Credit Solutions of America

I signed up with Credit Solutions in May of 2010, and was sent a debt solutions packet, and spoke over the phone, to a representative named 'Trevor'. Both the information given over the phone. and in the documents they sent me, explained that after paying a $4,050.00 handling fee, they would work with all my creditors, and assist me in making smaller, more affordable payments, and settlement costs, and that my debt would be gone in three years by using their plan. They told me how much I should put aside, of my own money, into my savings account, specifically for creditors, as they worked out settlements with said creditors, and that in the meantime, any payments I had been making of my own accord should stop until settlement, the deals had been made. I provided a list of all my creditors, and what I owed them both via mail, verbally over the phone with 'Trevor', and also as listed on my profile page on the Credit Solutions website.

As settlements were cleared, they were suppose to show up on my profile page, where I also could look at any incoming offers from creditors that were still being worked with. For this fee, I was also supposed to send my creditors' postal mailed letters, stating that I gave a power of attorney over to Credit Solutions, to deal with that debt, and that they shouldn't call me, but to contact Credit Solutions via the number, and contact information mailed to them. After about three to four months, I started getting calls from creditors again. Thinking Credit Solutions would handle any type of calls like that, I referred them to Credit Solutions. Now, as of February 2012, only one creditor was settled through Credit Solutions, and it is only that creditor that appears as being paid off on my personal profile on the Credit Solutions site, although two other creditors, who called me, and with whom I made settlement arrangements with, do not appear on my profile page as being settled.

In addition, I am receiving calls from creditors continually, and the other day, returned a call left by a lawyer working to settle a credit card debt. The lawyer told me that he could not get hold of Credit Solutions, and they had never once made an effort to discuss or handle my debt with that credit card company, though the company was listed on all my documents, including the profile page that Credit Solutions themselves have continual access to. I settled that debt on my own, by working with the lawyer, and now I am trying to get hold of Credit Solutions to find out what's going on. My phone calls are not returned, and I am left on hold sometimes for over an hour, no matter what hours I try to call them. Only the automated system ever answers the phone, and when trying to contact them online, I also receive no response, and while I can still access my profile page on the Credit Solutions web site, no information has been updated in any way shape or form.

Credit Solutions has been paid their fee in full, and it now seems that they only settled one solitary debt on a list of many given to them, and now cannot be contacted, nor does it appear that any of the creditors can contact them either, nor have they themselves ever been contacted by Credit Solutions to settle my debts. I would recommend that no one sign up with this company, and if you have, to sue them for false advertising and fraud. I plan to do so myself.

I enrolled with Credit Solutions in 2009. I have paid them over $6000 to help me with my debt. I paid off the money owed to them on 01/13/12. I have tried for 3 weeks now to contact them about a debt letter. I am put on hold for hours at a time no matter what time I call. I have emailed them and have tried to upload on the website and it is always an error. I cannot reach them via any mechanism! What gives do they exist?

I signed up with Credit Solutions with a service fee payment schedule which started 3/31/10. I paid my monthly fee in full and I have been unable to contact them about resolving my debt with two creditors. Their website does not work properly and when I call, I am on hold for a very long time.

Some of you people, I have a feeling, are border line mentally handicapped. If you don't know enough about how credit repair companies work, why would you just sign up because some stranger told you to? Really? I took Credit Solutions for a ride after doing plenty of research and wiped out $40K+ worth of debt for about $12K in one year. How? You work the system. I paid forward extra money every month to the company and asked them to immediately start settling my smaller accounts in the first two months.

Then I pooled my resources together over 6 months to get the bigger accounts cleared out. My average settlement was less less than 30% of what I owed on each account. You can't accept their first offer! And when they had settled all my accounts, I shut my bank account down and left them with the extra fees I still owed. They can't go back and reverse settlements. Is it a little dirty? Um, yeah...but hey, it's all about working the scam they put out there. You have to know how to work their game. Wake up, folks. If you are able to rack up $50K plus in debt and now have a proper exit strategy, you probably shouldn't have had credit cards in the first place.

I enrolled in the program on February 10, 2010 and everything seemed fine. I had an offer to settle with one of the creditors and I accepted. Recently, I started receiving phone calls saying the bill was not taken care of. I had thought the bill was all taken care of since I had given permission for Credit Solutions to make a monthly withdrawal from the account to settle that particular account. Now it seems I am back where I started.

We paid this company to help us settle our debt. They advised us to stop paying on our Discover card and they would contact the company and let them know we enrolled in their settlement program. We did everything that we were told to do. Ended up being sued by Discover with a judgment put on us. We then decided to go ahead and make payment arrangements to get this settled at full price through Credit Solution. CS made 10 payments to the company, but quit paying them as directed. We are now facing another lawsuit and our bank accounts have now been frozen. We have 3 small children and no access to our money due to Credit Solutions. This is not only ruining our credit, but hurting the well being of our family! We need help to get this company to take responsibility for what they have done.

The story about Credit Solution, don't let them fool you; they never help you. I have bad experience with them. They got me paying almost $2000.00 and they help me. I help myself talking with the creditor. If one day you want to resolve your debt, it is better to do it yourself because Credit Solution is a company that only takes money from you and fool you. 100 percent promise and they never move one hand. I hope somebody will help with this kind of company. They are still in the market only to steel from the poor people.

Since December 10th, I have tried numerous times to call and never any answer. I am trying to resolve an outstanding account and have paid in full all of my "upfront" fees about $2,300. Also, have sent several emails and no response! Are they still in business?

I left multiple messages, after I was put on hold for 15 - 20 minutes, and trying all previous extensions. I had worked on trying to reach them in the past, only to unsuccessfully getting disconnected and no response, from this company this week. I have sent 4 or more email requests to contact me, but to no avail. It appears that they closed up shop, since I couldn't get through, from the customer line, or new prospect line. Please report this, and assist future customers from going through this terrible experience I'm going through. The issue on my account is still unresolved.

When I signed on with them in 2007, the person I spoke to gave me the impression that part of the fees I would be paying would go toward helping pay off my debts. I found out later that was not the case at all. I managed to have two small debts settled through them, but they were unable to do anything that I couldn't do better with on my own with other larger debts. Now that they have been completely paid, I no longer get any emails about settlement offers and their website does not seem to function fully. I feel that I paid a lot of money, near $10-$12K, for absolutely nothing.

I wish this website sharing the complaints on Credit Solutions was available to me the spring of 2008. Visiting it today has reassured me that I am not alone in my distaste and distrust of Credit Solutions which failed to meet the obligations within our contract. Not only is their website down, today I was told that the system is also down and they would have to call me back which is a consistently broken promise.

Lengthy waiting times on hold, 25 min. and more. Failed delivery of what was promised to regularly work with my creditors. Often my previous conversations and faxes have not been documented or filed, leaving me to recite the history of my several attempts to communicate. Once I do get connected, I wait more time while that person is searching for the last person I spoke with instead of picking up where the other left off. Later, I am told that they no longer work there. The person I spoke with last Thursday promised to call back and I have still not heard from him. I have placed 3 calls since then and they keep on leaving message reminders to Andrew to call me back. This goes all the time and often throws the account into a deeper and more expensive ravine. On 3 accounts, I ended up reversing the power of attorney in order to settle directly with the creditor and got a better deal for it. My creditors have produced a log of contacts to this company about my accounts both by phone and mail yet they receive no more response than I.

I do not believe Credit Solutions has any type of log or plan for that matter to fulfill our contract. This company doesn't settle anything. It only causes a stressful relationship between me and the creditor to deteriorate. The only good thing I can say about this company is that they bought me time and helped me to realize that I could have done this directly with my creditors for far less money. I have ended up doing all the work and made it worse on myself by investing too much time following up with them to do their own job. The fee that I was charged is based on the percentage of the total debt. The end result is that the few dollars they mildly negotiated is far less than what was contracted and paid for.

They have taken the web site down. I have paid them over 2 years with little or no results. The recent withdrawal from my account was for Augur, Inc. I have no clue who that is and I was not notified of any changes. I should only have one payment left but have no way to verify or stop them. I'm very dissatisfied with the service for the huge cost. If a class action law suit is filed, I want to be included. This is absolutely a rip off. I did more on my own then they ever thought of and I am no farther ahead then when I started.

Pretty much everything that has been described by everyone in this forum was done to me - the promises, late email, awful customer service, and so on. We, as a family, were looking for any help at the time. This company made everything worse. Exactly what's wrong with this country is that the rich try to get richer from the poor. Times were tough. We were desperate. We thought it was a way out. It caused numerous nights staying awake trying to figure things out.

Much like the other complaints here, CSA did nothing for us. In fact, they cost us more than if we just paid them what we owed. Of the 6 creditors we submitted, the three were settled myself faster and at a better rate than what they were trying to get. The other three all ended with judgments against us. The first was Capital One. Capital One informed me at the hearing that they submitted a settlement to CSA at about $1000 less than what the total owed was. I was never informed. Now because we could pay, they've sued, got a judgment and placed a lien on my home. The 2nd was my wife's Capital One and the same thing happened there. The third was an account that a settlement was reached, payment arrangements were made, but the payments apparently either never reached the creditor or CSA forgot to withdraw them. In either case, the creditor resumed collections.

When I informed CSA, I received no response. I finally did get a hold of someone when I sent them a copy of the claim to suit. CSA's response was, "oh, we ignored it because we assumed it was an error and that the payments crossed with their letters". Hello! This was a year later! I filed several complaints with CSA, including asking for a full refund because they guaranteed to settle my debts and they did nothing of the sort. I'm wondering if anyone has considered a class action suit against CSA? I would love to sue them for what they charged me, plus any extra for the 3 creditors that they botched the settlements.

Credit Solutions has done nothing to help us get out of debt. They just took our money (lots of it) and we didn't get anything in return!

I also gave this company a lot of money and got nothing resolved.

I paid this company roughly $2200.00 to help settle my debt. The claims they made about what they could and would do have not been met. I just tried to access the website and it has been blocked out. No one will answer any of the phone numbers I have found listed for them. I fear they have ceased the business and I have been cheated. I feel strongly about getting my money back from these crooks. I feel bad for everyone else who has also fallen into this trap.

Do not waste your time and money with Credit Solutions. They assured me that I would be debt-free in less than 3 years. It has been one year and I have paid them over $1000, and they have done absolutely nothing. Now, I have to go to court to settle an issue that I could have handled myself and saved that money! Don't fall for this company's false hopes!

I had signed up with Credit Solutions in April 2007 with the promise that they would reduce my credit card debt. After paying them nearly $10,000.00, I only settled with three of my credit cards. And I ended up being sued by American Express for $17000.00. They promised everything to get you hooked but would not settle to what they promised. I ended up going bankrupt.

Credit Solutions has been calling my phone number constantly looking for someone who I am not, who I do not know, who I am not related to, and who I do not even share a similar name. The automated message system does not work. The recording gives you number choices if you are, or are not that person, but it repeats the message over and over again no matter what you type. I have talked to several people several times at the company to fix the problem but it continues. I just talked to someone again tonight and he assured me that it would be resolved. This is not the first time I have heard this.

I was advised that I should still try to pursue this since I trusted this company in July of 2007. Shortly thereafter, April/May of 2008, I had to file bankruptcy as they did not handle my debts as they told me they would. Here is my information on the series of the events from then.

I am writing to inform your company that your ridiculously late email informing me that Capital One has accepted a settlement for my account has come too late. I must explain why, and then also inform you that I insist that you no longer assist me with my credit. Here is why. Back on March 10th 2008 or a day or two within that date, I spoke to a representative for Capital One (M. ** at 888**). He told me that they had received no money from Credit Solutions, only a cease and desist letter. He told me that they refuse to allow Credit Solutions as a mediator for my debt; and as the person extended the credit under contract, I was inevitably responsible.

He told me that they have had many issues with people who have hired Credit Solutions to assist them with the debts and suggested that I contact the Better Business Bureau and the Attorney General since it was not was what I expected. He told me that if I did not get back to him within 24 hours, they would send my account to court and be sued for the money. When I called your company that same day after speaking to Matt, I tried to contact Amanda, my initial contact with your company, and found out she was no longer available. I spoke to a Carlos, I believe. When I called I was in total shock when I found out that 7 months after enrolling in your program, none of the creditors had been sent anything yet! Carlos then told me that and he apologized profusely, but I misunderstood the way the program works. The $700 some-odd dollars that Credit Solutions had taken from my account already had, in fact, only gone toward my fee, which was taken up front!

This was not my understanding of the program. How would that help me?! There it was, seven (7) months into thinking the creditors were already dealing with your company, I did not have contact with them as I was told. Then when I finally did talk to one of them, they informed me they would not accept the settlement through your company and I was being sued.

In all of these events, here is my situation. As stated, the creditors are so behind that now I am being threatened with legal action and being sued. I have since gone and sought legal counsel, and have no other choice than to now file bankruptcy now. Also, I cannot and will not accept your company's assistance any further it has done nothing for me. It was totally misrepresented to me when I spoke to Amanda at the very beginning. I was told it was a three-year process to pay off the debt; I was not told the creditors wouldn't be given anything until the fee was paid up front. I would not have bothered doing that! There are other legitimate companies out there that will assist and start paying immediately.

Therefore, as your program has done absolutely nothing to help me credit wise and has actually thrown me into bankruptcy as my only option, I insist on a refund of the full amount of money that was taken from my account in the last 8-9 months (totaling some $800-plus). If do not get a refund of my money within 30 days, I will file a complaint with the Attorney General and the Better Business Bureau as suggested. I will also look for a lawyer who will be willing to represent me to get my money back from you. I am a single mother who is struggling to make ends meet. I thought your company was going to help my situation, instead it made it worse by dragging out more fees accumulated with the creditors, to the point I could never pay them back.

I am also immediately rescinding my power of attorney from Credit Solutions. I also insist that you cease and desist taking funds out of my checking account electronically. I strongly urge Credit Solutions to refund my money in full if they wish to not have further action taken. You may contact me if you wish to discuss the refund. Leave a message on my cell phone and tell me in detail who is calling and why. If I do not hear an answer on this by May 22nd, I will proceed with my complaints and seek legal action.

All I got was them calling me and telling me that I didn't read the fine print, that they would take their 15% up front before they would even deal with the agencies. And at the rate of the $115 per month they were taking out of my account that would have taken about 10 months. I never got any money back. I then had to file bankruptcy as a result. As a single mom with loss of work for medical reasons, I found out too late that I had two or three of the debtors had taken me to court unbeknownst to me while I was not in contact with them (as I was told to do by Credit Solutions). When I did consult a local lawyer, he told me at that point the only option I had was bankruptcy.

So now two years after my bankruptcy, I am finding that there are many complaints about this company. If there is any type of lawsuit or action against them, I'd like to receive my $800-plus back! And at best, I'd love to get restitution for the bankruptcy and damages incurred as well, as this gives me a black eye for 10 years.

We enrolled with Credit Solutions in October of 2009. Brent, the sales rep, promised that they would help us to settle our credit card debt. He told me they would stop garnishments, legal actions and handle negotiation with our creditors. My husband's company had downsized and he took a substantial pay cut just to keep from having to take a layoff. At this point, we had to choose between credit card payments or keeping the utilities turned on. Our monthly fees weren't overly large, $62.62 a month. That would have made the minimum payment on 3 of our 5 credit cards. Even though they wouldn't take on my medical bills because we didn't owe enough to one single medical office to qualify, we agreed to join at the recommendation of a friend rather than file bankruptcy.

