Global Client Solutions review: failure to respond 102

Hi this is Ricky and I enrolled with a Debt Settlement Co. Networth Credit Services and they have settled two of my debts in seven months only however the debt amount was a little low. now three more are remaining but its working well. I am happy with the services. I spoke to Debt Officer JEFF - [protected].

how to cancel agreement whit them. I try to send them email at cancellatins@consumerdcgroup.com but they reject my email? If someone have some idea or some way to cancel agreement please let me know. tnx.

I object to all of these complaints becaue I been a client with them since 10/20/2008 and the service of the person Stephaine McClendon is the best person of that company, with the freindliest personalty ever, her phone number is [protected] x4006, and please let her know that Robert Daniels said he sent you. And metion my ID# G133169, the more you put down to your own account the quicker the faster the your debt is paid off. The best thing to do is save your money and pay the company as fast as you can.I just paid a whole $2200 towards my debt contract which knock it down to 13 mounths left. Then after the 13 mounths I will be debt free.

I also am through GCS and went in with 17k in debts. Just yesterday I received a call from GCS and they settled my biggest account of $8, 900 for only $1700. The thing is it takes time you have to build your account balance first. Its not an overnight process. Im on a 30 month program and have paid off two acounts for $2700 when the amount owed was almost $12, 000. The company I went through was Aspire Financial Solutions out of California. My account is with GCS. So far I am pleased with the results and have had no problem communicating with them via phone. The only down side is that they get theirs money first...But what business doesn't? Just my 2 cents...

I went to Professional Dept releif and Global was my bank to recieve funds from my checking. After 28 months PDR did not settle my debt and Global said they will not take money from your account without your permission. Well they sent me a letter stating they would take $38 from my account for 60 months. What a scam after alot of money they took from me.BAAAAAA

don't deal with theses ###, they have took my money for 3 months and haven't donew anything, just a bunch of crooks that are taken advantage of the poor people in this counrty.

You all really have no clue what is going on with your finances. Global Client Solutions (GCS) is a bank thats all just a bank. It is your debt settlement company that settles the debts NOT GCS. your payment goes in GCS and sits there after your debt company takes their fees and when a settlement is reached they tell you how to wire the mony to the card. If you do not understand this it is not GCS you should be mad it, it is your debt settlement company for not explaining it correct. drop your comapnay and go to www.financialrescuecenter.biz. they will explain it all so there will be no surprises when you are done. maybe this is why your in financail trouble to begin with, you didnt read what you signed.

Hi I just started with this program. I'm sure it will work because of what I've been reading and I this was really an answer from God. My only question is WHAT TO DO with all the calls from my creditors?!? My debt settelement company told me not to talk to them. But when they call and call and call...it gets on my nerves! Anyway, if anybody knows of what the best solution could be, I would really appreciate it. Thank you and God bless :)

you have to remember. the creditor can only speak with you once a day. you have rights also. they can call 50 times a day if you do not answer. call [protected] and ask for cliff and he will help you. there are things you can do, but patience is the best thing to do.

Hi again! I just accessed my online account with GCS for the very first time. They just debited my first payment last week. And I noticed under the "fees" tab there is an amount of $111.00 for about 2 years besides my monthly payments of $230.16. Could someone tell me what that is all about? Thank you :)

First of all it sounds like who ever put you into this program did not do a very good Job explaining it to you. there are fees involved in setteling the debts and they are deducted from your payment. I would suggest you COMPLETLY understand the program you are in so you can have a full understanding of what is to happen and you will be better prepaired. you should have Guidance throughout the program. i would fear you will be left high and dry. I would be happy to help if i can. what State are you in? visit financialrescuecenter.biz or call [protected] ask for Cliff

Thanks a lot for your help. I'm actually in Florida. I will give you a call this afternoon. Thanks again :)

My husband and I used First choice Debt Resolution, we were put ( by choice) on a 12 month plan to pay our $12k + in debts. First Debt actually reduced out Debts by 49%! That is HUGE! Of course we were set up with the accounts admin at G.C.S. While their staff is not the friendliest nor always efficient, they did everything they said they would do. We actually settled our debt 9 months early ( only 3 months in the program).When our automatic bank withdrawal and our settlement check crossed in the process G.C.S. refunded the 600.00 immediately. They made no excuses. My only compliant with G.C.S. is the time it takes them to respond to your voice mail. 99% of the time you call them, no one answers! So if you use a debt relief program that uses G.C.S. for their money management be prepared to cal 7 times a day so they will at the least call you back in a few days! over all, not a bad experience.

