I received an offer from Emrace Visa, stating that I could transfer my old credit card debt to them for a lower settlement. Once the payments were made, I would receive a credit card to build my credit and my old debt would be considered paid in full. I signed up for the offer and everything seemed fine for a few months. Then I noticed that I wasn't receiving statements. I finally received a letter (4 months after my last statement) saying that I had to pay a certain amount to remain eligible for the offer. That's when I started searching on the web for this company. I am not alone. They take advantage of people that are trying to clean their credit up and want to settle debts in good faith. A total ripoff and dishonest company!!!
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