I just want to say that this consolidation company is a complete RIP OFF. Not only were they late in making my payments I didn't realize when I signed on with them it was just as though I had filed bankrupcy. I consolidated two major credit cards that I had used to get through college. After signing on with them I tried numerous times to get them to respond to my phone calls and e-mails. Since that time I have paid off both creditors without going through Gibson... I can live with not having my initial $643.00 dollars returned but I can't live with my credit standing. I have always had excellent credit but now after dealing with this company my credit is a mess. All I was trying to do was make my payments more comfortable. DON'T fall for the scam as I did. I intend to somehow clear my "bankrupcy" status. Not sure how but I sure will try.
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