I have never had a Client ever had the need to call GCS because every client recieves a log in to see their account. but i can understand having to call in. they are the largest holding service for this. I have always made or help the client with their questions. but a log into the account is Huge. i am glad your service company helped you. Our average settlemtn is close to 35%.

Did any of you read before signing up...all most all debt companies collect all there fees up front, after all fees have been collected they then start working with the collection comapanies beginning with the smallest and working up until it is all paid off. I would READ your contracts before you start going to attorneys and wasting more money...remember you are the one who made this debt they are just trying to help you...

I would agree with part of this last comment, but most Companies do not collect all the money upfront before settelments are made. at least not Financial rescue center. biz... i would agreee that fees are paid over about half the term of the program. but our way of thinking is, how will this benifit the client if that is all we did was collect fees and they made no progress? our goal is to have at least one settled with in the first 8 months. you need to see progress or you are not in the right program. call [protected] financialrescuecenter.biz

These people are CROOKS, LIARS, and CHEATS of the first order. I presently am seeking Federal d State criminal prosecution againdt, GCS, et alia. Civil litigation, too, is the works.
R/S
Jeffrey Ault
LOUISIANA

I am not sure what your issue is with them, but i think you might want to look more into who is doing the settlements and not the bank.

Has anyone heard of Destination Debt Solutions? I'm considering using them.

I agree. people need to understand what they are doing when it come to thier finances. if you have doubts call Cliff [protected] www.financialrescuecenter.biz

This complaint is just ridiculous. I actually feel bad for the consumer who wrote it! Do you even know what your talking about? When you have a company handle your finanaces such as credit card debt you should reallyknow who you talk to and what company your talking to. Im not understanding your thinking or your logic because Global CLient Solutions is NOT a Debt Settlement Company. They absolutely DO NOT call creditors.

Jeannie Pasley is absolutely RiGHt! This complaint is Not Valid or CRediable. Its Amazing to me how a consumer cld actually think Global Client Solutions is a Debt Settlement Company.

Mitzi

These companies are all scams.. You are paying them to put your own money into a so called "secure" account. What's so secured about it? The only security is that they will secure a maint fee, process fee, and a dumb a** fee for joining with them. I am a training director for one of the largest collection agencies in the country, and I can assure you these people do not have a "hook up" with creditors. SAVE YOUR SELF THE HEADACHE AND DO THIS YOUR SELF. Why should you pay someone to settle a debt for you, that you can do yourself. Any of the following websites can teach you how to settle your own debt:

I am not affiliated with any of these

www.creditinfocenter.com
www.debtorboards.com

I have talked to hundreds of people, who swear these companies are helping them by contacting the creditors.. And guess what, they have not even dialed a single number. Is everyone aware that you can still get sued while working with these companies.. Some creditors or debt buyers are quick to sue, no matter what DSA(Debt Settlement Agency) you are with. A lot of the big boys like Citi bank & Chase are no longer working with DSA's because the take money from consumers, money that could be used to settle those same accounts quicker.

I am currently helping a friend from church deal with a problem from GCS.. And I am guiding him, and showing him how to do it himself. So far he just settled an 8k account for 2.5k with BOA(Bank of America) and they are giving him 6 months for a SIF(Settlement in Full). God bless, and please do not get scammed... And for the few post that keep protecting poor little GCS.. Get a life, we all know you work for them.. DUHHHHHHH! Just my 2 cents...

To the Training Director for the LARGEST Collection Agency in the COUNTRY:

If I were you I wouldnt brag about being a training director for a collection agency. The complaints by the consumers about the HARRASSMENT by collectors at collection agencys still exsists and tops the lists of complaints to the Federal Trade Commission.

There are many consumers whom are either out of work, loss of hours, NO raises and are struggling to pay for the Neccessities of Life.

I agree that most Debt Settlement Companies are scams. The Debt Settlement companies that are scams are frequently the ones that are front loaded, fee structured take al the consumers money before the settle any debts. This would be called FLAT FEE STRUCTURED Debt Settlement Companies.

I work for a Debt Settlement company that is PERFORMANCED BASED, we are one of the handful of Debt Settlement companies in the industry that collects its settlement fees ONLY after a Bonified settlement has been achieved; this is referred to a s "Performance Based Fee " structure versus what most of the Debt Settlement industry follows which is "Flat Fee" structure. BOTTON LINE; If we cant save you money then we DONT GET PAID>

As far as Global Client Solutions, they are one of the largest account MANAGEMENT Companies in the United States. Global creates total seperation between the consumers funds and the Debt Settlement Companies. Of course there are fees involved but it certainly beats paying 29.9 % or higher in interest on a credit card in this
economy.

