Creditsolutions.com – many complaints. Are they legitimate?

hard to say

i'm enrolled too, three months in.

great thing for me though is that i have a real lawyer, too, because Creditsolutions.com were unable to settle my discover account. Even though they told me that if a program doesn't settle with them, they drop them.... i found out when discover's collectors started throwing out litigation threats that discover hadn't done ANY settlements with credit solutions for a good month or two before i even signed up. and now it has become this huge ordeal to get them to remove my discover account from what I pay every month (they do offer a settlement guarantee in the contract you signed). It takes them about five minutes to draw up the contract and about five weeks to change it.

to do all over again... i'd do one of the debt settlement places where they have legal professionals that work in there.. i actually got a call from creditsolutions.com after i was in the program for about four weeks telling me if i didn't pay discover in full they (discover's collectors) would sue me.

so, take that for what it is worth. i'd be happy to chat privately about my dealings with them as well.

Sam, do you want to discuss the matter with another settlement company other than Creditsolutions.com and know the problem areas. I guess you can take care of the matter if you put a new proposal to a different company. If things sound well, you can cancel the contract with the previous company and work with the new one. Remember, you must have your contract in writing so that it helps during times of disputes.

if you sign up with a settlement company and discover finds out they will sue you ASAP !!! they know they will never get any money from you so they take early action .They dont work with consoldators and if they do they settlement amount will be very high .Here is how it works lets say you decide to sign up with a settlement company .You are only 30 days behind settlement companies (Creditsolutions.com ) dont make payments they store your money until it is time to setttle on the debt .Meantime your account will go 60,90,120,150,180,210 days behind and reflect this way on your credit at 210 days + you will charge off this is an r9 for 7-10 years .It is mandatory for the company .So if you tell them you are with a settlement company they will most likely take you to court .Here is the thing settlement companies change your address to theirs and request a cease and desist letter and change your phone # to their office # you will never know if you are being sued until it is to late.You signed over a POA so good luck with that

I signed up with Creditsolutions.com and discover was one of my cards. They walked me through a phone call with them and they at least started to work with me.

now were in negotiation...so thank goodness I dodged that bullet.

Hi all.....Just read everyones comments on creditsolutions.com and I am now very upset. I just finished signing up with them....Was this a bad choice?????
If anyone out there has had "GOOD RESULTS" with them please comment. Does anyone know the cancel policy????
thanks!!!!!! Kathy in New York :( :( :(

Credit Solutions Complaints: Has anyone seen credit solutions BBB rating?? They ARE NOT MEMBERS, Nor do they have a good rating... I have copied and pasted directly from the bbb website...

Anyone in credit solutions needs to place a STOP PAYMENT on them. I did, and it was the best thing I could have done.

I think they are legit. I have NOT had one harassing phone call from a creditor NOR have I received any bills from the cards I handed over to creditsolutions.com, so they must have done SOMETHING!

But three months in I am still very nervous about their customer service. They were all over me to get me to sign up but as soon as I did, I lost any contact with a personal rep and have to speak with people who are essentially operators, now. I have not seen one letter or notice they say they've sent, I can't get them to cc me on anything. Also, they say they check my savings acct. to make sure I'm saving settlement money but they never asked me for my account number... eek.

I am sticking with it b/c otherwise I'll lose the fee I've already paid them but I also have an attorney so if this goes bad, I'm protected.

Thanks for all the good info on Creditsolutions.com. I am so glad folks will share this. We are still looking to do this and pick a company to do it with. Thanks again. We will steer clear of this one!

I enrolled in Creditsolutions.com earlier this year. Nine months later I am being sued by Chase. Initially, I had no problem getting a hold of someone, now it's difficult at times and they would put me on hold for a long time. Told me to pay up the large lump sum asap cause they can't do anything for me. I am going to cancel and stop payment, then file bankruptcy, which I should've done sooner.

think they are legit. I have NOT had one harassing phone call from a creditor NOR have I received any bills from the cards I handed over to Creditsolutions.com, so they must have done SOMETHING!