Our first settlement came soon, only 5 months after joining. It was a decent offer, not great but decent. We still had some of our income tax refund left just for this, so we settled a $900 and some debt for $375. I received a letter from a law office saying one of my accounts had been turned over to them for legal action. I called and talked to a professional lady, who reassured me that everything would be alright. She quoted me the contents of the letter nearly verbatim and told me not to worry, they were just trying to scare me. CS reps were calling me to check in regularly and I thought everything was fine until my 14-year old son called me at work. He was scared to death because a police officer had come to my house and made him sign court papers that were for me. I called CS for 2 days before I actually got to talk to someone. I got the "we'll call the law office and I'll call you back before the end of the week" speech.

Two weeks later, I was surprised to find that the extension that the rep had given me was not recognized by the CS automated phone system. They finally called me back and informed me they had a settlement with the law office payment in full of more than what I originally owed plus court cost and fees. It had to be paid within 60 days in two rather large payments. I didn't like it, but we put our necessities on hold to make the payments. Two weeks after the second payment was drafted from my bank account, I was served with court papers yet again from the same law office. I called, very upset, thinking that they were trying to milk me twice but I quickly discovered that this was a different account. I informed them that CS would be handling this account as well. I called CS to inform them of the second court notification, got the "I'll call you back before the end of the week" speech and was promptly rushed off the phone.

I waited 2 days and called back, only to get so frustrated by waiting on hold for over an hour that I hung up. This process was repeated numerous times. Twice, CS called me during my work hours (I have told them more than once that I can't answer my cell phone during business hours) but when I would call back, then the extension would be invalid. A settlement came in on my big account and it was a tremendous $495.00 offer on a bill I originally owed over $2400. Nervously, I clicked the accept button because I couldn't get through on the phone to talk to a real person at CS. I waited for a confirmation, a phone call, some indication that they acknowledged my acceptance of the offer. There was none, rather I got a letter from my bank showing that my bank account was overdrawn. While I am sweating bullets trying to figure out where to come up with more money to cover all the overdraft fees, I get garnishment papers in the mail from the law office. CS had never contacted them to settle the second account I had been served court papers against.

Back in May 2009, I signed up with Credit Solutions. The person that set up my account name was Allison **. I told them my situation to why I came to them for help. In June 2008, I was laid off from my job. I did not get a job until May 2009. When I tried to activate a lot of my gap insurance for my credit cards and loan, I was told out of nowhere that I did not qualify for the insurance that I paid or was paying and that they wanted money. They said that I had to live off my cards while trying to find employment. I told them that I had 10 or 13 creditors and I need help settling debt and paying people off. Allison told me that I came to the right place. I was to make $350 a month payments that would be taken out of my checking account automatically. They would do the rest. Well, that was May 2009.

I was sent links to fill out LPA that I had to send out certified to all of my creditors. That was about $50 of postage. I heard nothing from them. August rolled around and true to form; they would take their $350. I was wondering why I had not heard any updates or why nothing was coming my way to settle. I called them and was told, well, the money that they were taking from my account was only account step up fees. That money was not going to pay my debts. They said that they will only be drafting from this point forward $156.00 from the $350 a month for account fees and administration services. The rest of the money will stay in my account until I notify them that I have about 10% saved of the highest amount owed and only then will they start negotiation services. This went on until Nov./Dec. 2009.

I got an offer to settle over 6 monthly payments. Then, I got another notice that Credit Solutions (CS) had negotiated another account for 3 payments of $600. I called them and asked why I was getting that offer when I was told my monthly payments were not going to be over $350. They said that I had to decline this offer and they would work to get something that I could afford. Then, I was asked if I could give $400 more a month, $800 a month in total to pay off the debt. Please understand each time I faxed, emailed, or called in about my account, I got a different person. They told me each time that I would need more money to settle and I would have to decline offers and recounter an offer. They just served as a messaging system at $157.00 a month.

I hired Credit Solutions to help with significant debt caused by a divorce. Just as other customers stated, they told me not to contact my creditors, to refer my creditors to them, etc. So, after paying them $5,812.74, I ended up having to settle two of my creditors myself. Two other credit cards I ended up paying more than the balance, and only one did they settle for me. After being promised to be out of debt in three to five years, I now have to pay back a $30,000 line of credit to Bank of America directly. Even though this account was charged off to a third party, Credit Solutions never negotiated anything with them. So, after all this money spent, I am now spending an additional $552 a month to pay this off.

They promised to help me settle with Discover and CitiCard. I was to pay only 40% of what I owed them. They were paid almost $3,000. Discover filed suit against me. When I called to ask for their help, one of their representatives tried to blame me. They really did make my credit worse. I feel really ripped off by this company. I really hope other consumers are smarter than I was and check their background. I really wish I could do something to get my money back. I could use this money to pay off some of my debts.

I used Credit Solutions Company for settlement of my credit cards. I paid 15% of total from my credit cards. Then, I had problem with my credit card from Citibank. It's because at the moment when they did the settlement, it's not really a settlement. It was a payment plan and they never told me that. And I paid to Alliance One (Citibank attorney-office) the amount $ 6.372.20. Aside from that, I requested for a letter of settlement from them. Credit Solutions never sent it to me. Now I had a balance of $9,100.00 with Citibank. I called Credit Solutions several times. They never answered. I don't know what I am going to do. I just had problem with this credit card.

"Credit Solutions Wins Important Fight Against Florida Attorney General's Office Dallas, TX -- Aug. 26, 2010 -- Credit Solutions, a market-leading debt settlement company headquartered in Dallas, Texas, won an important victory on behalf of its existing debt-burdened Florida clients in the Hillsborough County Circuit Court. The victory came during a temporary injunction hearing held on August 16 in a case brought by the Florida Attorney General's Office.

If the current Attorney General had prevailed on his claims at the hearing, thousands of debt-strapped Florida customers who rely on Credit Solutions to help them settle their credit card debts could have been left without a critical ally in this crippled economy. Despite the claims made by the Attorney General's Office, Credit Solutions clearly established that it should continue to serve its current clients while transitioning its growing business to fit within federal debt relief regulations recently released by the Federal Trade Commission, an exciting process already under way and readily embraced by the Credit Solutions Team.

In 2009, the Florida Attorney General filed a civil lawsuit against Credit Solutions, claiming violations of several state and federal laws. Based on the accusations, the Attorney General's Office demanded that the court prohibit Credit Solutions from enrolling new customers in the State, from charging fees to its current Florida customers and from advertising via its website. The Attorney General also demanded that the court take several other actions against Credit Solutions. Last week, the court rejected a majority of the Attorney General's requests.

At the most recent hearing on August 16, after considering testimony and weighing evidence of the work Credit Solutions has historically provided to Florida consumers, the Hillsborough Circuit Court denied a majority of the Attorney General's demands. Instead, the court entered an order requiring Credit Solutions to refrain from collecting an advance fee from any brand new customers in Florida. This is a step Credit Solutions is already in the process of making to comply with the new Federal Trade Commission debt relief rules. The court concluded that its ruling would not apply retroactively and that Credit Solutions could continue to serve its existing Florida customers. In the course of issuing the order, the Court explained as follows: '[P]art of my reasoning is they do provide a service to the consumer. There has been debt reduction and settlements with many, but from this day forward, no advanced fees.'

About Credit Solutions Market leader Credit Solutions is recognized by the American Business Awards for the "Best Customer Services Department in Financial Services. " A charter policy partner of the United States Organization for Bankruptcy Alternatives (USOBA), Credit Solutions is certified by BSI Management Systems for USOBA best-practice compliance. "

I trusted these people. I have saved one e-mail that tells me to ignore my creditors so I did not need to get in touch with them. Unfortunately, Target sent me to a debt collector, Howard Lee **, who worked out a.payment plan for Target. Unfortunately, they have a liein on my house.

I would have tried to work something out with Target before it went to ruin my credit. I tried to open a closed account and my credit is ruined. I never had this happen before in my life.

I agreed to use their service. They began to withdraw $130 from my bank account. After 5 months, I settled with my credit card company and they refuse to refund my $650. This money was intended to be used in a savings account until I accumulated enough to pay of my cred it card settlement.Do not use Credit Solutions! They keep $650 of my money and will not refund even though they did absolutely nothing!

I have been harassed, and no matter what I am paying them, they still call for payment, they have threatened me with legal action. And no matter if I am in collections, they still are sending me magazines. No matter what I say, they say that they cannot stop the magazines. This magazine thing has caused me to wonder about the people out there. I did not sign anything, and when I try to cancel, they say that I can't. This has caused my family to be afraid to answer the phone.I have been harassed, and no matter what I am paying them, they still call for payment, they have threatened me with legal action.

And no matter if I am in collections, they still are sending me magazines. No matter what I say, they say that they cannot stop the magazines. This magazine thing has caused me to wonder about the people out there. I did not sign anything, and when I try to cancel, they say that I can't. This has caused my family to be afraid to answer the phone.

Credit Solutions did not help settle any of the five accounts I registered with them. When creditors started calling me, I took more loans to pay and I settled the accounts myself. Credit Solutions were harassing me to pay them the retainer fees, but they did nothing. All my debts went higher and my wages have been garnished.

These people haven't done anything for me in the past two years. I paid and continue to pay for services that they have not provided for me as what they promised when I signed up in 9/08. They are not even calling me with offer or news. I haven't called them and neither have they. They are the worst company ever that I even settled accounts on my own. I am stressed out to the limit for any normal human being. I continue to have to pay every month for services I didn't get. I still get all of the calls and nasty letters from my collectors. I can't take the pressure anymore and the worst of all is that my credit is ruined.

I signed up for Credit Solutions around February 2008 thinking I was going to have someone negotiate settlements with my creditors as promised by Credit Solutions. When I first learned of Credit Solutions I thought this was a good route to go since I had no collateral for a debt consolidation loan. Credit Solutions instructed me to stop paying my credit card bills and that they would be negotiating settlements for me. This was a huge mistake because this made my credit score drop and cause more problems. Credit Solutions also charges a monthly fee for being in their program.

As the days and weeks went on and Credit Solutions still charging me for doing nothing I made phone calls questioning them on why they haven't attempted to negotiate settlements. Credit Solutions response was, "Oh we didn't know you had the money to make a settlement." They also told me they would get right on it and call back the same day. This went on for over 3 months before I attempted to cancel their services. Canceling with Credit Solutions took me over around 2 hours with being transferred to numerous counselors, operators, supervisors, etc.

DO NOT WASTE YOUR TIME WITH DEBT COUNSELING SERVICES. You can negotiate settlements your self or another suggestion. Pay the minimum on your credit cards with a higher balance and put more towards the card with a lower balance until paid off the move on to the next one. This will help you see the light at the end of the tunnel to this seemingly endless debt train. I paid around $300 or more to Credit Solutions who did absolutely nothing but make my credit score worse, increase interest rates, incrue late fees, and cause debt to go into collections which started the endless number of phone calls and collectors threatening to take legal action. Do Not Use Credit Solutions.

On March 5, 2010, I contacted the NCS (National Credit Solutions, LLC), to inquire who they were and why were they on my credit report. I was told that they were a credit collection agency, which brought BMG debt accounts and they would need information from me in order to pull up my account to explain. I was ask to give my full name, phone number, address and date of birth to make sure they have the right person. I refused to give my DOB and was then asked several more questions confirming my previous addresses and phone numbers, and how long I lived at the addresses. Representative (Ms. Marcey) told me that I owe them $306.63 from purchases I ordered from BMG, an order date and list of music, very rapidly. I requested a copy of what she just read off to me be mailed to me and was refused. She stated I made a payment in March 2004 and I know that I did not.

I requested to speak with an available manager or supervisor and was transferred to the Disputes Dept. I spoke with Ms. Sue and again I was told that I must contact BMG myself and speak with them. I explained that I didn't understand why that is if they brought BMG's debts. Furthermore, I have not lived in for almost 20 years and I have never purchased or received any of the billed items, which I am being accused of. On March 6, 2010, I found a number for BMG online. I made two attempts to resolve this with BMG, however, the account number on the statement didn't come up when I entered it through the automated system and the representative had no luck finding that account either.

On March 19th 2010, I mailed and faxed a letter disputing the charges on a bill they sent me dated March 08, 2010. Again, I requested copies of any documentation that supports these accusations and request an investigation be done. On April 23, 2010, instead of NCS providing me with any proof, I have received another billing statement dated April 14th. I have not made a purchase from BMG, in over 20 years, and my obligation was met and my bill was paid in full back then. This is the first year that NCS is appearing on my credit reports and it wasn't until after I contacted NCS on March 19, 2010 that I began to receive a bill from BMG.

The charges from NCS and BMG is inaccurate and fraudulent and I have tried to cooperate with them, however, I can not help them. Since then, I have contacted each of the Credit Bureau's reporting companies and placed a dispute against NCS information on my credit report. TransUnion has completed their investigation and have deleted them from my credit report. The others have not yet responded. I have worked very hard to maintain good credit not to be ruined by such dirty practices like NCS. I am getting frustrated, exhausted of trying with them. I wish to report them for harassment and unfair practices. I would also like to know if this business is legitimate and have they ever had other complaints against them? Enclosed is a copy of my final request to NCS, in attempt to resolve this. I have excellent credit and this will leave a bad mark against my credit.

I had signed with this agency in September 2008. I have gotten nowhere with them. They represented themselves falsely. They are refusing to give me a refund. I paid them $1236.00. I want my money back because I found a bankruptcy and credit advisor lawyer who can help me with what I need help in. I just want to report this company because they are misrepresenting who they are and taking advantage of the public who goes to them for help.

Miss W with Credit Solutions Corporation called for my mother, Georgia, who has trouble hearing people over the phone. When I said that my mother did not have a credit problem Miss W said why did I think the call was about a credit problem. I told her it was because their name was Credit Solutions. She spoke about how she could not talk about the reason for the call that it was personal.

I told her if it was not a credit problem then my mother does not need a loan for money and that she was 80+ years old. She said my mother could call and I cut Miss W off saying my mother would not be calling because she does not have any business to do with them. That is when Miss W terminated the call. I never got a phone number. All this took place while my mother was sitting on a nearby chair in the same room.

We were sold at an excellent level. When you are down, they make it all right. They will make you feel like there is light at the end of the tunnel, but after they get you to sign up and give them money each month, they are nonexistent. They are not truthful in any of their doings. You will be worse off after their services than before. Some of their employees will tell you one thing and then transfer you to someone else to only find out that it is not true. We were told we would get a refund and then that we would not. We were soaked out of $1,600.00 dollars before we put a halt to this scam.

I received a report from a credit monitoring service that a delinquent account notice had been posted on my Experian credit report. NCS is the collection agent for BMG Music. I have not had an account with BMG since I was in my old house, and that was 27 years ago. Supposedly, I had purchased something in 2004, which I did not. It was posted in my Experian credit report in March 2010 that I owe this NCS $210.00. I have never received any bills from anyone concerning this matter, not BMG Music, and certainly not NCS. Since this just arose, I don't know if there has been any damage.

Credit Solutions advertised and told me that they could have me completely debt free from my credit cards within four years. They said that they work with the credit card companies to negotiate settlements (reduced amounts of the amount due usually at fraction of the cost). What they didn't say is that they told me not to pay any of my credit card bills for several months, waiting until the accounts go to collection agencies or attorneys.

At that point, Credit Solution talks to the lawyers/collection agencies and settle on an amount usually to be paid off in 1 - 3 payments (usually in the amount of several hundred or thousands of dollars). They "negotiated" with and came to me with three credit card settlements all due at the same time! The reason I came to them was because I couldn't afford to be making such outrageous payments! And if that wasn't bad enough, the largest of all the accounts (nearly $10K) was sent to a collection agency and then a lawyer. Credit Solutions did nothing to contact them until they threatened me with legal action and sent me a warrant in debt.