Before you talk about the "big boys" Citi and Chase not being involved with DSC you need to get your facts straight.

My facts are straight, no one is bragging.. And before you get all offended about your high and mighty PERFORMANCE BASED DSA company, which you probably own. I said I work for one of the largest agency's, not THE largest agency like you mentioned. I never said my job was pretty. It's not, I can be very honest and truthful. My job is to teach collectors how to abide by the Fair Debt Collection Practice (FDCPA) and applicable state laws. Unfortunately collections is not a pretty job, but it's necessary to keep the economy going.

Creditors lend-->Consumers borrow-->Some pay-->Some don't-->Those that don't pay get collection calls-->Money collected goes back to creditor to lend again. (Like the circle of life, lol)

I am totally against abusive debt collection tactics, and any form of unethical behavior.

With that being said, I know their are a lot of unethical debt collection companies out there (A LOT). The company I work for, does not condone nor approve any of those tactics. The "big boys" are no longer willing to work with companies that abuse, and tarnish the industry. In the next upcoming years the ARMS industry will be making a 360 degree turn to a more compliance oriented industry. Your so called industry will be out of business. Why hire a PERFORMANCE BASED company like yours when a consumer can settle a debt on their own, (with some online research) saving your PERFORMANCE BASED FEE, and using that fee to settle other accounts. DSA's are nothing more than glorified phone jockeys in a call center environment. Yes some do help people, but its usually people that are conned into believing that DSA's have a special secret the "big boys" don't want you to know. You have no secret formulas, or special relationships with any creditors. If you noticed my last post, I directed people to incredible websites like:

www.creditinfocenter.com
www.debtorboards.com

Which teach consumers how to settle their own debt, without paying you a single penny. I will even throw out www.budhibbs.com he is one of the best consumer advocates around. He is not tOo fond of DSA's either, wonder why? The company I work for is not, and has never been on www.budhibbs.com

TO THE GENERAL PUBLIC********* KNOWLEDGE IS POWER, the internet is filled with a ton of free useful information. Don't be fooled by this DSA (Saint) he is out to get your money.. I guarantee that if you guys spend a few hours on the above listed websites, you will learn how to deal with abusive debt collectors (in turn repairing your credit, or giving you more leverage to settle your own debts). These sites have step by step instructions on how to settle your own debt, without paying anyone a single penny. I would say that a huge majority of debt collectors, have also been debt settlement agents at one point. Why pay someone to pay one of your own bills for you, c'mon... Its common sense.

I think I have given a very unbiased decision, given the fact that I work for a CA (collection agency). Unlike the previous poster, that prefers to be a poster boy for a failing industry that is being closed down by state attorney generals across the country. I have nothing against settling debt, what I am against, is someone charging PERFORMANCE BASED FEES for something that the average joe can do himself. Save yourself the money and the grief, and look at the sites listed above, or Google "diy debt settlement"

Like I mentioned in my last post, a lot of the large creditors are refusing to work with DSA's because of the harm most of these companies do (if you noticed I mentioned MOST not ALL). I've talked to a lot of consumers that have told me they were instructed by their DSA to stop paying all their other credit card debts, to stop talking to CA's because they would notify the CA about their representation. Guess what? DSA's never call CA's unless they have a lump sum amount to settle. What if it takes you 2 to 3 years to accumulate your required amount? Interest charges keep adding up, and a lot of these poor people end up getting sued. If a DSA rep tells you that a CA can not sue you while you are in their program, he is LYING TO YOU!

Its, getting late... And I'm starting to get tired. I could go on and on about DSA's all night. But don't take my word for it, educated yourself and Google it. Good luck and good night.

It is hard to imagine a training director for a collection agency, attempting to write what appears to be a warning to consumers. In 2009 consumers lodged over 120, 000 complaints to various Federal agencies regarding abusive collection tactics such as; threating bodily harm, taking a consumers home, calling neighbors, friends and relatives, disclosing private financial information in clear violation of the FDCPA. In fact debt collection tops the list of consumer abuse and fraudulent collection tactics.