But three months in I am still very nervous about their customer service. They were all over me to get me to sign up but as soon as I did, I lost any contact with a personal rep and have to speak with people who are essentially operators, now. I have not seen one letter or notice they say they've sent, I can't get them to cc me on anything. Also, they say they check my savings acct. to make sure I'm saving settlement money but they never asked me for my account number... eek.

I am sticking with Creditsolutions.com b/c otherwise I'll lose the fee I've already paid them but I also have an attorney so if this goes bad, I'm protected.

The above is a tell tale sign that you will be sued.

I made the horrid mistake of choosing creditsolutions.com. My last 18 months of trying to deal with them was worse than dealing with any creditor. They gave me the run around when I called, put me on hold and then after 30 minutes the call was mysteriously dropped. I had to call all over again and waste another 30 minutes, and another, and another. This happened to me so many times that I know it was deliberate. When they did promise me someone would call back, NOBODY ever did. I even suspected at one point that they had merged my file with somebody else's, as they had no idea where I lived or what my telephone number was. They kept repeating the wrong address and telephone number with my account. Of course, I attempted to straighten that out so many times I it would have been easier for me to drive to Dallas and put the data into the system myself. Creditsolutions.com never did straighten that out. I could go on and on with one complaint after another, but I think you get my drift. I just go so frustrated with them that I canceled my contract. They lied about the refund you will get. I settled for somewhere in the area of a 60% refund of the many thousands I had paid them to basically do nothing. I just the partial refund because the way they did business, I thought they could actually go out of business and I might have ended up with nothing. They have had several hundreds of complaints with the Better Business Bureau of Dallas (check it for yourself).
Oh, by the way, when a law suit was filed against me and I ended up in court, they were NO help whatsoever. If you hear their name, run, don't walk, in the opposite direction. If you have a contract with them and you experience some of the things I have mentioned here, you might want to at least rethink your options. Good luck to you all. I know the horror of being in debt and thats too with Creditsolutions.com.

Credit Solutions is not legit because not only are they not a member of the Better Business Bureau, but they are not accredited through TASC (The Association of Settlement Companies).

I had went with them for a couple months and was contacted by another settlement company. He explained that TASC is a trade organization that oversees the debt settlement industry in the country and makes sure those companies are following all the bylaws and regulations of settlement. It also lets consumers know which companies are reputable to go with.

When I made the swtich, they actually gave me a credit for the fees I paid to Creditsolutions.com. I paid Credit Solutions for 2 months at $300/mo. My new company credited me $450 of the money so it wasn't a total loss. I asked them why they do that and they explained to me that try to help people as best they can. Apparently, they do.

Credit Consultants was the name of the company. I believe that are located in Nevada. Try them, they know what they are doing!

Credit Consultants - 1-800-995-7765 x529

I had went with Creditsolutions.com for a couple months and was contacted by another [color=-]settlement company. He explained that TASC is a trade organization that oversees the debt settlement industry in the country and makes sure those companies are following all the bylaws and regulations of settlement. It also lets consumers know which companies are reputable to go with.
[/color]


TASC is an organization made up of debt settlement companies. Of course they will recommend themselves and say that they are the legit ones to go with. From what I gather, Debtxs is a major contributor to TASC. Debtxs is a scam and was recently sued by the attorney general of Texas and forced to return all monies ever paid to them by texas residents for false and deceptive business practices. TASC is nothing short of a way to create a false image like credit counseling has their "non-profit" status to hide behind. Fortunately, there will be no more 501-3c's given to credit counseling companies as the IRS is not only revoking them but no longer making them available for credit counseling companies. Which means the end of credit counseling in due time.

