This company is a lying, manipulating, joke! They leave out all the horrible details of what they are offering and how it really can effect you. Like settlements that you make with your creditor, any remaining balance not paid has to be claimed as earned income on your taxes!!! Might as well just pay the whole balance. That this process is a lot like bankruptcy and you can be hit with lawsuits form your creditors and they do nothing to help you! So why are you paying that retainer for the first 6 months? Oh yea to negotiate on your behalf to your creditors on a settlement amount. You can do this yourself without making that nice monthly payment to this company.
Now what happen to me was that I was sold on this company during a very venerable time. They felled to inform me on a couple of key things when they were manipulating the info on their services. I was told not to have any communication with my creditors. I have no obligation to talk to them and inform them on my intentions. So thats what I do. I get a couple of letters form lawyers that are claiming that they now have my debt... I fax this letter to Consumer Law Associates, like I was told. Nothing! I finally get a email 6 months later with a toolbox to be able to use to stay "connected" with my services. I go on and I am looking at this agreement I electronically signed with them to find that I can be sued and there is nothing they with do unless I want to pay MORE money... Now obviously I am in a financial mess... I can not afford to be sued and pay even more to this company in fees and not toward the debt that I am trying to pay off. I look further to see that I have only saved a total of like something around $50 toward paying my debt when my payments total in something close to $3000.00. Now I am mad and am starting see the reality of this company.
I call Consumer Law Associates to speak with some one. I will also mention that everyone has been overly nice and comforting up until this point that is. I wait like 20 minutes to speak with a live person. Once I do she is nice to began with but that quickly changes. I explain to her that I want to cancel my services with them. She ask me why and I simply said that I am going to go about handling my debt in a different manner. She explains to me that I need to give written notice and explains to me how to go about doing this. I ask how the refund process takes place and thats when she keeps repeating the same words..."you must make written notice and include that you would like a refund" that is all! Now they had no problem explaining how they would take my money but can explain how they may refund it? What in the world?!? I ask to speak to a superviser... Everyone is out to lunch... Yea right! I asked to speak with someone in the financial department but was told they would get to me within 60 to 90 days. WOW! I just can't believe that what they are doing in legal.
I am now backed against a wall. I don't know what to do or where to go from here. I have to wait 60 to 90 days to probably only be refunded $50 on the almost $3000 I have paid this company. And I am still up to my head in debt and our economy is not getting any better.
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