Delray Credit Counseling told me that they could get my percentage rate down on my credit cards so they could be paid off withing three years.
My fixed rate went up on all my credit cards after Delray became involved because no payments were made until 3 months later.
The fixed rate that Delray obtained was as high as what I had been paying before payments became late.
I was also told that the first payment would go towards my credit card payments but found out that they actually keep this money for security and if you drop out then they keep the money.
After dropping Delray I was able to work with the cc companies for a lower fixed rate then what Delray got me.
Delray refused to pay back the original payment made to them.
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