hello readers.......to all of you struggling with debt, i have the perfect solution, guaranteed to work, all you have to do is try it.....just try it for one week and you will be amazed......
take 10% of what you earn, give it to the Lord.
Now, for you skeptics out there, you must know how this works......so let me put it into this example....
if a farmer does not plant any seed, he cannot reap a crop........it is a universal law ......
nothing planted, nothing will grow.
If you plant, your seed will grow and you WILL reap the harvest......trust me......if you attend a church and don't tithe, that is why you are in debt.......
give the Lord, who gives us all good things, 10% and operate off of the other 90%......if you don't attend a particular church, find a poor person or an organization or church ......try this !!!!!
If you make $100 this week, give away $10........
try it !!!!!!! The Lord tells us to "test" Him, to "try" Him in this area ......He knows you need to meet your financial responsibilities..........
You will be amazed......money will show up just in time to meet your needs if you tithe the 10%-----
don't waste your time with debt consolidation gimmicks....the One who created you knows what you need.......Trust in the Lord.......then, share your
experiences on this site for others to follow.....
sooooon.......all will be debt free.
God is NOT a liar. He WILL provide ALL your needs.
I wish you all the faith to try this.......
give it a go and you will be truly blessed !!!! jl

Personal e-mail id removed as per forum rules. - Jason

I had 38,000 dollars of debt and after 2 years I finished the program early b/c I pd it off faster. No one sued me. As a matter of fact...I just closed on a house!

Well my husband and I enrolled in this program in october 07. What a waste of money and rip off. Intially it sounded very credible, but we have not heard from anyone, and we just got a letter from statewide credit warning us that they were in the process to sue. So I called credit solutions they said they would call them to see if we could get a settlement amount. Well they called the creditors and they werent going to settle for anything less than 100%. So they were never going to settle, and credit solutions was still going to take money out every month to do what with? Who knows my husband and I quickly withdrew from the program. We are just going to pay it off ourselves. Lesson learned Please read this and think about it before enrolling in this scam.

heather, you should get a 100% refund from this company if they were unable to get a settlement. If they give you the runaround and tell you that it is only a percentage of the refund make a complaint with the BBB immediately.

I had the same problem and had to fight for a refund but got one.

been with credit solutions since dec 07 and am not happy how can i get out of my contract? :cry:

I WAS IN A debt consolidation program AND DECIDED RECENTLY TO GO WITH CREDIT SOLUTIONS ITS ONLY BEEN ABOUT 5 WEEKS NOW AND SO FAR I DID RECIEVE A SETTLEMENT LETTER IN THE MAIL BY ONE OF MY DEBTS, SO I CALLED MY CONTACT PERSON AND TOLD HER SHE WAS VERY NICE WHILE ON THE PHONE AND ADVICED ME TO FAX THAT LETTER TO THEM SO THEY CAN RESPOND TO IT FOR THE AMOUNT THE LETTER STATED THEY WANTED ME TO SETTLE FOR IS ONLY LIKE 150. SHORTER THEN ORRIGINAL SO THEY SAY THEY CAN STILL GET IT LOWER SO I SENT IT TO THEM AND AM NOW WAITING. I SURE HOPE GOING WITH THIS COMPANY DOESNT MAKE ME WORSE OFF IN DEBT FOR I HAD JUST GOT IT GOING GOOD WITH THE LAST COMPANY WHEN I CHNGED DUE TO IT BEING MORE AFFFORDABLE AND FASTER IF IT WORKS AT ALL , YIKES WHAT A SCAREY THOUGHT.... :D

So far CS has settled two of my debts, and for a good saving onthe total. Yeah, sometimes they are hard to get on the phone but I have always found them helpful and get the services I think I need.

Sounds like Discover is the sticking point. Glad I dropped that card years ago.

Since starting with CS, I have not had any calls from collectors or letters. Hope that this is not stacking up in some file of theirs and I get blindsided by some court action....

Here's hoping..

