law firm. They misrepresented themselves and routinely charged a total of over 25 percent of the total amount owed. The fee was paid over several months via automatic withdrawals from their bank accounts, though some were unaware they had agreed to this arrangement with the company.

DebtXS also required consumers to place the money they would have normally paid to creditors into a personal savings account over several months or longer. Like asking a fox to guard the the house! If clients could save money they already would have.

The cessation of payments technically put consumers in default of their contractual obligations with creditors, which triggered aggressive debt collection efforts and even lawsuits brought by some creditors. DebtXS misled some consumers into thinking it would hold creditors and debt collectors at bay during this period and prevent any litigation.

After several months, DebtXS would contact creditors and offer to pay off the debt at a fraction of the total balance owed. If creditors agreed, DebtXS would contact indebted consumers, who would make the agreed-upon, lump-sum payments to creditors from the savings they had accumulated over time. If creditors did not agree to the offer, insisting late fees and interest were due, consumers would be immediately liable for the entire new balance.

Most clients believed they were misled and were unaware of the costs they would incur and ad up to 25 percent or more.

Many believed the fees withdrawn from their checking accounts were being applied to their debts, when this was not the case. Other consumers reported the company misled them by offering "legal advice" as to whether they should file personal bankruptcy.


lrhall41

Submitted by on Mon, 05/07/2007 - 17:27

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debt settlement is not the best route if you have trouble saving. I say this because I tried this route and failed. I lost $5000 to a debt settlement company based in Texas. Most of these companies have terrible service. I paid most of my money to them and only settled one account - a small one! Many of my accounts went to attorneys and they filed judgements against me. I finally dropped the company and went to an attorney here in my home state. I was dealing with $40,000 in credit card debt and did not know where to turn. I am now in a repayment program available only in Wisconsin which will have me debt free in 3 years - I have 16 months left. The attorney fee was only $750 vs the ridiculous amount the debt settlement company took from me!

Dropping a debt settlement company was the best thing I did. Talk to an attorney in your own city about your options. It seems many people here have nothing good to say about the route you are considering. Debt settlement works, but only if you are good at saving. Please talk to an attorney, they can help you and they probably will do debt settlement as well.


lrhall41

Submitted by debt in wi on Mon, 05/07/2007 - 17:43

( Posts: 36 | Credits: )


According to the UDSA of 1995 of the Uniform Commerical Code which regulates the rules and regulations of all debt settlement companies; if an individual terminates a contract with a provider ( debt settlement company ) and the provider has not yet settled any accounts; the provider MUST refund 65% of all settlement fees which is usually 15% of the original debt of the individual. I recently terminated my contract with Mezey and Associates because I was able to settle my debts on my own. They did refund me all of my reserve amount, but did not refund any of the settlement fees. I have obtained a attorney who is very versed in this area and we are going to write and ask for a 65% refund of the settlement fees. If they chose not to refund, we will consider a legal suit against Mezey and Associates as they have violated several aspects of the above mentioned act.


lrhall41

Submitted by on Mon, 05/07/2007 - 17:52

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I'm glad I went with Mezey instead of some bogus debt settlement company too. They tried to sell me some BS story, but my debts are now in the hands of an attorney, not some boiler room operation. And, I'm not sure how it works, but my understanding from my attorney here was a law firms fees are non-refundable. He recommended Mezey instead of my doing a Chapter 13, as it would have cost me more and taken longer, but if I did do the bankruptcy even his fees were due upfront.

Also, my creditors were pretty slick in offering me deals but only after I hired Mezey. They each wanted to get paid first. So, I stopped talking to them. I thought about quiting the program and doing it myself, now that they were going to give me deals, but I'm still a bit gun shy and would rather have a pro handle it.

So forget the debt settlement companies and see a lawyer and if I had to do it over I'd call Mezey again.


lrhall41

Submitted by on Mon, 05/07/2007 - 19:13

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I agree. Hire a lawyer. The creditors hire theirs right away. It's becoming standard practice to immediately go legal. You go late, the sharks come after you fast. Plus they don't negotiate with debt settlement companies anymore. That's like going to a nail salon for an appendectomy.


lrhall41

Submitted by on Mon, 05/07/2007 - 19:25

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Bigtim,

I dropped Mezey a couple months ago and would like to know how to get my money back. Can you give me a number to contact for information regarding "UDSA of 1995 of the Uniform Commerical Code". I did a search on this text and didn't find anything. I'm just sick for putting my trust in these crooks.

Thanks for the information.


lrhall41

Submitted by tricam on Mon, 05/07/2007 - 20:07

( Posts: 34 | Credits: )


debt settlement is a ripoff! I find it unfortunate but necessary out of concern for the public's best interest to inform you of numerous fraudulent and deceptive sales practices and illegalities being conducted and perpetrated by Debt Settlement America (DSA) and the owner of this company, Chris Kesterson. DSA is a debt settlement company, however, they often violate the Deceptive Trade Practices Act ???? 17.46,

???????(b) (3) causing confusion or misunderstanding as to the source, sponsorship, approval, or certification by, another; (5) representing that good or services have sponsorship approval, characteristics, ingredients, uses, benefits, or quantities which they do not have or that a person has a sponsorship, approval status, affiliation, or connection which he does not; (24) failing to disclose information concerning goods or services which was known at the time of the transaction if such failure to disclose such information was intended to induce the consumer into a transaction into which the consumer would not have entered had the information been disclosed.???????

