I too was given all the same upfront promises of being 'debt free' and having 'repaired credit' in just a couple years as opposed to 7-10 years filing bankruptcy. (at this point, should have filed bankruptcy from the beginning).
I was only 18 when I started accruing all of this credit, mainly from dept. Stores. I lost my job and couldn't pay, so what I was I going to do? I moved back home with my parents to save money. Both my parents and I were beside ourselves with the amount of 'harassment' coming from the creditors, we stopped answering the phone all together. One night my mom brought me in the number for AcuShield Financial dba. Debtco., which she had seen on a tv news show (so you figure, reputable) and told me I was to do whatever I had to do to fix my credit issues and stop the phone calls!
I then contacted 'Debtco.' and got all signed up thinking I would be in the clear soon enough. I was given an astronomical amount they wanted upfront and then I could make $200/mo. (half my unemployment check) payments which would include their $39 fees. Thousands of dollars later and nothing has been done on their part, my debts all went to collection and then to law offices, who I am still receiving calls from.
It is impossible to talk to anyone at AcuShield and when you do they always give the same answers: they 'didn't know why my negotiator didn't contact the creditor' and 'would look into it.' Over the span of the last approx. 7 years my 'debt negotiator' changed numerous times and I was never notified.
In turn I looked like a fool calling and asking for someone who no longer existed in their world (if they ever existed at all). Trying to recover the money paid out to them has been a complete dead end, especially since I am just now learning they have moved from San Diego, CA to Las Vegas, NV. AND they are still sending me bills in the mail (return address I believe is a PO Box)!
Please keep me informed to any advancements in a class action lawsuit and such.
Steer clear of this accident waiting to happen! Caution: May cause fatality of your credit = your life!
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