In september I contacted Christian Debt consolidation to help me get out of debt. I talked with Joesph a worker for the company at least 10 times. I had pages of questions to ask to ensure that I was helping my future not hurting it. He assured me that that are professionals and that there are no legal ramifications to going through debt settlement counseling. He told me the price it would take to get out of debt and convinced me that after my program was complete I would have a fresh start.
I asked repeatly if there were any legal ramifications to this program and he assumed me that no credit card takes those extreme measure because they would rather get some money then have you file bankruptcy and get nothing.
I started my 1200 dollar a month deduction on October 12. Once you sign your agreement it get transfered to American Debt Foundation something I was never told. I have been getting harrassed by my credit card companies threatening lawsuits with the wage garnishment and leans on my home.
Till this day every credit card company says that they have not been contacted by ADF and assuring me that they do not under any circumstances work with debt settlement programs. 3 of my credit card have already been send to the legal offices.
I called ADF when I saw a few of the reports about there company on this website and began to ask them questions about some of the stories. The woman let me know that yes I could deal with legal ramifications with leans and wage garnishes. She contiued to tell me that due to my high debt on each credit card I was a red flag and had a much higher chance of a credit card company going after me legally. I questioned why I was not told about any of this before I signed up and she had no answer. She also told me that just because I signed up for a term and set payment doesn't mean the credit card companies will agree to each settlement and my payments could be extended and increased. Again something that was told to me.
I asked for my money back for all the deception and of course they said the first 6 months are all their payments and I would not recieve any of my money back.
I went to see a lawyer and the lawyer told me never to get involved with these settlement programs they don't work and all you do is loose alot of money. I lost over 2400 dollars and am in worse shape then before. Stay clear of this place as well as all other settlement programs.
Tracy
Darlington, Pennsylvania
U.S.A.
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