I am a former employee of the credit exchange. I spoke with the owner Stephen Vanderhoof and he told me that debt settlement is a complete scam. I was shocked when he told me this. 1 week later I was fired and still have not recieved my final check. Consumer's beware!!! Less than 5% of the people who enroll in debt settlement actually finish the program. Most end up getting sued and having their wages garnished. Stay far away from Chris Paskvan-Stephen Vanderhoof and The credit exchange. They will take you for a ride. They also have an f rating with the bbb. They take advantage of consumer's who are already in trouble.
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