Hello,

I am another victim of credit solutions and invested $1452.39 before cancelling today on the phone. C.S. never did anything and working with the original creditor is actually better. Anyway, how is the process to get a refund back? Any suggestions.

Thank you.

I would suggest filing a compliant with the Federal Trade Commission , the BBB and the state attorney general in Texas.

Here is his contact info

I am highly distraght and stressed out dealing with credit solutions. I tried to pick the best, most reputable company to help me w/ my debt, but they only made it worse. I had to handle my Target account by myself. They were of no help. The attorney for Target that came after me, told me that Target does not do business w/ credit solutions and that credit solutions knew that. Credit Solutions contacted me several times to enroll me, but somehow became so hard to contact after I signed with them. They are horrible at returning phone calls (if they even do) most likely YOU will have to continue calling, they give false and misleading information, and they have made things so much worse for me. I have yet another two outside companies working with my creditors after me (regarding Kohls and Discover (Discover might sue me). I explained to credit solutions that I DID NOT want that to happen again, like what happened w/ my Target account. Once again, they did not do anything, and let my accounts slip into the last stages before I get sued!!! Talk about stress! What were they doing the whole time? Sure wasn't keeping my best interests at hand. It is so annoying. I could have done this myself instead of paying credit solutions to sit on their butts, not call me back, and basically say "oh well, you're about to be sued." I am a mother of two, and I do not know what to do if I'm going to get sued. I feel like its too late. Iv'e been w/ credit solutions for awhile now, but they lied to me. Very distraught. Don't believe them.

Highly Frusterated I am sorry to hear about your situation. You need to file a complaint with the BBB , FTC and your state attorney general as well as the Texas state attorney general. You might be able to bet your money back and use it to settle your debt on your own or hire a settlement company that doesn`t suck. Good luck. :D

I accidentally found creditsolutions.com over a year ago when I was looking for debt consolidation. They sold me on the whole debt settlement deal. So, I stopped making my monthly payments. Months and months went by. Creditors kept calling me, I kept calling Credit Solutions. Months went by and Credit Solutions wasn't solving anything. I would call Credit Solutions, wait on hold for a long time, give them the creditor info, and still...no results. More creditor calls. So I settled two of the cards myself. On one of my final cards, I entered the program with about a 2k balance. I just got notice from Credit Solutions that they're willing to settle for 1800 and that's a 1200$ savings because my balance is 3000 dollars. When I called to ask where they got a 3k balance from, they told me because of fines and fees, my new B of A balance was over 3k. I went nuts. I was told not to worry about the fees and interest because those would be thrown out when settlement time came. Why would I risk my credit history over a 200 dollars savings? After reading everything about this company online, I'm surprised there is no class action lawsuit against them. They shouldn't be in business. I spoke to someone else that used them. They had 80k of debt and could only afford to pay off 60 because of loan provided by a family member. Credit Solutions said no problem. Over a year went by, and Credit Solutions was settling accounts, but taking a massive monthly fee at the same time. By the time their 60k ran out, they still had one card left that had a balance of 10k. They would have been better just filing for bankruptcy and not even borrowing from family. What a joke. In my opinion, if you have debt problems, you have 3 choices. Bankruptsy, keep making the payments, or settle yourself. You don't need to hire a deblt settlement company to settle credit cards. I did the two myself and saved a lot of money. Credit.com has a lot of useful info.

Good luck and do yourself a favor. Never use a credit card, ever, ever, ever, again. It's not worth it.

The Law firm of Hagens Berman Sobol Shapiro LLP. has filed a class action law suit against them. Any one ripped off by credit solutions should contact them and get in on possibly recouping some of your losses. Looks like karma is finally coming back to bite them. :lol:

I am so glad I took the time to read this. I was going to sign up tomorrow. They called me at least 5 times in the past two days. Their sales pitch seems too scripted. I have talked to at least 4 reps and they all say the same thing. I am really in serious trouble due to being laid off for 6 months. I need help, not more debt.

