I signed up with ADF June because of some financial hardships. Of course their sales rep called me morning, noon and night until I signed a contract after he convinced me the company could help me get out of debt. All I've gotten in the past year are unreturned phone calls, an obscene amount of threatening creditor phone calls and promises of lawsuits and wage garnishments. Now I'm trying to get my money back, "service" fee included so that I can pay a bankruptcy attorney to get me out of this mess. Thanks ADF for royally screwing me and taking my money. I have filed a formal complaint with the MD Attorney General to do something to keep these assholes from signing any more clients. All they've done is take my hard earned money and make my life a living hell. Trust me, if anyone out there is thinking of joining a debt settlement company, please think again. They're all the same and they should all be put out of business. I'm still waiting for a call back from them about the status of my refund...
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