At that point, Credit Solutions said that I could pay half now and break the rest of the amount into smaller payments or I could break it into thirds. Again, I tried to explain that I don't have that kind of money! I only bring in $2500 a month! When I couldn't come up with the money, Credit Solutions did nothing as I went to court by myself! They gave me bogus information saying (1) I didn't need a lawyer for this court appearance; (2) the court would be more like a clerk's office and not an actual courtroom with a judge and everything; (3) if I brought a financial statement outlining my financial hardship, the judge would take that into consideration when making her judgement.

When I signed up with Credit Solution, that credit card bill was only around $8,000 but after the months of Credit Solution not doing anything, the interest and late payments accumulated until the final amount due came to over $10,500! Credit Solutions has done nothing but increase my stress levels, severely decreased the quality of my health and well being and completely eliminated any and all belief in the existence of decent and honest people.

About after filing the above complaint with the Better Business Bureau, I received several calls from Gabrielle ***, Executive Advisor for Credit Solutions who was very eager to "settle" this situation. In my complaint, I said that I was looking for $10K in compensation. She offered me $643.28. The check for that amount would be credited to my checking account when I signed and faxed back a paper saying that I release them from liability. I haven't signed the document, as it states, "I have had the opportunity to consult with my own attorney or have consulted with my own attorney and have not been pressured to sign this general release."

I have, thus far, had nothing but good experiences with this company. I was shocked to read so much criticism for the services that CS provides. I am somewhat new to their program, but I will say this; they always take my calls, immediately. I always get my questions answered, or requests fulfilled. They have been really good to me so far. I will report if that changes, but I cannot say one bad thing about them to date. I just thought that I would add my two cents. Thanks.

My husband and I signed a power of attorney over to this company on 11-07-2004 and was told that after that, we could not speak directly to any of our creditors or it would breach our contract. Therefore, we sent all the bills, etc. to them that our contract stated for us to do. In the meantime, they were taking their money out of our checking account that we were told would be used to pay all the combined bills. Only one got solved and I had to deal with them directly to take care of it.

In 2006, we went to purchase a business and on our credit report, we found out that all these charge cards had been what they call "chgd off". We did not even know what that meant. So I started contacting everyone I could and mailed to them the proof that I thought they had been taken care of by this company and most of them worked with me to resolve the issue and let me pay it out at less then 50% of the balance owed. However, Chase sold my account to several companies so many times I could not even keep up with it to try and resolve it. Nevertheless, I got served papers and could not appear due to my daughter in the hospital.

The attorney that had the case in St. Louis, MO got a judgement against me for a lot more than what the bill started out at. Let alone for 9% interest and the state statue on a judgement legal limit cannot exceed 6%. Before this, I had perfect credit. Now, I am fighting to get it perfect again and trying hard to pay these off as I can as I should have done in the beginning instead of hiring this company that took my money and left me with bad credit. Let alone, they promise to pay you money for each person you refer to them and they take their case. I had a friend who also used them and I faxed in the correct forms and could not even collect my referral money from them.

I lost my job in March 2009 and joined Credit Solutions in June 2009 after trouble paying all my credit card bills. To only have to pay/ save $400 a month instead over $1,000 I was currently paying on credit card debt sounded like the right decision to make (the only decision in my mind at the time). The first six months of the program was the hardest. I was receiving creditor calls, letters, etc. (someone even showed up at my door) and didn't have enough money saved to make any settlement offers. Plus, I wasn't sure what Credit Solutions was supposed to be doing on my behalf since I stopped paying my monthly credit card bills. I couldn't understand why people kept calling. This was so disheartening.

Then, after 6 months, an offer came in from a credit card I owed over $5K on. It was a great offer and I was able to settle my first account for less than half of what I actually owed. I finally had faith in this program I had been buying into for 6 months. A few months later, I paid off two more accounts (thanks to Christmas money from family). Recently I was receiving calls from one of my creditors, but it was just sold off to a third party, and Credit Solutions knew about it before I did and updated it for me on my online account.

Since this account was sent to a collection agency, I have stopped receiving the annoying phone calls. So, I know that Credit Solutions has been in contact with them and they know I am on this program. I will continue to save and hopefully I will be done in another year (which seems like forever in my mind). If all goes as planned and I continue to save, I will have paid off all my credit card debt in 2 years. I was on a 4 year plan originally with Credit Solution, which at the time was better than the 35 years it was going to take if I continued to pay minimum payments.

The only reason I write this, is because I was one of the confused Credit Solution customers reading all these horrible reviews and wondering if I had made a huge mistake. Well, I am halfway through my debt, so I personally think it has been worth it. Having someone on my side to help me when I had questions while making the negotiations on my behalf has been worth their service fee. Plus I have already saved twice as much as their total service fee and I still have more to save when I settle the remaining accounts. It is not easy, and yes your credit score will be destroyed (I am afraid to look at mine), but in my situation, it seemed like the only way to get out of debt. Paying the rent and buying food for the kids seemed more important than my credit score at the time.

I had to recently move and make a change in jobs due to the fact that my father had been diagnosed with Alzheimer's. I had taken the Credit Solutions route to improve my debt. What a joke. Credit Solutions is a farce. They proceed to tell you how they are going to help and take care of things. They do not! They actually can put you in deeper debt. You are paying a monthly service charge for them to do nothing.

I had saved the money as they had told me to do. I called the settlement dept and did as they advise you to. He later contacted me and asked for me to contact Capital One and get the contact information for the accounts I had placed with them because he could not locate those accounts. I contacted Capital One and they were very helpful. They informed me that the accounts were not 120 days past due so they would not make a settlement. Capital One worked with me on these two accounts. So what did I pay a "service" fee to Credit Solutions for?

I had contacted Credit Solutions to take those two accounts off and still they had not done so. I faxed the paper work back as they had directed me to do. Credit Solutions is not the solution to debt relief. As far as I am concerned, this company should be sued and shut down. How can a business take money from people that are trying to better themselves and get back on track? To me, they are taking advantage of everyone. I could not sleep at night if I was employed by Credit Solutions!

I think everyone needs to get together on businesses like this and get them shut down. There has to be something that can be done to keep this from happening to others in the future. I am awaiting a settlement from them for service fees that were paid, I will see what happens. Credit Solutions has taken over $900 out of my checking account and did nothing at all for me.

I Paid FOR THEIR SERVICES AND they COLLECTED a MONTHLY FEE, but did nothing on my account. they lied about what they would do. "false representation."

I recieved a notice on my credit report about music cd's that was purchased on 7-16-2004. After calling National Credit Solutions the collection agent would not tell me how the purchase was made and was unable to tell me the phone number for the BMG Music Company. I need this information to give to the police in order to file an identity theft report. I think I have a suspect. Can you help me with this dispute? Credit report affected.

When I was in college I first started to use credit cards. A C.C. with a 25,000 dollar credit limit was easier to find in college than a keg party. When I lived in Denver I was way over my head, and way immature to understand debts and to use credit wisely. I could no longer pay my bills no more. Credit solutions states they can easily help you. All you have to do is stop paying your bills. Let your debts be written off. Then when they go to collection agencies you can settle it for pennies on the dollar! It sounded so good to be true. All you had to do was pay credit solutions instead while they allowed your credit history to get completely jacked. What did they do? Nothing. They call your creditors and tell them nothing. All they do is take your money. After the creditors were trying to sue me, I had to finally do what Credit Solutions was paid to do. Start calling and talking to them to set up payment plans. I finally just paid off all my CC debt. However I am still upset that this company talked me into such a stupid, idiotic way to work through my debt. These people need to be stopped! they don't help. They just ruin your credit, take your money, and do nothing for the person in debt at all. They profit off people who have no idea what they are doing. Why would people like me or others be in such large amounts of debt anyways? They prey on the weak. STOP THESE PEOPLE!

They said that I would be debt free in 4 years. That was very untrue. I could have lost my property but luckily I filed bankruptcy before I lost everything. Now, I will be debt free in a year and a half.

Called Credit Solutions 2 years ago after doing what I thought was indepth research of different companies. When I called I spoke with Ashley, you're all familiar with her. She was nice, thoughtful, indepth, and very helpful with explaining everything to me. I though this was going to be great. I'd be completely out of debt in 3 years or less and my credit score would be better.

How wrong was I!!!

It only to 2 months before my credit cards went to collections. I followed the rules. Paid the 3 months to CS of 250 then 17 months of 149. All on the expectation that they were working to negotiate with my creditors.

I ended up calling each creditor and negotiating on my own with no avail. After 2 years, my husband and I ended up filing Ch 13. That was the best thing.

We qualified under the Texas Means Test to only pay back our secured debt ( our minivan ) and nothing else.

What a crock Credit Solutions has been.

Don't believe the hype and if you do the research on your own, the web is deceiving as to the info you get on CS.

I can not get them to stop calling and emailing

4 to get them out of your life CANSEL THEM AND TAPE THE PHONE CALL LET THEM YOU ARE THEN ASK FOR ALL YOUR TAPE CALLS TO THEM THAY HAVE TO GIVE YOU A COPY NOW YOU HAVE THEM

I have credit monitoring and received an email stating there was activity on my credit report. I reviewed the report and realized that a collection account was place on my credit report. The collection was from NCS (National Credit Solutions) in the amount of $163.87. This collection account dropped my credit score from 760 to 660!

I called NCS and they informed me it was for a BMG account in 2/2004 in the original amount of $22.87. I disputed the account with them and the credit bureaus to no avail. NCS informed me that it was from a previous address listed under my name. We were a military family and moved every couple of years and we did not live in that house at that time.

I asked NCS to send me a copy of the "contract" and they said they didn't have to provide it. They only sent me a "statement" with the creditors name, address, and original contract date and amount. I am a financial professional that has to go through extreme background and credit checks and this is definately effecting my career.

I REFUSE to pay this since it was not mine to begin with and I can't get any verification to prove otherwise. This collection has tarnished my excellent credit and has effected my career as a financial professional. I have to go through extreme background, security and credit checks for my job.

Their main problem is that they don't follow through with the plan. The tell you that they'll have customer service follow up with you on the regular, but this simply does not happen. You'll find yourself constantly calling them for updates...so why pay them? They had 250 people in the enrollment (sales) department there when I left, and they had less than 100 people in the on the back end (customer service, settlement department, etc.)

In 2007-2008, I paid a service fee in the amount of $1,013.40. Three creditors are in the program. Target National Bank sent me a notice of judgement or disposition on 02.03.09. I am being required to pay $35.00 per week. Credit solutions said that they could not do anything because a judgement had already been applied. I never went to court nor received a notice until after this judgement was made.

I called the attorney who represents Target and was told that they could only release information to credit solutions because they have power of attorney. Credit solutions told me that they were told by the attorney that I would have to call to get the details. I still have two outstanding debts with them. Since 2007, they have contacted me twice.

This is the second debt program I have signed with. The first program was sued and went out of business. I have been carrying this debt since 2004 and have successfully paid off a good portion of it. I am unable to pay the judgement of $35.00 per week on a regular basis.

I am a single parent and my paycheck does not cover all of my expenses at this time. I was in two car accidents within six months and the cost of trying to keep a car running is what is impeding my progress.

i received a telephone call from an attorney stating that this company is under investigation for unethical practices. i have e-mailed tis company regarding full restitution of all monies debited from my account. i will write about this in more detail upon receipt of information. my credit is being screwed up. i never had late payments before and i hope i can come to some solutions with these credit card companies asap.

My wife and I have been enrolled with credit solutions for about 1.5 years. We pay them $242.00 every month. In the 1.5 years they have only settled 2 accounts out of 8 accounts we had enrolled in the program. Now we have 2 accounts that have gone to litigation and my wife and I are dealing with lawyers. We have asked credit solutions for assistance but they haven'e done anything. I have been promised return phone calls but they never return call. Even as recently as of today, 11-2-09, I contacted a woman at credit solutions who said she would call me back. I even followed up with a call to her but still no response. I have spoken to some of my creditors and they hsave told me that they have never received a call from anyone at credit solutions. So what do I pay these people for. They tell you when you sign up that they take care of EVEYTHING but in reality they don't do anything. They do not aggressively work on your behalf with your creditors.

I was employed by Credit Solutions until just recently, and all I can say is "Buyer Beware". The Debt Consultants are just sales people who were rigorously trained on CS' sales pitch. Most of them have no economic or financial training or experience necessary to intelligentally make recommendations to anyone. What some of them will tell you is they are in the "program" and it's helping me. This should be a "Red Flag".

Also, a large part of the Consultants pay is commission and based on sales or how many people they can enroll. It is not uncommon for someone to listen to the sales pitch and then want to end the call and think about it or just not interested at all. If the Consultant lets them off the phone they are grilled by their sales manager as to way they didn't make the sale.

There is a tactic used called "Beasting" whereby the Consultants badger a person to the point they either enroll or hangup. Any Consultant who beast a person into enrolling is consider somewhat of a hero. There are actually Consultants with reputations as "Beasts". They are not there to help you! If you do enroll just to get off the phone and call back the next day to cancel you receive another round of "Beasting" from a department setup to prevent cancellations. Again, no true concern for the consumer.

And, if you take a phone call from a current client to try to help them, the Consultant will be grilled by the sales manager as to why you wasted time when you should have been selling (I saw this happen several times). Again, only concerned about the sale. And be prepared for a lot of this because over 50% of the customer service department was laid off because sales were down. Sales are down because of the law suites and Attorney Generals from different states are investigating Credit Solutions - check it out. And the certified Settlement Team - ha! Sales people who were promoted into that position.

There is much more I could say, but I hope you get the picture. Why am I doing this? It's the right thing to do. Hopefully, I can now truly help someone.

I was frauded into thinking that this company was going to settle my debts in 2 yrs. I have been told my debts would be cut in half. they did not mention that would be half of all the late charges and high interest rate that accrues while they are waiting for my account to go into the 3rd party. I have been bullied to pay off a large account withing 5 months in the program. they said i would be sued and the law firm can put a judgement on my house. There strong arm tactics are not what I signed up for.

I had to borrow from my retirement to pay off a few accounts. I have been in the program 8 months. Every representative that I talk to has a different promise for me. I was told going in how each of my accounts will be settled. They told me false information. when I called them on it after calling there supervisor he promised to call me back and never did. I want to put a stop payment on there future payments from my checking account. I need to know if there is a legal way to do that.

We ended up paying over $500/month for several months with NO resolutions. We ended up paying them about $3000 plus ended up with thousands in late fees. They did nothing but tell us not to pay our bills--that they would take care of it.

I signed up w/ Credit Solutions in Febuary 2009. They were hired to negotiate with my credit card companies to work on settlements and affordable payments to be worked out in 24 - 48 months. Instead, Credit Solutions did nothing but wait until the credit card accounts went into litagation and THEN their idea of a "settlement" was to offer me 2 or 3 payments per card - essentially giving me 2 - 3 months to pay off the accounts instead of the 24 - 48 months!

One account was turned over to Credit Solutions with an amount due of $688 but by the time Credit Solutions finally got around to negotiating with them, the late fees and interest rate had the account's amount due up to $1,112! I was constantly being flipped from one account advisor to another - none of them would return phone calls or emails. When I received a Warrant In Debt, it took several phone calls to get answers as to how I should proceed.

