Complaint / Review
Delray Credit Counseling Services
These people ruined my credit! Ripoff

I had a decent credit score, but I needed it to be just the tiniest bit higher to get a first-time home buyers loan. It would take me about 2 years to get it where I needed it. I dedided to enroll in this because Delray told me they would get my interest rates lowered so that I could pay the money off faster and it would not come up on my credit report that I was enrolled in debt relief of any kind.

I said ok and sent them the first month's payment within a week of first speaking with them. After I sent the first payment, they sent me another letter saying they needed to raise my payments a few dollars.

They never sent me a statement for the 2nd month, but I had saved the paper about my rate increase, so I just wrote a note and sent the money in a regular envelope to them. Later that month, I recieved a notice that they had not recieved payment. I called them and was told not to worry if I had already sent it. I have never recieved a statement from them.

They e-mailed me after 3 months in their system and told me their had been a problem. I called them and they told me that Chase Bank did not accept the offer for debt counseling, so they hadn't paid them! I called Chase and found out that I now owed them over $300 in late fees alone and they jacked my interest rate to 27%!!! I explained to them that I didn't know because Delray had just told me, and Chase said they couldn't do anything until I was up to date on payments and all late fees were paid, which is over $500.

I recently recieved a letter from Providian saying that they are going to drop my debt relief because Delray is not getting them their money on time every month.
I recently spoke with my loan officer (the one who said I could get a home in 2 years the way I was going) and she said I won't be able to get a home for at least 5 years now. All because of Delray.

I have tried to switch to someone else, but was told that my creditors "will not be understanding twice", and will not help with debt relief again. I am now to the point of saying f*k it and filing for bankruptcy. My credit is already down the drain for at least the next 5 years, so I might as well make it 7 and not have to worry about how I'm going to pay all this s*t off. Don't go to Delray!!! I had A - credit before this and now a bank will give a welfare recipient a loan before me!