I too have been ripped off by Gibson Trust. My story is long and horrible. I have never paid any of my bills late, and had a perfect credit report before dealing with Gibson Trust.
One day two years ago I decided to consolidate my debt. I decided to research this on the Internet. Almost every search Gibson Trust came up. They were the most punctual in answering my phone calls and questions.
I asked all kinds of questions, escpecially the one "will this affect my credit report", and the answer was asbolutely not.
I was told to ingnore my creditors until I was on the program, and then the creditirs would rectify the situation. This did not happen, in fact they ruined my credit report. This November they claimed to not have gotten my money, canceled me out of the program, and did not notify me, and I in the mean time have already sent them Decembers money!
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