Instead of feeling like I hired a company to advocate on my behalf and that they were looking out for my best interest, I felt like they had dropped the ball and were trying to play catch up with these delinquent accounts and force fed me to make ridiculously high payments. I could either suck it up and take their offers, or deal with the credit card attorneys and/or be forced to go to court.

When I first signed up w/ Credit Solutions, they suggested that I put aside $228/month so I would be able to settle an account when a settlement had been reached. Instead, I was slammed with 3 different settlements all within a period of 2-3 months (totaling around $3500) all due at or around the same time period. And this isn't even including the largest of the accounts ($8,500) due around the same time period!

I emptied my 401K Plan (and am currently making payments to them to put the money back into the plan) just to pay off the largest account. Feel they misrepresented themselves when they described my payoff timeframe as 24-48 months. Had to take off work to attend court for account settlement and thought that I was paying Credit Solutions to negotiate my accounts and keep them from going to trail/court.

Credit Solutions contacted me in October 08, about a past credit card bill. I had initially spoke with Michele Jones who was trying to get me to pay this bill of $4,052.18. I informed Michele that I was unable to pay that because I am on a fixed income. And I refused to pay 4,052.18 on a bill that was initially $300.00. Michele continuously called me and offered me a settelment amount of $900.00, I said I couldn't pay that either. She then offered me a settlement amount of $700.00, I again said I cannot afford that offer. She called me again and then put her supervisor on the phone, I told him that I could not afford this offer but let me think about it. Michele then called me back in December and offered me a settlement of $400.00, I thought about it, I pay $400.00 and they will put in the report that I paid $4,052.18. I called Michele and accepted the offer. I initially accepted the offer to pay $25.00 a month until the $400.00 was paid off. But then I contacted Michele, and raised my payment amount to $50.00 a month. I paid the amount up until August, 09 and I called Michele and informed her that she took money out of my bank account that she was not suppose too, because my payments are done, she began to read her notes and said she would call me back. Of, course I never received that phone call.

I called back and some other person answered her phone and was very rude to me and told me they didn't care what I paid, I need to pay them more money. I told him that I was going to contact a lawyer. I later contacted Michele's supervisor and he apologized for my mistreatment but he cannot honor the $400.00 settlement. He then offered me a settlement of $525.00 more to add to the $400.00 and I can't afford that. I told the supervisor to not debit any more money out of my account, I will send my payments in because, your company has lied to me and I don't want them to have access to my account he told me they couldn't do that. I asked him to read me the notes that says that I accepted any offer other that the $400.00 and he couldn't produce that information, the only information that he has in the compputer is me telling them, I could not afford to pay what they were offering me. The notes that he read to me had Michele and I conversation word, for word until it gets to where I agreed to the $400.00 then the conversation in the notes stop. There is no talk about the settlement that I agreed to, the notes then go on to say Angela agreed to a settlement.

I specifically told the HR guy I wasn't interested in doing any "cold calling". He told me that I would only be calling people who had gone on line and specifically asked to be contacted by our company.

After two weeks of calling people who said they didn't request any information from us and had no clue as to how we even got their information, and worse yet, people who scream and curse into the phone because they've been called by 20 people at our company multiple times and told the reps and even e-mailed them to remove them from our list. I finally went and had a talk with the manager of the training department and found out they are buying list from other companies who may or may not have anything to do with credit problems such as mortgage loan companies.

He seemed shocked (or at least pretended to be) that we were TOLD by our trainer to ignore notes in the system and to go ahead and call people who had asked to not be called.

I wonder what to do?

I had a horrible experience with this company. I wanted to get out of debt and thought this was the way to do it. This company did nothing for me, and cost me 2400.00 and I ended up filing Chapter 13 Bankruptcy. I had numerous credit card debts and loans. I ended up with 2 judgements filed against me because of this company's actions to do nothing. They kept telling me to do nothing and sit tight. Yeah right.

When ever I called them I was put on hold for long periods of time, or I would someone who could hardly speak english. They kept telling they were working on my case, whenever I did get to talk to someone, but most of the time I ended up hanging up because of waiting up to a half an hour. I did get one credit card company to settle for a lesser amount, but I ended up doing the talking to them. Credit Solutions did not settle it, I did it myself.

This company decieved me, telling me they work with all credit card companys and loan services. But that's not what some of these companys told me. These company's kept calling me and telling me they never were contacted by Credit Solutions or do they work with Credit Solutions. Then when I talked to Credit Solutions it was a different story, they said they did. So who was lying. Well two judgments and Chapter 13 told me who was lying. I was so confused and upset with Credit Solutions I wanted out it's program. I called them and told them I wanted nothing more to do with them. Never heard another word from them. They got my money and ran with it.

I went through a divorce....bills ** *** **** because of it. They said they would help.....yeah right. Anyway, I paid for the monthly service. No offers, I called and said I want out, well you can not just cancel your account you have to talk to somebody. I fell for the promise of give us a chance, but when I finally got an offer of 1800 on one account and the same CC company offer me 985...I knew then something was up.

Anyway, I just told them I was refinancing my mortgage and was paying all my cards. They let me out, but not without taking half of the money I put into the so called help saving account. I could have used that money to pay off a card or two.

I was in a credit crisis in 2007-08, so I googled online and ran into Credit Solutions. At the time, it seemed to be a viable solution to my problem. I was with Credit Solutions for almost a full year in which I had paid $3000. After a year, it seemed to appear as though I was getting ripped off. Now for the last year I havew been paying into my Chapter 13 bankruptcy plan.

Now I have American Express Threating me about putting a lien on the house,Asked if they wanted my dogs they said oh are they purebreds, Very nasty.The supervisor and the Manager .

Started looking two years ago for some help. Found a couple and chose Credit Solutions. They made remarkable promises. We paid them $269.00/month and gave them Power of Attorney on 3 of our Cards. A few months later, delivered by a Sheriff's Deputy, a complaint from one of our cards attorneys threatening legal action. After faxing the information to Credit Solutions, and waiting two weeks with no response and NO return calls, we contacted the Law Firm and settle for the FULL amount ON OUR OWN. We received settlement offers for sometimes 1/2 of what we owed, but the payment needed to be made at the time of the offer.

We couldn't make the monthly payments, notheless 1/2 of what we owed in a lump sum. We heard nothing from them for MONTHS then the Sheriff visited us again, two days within one another, with legal actions for deliquency on our cards. Again, we sent this information to Credit Solutions, made numerous calls, and no response or Satisfaction. WE contacted the credit card companies, negotiated settlements, and paid them off ourselves. Credit Solutions basically took our $269.00 per month and did absolutely NOTHING but cause my credit score to drop over 100 pts!

THEN, when WE settle everything 2 years ahead of their 3 year schedule, they wanted the balance of the $269.00/month payments! The graciously offered to pro-rate the payments. DO NOT USE THESE GUYS!!!!! They take your money. Allow your cards to go into default, and you can NEVER talk to anyone that can help you. Call your card companies yourself! They will do FAR more than these bozos.

After the credit card companies began raising my interest rates to the point I knew I could never get out from under them I contacted Credit Solutions. I spoke to Veronica Kimble, she told me that all I had to do was to make a payment each month and they would take care of my accounts, she even gave me an 800 number to give to my creditors,she told me that after I gave them the 800 number the creditors would not contact me anymore. I had her repeat this info several times over a couple of weeks before I agreed to it. After a couple of months making payments I tried to contact her and could not reach her, I then contacted the main number and was told that I was suppose to be putting a certain amount back each month after the first 3 months to pay my accounts, and that it was my responsibility to make arrangements with the creditors. I am so far behind now that I cannot make my payments and I had always kept my payments up and current, they have ruined me.

This Account was found on my credit file, and I have or have not had any account with this company! $160.00 Balance. This has had a deragatory effect on my credit.

They continually call my home and work and when I ask to speak to someone to ask them to not call they hang up on me. I have tried each time they call to ask them to stop and the same thing happens

I have read all the complaints about Credit Solutions and I have to say I joined this program in January of 09 and have had nothing but good experiences with them. I have a very large amount of credit card debt and needed someone to help me. Unfortunately all the other places I called were too expensive for me. I have already paid off 2 of my creditors and am saving towards the others. Yes, I have been threatened about being taken to court but no one has yet. I guess I am in the minority on this but I am completely satisfied with them.

They said theyb could help us with debt, then they did not. I ha ve a hard time seeing that they did anything. We ended up with 4000.00 dollors extrra charges and our wages garnished. Our wages got garnished and they didnt even help us one bit, it costs us in late fees , plus 25% perscent of our wages on topm of the $2000.00 worth of late fees got charged to us. Where is the justice in that. We were taken advantaged of by someone that was to help us.

Credit Solutions promised to contact my creditors to close accounts and negotiate settlement offers, but they took no action. They advised me to stop paying my bills and promised they could settle my accounts for a low amount of money. They misled me to believe they would stop any late charges or other fees. This is a fraudulent company that does not even return their client's phone calls. I have made numerous monthly payments to them for their "service", but they have done nothing.

Well I was done with them due to the fact they where putting me with more debt and where not doing anything just collecting money. And then when i wanted to settle they representive told me she would call me back and never did. I cancelled cuase i did not like their service and after i cancelled they made two illegal transactions on my bank statment.

I was told from two representives that i would recieve an e-mail cliaming they recieved my fax and would get my refund and never did. When i called to find out what was going on they acted as if they never recieved a fax even thouh i have proof i did. And few rpresentives told me they did receive my fax and that i should receive the funds in my bank statement. And never did they claim they have not recieved so this is where im at now. It cuased my bank account to be overdrawn twice becuase of them.

Unsuccessful attempts to get our interest rates and monthly minimum payments reduced with telephone calls to the creditors prompted us to contact Credit Solutions in January 2008, for assistance in getting our accounts paid off. My husband was just getting ready to start college, and we knew that it would become harder to come up with the money to pay on cards we had quit using three months prior. Their program sounded too good to be true, the possibility of settling 13K for $6k and a fee of $1869? Who wouldn't take that opportunity to start again (without the burden of being trapped by credit card debt) if offered assistance? Being told to let our accounts go delinquent (they were only 30 days past due when we contacted CS- balances, payments, and interest rates were quite high), as it would provide better leverage for negotiating settlement of the accounts, as they could get them settled for half of what was owed somewhere between 40-60%. We followed their instructions, not to have any contact with our creditors after sending each a certified copy of Power of Attorney paperwork allowing Credit Solutions to act on our behalf, and giving the creditor line number to any creditors who continued to call; and began paying the fee and saving what we could as outlined in the Customer Enrollment package.

Sometime in June 2008, after months of voicemails and past due notices from creditors-we contacted CS, asking if there had been any settlement offers received from these creditors. The one CS representative who was good about returning calls (not as good in negotiating settlements anywhere close to the 40-60% as claimed in the Customer Enrollment Packet or early enrollment phone calls) stated that it was too soon, the accounts weren't delinquent enough, and inquired as to the amount of money we had saved at that time. It was agreed that we needed to continue saving, and wait for settlement offers to come in.

Our next call to CS was in October 2008 when I began receiving phone calls at work from a particular nasty creditor, who after identifying herself asked to verify my name and address, which I did. At that point, I informed the rep that they were not to contact me at my place of employment, and needed to call my credit advisor at CS. Days later we received correspondence from the credit representative telling us that the account had been turned over to a law office- which would be taking us to court. I immediately contacted CS, asking our rep why it had come to this, wasn't this the basis of their program helping people by negotiating settlement with our creditors in order to keep from being sued? The settlement took almost 2 weeks, as our rep told us that the creditor hadn't forwarded the Power of Attorney to the law office, so we went through that whole process again. Our rep (the only one to actually negotiate an account for less than owed, not the 40-60%) negotiated a settlement of $429, the account was only $638 when we enrolled). This prompted the flood gates to open..

We received another letter shortly after from a second creditor again informing us that the account had been turned over for court proceedings. Fortunately, we had been saving money as required, and still had a small amount left over from paying the first account, to make an initial payment to the creditor, and then had to agree to make 2 more monthly payments to get that account paid (this settlement caused hardship in paying basic monthly shelter expenses during the winter months, however did actually save a large amount of money), as we settled for $1000 less than original balance.

However, 2009 was a new year, began saving money again, and anticipating the annual tax return money in hopes of getting the other 4 accounts settled before being forced into legal action on them. Didn't last long, March 26, 2009 we were served with a subpeona from HSBC. I immediately contact CS, and continue daily leaving several voicemails for our regular rep Calvin to return my call. A week and a half later finally resigned to being placed in que to be helped by next available credit specialist.. Explained that our regular rep hadn't returned any of my calls. Spoke with new rep questioned why we were receiving a subpeona, and why it had come to this? Again, repeating the same questions asked months earlier, wasn't this why we hired CS, to avoid being sued? Had there not been any settlement offers on this account either? I was told that I would now need to deal with the litigation department, as the regular reps weren't allowed to handle my account??

Spoke with a litigation specialist named Robert, who took down the information in order to contact the law office. I inquired as to when I could expect a return call, his response was by the end of the week, if I hadn't heard back to call or email him (he gave me his extension and told me that I could also email him, as he was capable of taking calls and corresponding by email while doing so). Left a voicemail at the end of the week, and sent a email to him asking for update. Calling back the next week I dialed my original rep, Calvin's extension, asking for assistance explained that Robert was supposed to have gotten back to me. I was then transferred to Sang and explained that I was upset, again repeated my spiel regarding the whole reason why we hired CS to avoid legal action and get this stuff paid off. He apologized for Robert's lack of response, "understanding my concern" he assured me that he was very successful in his abilities to settle litigation accounts, and if I would send a copy of the subpeona over (which I promptly had scanned and emailed to him) that he would get back to me ASAP. I stated my concern about how long ASAP would be... as it seemed the calls weren't currently being returned by anyone, that I was having to take my entire hour lunch just to make contact with them lately.

Sang did return my call, however only to inform me that this particular lawyer's office would not deal with credit solutions, and I would need to call and negotiate it myself, but to call CS back and let them know what was agreed upon. This upset me a little, as I was paying them to work with the creditors, why did I have to call the law office and negotiate my account? I let Sang know that this did not please me. I tried to negotiate this account with the law office, and felt I was unsuccessful, as in order to avoid going to court, we didn't have enough left from the money saved and tax return, so had to agree to monthly payments and will end up paying $800 more than the account was when we enrolled in credit solutions. There goes the savings from the last settled account.

At this point, we were getting pretty worried, because the account with a "big balance" (a Capitol One card-the largest of the 6 accounts with a balance of $5100 when "enrolled in the program"), had yet to be settled... wondered if there would be another subpeona later in the week. It actually took 2 weeks for the next one to be served, and it was for the 'Big Balance".

The second subpoena showed up and they are now asking for $8430.27 plus interest and court costs. Contacted CS, unable to reach Sang, so have asked to speak to another litigation specialist, this time I get Tyrell, who is very regretful about the past problems, and gets an earful regarding this latest development. Together, we three way call this new law office, and are told that they were willing to settle for $4000 down and payments of $225mo at 24.90% for 24 months (more than the amount asked in the court documents-where is the 40-60% savings?) This account is the main reason why we enrolled in their program, as the other accounts would have been manageable. Another call to Tyrell a few days later to see if there is any other way to deal with this account in order to avoid going to court. He suggests the famous "can you borrow from family or friends line... " It really amazes me that they teach these reps this one, because hello!! By the time most people enroll in Credit Solutions program they have already borrowed from anywhere that they possible could have.. family, friends, loans, etc..

We ended up having to go to court on this one and are currently still in the middle of proceedings, (go back for trial on May 26th).