I have been with CS for over a year now. There was some miscommunication somewhere in the middle but now things are back on track and they have finally settled my accounts for 50%. They also took care of things when I was talking to the collection agency, ARS, that was trying to really screw me over. I settled and made the payment to the collections people, ARS, and they were trying to screw me by not giving me the settlement in writing. The lady I have been talking to at CS put the smack down on them and got it for me in 15 mins and I had been waiting 4 months for it. So, I guess you can say that for me, CS worked and got the job done. Their customer service is also really nice. Would I ever take this route and do it again? DEFINATELY NOT!!!

Hi Everyone,
I am a former loan officer with a top credit union. Your best bet is to go with Consumer credit counseling. This is the only company that is recommended by your creditors and the credit reports. CS and other debit consolidation companies will tell you bad this about CCC because they want to get large fees from you. If you notice, the fees are more the savings with the creditors. CCC is the only there is a fee, but it is to help with processing and it is way lower than any of the other companies. IMPORTANT POINT: Your payments will be made monthly. The process may take longer than other companies, but you did not get into this debit overnight, so it is going to take longer than a night to get out of it. CCC will set a plan that will work with your current financial situation. Now the credit report part. Because you are making the arranged payments, your credit report with reflect that, but until you are done with the program, it will show that you are with CCC and you will have a had time getting credit. But once you are done, the CCC info will be removed and your creditors will report as if you paid on your own. This means a high credit score. ANOTHER IMPORTANT FACT: When you make a settlement, this is considered income at the end of the year with the IRS and your credit report will reflect this. CS does not explain this to you. Imagine, $5,000 in settlements only to be counted as income at the end of the year. How about that, payoff some creditors and get a tax bill to start your new year if you do not have enough write offs to give you a tax break. I called CS because I wanted to understand how this program worked, and basically, they told me that it's ok to let my creditors go late because they do not negotiate anything until you have saved up the money (outside of their payment), and they call the creditors and say everything that you can do. They told me the creditors work better with them that with an individual person. The rep did not want to discuss the condition they are putting your credit rating or the tax liability. Actual the rep made fun of the situation. When I continued to question him, I was told, that I was not ready for the program because I was, GET THIS, over thinking about things. I should just go with it. So please people, OVERTHINK. Your creditors would rather work with you than have to write of your account. It would be better to have a couple of 30 to 60 days late with some payment to the creditor, than no payments at all waiting to save up money to make a settlement agreement with 1 creditor at a time with possible account write offs and judgements. I understand the economy is hard and will get worst, call your creditors if it is still too much to handle, call CCC. If you don't believe what I am saying about CCC, check with your creditor and the credit reporting companies. They do not get kickbacks from CCC as the debit settlement companies will suggest. They want your money so they will say anything. You can file bankruptcy for less than what you pay them.

I agree, well kind of . You should do a debt management Plan if you can afford the payment. The only time you should consider a debt settlement program is when you are overextended and can`t afford a dmp , can`t afford the minimum payments , and don`t want to file bankruptcy. Unfortunately Creditsolutions.com sucks because they have poor customer service, plus they don`t do a budget before they enroll you to see if you even have a hardship that would require a settlement program. How can any company properly diagnose your problem without really knowing what you can afford.

You have one shot at this and if you make the wrong decision, you are screwed because some of these companies are growing so fast with the economy the way it is and with salespeople on the forums, that you could easily be assigned someone new in the office that is going through a divorce and are having health issues and accidently drop the ball on a few things through the course of a day and then you are in big trouble......woops, the account just got charged off and went to collections........sorry.
Rather than flipping a coin or taking the advice of someone you don't even know, see a reputable local attorney about helping you out if you get in a pinch and study up on this site and others how you can do it yourself. You will be money in the bank and at least know what is going on with your own finances versus allowing someone else to possibly get it all screwed up and charge you some hefty fees in the process. Be Careful Out There......... Worst yet, if you aren't careful, they could steal all of your money? It happens...........

