United Debt Solutions
Loan Counseling, debt solutions Florida

This company contacted me saying that they could lower our debt by at least 50%. Promising that they could work with Bank of America, Sears, Cit-Bank, and all credit card companies. They said they had a great working relationship with them and that they have settled literally thousands of cases for pennies on the dollar.

All we had to do is send a letter to all our creditors giving UDS power of attorney and they would handle it from there. They needed to take out $300/month directly out of our bank account for their fees and to put the money into an account to offer lump sum amounts to pay off the creditors for us. Was told by the lady that the first 3 months were actually their fees and that after that, all the money would go directly to the creditors.

We signed up and started the process. Sent all the letters to our creditors. This was in late September of 06. They also said to STOP paying the bills because they would work with the creditors and it would all be taken care of. I asked, "Won't they sue us and try to garnish our wages and really screw up our credit"? They responded with, "Sir, we've been doing this for years and we have lawyers on our staff that handle all of this and it will not result in any lawsuits.

Creditors started calling and I gave them the little script they had mailed to us about, "We are working with UDS, please contact them at this number regarding this matter, " and hang up. The creditors finally began to tell me that this company had NEVER even contacted them at all in more than 100 days. Collection services began contacting us. Telling us they dont' work with UDS because they have taken a lot of people's money and never paid a single thing.

We were served with a lawsuit from Bank of America in March. I contacted them asking, "have you not talked to UDS"? Their response, haven't heard a word from them. All we got is your letter saying they had power of attorney. They havne't contacted us ONCE! Well now we are being sued and they won't negotiate without us paying 80% in one lump sum to satisfy the account. I began to contact all our creditors. None of the 12 listed had been contacte by them once. At this point it had been 6 months of them taking our money, like clockwork every month, and doing exactly nothing. I had called and left multiple messages starting in January to only get no call back.

I called an cancelled my services with them on April 1. Telling them they have been fired and that they haven't done a single thing but make things MUCH worse for us. I informed them that they had better not access my account again because their services had been cancelled. April 12, debit for $300. I called an had a fit!

"We haven't received a call from you about cancelling your services sir, " the lady responded to my ranting and raving. I went to my bank and had payment stopped on the money. May 12, they hit my account again. This time for $301. Why $301, a stop payment was issued for $300 for UDS. Any variation it the amount will slide right through! Back to the bank, stop payment, $18 a pop to stop it by the way, and call UDS AGAIN. Apologies all around and telling me now, we need it in writing to actually stop it. Faxed a letter immediately telling them to stop all services and not to access my account. June 12, hit the account again. $312 this time. Same as before, stop payment, etc. This time I contact a lawyer and get a lawyer to send them a letter promising legal action.

Apologies again and a promise that the services will be stopped. July 13. They hit my account twice for $326. Stop payment AGAIN, this one causes overdraft charges becuase house payment check is coming through. Call United Debt back, and they have the guts to say, "we haven't debited your account". Go to my bank, get a print out of it and have to FAX it to them again. Ofcourse they have not returned my phone calls and it's cost me antoher $106 for overdraft and stop payment fees.

ABSOLUTELY DO NOT USE THIS COMPANY. They will cause you nothing but trouble and ruin your credit. Call the card companies yourself and tell them the situation. Most of them will work with you as much as they can. Don't pay these idiots to just literally take your money.

Company: United Debt Solutions
Country: USA
State: Florida
Address: Florida
Phone: 8004992502

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