I called up credit solutions one night asking questions about there program because I have alot of medical bills that I needed help with. The following day I signed up with them and gave them all my information. I explained to them that some of the medical bills already had court dates if that made a diffrance and they said no. After signing up with them they were taking out monthly withdrawls from my account but not handleing any of my accounts. One of my accounts got to the point were the courts decided I would have to pay weekly. I called credit solutions and questioned this and they kept giving me false information.

After a couple of weeks I was very unconfortable with the situation and call credit solutions and told them that the account that was made in judgement against me in court I would be paying it like I was ordred and for them to take that off my account and re-calculate my monthly payments as well as overall because this was the largest bill on the account.

For months and months I called faxed copies of paperwork court papers and they stalled and stalled not sending me a new adendem as they call it. After many phonecalls and hearing crazy excuses about the wrong department it was not activated it was never requested and things like that I got scared. These people had taken over $1,200.00 out of my account for months. I made a bunch of calls and was on the phone for over an hour.

Finally I called and told them I would give them one more chance to get this issue resolved or I would be out we were not talking about a small amount of money. Then they never did that adendum. Then I spoke to this lady who stated they can only refund $375.00 I questioned why if the mistake was on there end. Ever since then I left messages and never recieved any phone calls back till this day.

I believe NCS is perpetrating a fraud on consumers by placing unwarranted collections on peoples credit reports from long ago and unconfirmed accounts with a Bmg Music Service in the hopes that the amounts are small enough that the consumer will pay rather than argue the claim.

loss of credit score

We signed up with Credit Solutions 3 months ago. We have made 3 payments of $600+, and they have done nothing for us. All creditors have contacted us and said we could negotiate directly with them. We have also been threatened with a lawsuit.

Out our 3 payments, credit score destroyed, stress, depression, aggrevation.

I was told they would clear up all my debt and repair the damage on my credit made by fraudulant use. I was told to stop making my credit card payments so they would have leverage with the companies. I was told none of my accounts would go to collection agencies when I stopped making payments. I was told I only had to pay $256 for 2 months $105 for 2 months. That was all lies.

They wanted $4000 and my accounts that were in good standing went to collection agency. When I told them they said fax the info to us and we will take care of it. Cost me $9.87 to fax and they did not do a thing. They are now haunting me for $$ and I refuse to pay. Ca law is no more than $30 a month they can take, and I told them I couldn't afford their fees. I was lied to and made promises and now my accounts that I was current on are in collections.

They have done so much damage to me and my health as well for all the stress they have now caused me they have also added even more cost to me with medical expenses due to there actions. I don't know what to do and I need my money back to pay the bills I was told to not pay by them. Credit Soulutions have hurt me worse than what I was before they feed me all those out ragious lies.

Cannot get bills out of collections, medical costs have sky rocketed due to the stress and worry has caused health problems. Financial hardship and depression. Im a mess and I don't know how long or how much time its going to take to undo the damage they have caused me with their lies and empty promises.

After Reading all the other complains what else do you want to hear. The only good thing I can say is that I'm not the only one who got screwed and my life got ruined. Just because they have a 1-800 number doesn't mean that they are a legitimate company. I don't have such an evil mind like these thieves so I couldn't think of such unbelievable things but now I've been through it and through much more. I guess I must consider myself stupid now because I fell for this and was with Credit Solutions for over a year and paid them every month it could have been over two years.

I had a great credit before and all I tried to do was make it better and reduce my debt but what I got in return was a larger debt and no more credit at all, *unbelievable* what you try to do and what you get in return. I went through so much depression and got into so many fights with my family and ended up as a heroin addict because otherwise I would have cared and gone to burn down their building and as many thieves as I could but just destroyed myself instead.

Hey I must look at the bright side, my family is still alive and I can be sorry for the fights and live my life all over since I have recovered from heroin and start over. What doesn't kill me does make me stronger? but another day may come that can let it out, I don't know I need help! I'm not evil I cannot do this much bad I don't belong here.

Today we have to watch out from those who supposedly protect and serve too because we are never sure which cop is the one that will take us behind the trash can beat us while handcuffed usually if you have a lot of cash on you only, hey if your lucky you will only get a ticket to go back to court for disorderly conduct instead of being shot a killed so what can I say that is also true God knows it is.

No more Credit, Destroyed, depressed, relapse on drugs, but still a big and clean heart from many others out there.

I enrolled with Credit Solutions in Oct 2008 as our finances bubbled with the economic crisis and our small business sales dropped 85%. I was looking for help and heard about Credit Solutions on Oprah. Based on that endorsement, I called them to discus my matter. After a genuinely caring and responsive sales pitch, I signed up with the program thinking. Wow, this can really help! They told me to stop paying my creditors and to forward all collection calls and notices to them. Yeah right! That did nothing!

Phone calls night and day from creditors, most of which stated that they don't and will not work with Credit Solutions. Balances increasing with late fees and interest, notices in the mail, all the time, threatening charge-off and what-have-you. Also, don't expect Credit Solutions to actually provide you a financial analysis based on your income to even see if their service can benefit you. That's how I became screwed. $300 - $600 per month in Administrative fees paid to them, none of which gets applied to creditor balances.

To top it off, inconsistency between representatives about what you are actually paying for. I received private calls from most of my creditors wanting to negotiate settlements, one offered 17 cents on the dollar! Unfortunately, I was stuck paying Credit Solutions $600 per month so I didn't have the money to accept the settlement.

As of March 2009, Credit Solutions show no proof that I getting anything for my money. I am being called all the time with charge-off notices which soon means court and garnishment. If I never joined Credit Solutions, I would have over $2,000 that I could have paid towards these balances or even a Bankruptcy attorney. Credit Solutions is a farce.

Bottom line, everything Credit Solutions says they do, you can do just as easily; and you don't have to pay anybody extra money! My credit score went from 740 to 505 in 6 months all thanks to my false hopes in Credit Solutions. It's so unfortunate that in times of need, there are companies like this that just want to bury you deeper.

Rose from 1-800 called my home around 6.30pm tonight. I advised her that I did not want to use their service and to discontinur calls immediately. She said 'so you are handling your 13k debt with dow financial on your own' i advised her that we were and it was none of her business.. she then began to verbally yell over me and interrupt me with a list of creditors and amounts that i owe them. I advised her it was no longer any of her concern and she ended the call by hanging up on me while I was still talking. I used *69 and captures her phone number.

I then called back to discuss with a manager, this was no doubt her private line, she said this program was not for people 'like me' and hung up again, I called back and got her voice mail. I advised her that I would be reporting her. About 15 minutes later I recieved another call from the same company but from another representitive named Damien. He again wanted to discuss my debt and who I owed and his program. I advised he was in violation of a cease and desist order I gave to Rose. He continued to try to coherse me into his program. I demanded that he give me his name- he hung up on me.

I called *69 and captured his phone number as well 1-800. I called him on this number which is also a direct line and made sure I had his name correctly and he also hung up on me. I then went to the internet and called credit solutions and spoke to a man who stated that he saw that a cease and desist was ordered by the first representitive. I gave the story to him and he stated that Damien did not document the call. He also said that all of their calls were recorded, yet neither of the first two representitives gave me the monitor and recording disclosure.

Fact is- I have debt but not enough to qualify for the 10k minimum. If they count all debt including items I am current on I will have 10k in debt. But you cannot settle on student loans or on debt that is not delinquent. It was determined a long time ago I did not qualify for the program and future contact was not necessary. I feel opressed, abused and harassed by these two individuals and I want to know what this company plans to do about it. Its obvious they work on commission and their attitudes towards consumers mirror debt collectors desperate for a bonus check... at the very least they should check their records and see that i dont qualify for the program before they interrupt my time continuously after I have stated (and they have documented) NO CALLS. I have also contacted legal councel on grounds of harassment. Rediculous.

I should be enjoying my afternoon instead of recieving multiple calls from a counceling company that I cant even USE!

I enrolled with Credit Solutions in October 2008 to help assist me with debit settlement. I was told Credit Solution would contact my creditors and work on settling my debit. I was instructed not to communicate with my creditors, since Credit Solutions was working on my behalf and would negotiate settlements. I was informed this process would take a few months before settlement offers would be presented to me. The sales representative for Credit Solutions stated the following: my debit of $32,0000.00 would be paid off in 12 months or less; settlement offers obtained would be 30-50% of account balance; smaller account balances would be negotiated and settled first; and balances negotiated would remain the same account balances from the date of enrollment, not to include finance and late fee charges. Thus, I enrolled eleven creditor accounts, balances ranging from $850.00 - $8,600.00 dollars.

Each month Credit Solution would withdrawal funds from my banking account and transfer them into my Credit Solutions account to be available for settlement payments. To date, there have been five withdrawals from my bank account to the Credit Solutions account totaling $1,552.05 dollars. After two months, I started actively contacting Credit Solutions for updates on my credit accounts. Representatives from Credit Solutions stated information was forwarded to creditors, however they have not responded. There customer care department assured me that this process was normal and please be patient.

By month three and four, as creditor phone calls increased, I contacted Credit Solutions customer care department and asked for follow up with creditors. During this timeframe I faxed and emailed account information to Credit Solutions. On February 23, 2008, six months later, I discovered through direct communication with creditors, that Credit Solution had not been engaged in any type of account settlement negotiations, nor did creditors know that Credit Solutions was working on my behalf. I contacted every creditor that was enrolled in the program and none of the companies had been contacted by Credit Solutions. Moreover, my account balances increased by $800.00 - $1000.00 dollars, due to all the late fees and finance charges.

I immediately contacted Credit Solutions, expressing my concerns regarding the lack of communication with my creditors and the lack of negotiating/obtaining settlement offers on any of my accounts. I also stated that I was very dissatisfied with services and was considering canceling my enrollment. The customer care representation promised assistance and stated she would forward my information to the settlement department and have a representative contact me immediately to work on obtaining settlement offers for several of my smaller accounts. However, I did not receive a phone call from anyone in settlement department as promised, therefore I contacted them. I update the individual in the settlement department on previous conversions and my desire to work on settlements for smaller account balances; he stated he would contact the identified creditors and call me back - he never called back.

Meanwhile, a creditor contacted me directly and provide a settlement offer. I asked the creditor to work with Credit Solutions, since I had $1,552.05 dollar in my debit settlement account. The creditor contacted Credit Solutions with a settlement offer, however the settlement department never followed up with them and the offer was never presented. The next day, I contacted the creditor for explanation and she stated that Credit Solutions did not return there phone calls regarding the settlement offer. I asked the creditor to provide another offer and I would follow up with the settlement department directly. Thus, when the online offer was presented to me six hours later it was substantially higher than what was discussed with the creditor earlier.

When I tried to address this with Credit Solutions my phone calls were forward to voice mails until the department closed. I left four message for the settlement department, it has been two days and no one has called back. As a result, I cancelled my enrollment with Credit Solution both verbally over the phone with a customer care representative and via email. In addition, I asked to have all withdrawals stopped and funds in my Credit Solutions account be refunded immediately. I indicated that I filed a complaint with the Better Business Bureau and was submitting a complaint to State of Michigan Attorney General's Office. Again, Credit Solutions provides misleading information, false advertising and does not deliver services as promised. This company knowingly takes money from individuals that are in financial stress and does nothing to settle debit. They pray on consumers that have fallen on hard times and make the situation worse. My main objective is to receive a refund from Credit Solutions in the amount of $1,552.05, so I can pay my creditors as promised.

NCS appeared on my credit report for 2 a/cs alleged from IDT- they simply re-aged accounts that exceed the statute of limitations- this is illegal

When I signed up with Credit Solutions they told me that not to answer or talk to any of our creditors that they would work our creditors. We have paid Credit Solutions over $4000 dollars and my credit is worse than when I enrolled in their program. I am being taken to court and received a writ of garnishment from one of my creditors. That $4000 dollars i paid to Credit Solutions could have gone to my creditors. I now am filing for bankruptcy because I am so behind and in debt that this is the only alternative I have know to protect my family from living on the streets.

I am being taken to court and creditors are garnishing my wages. I cannot support my family when my livelihood is being taken. I am under extreme direst and it has taken a toll on me emotionally.

I signed up with Credit Solutions in October of 2007. My credit was so/so at the time, I would fall behind on a payment here and there but nothiing crucial. We had recently taken in my disabled father & mother and were expecting our second child so I could foresee trouble on the horizon. The pitch I was given was that if I could out $550/month asiade in a separate bank account I would be able to pay off all my debt in the next 4 years, that my debts would be settled for 60% less than the actual balances, and Credit Solutions would work with my creditors to avoid any harassing phone calls, lawsuits, etc.

Not one word of that was true. I had to pay out over $1,500 before they did anything and then another $250/month for the next year (the other $250 was to be saved in my account to go towards my debts). I did settle 3 accounts. However, all 3 required me personally speaking with the credit companies and then relaying those messages to Credit Solutions b/c I was in contract with them. The $250 per month I was saving towards debt didn't help me because my first settlement was for $180/month for 6 months I think which was fine, but the second one was for $666 per month which was in addition to the $250 I was still paying Credit Solutions. The 3rd account I had to appear in court for and they settled for about $1,000 more than I owed them when I signed with credit solutions and I have to pay them $180 per month for the next 3 years.

I tried to cancel my agreement about 3 months ago and was told that the companies would get vicious and take me to court or garnish my wages, so they convinced me to freeze my contract. They would not deduct funds for November, December or January so I could catch up financially, and they would tack those payments on to the end of my contract. They ended up taking out January's fee anyway, for which the money was not available and caused an overdraft fee on my account. I called to complain and request my money and fee back and was told that since I was considering cancelling they couldn't do that. I ended up having to tell them I would stay on the plan. They finally reimbursed my $250 but never refunded my overlimit fee. I have since then cancelled my policy with them and now face the burden of trying to explain to all these creditors why they haven't been paid in over a year.

My Credit Score is demolished, I am falling behind on other bills to keep up with these settlements because I dont want to default on them, and I just received another summons to appear in court for the full balance on another card. My husband and I are now at risk of having our power shut off, and possible foreclosure because there is just enough money to keep paying credit solutions, the settlements and all our current monthly bills. Plus now that I need to try and negotiate with the creditors who have not been paid in over a year, they will not take what I can afford, they want large sums of money which I just don't have. I paid credit solutions over $4,000 and now am even further in debt then when I started!

We contacted Credit Solutions in mid-September, 2008. They said they would negotiate with our creditors to receive a settlement offer. They began the first of October withdrawing payments from our checking account. They said the phone calls from creditors would stop. They never did. They got worse, and sometimes received up to 50 calls per day at home and at work. We contacted them several times between September and mid-December to find out what actions they had taken to settle these debts for us. We were told at that time that there was a 90 day waiting period before they could begin any settlement negotiations. We were upset that nothing had been done yet, so they offered to stop the January withdrawal from our account, which they did. They also said they would begin negotiations for two of the credit cards and should have a settlement within 3-4 days.

Never received any calls from them. They withdrew their February payment from our account. At this point, we were really getting tired of the phone calls. I decided to talk to the creditors myself and see if I could negotiate with them. After about two hours on the telephone, I had settled most of the accounts myself. I then called Credit Solutions and asked if they could send me copies of any settlement agreements, especially the two they said they would have for us back in December. There were none. When I talked to our creditors, the first thing I asked them was if they had been contacted by Credit Solutions in any way to negotiate settlements. All checked back in their files, and all said No.