By confusing consumers not only in Texas but nationwide to the fact that they are a debt settlement company and not a debt consolidation company. In addition, they proclaim all their employees are bonded and this is a blatant untruth. Furthermore, they state their debt negotiators are all certified, again, this is patently false. Often consumers are given advice regarding their credit scores when entering their debt settlement program and that advice again is false and misleading when DSA salesperson(s) tell consumers their credit score will be minimally impacted.


lrhall41

Submitted by on Mon, 05/07/2007 - 21:15

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Credit solutions is no good. I went to incharge.com and credit solutions came up instead so i called these people and told them that my husband and i was in debt and they said they could help so i gave them all my information that they ask for and they never paid anything on them no we got turned over to collection agencies and they said they never got paid


lrhall41

Submitted by on Mon, 05/07/2007 - 21:22

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CSA is claiming to help people get out of debt by settling amounts owed to creditors at a percentage of the amount at the time one enters into an agreement with them. In return, they collect a service fee 15% of the total debt. However, I now realized that they have taken my money and failed to fulfill the obligations of the contract. The BBB has 400 complaints against this company over the last 3 years, most in the last year and it would appear that due to high volume, these complaints are not being addressed before more and more people are getting scammed by this company.

CSA tells customers to stop paying the current bills, while they make an offer to settle the entire sum owed at a smaller amount. In my experience - Only one debt of the 7 initial accounts was settled, and for 60% of the initial amount, not 40% as advertised. This account was never requested by me to be settled, it appears that CSA has some benefit in settling this account with Providian.

The other debts I have requested to settle have not been settled, despite multiple requests. As a result, Discover took me to court and I have become delinquent on numerous accounts. As before my credit was just overextended, and I had been paying accounts on time, I now have multiple delinquencies and my credit is ruined.

When trying to reach CSA, 75% of calls are dropped or do not go thru. The ones that do, I am told that someone will get back to me, however no return calls are made. They have essentially taken 5000 dollars and stopped doing any of the services that they should under the contract.

When I finally established contact with a person, I asked that they put down in writing their promises and they ignored the request and have not refunded the fee. It is simply an issue of the company charging money and not fulfilling any obligations, instead ruining the person's credit for good. This is the biggest scam and BBB is too backlogged to stop this company from ruining more lives.


lrhall41

Submitted by on Mon, 05/07/2007 - 21:44

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Credit Solutions talks a good line until they get your info, then everything goes the opposite way. They will not return clients calls, do not respond to emails, do not contact creditors. Their 1st rule: "Let Credit Solutions do the talking for you", is a laugh. Clients are told to fax creditor letters to them so that they can respond or help the client respond, that too is a joke.They claim to be members of the Dallas Better Business Bureau but as of June 1, 2006, they were not. There have been 126 complaints filed with the Bureau in less that the three years that Credit Solutions has been in business. Settling these complaints is like pulling teeth. And most often does not happen.

They claim to settle their clients accounts at 60% savings in 12-36 months. that the client is then debt free. It does not happen. Nor do they have monthly follow-ups or credit counseling as they state.

They give tricks and loopholes for clients so that the creditors cannot reach them. There are two printed in the handbook. I called and finally got one of their reps when a very pushy creditor continued to call me. I received a very blunt answer when I told the employee my problem: "We do not contact the creditors, they have to call us."

They claim to have "working relationships with the credit card companies. I received a letter from Advanta stating that is not true. Credit Solutions is not regulated by the FTC. This was after I called Credit Solutions and was told yes they do work with Advanta. They have to have a checking account number from the clients so that they can take their fee out monthly.

I cancelled the one at my bank and faxed a ternination letter to Credit Solutions on June 2, 2006. It did not take them long to call me because they could not get their money. I told the employee my problems with them and that I wanted the money returned because they had done absolutely nothing to earn it. I was told that he needed to talk with his boss and that he would get back to me. That was one month ago.

I urge anyone who has had dealings with this company to put it on this web site. They need to be stopped. Their false advertising needs to be stopped.


lrhall41

Submitted by on Mon, 05/07/2007 - 22:29

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i just dropped mezey,iwent to a real lawyer who told me unless you have at least 40% of your debt in your trust account companies wont settle,they will then take you to court,if you have more than one credit debt somebody is not going to get paid,mezey will send you paper work to file but never will you see a lawyer to protect you from a judgement,so beware of any promises made,they cant be kept,mezey will take their fees and leave you still in debt


lrhall41

Submitted by on Tue, 05/08/2007 - 06:34

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