Dear friends, express consolidation absolutelly scam liars. I open an account don't even know that a scam like that exist. After they consolidated the dedt the interest rate was changed from 19.99% to 17.99% and from 10.5% to 10%, the first payment you will never get back, the check that express consolidation sent to creditor was bounced. It very hard to reach cuostomer service. Nobody will contact you after even thousand requests plus they charge $39.00 fee each month.
So result is:
You still pay your interest rate
extra $39.00 fee
lost your first payment
no customer service what so ever
get late fee because their checks are bounced
lost a lot of time on a phone
your credit points will going down
My advise to every one - STAY AWAY from Express consolidation Know I prepare all documents for the court.
Happy new year to all
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