The creditors were very easy to work with and were glad we were making an attempt to settle the debts. Credit Solutions, on the other hand, was very upset. I did ask them for a refund of the payments we made, which totaled almost $1,200.00. The girl I talked to said they had no refund policy, but they do have an Account Review Team. They could review our case. They were to return my call the following Monday. That never happened either. The girl in Customer Relations was very upset with us and said You ruined everything! That's why we don't want YOU talking to the creditor! None of my answers for them were ever answered. I never got copies of any settlement offers (because there weren't any).

I closed our account with Credit Solutions on that Saturday, despite much disapproval from them. She was not kind at all! But then again, neither was I. I was trying to make my point that it didn't cost ME anything to settle with my creditors, and it only took me about two hours. How come they couldn't get anything done in five months? Every person we talked to at Credit Solutions tried to make US to look like the bad guys. They also tried to make the credit card companies look bad by lying about what they're after and how they settle accounts. Credit Solutions was doing to us what they SAID the credit card companies would do to us. I did make the credit card companies aware of what Credit Solutions was saying. They were not happy, but also not surprised. They said they have had many problems with Credit Solutions themselves.

First, our credit rating is totally ruined. We no longer have ANY credit cards. We have lost almost $1,200.00 in fees paid to Credit Solutions for absolutely NO SERVICE. We could have used that money to pay creditors. My wife was so depressed about all of this, she tried to take her own life. Fortunately, she did not succeed. But we are now left with hospital and doctor bills, along with additional prescriptions for her. Because Credit Solutions did not attempt to resolve any of our accounts, we incurred many overlimit and late fees on our accounts. When we did finally settle with the creditors, they all wanted some of their money right away. We had to borrow money from relatives to keep us afloat financially until these matters are finally taken care of.

First of all, they tell you what you need to hear to sign up. Then, when I tried to get in touch with the person who set me up, he's no longer available. Several different sales people tell you so many different stories, at that point, you don't know what to believe. They take money out of your account, without doing anything for you. They made me go into late fees on my credit cards, got attorney letters that I was getting sued, but they continue to tell you, don't speak to anyone, that's O.K. and they will handle it.

Finally, i got fed up and spoke with the creditors myself, and some of them settled and some are still with attorneys. I am in worse shape now than when I was before. I can't even get a loan to pay off the debts, because my credit score is so bad now. My credit was great when i got into this program, and now it's ruined for 7 years. This is so unfair. We were falsely represented, and I feel this program is a Rip Off!

My credit is totally ruined,they took about 1700.00 dollars from me, which i could have used to pay these creditors, and now I'm getting letters from attorney's that If I don't pay these debts soon, they will take immediate action against me.

I got sucked into this company to help me settle my credit card debt since I have not been able to work for over 2 years - I paid them good money and was told just to sign and not worry about reading anything - that they would send letters out to creditors (which never got done) I continue to receive harrassing phone calls from people I owe money too and then I found out the money I paid to them was just for their services and nothing else. I asked to cancel right after the first time they deducted money of my account and was told I couldn't I have paid them over $2000 plus dollars and nothing has been done to resolve my various calls at all hours of the day. I just want a refund and I don't think they should be in business.

They lied to me about where my money was going and that they would send letters out to my creditor's which since 9/08 - no one person has received a letter from these people. If there is a class action going on with this case - my name can be added.

I paid three payments of $168 and some change. Then I paid their fees in full with a $1147 and some change. I had extra money and asked them (some guy who called) to settle all my debts, this was 9-26-08. It is now Jan. 14th, 2009 and I have had no contact from them after repeated attempts to email. Most recently I just requested a refund since I still receive all the collector calls( they said they would handle them) and not one settlement offer has been delivered. That $1600 I paid them might have kept my credit rating from getting worse and could have been paid to my creditors!

After my divorce it is very difficult to get back on my feet. My X husband made 100k yr but the debts were in my name so now I make less than 20k. Quite a HUGE change in my living expenses and I needed help. I had depended on Credit Solutions to help me do this. They have turned their back on me, not responded and I bet they have (my) money to pay their bills. THANKS CREDIT SOLUTIONS for screwing me over, ruining my credit and chances of rebuilding my life! Now these companies have sued me, my credit is the lowest it had ever been and I feel stupid for thinking that a company would actually do what they say!

I enrolled in Credit solutions in July of 2008. I was a student, trying to make ends meet. I thought CS was a life saver. Finally be debt free... i could finally get a better student loan and didnt have to hold 2 full time jobs anymore just to pay min. payments on a credicard. I was wrong, so wrong. You know that saying.... if its too good to be true then it probably is... well Credit solutions was.

I was under the impression i was paying them a fee of 76 a month and my interest rates would be cut on top of my accounts being settled. What they dont tell you is when your waiting for things to be settled you credit hurts even more. All my creditcards were put in collections. I would get harrassed everyday by creditors. When i would contact CS they would say that they were handling it. I finally pulled my credit report. i wen from a 658 to a 545 from being in this program.

I contacted all my creditcard companies, they NEVER RECIEVED ANYTHING FROM CREDIT SOLUTIONS!!! i paid for nothing... fraud it what that company is!!!! i went from owing 1700 on one credit card to 2600, from finance fees, late charges, and then overlimit charges! whatever you do DO NOT USE THEM!!!!!

im a 21yo med student... i cant qualify for any loans because of this.. my future/dreams are ruined.

I enrolled in Credit solutions in July of 2008. I was a student, trying to make ends meet. I thought CS was a life saver. Finally be debt free... i could finally get a better student loan and didnt have to hold 2 full time jobs anymore just to pay min. payments on a credicard. I was wrong, so wrong. You know that saying.... if its too good to be true then it probably is... well Credit solutions was. I was under the impression i was paying them a fee of 76 a month and my interest rates would be cut on top of my accounts being settled. What they dont tell you is when your waiting for things to be settled you credit hurts even more.

All my creditcards were put in collections. I would get harrassed everyday by creditors. When i would contact CS they would say that they were handling it. I finally pulled my credit report. i wen from a 658 to a 545 from being in this program. I contacted all my creditcard companies, they NEVER RECIEVED ANYTHING FROM CREDIT SOLUTIONS!!! i paid for nothing... fraud it what that company is!!!! i went from owing 1700 on one credit card to 2600, from finance fees, late charges, and then overlimit charges! whatever you do DO NOT USE THEM!!!!!

Requested info regarding exact details on how debt was to be settled and what monthly costs were going to be, at time told customer service rep to put account on hold till we made a decision based on info provided. Company did not put account on hold and debited my bank account without my permission, they claim that I was supposed to have been sent an approved cancellation request which was Notmentioned at time that I had initially spoke with csr, they did send me a form/waiver to sign which I did and emailed back within an hour of recieving it, in retrospect I many have signed the realise unwittngly but under the situation I needed that the money be replaced back into my account as we had other obligations and just wanting them to honor their word. But it has in the interim become blatantly obvious that their word hold no value.

as a result my bank was debited and went on to overdraft to sum of over $200.00 in addition they said they would happily refund fee and cover overdraft charges with in 24-48 hours once they reviewed the case and someone would get back to me soon, I never did get a call and a week later I called them again, once again got bouced around from departemnt to department with once again a promise they would resolve the issue and get back to me in a few minutes, two hours later still no call after being assured that as a courtesy they would look into the file and get back to me. The orginal reason we went to credit solution was to get help getting out of debt and fullfill our financial commitments. Recieved a call saying they were going to replace funds and overdrafts charges, still nothing.

Basically i have been with their program for 6 months now, and have currently paid them $1,500. Upon entering the program i was told that they would help me by reducing my credit card balance by 40-60%. That i was to save each month so that when they did reach a settlement than i was to pay them with that money. Or if i didnt have it than to cash out my 401k or borrow from family members.

Their fee was $3,000 in the end but they were there for me. Well everyday i recieve harassing phone calls from credit card companies and they would tell me that they havent heard from credit solutions or recieved any paperwork from them. So each month my balance grew on 1 card from 7500 to 9500. 2 of the cards have been sent to collection agencies. I feel that im on the verge of being sued and currently talking to a bankruptcy laywer.

I called to tell them that i wanted out of the program and want my money back. He told me that there was no refunds. I had agreed online to this,even though there is a 100% money back guarantee on the website. I am very upset that they have put me in a worse situation than i was in. I only wanted help but instead i have been taken advantage of.

The damages have resulted have been that each month the finance charges and late fees have multiplied. That everyday i recieve calls and messages from creditors. That they have taken 1500 from me and have done nothing, then they wont refund me. That i am about to be sued anyday, which has reduced me to consider bankruptcy. The embarassment that this will cause to me. Future job positions that i may been considered move up to with my employer. (management) To have my credit show seriously deliquint pay history. And to have my credit ruined for the next 5 to 7 years.

Basically i have been with their program for 6 months now, and have currently paid them $1,500. Upon entering the program i was told that they would help me by reducing my credit card balance by 40-60%. That i was to save each month so that when they did reach a settlement than i was to pay them with that money. Or if i didnt have it than to cash out my 401k or borrow from family members. Their fee was $3,000 in the end but they were there for me. Well everyday i recieve harassing phone calls from credit card companies and they would tell me that they havent heard from credit solutions or recieved any paperwork from them.

So each month my balance grew on 1 card from 7500 to 9500. 2 of the cards have been sent to collection agencies. I feel that im on the verge of being sued and currently talking to a bankruptcy laywer. I called to tell them that i wanted out of the program and want my money back. He told me that there was no refunds. I had agreed online to this,even though there is a 100% money back guarantee on the website. I am very upset that they have put me in a worse situation than i was in. I only wanted help but instead i have been taken advantage of.

I have been with Credit Solutions since July/Aug 2007. I have paid them monthly and am still in debt. There were NEVER reasonable offers made to me and I always spoke to a different person on the phone. Today, I was on the phone with them for no LESS than 25 minutes asking for confirmation that I was OUT of their program.. 25 MINUTES! Getting passed from one person to the next. Why it was so difficult to get out of their program is uncomprehensible to me. It was real EASY for them to take my payments. I have never argued with creditors as much as I had to argue with them to cancel out.

I am here to tell you, Credit Solutions is not the ANSWER! I am STILL deeply in debt, been sued and out a lot of monthly payments which could have been used for the good. If Credit Solutions would have argued with my creditors, and tried to convince them, the way they tried to convince me to stay in their program, things might have turned out differently. All I know is that they are that much richer now that they have my money along with everyone else's on this site. I am so sorry for us all. Hopefully people will read these complaints before they get mixed up with Credit Solutions.

We, up until involving ourselvs with CSA, had a very good credit history but were beginning to be overwhelmed by credit card bills after I lost my full time job. We joined CSA in Aug of 07. We had enrolled multiple accounts with them and paid well over 1000.00 for there service..or shall i say lack there of. CSA was to work with our creditors directly on our behalf to negotiate settlements on our accounts for a fraction of the balance. We were under the impression that we would pay CSA a service fee for a period of time and save extra funds on our own to pay the settlements as they came. We would be taking care of our debt in less than 4 years. CSA representative stressed that they would be working with us on a wkly and monthly basis touching base with us to insure we were saving out funds.

After a month or so went by and I never got a phone call from CSA I began to worry. The only people I had heard from were my creditors...EVERYDAY. My creditors all stated that they had not been contacted by CSA and some even told me that they do not even acknowledge this company. They even tried to warn me. I began calling CSA for answers. CSA representatives advised us to not speak with any of our creditors as this would only jeprodise the settlement process that CSA was working out and confuse the creditors. They assured my that they were contacting my creditors and that the creditors would tell me anything to get their money. Little did I know that CSA were the ones willing to tell my anything!

I continuted to be as patient as I could with CSA over the next month but this did not last as one day my husband was issued papers to appear in court. We were being sued by one of our creditors who'm CSA were to be working with. It was at this time that I knew something was wrong. I started calling CSA and had to do so on a daily basis. I was never able to get the same representative and I had to completely explain my situation over, every time i called.

Nobody was ever willing to truly help me. I would just get the same excuses. I spent days on the phone, hours of my life I can never get back, crying and pleading with CSA to take responsibility. It took everything just to get them to stop taking money out of my account. In the end I had to settle EVERY one of my accounts on my own. I demanded a refund of my money but CSA would only make a request on my behalf. I never saw a penny returned. My husband was sued in court. Our credit record is ruined until 2015. Nobody will lend us a penny.

I was paying them to negotiate to my credit card bills. I was advised to tell the collections agencies to call them and to send any collection notices to them. I did this for almost two years and would speak periodically to a woman named Gail who told me they were close to negotiating settlements.

Well guess what? I am being sued by a collection agency in Ohio who being represented here by an attorney here in NYC. I went down to the civil court house to explain and now I have a court date set for February 2009. I also found out that this collection also no longer owns the debt because another agency called me to tell me they own it. I am currently negotiating with them.

However, I called Credit Soultions and have gotten no where. I was told that Gail never ever worked there. I paid them money to help me. I immediately called my bank to stop payments to them and I called Credit Solutions to cancel my account.

I am a basked case right now because I am underemployed and can barely make my rent.

We joined credit solutions program to get out of debt. They reassured us that we were better off working w/ them than getting a consolidation loan. It was suposed to be a 3 year program. That sin't the case. Once you sign up they what you to pay it off as soon as you can, even if that means borrowing money from family.If that was avaible why we would have joined?

They tell you not to pay your bills that they would contact the creditors and let them know you were in this program to get out of debt. aacording to our creditors they were never contacted until we hammered CS to settle. We even tried to get out of Cs but were denied. Even though they have a money back gaurentee. We kept getting promised that they would take of things and not to worry.

However we got harrassed by our credotrs for not paying, they called, sent threatening letters, even came to the house. When we overpayed (CS) them they refused to re-imburesed money owed back to use. States they don't do things like that. they are horrible!

We are more in debt than what we were prior to program. It has caused us great emotional/mental stress.

I too, was a client of Credit Solutions of America. I too, paid them a large sum of money to work on my behalf to settle my debts. I too, had to deal with a new person each time I called them and had great difficulty getting responses to e-mails and phone calls. I finally had to borrow money from another source to settle all of my debts, through Credit Solutions. They guaranteed my that they would send the settlement letters for each account so I would have proof that all were settled. I have not received any settlement letters from them. That has been over 3 years ago.

Last October, I received a letter from a debt collection agency claiming that I still owed a company money. I called Credit Solutions. After numerous phone calls and explaining my situation to numerous people, I was finally told that my information was in the archives and would have to be researched. Months later, when I was finally able to speak to someone, I got the same story. This person was able to tell me the date of my payment and the amount I paid to settle the account in question. I once again, asked for the paperwork to be sent to me. I never received it. I called back again, a month or so later, told them how angry I was and told them I would report them to the Better Business Bureau. They have never returned my calls or e-mails since then.

Last month, I began receiving phone calls again from a new debt collector for this same account. The balance has now grown higher. I still have not gotten what I need from Credit Solutions to prove that I have settled the account. The money I paid them is gone. I cannot do anything about it. All I want are the settlement letters and proof of payments they have on file for me so I can prove to these collectors that my debts have been settled.

Because of Credit Solution's misrepresentation of their abilities, I have been sued, taken to court, had my wages garnished and had a lien placed on my home. I have had my debts settled for over 3 years now and thought I was rebuilding my credit. Imagine my surprise and disappointment in finding that I am still being hounded by creditors for an account I believe to be settled. Something needs to be done so that Credit Solutions cannot keep doing this to others.

The money I paid them is gone. I cannot do anything about it.