How original guest . You just basically copy and pasted the exact same thing on several other threads. We get your point. All settlement companies are the devil. bla bla bla.

When I was looking into debt settlement I did not choose Credit Solutions because if I could save on my own then I would not have a problem with my bills. Plus they want fees but what are they doing exactly. How can they settle when the customer has to call them to let them know what is in the account. Settlements would be impossible, and at that point I could save my money and do it myself and I'd be doing at least 80%. So after my debacle at being with a law firm that was cancelled and I went with Superior Debt. In some of my other posts I mentioned my postive dealings with them.

Teresa - 888-366-3414 ext 304

I guess I need someone to guide me away from these crooks as well. I signed up back in 7/07 when they began drafting my checking account $632.74 for the first 9 months & have been now removing $316.74 every month since. I have only "settled" with one account & it wasn't exactly a great negotiation ( ended up paying 85% of the balance owed - HARDLY what CSA says they can get things down to ). I still get an occasional letter from a debt collector & promptly mail it to CSA ( whose address has changed ). CSA then emails me in return that they got the paperwork & to continue to send them any additional papers as they arrive. Kinda wondering exactly what my monthly $316.74 is going for!! Please feel free to contact me w/any suggestions for a go-forward plan. Thanks!!

OMG!!! I HAVE 3 ACCTS WITH CREDIT SOLUTIONS AND HAD TO SETTLE 2 OF THEM ON MY OWN BECAUSE ALL THEY DO IS SIT ON THERE ASS AND DO NOTHING BUT COLLECT MY MONEY FOR THEIR SO CALLED SERVICES. I HAVE BEEN WITH THEM SINCE JANUARY AND THEY HAVE ONLY SETTLED 1 ACCT FOR ME. ONE OF THEM I ONLY OWED 585.00 AND NOW ITS UP TO 1165.00 WITH FEES AND THEY WONT ACCEPT ANYTHING LESS THAN 700.00 IN 2 PAYMENTS. SO SOMETHING I COULD HAVE ONLY PAID 300.00 ON WENT UP TO 700.00 THANKS TO CREDIT SOLUTIONS.

I too, did the mistake of subscribing to cs, and gave them a ton of my money they do not deserve. I'm trying to sue them not but have trouble finding out who their "agent for sevice" is for Eastern California. Any tips of how I can get that info? They can not find it in court either :(

I too, did the mistake of subscribing to cs, and gave them a ton of my money they do not deserve. I'm trying to sue them now but have trouble finding out who their "agent for sevice" is for Eastern California. Any tips of how I can get that info? At court, in the small claims advisory they can not find it either :(

Credit Solutions currently has a class action lawsuit against them by the law firm called Hagens Berman Sobol Shapiro LLP out of Seattle, WA. I would try and contact them to see what you can do to recoup your money.

I enrolled with them a little over a year ago. So far they settled 1 account that was originally $1800 for $3000!! I have 3 other accounts threatening litigation and can't get the same rep twice on the phone. So far they have taken $3100 in fees!! I'm feeling pretty screwed over and barely making my mortgage payments to boot!! I have a 1st morg of $1800 and a second of $900. And before some genious tells me I should have blah blah blah, yea no shit!! Got it I screwed up!! I spent most of the credit card debt on a wife that pretty much conned me from day one. Yea again I know, I screwed up, I believed a woman that looked like she stepped out of cosmo actually loved me and not what I could/would do for her. I had intended to refi my second morg one more time to eliminate the cc debt but that's when the bottom fell out of the housing market and my house thar appraised at $395,000 in June 2006 appraised at $280,000 in March of 2007!! At this time my house is still worth maybe $290,000 if I'm lucky and I owe $220,000 on my 1st and $100,000 on my second! So now I still can't refi and I can't even sell the house because of the negative equity. So I have established my stupidity and hopefully will be enough for everyone about that, I am eminently aware of what I should have done. My task now is where to go from here as Creditsolutions was obviously one more screwup on my part. I welcome any CONSTRUCTIVE comments

There is no way you were a former loan officer with a top credit union. If you were, you would know the correct form of the words "debit" vs. "debt". Plus I can't even count how many gramatical errors are in your little rant here. Almost makes the point your trying to make, secondary. But then again when you describe your employment status, "were" is past tense.

