Milty
Shelburne Falls,#2Consumer Comment
Thu, October 14, 2010
Very Interesting to hear this! I have just requested a full refund from this company citing many of the same issues. They are violating page 6 section 5 of the contract that they have you sign which states "will keep CLIENT reasonably informed of progress in the pursuit of this agreement's objectives" They in fact do not keep you informed! After several conversations with them they stated they cannot contact original creditors, this is not disclosed in writing or on the phone, it is not until you sign up that you are informed of this! They violate any agreement when they promise a service that they know they cannot provide! They ask for letters from the cerditors saying they will work to reach an agreement when in fact they must first let it go to a thirxd party agency before they can work on it! Your credit gets worse and worse in the mean time! I believe that by promising a service they cannot legally provide until it goes to a third party and not disclosing this fact is a violation of LAW ANYWHERE! I intend on calling them on this fact! Is they had disclosed this fact prior then shame on me but because they did not shame on them!!
B. Carney
Keansburg,#3UPDATE Employee
Mon, January 05, 2009
Though some people may not have the best experience with a program like this, it is drastic to say we don't do what we say we will. some people have selective hearing and only hear what they want to hear, but it is always made very clear to any client we sign up that individual results may vary due to variables we can not control. It is also made very clear that if your accounts are current, this may not be the best option for you and your accounts would have to be deemed uncollectible by the original creditor for us to negotiate. this means you would have to go through a collection process with the original creditors calling frequently to try and collect their debt. If you choose to join the program anyway to try and save some time and money that's your perrogative. As far as the complaints with the BBB, anyone can do the research and see that they have all been resolved, 55+ resolved by giving the person a full refund. Over the course of 3-4 yrs. and thousands of clients, you can see how their may be a few rotten apples. We only promise third party collectors will stop calling because they do once they recieve our Power of Attorney Letter. This does not pertain to the original creditors. Another thing is if there's information out there showing you have a strong annual income a creditor might not be so quick to put your accounts in to collections if they see you can still handle their minimum payment. As far as a creditor saying we haven't contacted them or they haven't heard of us, this is only going to be a tactic to get a client back on their side of the fence. Looks like it worked on this lady. The bottom line is that if we didn't do what we say we can, we would never be able to get accredited by the BBB or Tasc, the Association of settlement Companies and we would not have the reputation we have. The other thing is that all clients can see and read a binding agreement that outlines the entire program before you agree to anything. So in conclusion, do your homework and you should be okay. And a question...how could you let someone bully you over a telephone? All you have to do is hang up like all the other people who decide this isn't for them. Don't confuse convincing yourself something can work to your benefit with being bullied.