When I tried to cancel, I was told I only had a few months left in the program and I might as well stay so that my creditor don't come after me. After a few months went by, they continued to take payments out. Now I've now paid them over $2000.

This has caused me much anguish and stress. Countless hours spent on the phone, either trying to find out how the program really works and/or trying to cancel. Now bank fees due to them telling me they would put my account on hold due to me being out of work on a medical leave and then NOT putting it on hold as they said they would. Plus over $2000 given to them in which I would have never joined the program if they would have told me up front how it really works.

None of my 3 credit cards were touched since i signed up for their services. so where did the 100 dollars a month since nov 06 go? I called the company to ask them why my credit score is going down and not up, their responds was that I was to pay a fee for there services and on the side save money on my own to pay off the credit card companies. Then why did I need them? I could have saved that $100 a month and used it towards my own payments. I would have not have signed up for this service had this been explained to me in the beginning. I was looking for a way out not a bigger hole.

Now my husband and got a large dark cloud over our dreams of owning our own home. My credit score is lower than I would ever dreamed it to be. I am not perfect but I would have never signed up for their services had i known the out come.

On Dec. 31, 2007, I signed a Limited Power of Attorney with CSA-Credit Solutions of America, Inc. to proactively intercede and to intervene and/or negotiate , mediate, or arbitrate the settlement of any and all of my creditor claims, suits, liens, judgments and/or disputes. I was told that within 7 days, CSA would contact the two credit card companies I had given them- Wells Fargo and Chase.

I was told that they would contact these companies and let them know that I was working with CSA. I was told not to speak with the credit card comapnies when they called but to let CSA handle it. I received dozens of phone calls from these credit card comapnies every day- I was harrassed constantly by them. Finally I called CSA and asked why I was getting these calles when I was paying them to handle them. They gave me the State Attorney General's website to file a complaint and to ask them to Cease and Desist.

Supposedly CSA had contacted both companies but I continued to be charged interest and received continued bills and notices from Chase and Wells Fargo. Every time I called to ask why they were still charging me interest and what CSA was doing to arrange a payoff, I got no answer. They said, call us when you have the money to pay them. CSA told me I should be faxing copies of anything I got in the mail from either company to them. I did this but never received any contact from CSA acknowledging the receipt of those.

Every time I called, I spoke with a different person. No one knew my situation. When I asked if I could take a half-day off and come meet with them, they told me they did not have in-person appointments. Then I got emails saying that a settlement had been arranged and to look at my online account. By the time I got home from work and got the email and called the person, of course they were gone for the day and I had to talk with somebody else, another new person.

The settlement were very time limited , the amounts were a large lump sum like $10k or $12k and I had a week to take advantage of the offer.I got one guy's name in settlement named Kevin at extension #19823 and told him that these were not a solution for me. Yes the reduced payoff amount was good but there was no way I could get that large a sum of money in that timeframe (I'm a public school teacher. I explained my situation to him and asked him to go back to the credit card company and explain that I needed a smaller payoff amount and a longer time frame for multiple payments. ThHe told me they wouldn't do it.

By now both accounts have gone into collection status, my credit report says Serious Delinquency and no one will lend me a penny.When I received a legal document from a collection agency, Mann Bracken, saying that I had a month to payoff 75% of the account balance or go into Arbitration I called CSA and spoke to someone in their Arbitration Dept. He directed me to www. arb_forum.com to fill out a Respondent's Form. He wished me good luck. Basically I was on my own even though I'd paid them over $3,000 to handle this form me.

My husband signed up with credit solutions, to cut one of our credit cards debt to 50% of what we owe. He was told that the first 3 installments were for their fees and if at any time he wanted to cancel the account we would be refunded the full amount that was taken out of the account for their fees. He was advised to close the checking where the credit card was affiliated with. And we were to open up another account and have the funds taken from the new account.

None of what they told my husband was true. The Rep who opened the account for him was supposedly no longer working for them any longer, and some other person had taken over his extension and title. We were starting to get the run around we now smelled a rat. So we closed the account they were taking the money from. But now we are so behind on the payment four months and $1,500 later.

They were taking $230.00 from the account so they got us for $1,020.00 and they refuse to give us a refund. We need to start a consumer class suit against them. They should be forced to refund all the money plus interest and late fees that the credit card companies are charging us.

It has caused us to file bankruptcy and we are now six months behind on our credit card payment. Our credit is so damaged now. We can't get another offer on credit to help us out of this mess. This company should no longer be in business to rip consumers off.

yes i was mess lead with credit solutions. they said they would take care of every thing to get me back on track with my credit cards. and yes i thought my mounthly payment was going to my credit card companys but no they lied to , becouse one day i went to get money out of my checking account but a credit card company garnished my money and they my pay check t o and i had to go to court for it . i had more bounced checks all over town becouse i was un aware that a card company would do this if credit solutins was working for me to settle this matter.

i tried to cancell my account with them and they gave me the run around day after day on the phone for hours, pushed to another person and a another one i was getting no wear. and i want a refund to but i dont think i will ever get that they got 1400 dallors of mine and i cant do any thing about i would love to go to court against them and get money back if there is any help out there i would love to hear about it .

my credit scour will neaver come back up again i am out more money then i started. it has made me just sick .

I signed up for a debt settlement service using Credit Solutions. I made three payments of $102 and 12 payments of $67 on the promise that they would settle credit card debt I had with various companies. They did not settle any claims, in fact my situation got worse as these companies began to sue me and eventually put a lien on my bank account. Credit Solutions specifically told me not to talk to debt collectors that they would discuss a settlement on my behalf. Every time I called them asking for an update I was told to check my online account.

After more than a year, nothing appeared on my online account and nothing happened through the phone either. When I finally tried to cancel my account with them, they lectured me, patronized me and insulted me. They put me on hold for more than a half hour and then finally canceled my account. They never told me that the first 13 payments were service fee payments and they never once sent me any information through the mail. It became increasingly more difficult to talk to them the longer I was on the program. Not only did my situation get worse while working with Credit Solutions, I lost money that I could have been using to settle accounts.

I canceled the account. A lien was put against my bank account. Paid over $1,000 in Service fees.

I joined Credit Solutions and was told that my first 3 payments were their fees and I was lead to believe that after that a portion of my monthly payments went into an account for me so that they could pay my creditors. After paying tham monthly for almost a year I found out that the payments I had been making were totaly for their fees only and that none of was going to an account for my creditors. Iplaced many phone calls and e-mails to them that went un-returned until I wrote to them that I had closed tha account that their payments were coming from.

They canceled my account after they tried to pressure me to stay with them. They did nothing for me during the time I was paying them. they said they would be in contact with my creditors and get settlement offers. The only settlement offers I got were from letters that I had faxed to them from a creditor. Creditors continued to call me and send me letters even though they said that this would stop. I am now filing bankruptcy and Have one creditor suing me. They refused my request for any kind of refund. It would help me a lot to just get back the money I paid them.

Debts to my creditors have increased. I have one creditor suing me and I am in the process of filing bankruptcy, which I had wanted to avoid. My financial situation will be very poor for years. It will be very hard for me to pay my bills every month for 5 or 6 years because I will have to file chapter 13. This would not have happened if I had not followed their advise.

I turned my credit cards over to them for debt consolidation, with the belief that a minimum payment would be made to my creditors every month, and needless to say, that hasn't happened. So in turn my debt has almost doubled. All I want is for my account to cancelled and a refund of at least some of my money and for this not to happen to someone else that thinks they're doing the right thing.

I have now been put in the situation of having to file bankruptcy because the accounts they have total more than my year salary. I have no way out but bankruptcy!

back in 06 we joined Credit Solutions, we were told that they would reduce our debt and our credit would not be harmed but rather at the end of the program would be better! They also said creditors do not sue! We were sued four times! I complained to the BBB, credit solutions gave us a refund and assigned our accounts to one representative to help us,

that went on for 1 month, than his number was no longer in use and his e-mail doesn't work, we could not get a hold of this representative! When I asked if we cold continue to work with him they said he was no longer working in that department! Now our debts are ten times larger than they were and we get no help!

our credit is destroyed and we cannot refinance our home, we have three different debt collectors all belonging to the same company trying to get money from the same debt it has destroyed any chance of cleaning up our credit report and we still have several outstanding outrageous debts to pay off, we have wound up paying twice as much as we originally owed,

when we call credit solutions we are put on hold and left there, they have ruined our lives and deleted our sav ings and destroyed our once stellar credit! Before signing with them our credit scores were in the upper 700's now there down below 500! and everyday we continue to get harrassing calls from creditors, threatening lawsuits, we are trying to get funds together to pay this off before we get sued again!

My husband and I enrolled in a program call Credit Solutions. We were current on all of all Credit card bills. We did struggle keeping all of our accounts current but we ALWAYS managed to do so by working a little extra hard and doing what ever we could to make our payments. We "HAD" EXCELLENT credit. We saw an advertisement for Credit Solutions on NBC and it sounded like a REALLY good program for us. It was a program to ease the stress of paying all the creditors the min. monthly payment and also get the creditors paid off quickly.

Unfortunately, we had seen nothing but negative results from the company. We are now farther and deeper into debt. We get threatening calls daily and letters from attorneys and debt collectors daily stating that they are going to sue us. This is VERY scary for us. Not only is it scary but It really makes you feel like a good for nothing loser! This company tells you to start your own personal savings account. In my case, I am suppose to put 577.00 into my account monthly but the 2nd of each month. The first three months they take a fee out of 488.00 and the following 17 months they are taking a monthly fee of 234.00. I have paid 1935.95 in fees to the company. whenever you feel you have enough money in your account to make a settlement offer, you are to contact Credit Solutions.

They will contact the creditor and try to get them t settle. They tell you to ignore all calls from creditors and use caller Id to help identify the calls so you can avoid answering their calls. If you accidently pick up you are to tell the creditor to call a specific 800 number and talk to Credit Solutions because they are now handeling your account. The creditors tell you over and over that they are not going to deal with credit solutions. You tell the credit that you are not to even talk to them and hang up on them as soon as you give them the 800 number. Credit Solutions says "You are not required by law to talk to any creditor" and there is absolutely nothing they can do to you.

I called credit solutions and told them These calls made me really uncomfortable and I told them the things the creditors was saying to me. Credit Solutions told me not to worry and continue doing as they say. CS tells me it is all just scare tatics to try to get you to pay them without going through cs.

At one point I wanted to add a creditor to my program. It was a credit card hat I owed 600.00 on. Credit Solutions said it has to be at least 700.oo to qualify for their program. They suggest that I charge more to get it to 700.00. Stupidly I did so. CS sent me an addendum request form to fill out and requested I fax it back to them with all the new creditors information on it so they can add the creditot to my program. I did just that. I called and talked to a representative to make sure everything was in place. They said it was added and they sent me a conformation via email.

I kept getting calls from this credito. They told me over and over agin that they have heard nothing from CS. I kept telling them I enrolled my account with them and gave them the 800 number to call. They insisted that they were never contacted by CS. I called CS to make sure again that the card was added. CS said yes it was added and that this was just another creditor "scare Tatic" Ok I am trusted this creidt solution company, besides they are working for me and I am paying them so I should beable to trust them, right? WRONG!

A few weeks later I call CS to see if they will call and make a settlement off with this creditor that I recently added to the program. They said what creditor? You dont have that creditor enrolled with our program!!!! They said they could enroll this creditor and It would make my monthly fee like 50 higher. I said what are you talking about? I told them the whole story and I even got the email confirmation to show them!! They apologized several times and told me that would take care of it right away. They said to make it up to me they would go ahead and add this creidtor at not extra fees! Like they were helping me out;/ Ok I kept calm and thought to myself everyone amkes mistatkes, right and gave them another chance.

A few weeks later I got an email with some guys inromation on it. This guy was added an account to his prgram so it had his name, address, phone number and all his info on it. It had a revised worksheet with his advised balance and payment information. I called CS and asked what this was and if it was attended for someone else(which of coarse it was) They again aplogized several times and told me to disregard it. I told them I really hope no one is receiveing my personal information. And they said oh no not to worry.

This month I received a letter from an attorneys office stating that they were going to sure me if If I didnt pay asap. It was a scary letter. I called CS and faxed them the letter. CS said this letter is simply saying that if we dont do something they could freeze all my assts and bank accounts. CS called the creditor to see if they could work out some kind of settlement plan with me. After waiting on the other line for 10 and calling back once the CS rep told we that the credito was very hard to work with and he wouldnt budge. He told me to write a hardship letter to the company. He said I need to tell them that I am seperated from my husband with children, I recently got my job back and I have to pay all the bills with no help. He said put all my leisure bills like cell phone on with regular phone and cable on with a nother bill. He said list everything I have to pay and make it sound as bad a possible! (the only true thing about this story is the part that I have children) I sat there when he was telling me this all and I thought to myself....that just is not right!

I cant write a letter to someone and lie like that. There are people in the world in that situation and I am not about to lie and say I am one of them. Besides if this guy wants me to tell a story like that, how much is Credit Solutions lieing to me? I want to deal with someone I can trust as I want the people I am dealing with to beable to trust me. I told the rep I was not comfortable with that and I would get back to him. I got off the phone and said That is enough I am done with this company. It is nothing but lies and scams!

I called the next day and told them I wanted to cancel my enrollment. I told them the story and the guy I was talking to apologized several times. He sai is there anything they can do to keep me as a client. He said because as of right now you are "Gold" to our company and they will do anyting to keep me. I said you know, no there is nothing you can do that would ever change my mind. I contacted them later and asked for a refund of the 2000.00 that I allready paid but they just keep telling me they will get back to me. So I am still waiting. I really doubt they will refund me anything.

Now my husband and I are talking to a bankruptcy attorney. WE REALLY DO NOT want to do this, but all our creditor have been turned over to collection agencies and they all want really big payments. We cant just go back to paying your monthy payments like we were doing before we joined CS. WE have no Idea what else to do. We were about 36000 in debt now we are about 45000. I am trying to get a job and I called back for a second interview. I would really like to work for this company but they do creidt checks. I know there is no way they are going to want someone like me working for them when they see this all on my credit background search! I look like a real loser!

If I would of continued paying my monthly creditor bills I would still have a GREAT credit report but now I feel like there is nothing we can do. I think we are pretty much screwed! This program has done nothing but got us deeper into dept. It is going to cost me a job because it ruined my credit. All my husband and I do is argue because he thinks we need to file chapter 7 and I do not want to do that! Credit Solutions has pretty much ruined our lives! Please help!

I called Credit Soulutions and they suckered me into thinking using them was the best soultion to filing BK. About a week later I realized I could not even pay them it was pay them or have gas and food. It also did not make sense as my credit would still be ruined! I called back and spoke to Kenneth about 5 days before the first draft he said he could not stop it but would cancel me. I relaized I lost the first payment.

Just today I called back and asked why nobody has responded to my 6 emails about a cancelation letter I did not feel comfortable since all my bank info was still on the website. I spoke to Camille for about 30 minutes who demanded that me not wanting to use them anymore was not a good enough reason to cancel. Meanwhile Kenneth had already allegedly cancelled it. She lectued me about bankruptcy and was practically demanding I use them. Finally I got a lil nasty and she said fine ill email you the letter and hung up. I got an email but Im a lil leary the cancelled it. They are very rude and mean and unprofessional. I am so mad.

I would like to join the class action law suit against credit solutions. they took my money and then basically aren't doing anything for me and they wont refund my money. My account is not able to be settled with american express because I made balance transfers which is what was recommended by credit solutions and now my debt is larger then it was before and I have creditors threatening me.