You can ABSOLUTELY do your own Debt Settlement. you can you can also do your own taxes, you can also put out your own house fires, you can do your own home improvements, you can sell your own house. You can do everything yourself; but Usually you hire a PROFESSIONAL.

As for me, I am employed by a Debt Mitagation company that operates as "Performanced Based" fee structure . We are one of a handful of companies in the industry that earns its fees after a bonified settlement has been achieved. BOTTOM LINE; if we dont settle your debts, then we DONT GET PAID! This is how my employer has operated since inception.

MITZI

Keep selling your industry and services Mitzi.. You sound like a bright and educated individual and really good sales person.

And just because I am a training director for a collection agency does not mean I am an unethical person. I agree totally that the vast majority of consumer complaints are aimed at the ARMS industry. I also agree that a huge majority of debt collectors are threatening and use abusive tactics. Like I mentioned before, the company I work for does not condone and terminates any collector on the spot caught violating any and all FDCPA violations. And like mentioned previously, the ARMS industry is in for a huge overhaul in the upcoming year or so. A lot of abusive debt collectors will be out of jobs in the near future.

As for settling your own debt, yes ANYONE can do it. Its not like DSA employees obtain a BA or Masters in debt settlement at their local college. 97% of DSA employees have little to no college degree. As far as you comparing diy debt settlement to putting out your own house fire is completely absurd. Its more comparable to cutting your own lawn and paying someone to do it for you.

Why don't you elaborate a little on the fee you do charge if a debt is settled? I'm positive it is a pretty decent flat fee, or percentage. The average time spent on the phone, actually settling a debt should not exceed 45-60 mins if that. Paying anything more than $100-$150 per account should be considered robbery. It's not like you are an attorney. ( In some cases, usually depending on the amount an attorney might be a good choice). Hope your not taking this offensive, ... :)

I just want to give consumers the facts. Yes, some consumers may feel intimidated or may not be good negotiators, and could benefit from the services you offer. I am positive that if the average consumer was to educated themselves for FREE online, they would never need the services of a DSA. I am anxiously awaiting to see your companies fee structure.. If its reasonable, then more power to you and I think you guys are doing a great public service. Please be honest, so everyone can benefit from our little back and forth discussion. Have a great night, and good luck.

your comment "Its not like DSA employees obtain a BA or Masters in debt settlement at their local college. 97% of DSA employees have little to no college degree."

this was for a little while an iteleget conversation. now your pulling number out of the air and is starting to sound like your just having issues collecting because the DSA's are doping a good job making it harder for you.

i understand Mitzi's point about putting your own house fire out. its called an example. you can do anything you like if you put the time and effore into it. does not meen you will get the same results. as far as fees go, look at the big picture and how it all works. you can still save about 50% of the debts and be releived of this debt and get back on track. i would not say that program is for everyone, but for a true hardship it can work. why not do it yourself? normally you have to pay lump sum to settle the debts. if they could do that or even save money they would not be where they are. this is an assistance with that. most pepole are not dicaplined enough to save the money on their own. and your thinking why not use an attorney for all of this at those fees, well guess what? here I am use me.

the start of this was a complaint against GCS and them not settling debts. well they are a bank, they do not settle debt. the comsumer needs to be educated about DSA, its not for everyone but it does help a lot of people.

Nothing better than to head a collector say "please be honest" sorry but i had to laugh.

lol, Yeah a very "iteleget" conversation.. and the DSA's are "doping" a good job.. Sounds like you are probably one of those DSA agent or consultants I was talking about.

I can not have an intelligent conversation with you Mr. Harley.. Too easy of a target. Don't get offended, its just a post on an online complaint board. And if you would have read our previous posts you would have noticed that I am not a collector, and the 2 companies the company I work for represent, Citi & Chase no longer deal with DSA's because of the damage they do to consumers. (By not calling the creditor to make them aware of the situation, by telling consumers to stop paying all their other bills. Are you aware of the amount of people that get sued while working with DSA's? They are totally surprised when they get served. "I thought my DSA was handling it" Wrong.)

And your an attorney? (I'm taking you were being sarcastic, at least I hope so) Well, I guess it can happen. This is America!

If you would have read the original post correctly you would have noticed that the OP (original poster) thought GCS was a DSA, the person was not even aware that they are just a payment processing company. So please read all the posts before you post, and educate yourself a little better before you rant and rave in an unprofessional manner. How about using spell check, it's free right on this posting forum. Or maybe they didn't teach you that at your fancy law school.

