Then, after 6 months an offer came in from a credit card I owed over $5K on. It was a great offer and I was able to settle my first account for less than half of what I actually owed. I finally had faith in this program I had been buying into for 6 months. A few months later I paid off two more accounts (thanks to Christmas money from family). Recently I was receiving calls from one of my creditors, but it was just sold off to a third party, and Credit Solutions knew about it before I did and updated it for me on my online account. Since this account was sent to a collection agency, I have stopped receiving the annoying phone calls. So, I know that Credit Solutions has been in contact with them and they know I am on this program. I will continue to save and hopefully I will be done in another year (which seems like forever in my mind). If all goes as planned and I continue to save, I will have paid off all my credit card debt in 2 years. I was on a 4 year plan originally with Credit Solution, which at the time was better than the 35 years it was going to take if I continued to pay minimum payments.

The only reason I write this, is because I was one of the confused Credit Solution customers reading all these horrible reviews and wondering if I had made a huge mistake. Well, I am halfway through my debt, so I personally think it has been worth it. Having someone on my side to help me when I had questions while making the negotiations on my behalf has been worth their service fee. Plus I have already saved twice as much as their total service fee and I still have more to save when I settle the remaining accounts. It is not easy, and yes your credit score will be destroyed (I am afraid to look at mine), but in my situation, it seemed like the only way to get out of debt. Paying the rent and buying food for the kids seemed more important than my credit score at the time.

Thanks for posting the truth…..

“On May 19, 2009 the New York Attorney General filed suit against Credit Solutions of America alleging deceptive business practices and false advertising in connection with their debt settlement service. The lawsuit seeks to obtain restitution and damages for consumers and to prevent the company from engaging in deceptive practices. The case is pending.

On March 26, 2009 the Attorney General of Texas filed suit in the 261st District Court of Travis County against Credit Solutions of America, Inc. Charges filed indicate the business violated the Deceptive Trade Practices Act and has engaged in false, deceptive and misleading acts. Specifically, the charges indicate that the business; failed to negotiate with creditors for most accounts entered into its program, failed to reduce clients’ debt balances by 40-60% as stated, deceived clients about the possible negative consequences such as fees, fines, lawsuits and negative credit reporting, and used misleading selling practices. The state’s enforcement action seeks an injunction against Credit Solutions of America, Inc. that will prevent the company from continuing to unlawfully promise services which it does not deliver. The case is pending”