So now I have lost the 2400 I gave credit solutions and I have tons more debt then when I started. I am trying to get my money back but somehow I doubt they will send me the money. please help!

Now I am in more debt because my cards incurred more late fees and some of them are at Charge Offs! I complained to Credit Solutions and next thing you know I get a settlement 3 weeks later for what I originally owed! I could of done that in the first place but thought Credit Solutions new what they were doing.

4 of my credit cards that had balances of $2000 are now increased to $4000 that is double what I owed in the first place. I paid credit solutions $1022.40 for NOTHING!!! My credit is awful I dare not look and I now have a charge offs, collections and warnings on my credit report. They made things worse for me. Now I have to start from zero. I have more debt and I am so stressed that it is affecting my health.

I signed up with Credit Solutions in June of 2007 with the estimate of settling my debt for about 60% of what I owed. They urge you to completely quit paying your bills because that's the only way the creditors will offer settlement. I have settled 4 of my 6 accounts but am not going to be able to settle all of them anywhere near the estimated amount. The customer service is awful and I have numerous correspondence reflecting the lack of cooperation by them.

I have awful credit and am not able to settle the last two accounts, because they way under estimated the amount I would have to pay.

When I signed on to credit solutions I explained to them that I was having financial difficulties due to two surgeries in 6 months, and the company that I was working for went out of business. I'm a single parent and have only one income. I was having trouble meeting my minimum payments and 3 of my credit cards raised my interest rates because "my debt to income ratio was too high." So even though I was never late or over limit, they slammed me with 18.99-21.99% rates instead of the 3.9 or so rates I had. I was overwhelmed and there was no way I could do this. I didn't want to destroy my credit. Credit Solutions said they could work with my creditors, cut my debt in half, stop the interest, any late fees, no harassing phone calls and I could be debt free in 3-4 years.

Sounded great, so I signed up. I was told I needed to save 500-600$ a month. The first three months they took out 534.15 a month. I got letter after letter from my creditors demanding payment. The calls were endless. They started at 8:01 in the am and went thru the day until 9pm. Every time I reached out to credit solutions I got a form letter response that they have the right to try to contact me but don't answer the phone. After 3 months they started taking 256.67 a month. I received one offer. The company wanted me to pay 4500 in a 3 month time span.

I told credit solutions this was impossible. How could I possible pay this? They said don't worry, just decline the offer. A few days later I received a summons as well as 2 others. They did nothing that they claimed they would do. All they accomplished was to destroy my credit and take my money. I truly would appreciate any help that you can give me to recoup some, if not all this money. I'm in financial ruin and now have to file for bankruptcy. So essentially I'm in worse shape and out 2115k. I have contacted the atty general in NY

i enrolled 3 accounts with them for debt help over a year ago. since then i have paid them $970.00 for their service fee and have had to do most of the work myself. the 1st account that was settled i had to practically twist their arm to do and make repeated calls to them to have it happen. the 2nd account i enrolled at $3831.00, it is now over $5000.00 and i have been summoned to appear in court to have a judgement lien on me.

i talked to Credit Solutions and i was told they were sorry they did not follow through with my account and that was it! i now need to come up with $1000.00 by the end of this month (august) and pay monthly payments to my creditor or else be taken to court. the time frame of payments was not set due to they are still adding up my fees. so i went to credit solutions becuase i was not able to pay my creditors and now i owe them even more due to credit solutions.

i am going to try to borrow money now to pay off my bigger debt accured due to credit solutions and i need to try to settle my last account myself. i am out my $970.00 that i paid credit solutions for apparently messing up my credit even more.

To date I have paid CSA $4,138.08. Therefore, I am due a refund of $2,386.83 (4138.08 - 1751.25 = 2,386.83). As noted on page 5 of our contract. "If COMPANY is unable to settle an enrolled account, COMPANY will refund to CLIENT, an amount equal to 15% of that particular account balance at initial enrollment." I have made several attempts to resolve this matter with your customer service department and I have not received my refund to date. I have also made 2 written requests for a full refund. CSA refuses to issue me a full refund and will not provide explanation of why they will not issue me a full refund.

Credit Solutions promised they would help solve all my problems. I had recently lost my job at the time (2006) and they convinced me that i didn't need to file bankruptcy and that i should pay them to help me on my case. I paid nearly $6000 to have them assist me in resolving my debt matters. The end result turned out to be that they were unable to negotiate any settlement rates and my fees somehow tripled due to interest, late fees, legal fees. What turned out to be something that i could have worked out with my creditors at the time, turned into a nightmare.

It's to the point where the last consulting conversation i had with the company, They recommended i seek bankruptcy. After that, i have made several attempts to get a refund to no avail. They give nothing but the run around. I had been put in an even worse situation by using this organization. The economic damage i felt was exponential. They have ruined me financially and i had to seek bankruptcy and credit counseling due to the theft.

I entered into agreement with Credit Solutions to help with my debt. I was sold on a service over 48 months to help settle my outstanding debt that resulted from issues with my mortgage and financial distress. I was also told that my payments would consis of $248/month of which the full amount was payable to Credit Solutions for their services and beginning the 4th month, half was payable to Credit Solutions and the rest I should put in an account to accumlate so that when it was time to settle some of my deblt, I would have money to do so. I was also told that there was a 1% chance that any debt would ever go to litigation and that the longer a debt aged, the better settlement I would get.

I was told that my creditors were advised that Credit Solutions had power of attorney (which I did sign) for them to represent me regarding any collection issues. Four months into the program, I began receiving attorney letters from several of my creditors. I faxed copies of these letters to Credit Solutions, but never heard from them unless I called directly. At one point, I did receive a call from a "settlements representative" that asked if I had funds available to settle one of my credit card debts. The original debt was $4800 and the settlement offer was approx. $2560. I told the settlements person that if I truly had that much money available, why would I hire them to help me settle my debt?

Fortunately I had the funds due to the fact that I had been saving money for the costs associated with my mortgage loan modification, and therefore was able to settle the debt. When it came the day to settle, I had approximately 8 people calling me for my bank information in order to pay the creditor. I was very upset and angry and thought I had escalated through their company to make my complaint to them. I was told that everything was taken care of and that fortunately I had not lost the opportunity to settle. My concern was that the originaly person had my bank information and why were so many others from the same department calling me asking for the same information?

I continued to receive additional letters from lawyers on other debts in my plan. I faxed the letters and called to ensure that there was something being done on my behalf to preclude this particular debt from going to court. I was assured that they had made contact with the lawyers and that they did not have intention to sue at that time. I was advised by Credit Solutions that they would stay in contact with the lawyer's office and keep me informed. The following day I was served with court papers (June 25, 2008). I immediately called Credit Solutions and they told me that they would call and make arrangements to settle the account. I never got a call so I had to call again a few days later. I spoke to another settlements person who asked me the same thing the other person had asked - if I had funds to settle. I went through my whole argument about having money and if I did why would I use them, etc.

I told them that I wanted to cancel my contract and that most likely I was going to file Chapter 13. They offered to hand-hold my account. They have been calling, but to date the account has not been settled. On July 18, 2008 I entered into Chapter 13 with an attorney in my area. I will be contacting Credit Solutions to cancel their services tomorrow July 20th. I am seeking all my money back due to their lack of detail, due to their lack of not caring about my situation, for the lack of not meeting every expectation they told me about when I initially signed with them. They were very proactive to question when one payment was not received, but when it came to my case and my creditors, if I did not call, I would not hear from them.

I am seeking reimbursement for what I have paid Credit Solutions so far. I feel that they have not had my best interested in mind. I sent them every letter/statement received and never did they call just to check in and provide status. The only way I would obtain status is if I called. At one point I had another settlements person email me telling me she had a great offer and that I should take it. It was for a debt in the amount of $14,000. The creditor was willing to settle in the amount of approx. $8700 in a lump sum or over 10 months with payments of $870! I told her that I had been in their program for approximately 5 months and had only $360 saved in the account I was asked to set up and where did she think I could come up with that large amount of money or come up with that amount over the next 10 months! They completely misrepresent what they are capable of doing and will only do what they can when pressured to do so. The people that I have talked to and told me they would get back to me never had done so.

Only over the past couple of weeks when I threatened to cancel them have they been attentive and helpful, but again asking for funds up front to settle debts. I can't imagine being in this program 48 months and creditors waiting that long, nor over 48 months at $123/mo having thousands of dollars to settle these accounts!! I don't know why they would put one on a payment plan that they the amount put into savings will not cover the amounts they are negotiating settlements on! They have falsified what they can do. In my case, my payment of $252 would never have covered their costs, the debt I did settle on plus the $8700 debt that they wanted to settle. It would take a large amount of money to settle period! I am seeking all my money back as they have decieved me with their services.

I enrolled 10/2007 and they have done nothing to help me. All they have done is ruin my credit. I contintue to receive harrassing phone calls from the companies they were to be handling. One company had proposed a settlement and when I inquired with CSA to find ot if the company would allow me to make monthly installment they NEVER responded resulting in the company to deny the settlement. They have taken over $1,500 from and not one company has been paid this has soley been for them.

I am in a financial mess and my credit has been ruined because of them.

I joined Credit Solutions in 2006 for debt relief after a divorce. Since that time they have not settled any accounts, have taken over $2300 from me, told me NOT to appear in court after I received a summons. Because of that, a judgment was passed against me and my bank account was levied for twice the amount I owed. This happened on Dec 6, 2007. Since that time I have been getting the runaround, redirected, no solutions, no return calls after being told they would get back to me.

It is April 30, 2008 and my bank account is still frozen and they are doing nothing to help me. It is their fault and I demanded a refund. They keep giving me the runaround, put me on hold forever, say someone will get back to me and they never give me any answers.

My credit has been tarnished. I lost my bank account and all the money in it. It is still frozen. They took over $2300 in service fees from me.

I called Credit solutions hoping that they would help me consolidate my credit cards without affecting me at all. The person I spoke with, told me that I can consolidate all of my accounts and make just one low payment a month. So I did it. One of my creditors call me last night and told me that if I don't make a payment now they're going to repossess my filter system. I talked to one of the representatives of Credit Solutions this morning and I told him my problem, he told me that the person who open my account with Credit Solutions was not supposed to accept the accounts that might had items that could be repossessed, he also told me that there's nothing they can do about.

Now I'm behind two months on two of my accounts, and the money that I had to buy food for the month, I have to use it to pay the late charges and the two months that I'm behind. I might be reported it to a collection agency. In my house I'm the only one who has a good credit. My husband and I are having a lot of problems (fights) because of this

By JD Power Assoc & CNBC recommendation, I went with Credit Solutions. I was skeptical in the beginning but my mistake went through with the process. After doing more research and having 3 months of fees taking out and no contact with my creditors, I called to cancel. One rep takes down my reasons and explains that I have to wait for a counselor to handle the cancelation. After waiting 5 minutes on the phone, the same rep says that they are experiencing high call volumes, try back another time. It has happened twice already

I am currently at a loss of over $900 for services that were never performed or attempted

Like so many people I was caught in a financial cunch. I owed on 3 Credit cards;1. Visa=$1000 limit, 2.Providian+$3000 limit, 3. Sony=$7000limit.

I paid off on Nos1&2 cards just as I applied for debt assistance in repayment as I was trying to fullfil obligation. Therefore,I had only #3 card to take care of,well, after C-Solns help, Not only was I paying them,but my debt rose by about 50%, C-Soln had collected hundreds from me and I had no proof as to what was happening to my account.

Their web site could not give me any proper info.,and on two occusation after reaching their office after 2-6 hrs, yes it took me 6 hrs to get to their office, their phone receptionist hung up on my call after getting my info and never called me back.

They charge a very high monthly fee for their nonexistent service. They don't pay your creditors anything. They don't stop harassing phone calls from your creditors. The only useful thing you get is a debt solutions kit with forms in it that you fill out and submit yourself to your creditors. This is somewhat useful, but it is nowhere near what you think you are getting when you agree to this.

They taok what little money I have left and they are doing nothing to help me. With the money they cheated me out of, I could have at least paid off a few of my smaller creditors. I stopped their automatic draft on my checking account and I refuse to pay any more for this useless service

We joined Credit Solutions to help us get out of debt. We did everything they told us to do, including not paying our monthly payments to our creditors but instead started paying them! We have given them $5,ooo.oo and they have done nothing and we are now being sued! When I asked why they never followed up on this credito,r their response was, "We don't know why." We have now ruined our credit and are in the process of going to court for this lawsuit. Our lives have been ruined because of this company and they won't give us our money back! We are going to have to file for Bankruptcy!

We are out $5ooo.oo, our credit is ruined and we are fighting a law suit. This has destroyed our family and we could lose everything because we believed these people.

I have been calling and emailing with Credit Solutions representatives and have been left hanging on the status of my account. I was wondering please if someone could call me or email me back a status of my account. My bank accounts have been frozen, money has been seized by a creditor that was in the care of Credit Solutions, also there are liens and judgements against my name and house.

I spoke with the Better Business Bureau and action has been taken. I would like all my issues rectified and the money I have paid Credit Solutions since I have been a member refunded to me. I am completely unhappy and dissatisfied with the service provided to me. This is a huge mess and I need immediate answers. I am at a complete stand still because of Credit Solutions.

I signed up with Credit Solutions 9/1/06, with a Steven Newman (credit specialist). I signed Power of Attorney so they would speak to all creditors on my behalf. They advised me to stop payments, screen phone calls, send all paperwork I receive in the mail to them via fax. I gave them $323 per month for the first 3 months. Then half that for the remaining 14 months, saving the other half in an account. That was set aside to then be used to pay off creditors as they settled for me.

I am now, one year later, with a frozen bank account, and threats from creditors to garnish my wages. I have been told by creditors that I began contacting myself, that no one from this company contacted them to settle. I was given false. damaging advice from Credit Solutions in several matters.

My credit is ruined. I have risked having wages garnished, and risk having a lien on land we dream of building a home on. We are at a very difficult financial situation today, and have two small children, and are stressed. I have hired a lawyer to assist us with this situation.

Now, here we are , two years later and only one of the ten accounts they promised to settle has been paid. In fact, the only ones who have really been paid is Credit Solutions themselves. They no longer will answer my phone calls and i have left dozens of messages with no response. At this point, I have been sued by most of my creditors, and am having my bank accounts garnished on a regular basis which is sending me into bankruptcy. Credit Solutions has not had any contact with me in months (except to take their payment out of my account) and I can't even get anyone to speak with me to close my account with them. They have not settled any more of my debt and at this point, I am out of options. What I really want is to tell others...Do NOT trust them...they will not do what they promise and I am in a much worse situation now than I was when I signed up with them two years ago. All I wanted was help and they basically scammed me out of fifteen thousand dollars that I didn't have to give them...I could have been in less debt just by sending that to my creditors. And have had a chance of a financial future that is now in shreds.

This time I relied on my instinct instead of their advice and contacted the attorny. I settled the account myself and the only thing credit solutions did was congratulate me. A few months later, same scenerio with the other card. I contacted credit solutions and they did refund the money I had paid them, but because of my involvement with them my credit is ruined. I feel they misrepresented themselves by telling me they were handling everything when in fact I could have just not paid the bill and got the same results. They wasted a year of my life and a lifetime of previous excellent credit. I don't expect any monetary results from this I only want others to be made aware they will in fact hurt not help your credit.

Their irresponsible action causing our credit score damaged totally ( we're always paid the cards on time, but then they told us to stop and collect the money), now we have to face double credit card payment and creditor keep calling us. We tried to tell them stop charging our bank account, and now they spamming our phone to come back and using their service still.