I had a handful of credit cards at the time of signing up for "Christian Debt managment" I was not late on payments had a credit line of 700 but I was starting my own business and knew there were going to be added finances to manage;Therefore, I thought it would be a good idea to consolidate my current credit cards to lower the apr% and create automated lump sum each month to pay off my cards while handling new business finances. I then signed a six page or so contract with CDM which was supposed to be like a 3-5 yr. Payoff of debt automatically of $400 a month until it was all paid off. The initial question I had was after they told me my apr's were lowered, I spoke with my credit card companies and they haven't even recieved any info from CDM. Then apparently they use paper mail to send requests but I was supposedly signed up already. Eventually the card companies received info but for months which turned to years (1-1/2 to 2) the card companies were not receiving correct amounts. Many phone calls I made to the companies trying to understand the mis-handling of my money and CDM kept telling me everything is fine and it just takes time for all monies to get to said companies. I then consulted a lawyer with the issue and the entire contract and there was a clause that they were not liable for ruining credit history or damages... It wasn't until they breached the contract by withdrawing two months straight without my credit cards receiving any payment so I finally cancelled their services. I never consulted a lawyer after the breach because my credit was destroyed I was practically broke and didn't think I could afford a lawyer. I still carry the debt even more than when it started to this day. I do still have some info on them and an e-mail from one of there employees. I would like to recover damages from this so-called relief company
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