After doing research on the debt settlement industry as a whole you will find that a majority of the companies do not post their ???????actual??????? results.

Why is that the case?



On the other hand what is easily found on the Credit Solutions website is:


1. Actual settlement letters, ranging from 5% to 70% - updated monthly

creditsolutions.com/service_settlements.php


2. Real people saving real money

creditsolutions.com/service_success.php


3. Their settlement department monthly / quarterly results since 2004

creditsolutions.com/service_results.php


4. Total debt settled ticker ???????? over ???????800 million??????? and counting

creditsolutions.com/about_facts.php


5. Awards ???????? from customer service to technology

creditsolutions.com/about_awards.php

Don't you think it's time for the "other" settlement companies to post their results?

no shill,because a legit debt settlement company doesn't haver to post numbers that could be phony over a public site.results speak for themselves.your a shill,but thanks for stopping by. :roll: :roll:

Let's be clear Paul, are you saying that Credit Solutions is not real?

That's a serious allegation on your part don't you think?

Anyone have any ideas on how to recover some of the thousands of dollars back from credit Solutions for not doing anything for 2 1/2 years. Very upset and could pay off a credit card debt with all the money I have paid them over 17 months. Ideas would be great.

Credit Solutions is a big joke. They will enroll any client they can even if they are better suited for a credit counseling program. Plus they will say just about anything to get you to enroll with them. CSA gives the debt settlement industry a bad name so I am rather glad they are going to get railed in the near future. Texas Steve if I were you I would get in on the class action law suite with Hagens Berman Sobol Shapiro LLP out of Seattle, WA.

Thank you everyone for all your comments. I haven't signed anything with them but they have been calling me non stop. I had a conversation with one of the sales people today and he promised to call me back tomorrow. When he does, I will tell him that I will deal with my debts in my own way. He promised me a 50% reduction on all my debts but I highly doubt that. Thank you again for your honest comments.

Hello there I was ganna join Credit Solutions but now after reading the BBB, and seeing what everybody is saying, I think no way in hell!! 4 Years of dealing with the US MBC in vietnam in trying to get my beloved to the USA I am now 67,000 in the hole its a long sad story I know. If your are interested in helping me please let me know thanks, anyway after getting off the phone with another DCP $1700/month I though was to high I called Credit Solutions they were very friendly on the phone and told no problem for around 1015/month we will get your dept payed off in 4 years they will take care of everything.

mom was horridied and told me there are a SCAM never share a account with a company that you got over the internet!!! well as much as I hate it Mom may be right I think the safest way in dealing is to suck it up , be a man and go to the local atterny's office and see what will be the best way to deal with this situration!! Take Care

JT 8)

great Information, but most of you are providing problems but no solutions, is there anyone in this thread with some answers to a company that will provide legit assistance?? It seems based on this information that the only way to do this is "yourself" it's a long process but there's nothing good about being in debt. My Wife gave me a book 'How to Settle your debts' by Norman H. Perlmutter CPA " The get out of debt coach" not sure if it will help some of you but there's a possible solution.

so from everything I see......the majority goes with they are not a legitimate company.......but then a couple seemed they are......debt sucks and anyone getting in debt.....STOP NOW!, it is a life ruining experience and emotionally stresses you out, which is a bunch BS......I am thinking of taking on my own debt settlement and sending letters to creditors myself and just chaulk up the fee I have paid so far as a learning experience......$1,000.00 learning experience....