I have read what others here have writen and sadly I too think it is true. Sadly for me I did not get out early like others. I wish I would have found this page a long long time ago
I have been with them for over a year and have payed them thousands of dollars. I have settled only one of my five accounts at a decent amount. It was settled at about 50%. I settled another but it was nearly 90% and it was only because I pushed them to settle the account for me. I am now starting to pay off another account which they say I am settling for around 60% but it is really about 80% of what I owed when I started at credit solutions. I still have two outstanding accounts and one is large and growing all the time. I had the chance to settle it at 50%, but they wanted it all in one payment and within like a week so I could not do it. Now that account is at 80% in two payments which I cant pay either. The settlement person told me that she knew this would happen and that she said I should have payed it at 50%.
I think they think I have tons of cash hiden in the mattress or something because they call with these "great deals" and think I should be happy to put out 4 months income in one day.
Another issue I have that has been reported here is that you talk to someone different every time and they are all calling you even though you wanted to settle one account and hold off on the one they want to settle. Its not possible to settle them all at once, but they dont understand that. I will probably only settle one account for 50% or less, the rest will be around 80% or higher. They promised at first 40 to 60% but they sure are not coming through. They also said it could be payed off over 4 years, but a little over a year now and Im getting threats to go to court already. I feel lied to and have no ideal how to get out of this.
Someone stated that some states dont allow this kind of operation? Which ones, I hope I live in one so I can sue them. I would love to get my money back that they have not earned.
Also someone here is a former employee of them. Is it true that the major credit cards do not let you settle over longer periods of time, but want it all in a few payments? That is what I get told all the time.
I feel ripped off and would love suggestions from anyone here on how to deal with this (in a legal manor of course). Will the creditors still deal with me after going so long without paying them? Thanks.
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