Based on my experiences I would advise anyone to stay away from Express Consolidation, Inc. For help in paying off credit cards.
They hold the first month's payment which is supposed to be refunded when your cards are paid off. After 3 months in which the credit card companies were charging more interest than the payments made, I refinanced our mortgage and included the
credit card debt. The credit card companies were paid off in full.
Express Consolidations refused to refund my first payment because I didn't pay off the companies through them. They wanted $500 more as a payoff amount than paying the companies directly as I did.
Whenever I called they switched me from one person to another. Each told me in a patronizing tone that I hadn't followed the rules and was not entitled to a refund.
I filed a complaint with the Ohio Attorney General's consumer complaint dept. Express Consolidations had a good rating from the BBB so it shows that this is useless.
I did receive a refund through the efforts of the attorney general. Everyone should take advantage of this service as it's your tax dollars at work.
Larry
South Euclid, Ohio
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