*******General Public****** Educate yourself, don't take my word for it. Especially don't take the word of this last poster (CJHarley

No response at all from the talented Mr. CJHarley?

You are correct, no response. Aren’t you the one that stated you’re a trainer and very high ethics on treating people with respect? I will gladly be the brunt of your bashing to show everyone the truth of who you are. FYI, my firm also is based on performance with phenomenal results. We truly treat people with honesty and respect.

We are two different industries with different outlooks on this. We could continue for a lifetime debating this issue. I am sure you do a very good job at your training, and we do a very good Job at ours as well. I do wish you all the best and appreciate you showing all of us your true colors.

Any typos you wish to point out?

Ha hahahaha! Touche Mr. CJHarley.. Seems like a totally different person responding. Just wanted to see your reply since you started the "bashing" (Nothing better than to head a collector say "please be honest" sorry but i had to laugh.) I guess your true colors were revealed.. My job here was just to educate the public, not reply on boards trying to drum up business like you are doing. I wish you good luck on your DSA mission to help the public. Thanks for the laugh, and good luck with your business.

Global Client Solutions is a go-between for debt settlement companies. I am not sticking up for them so keep that in mind about what I am going to say please.
GCS has a right to charge a fee for servicing. It does cost money to do wire transfers. GCS uses Rocky Mountain Bank and Trust.

I had First Choice Debt Resolution and I will only say that I made an extreme big mistake. The thing of it is that those people that think bill collectors are going to wait for a person for a year or more to pay off a bill, have a debt settlement company negotiate, are very wrong in thinking that. If a person has some extra money stashed away to have bills negotiated down for them in a 3 month period of time then I say go for it. Financial obligations will not wait for you to get money into a savings account over a 2, 3, 4, 5 year period to have a debt negotiated by any debt relief company and thats a fact. Been there, done that, have the court judgements to pay now.
This place, FCDR, put me on at first a 5 year plan, and then revamped my contract, without a new contract, down to a 3 to 4 year plan. They charged me a 15% fee on what my total amount of debt was and told me that I would also have a monthly fee for the duration of my contract (?) in the amount of $39.95 a month and $9.85 a month for the maintaintence fee with GCS. So, the first year all I did was pay off my 15% initial fee and the $39.95 and $9.85 fee's. Nothing into savings. I got court papers for 4 accounts and off to court I went. FCDR refunded me for those 4 court cases they wouldn't be handling. I got another court paper for another debt and this time FCDR has not refunded me. By refunded I mean my total debt amount has now been cut in half due to court judgements on accounts FCDR will never negotiate because a court gave me monthly payments I have to pay. I was in with FCDR a year and that was enough for me. The entire year I never had any issues with GCS. When I closed out with FCDR, GCS refunded me what I had in my savings account. Like all financial institution, holding companies, they all charge fee's. My gripe was with FCDR and the way they lure people into their program. I had been unemployed a few years, exhausted my unemployment, small 401K, I had to do something, but never in my wildest dreams did I ever think I would land in small claims court within a short year of signing on with this FCDR. In fact, I remember the rep at FCDR sending me an e-mail stating, "your debt is so small that you won't have to worry about court cases for it". I bought it all, hook, line, and sinker because I just wanted to pay off my debt. Yes, I feel like a darn fool today. AND, you wouldn't believe how many people I met in court that were going thru a debt relief company that were wondering why they were in court. You wouldn't believe how angry the judge was that so many were wasting their money they didn't have on these debt relief companies. So, if you have a stash of money to pay down your debt within a 3 month period then do it, but remember it's going to cost you alot. Average people with no extra cash shouldn't do any debt relief companies at all. I'm still waiting to see if I get a further refund for what I paid FCDR when my debt amount got cut in half during the course of a year and I had paid off my 15% fee.
Global Client Solutions is just a go-between people. A business handling debt relief companies clients deposits.

94 days ago this comment by a CBentley was posted concerning First Choice Debt Resolution. They were put on a 12 month program for approximately $12, 000 of debt. FCDR charges a 15% fee of the total debt so their 15% fee would have been about $1, 800 up front in monthly payments. Additionally they were paying $39.95 and $9.85 in other fee's per month. I applaud the fact they were able to do away with their debt only 3 months into the program, but having just spent a full year with FCDR I find this very hard to believe unless they had extra cash and told FCDR this and that is the only way this person could have negotiated their debt in a 3 month period thru this company to pay it off. I am very familiar with FCDR. Your credit rating took a nose dive also and you don't even mention that at all. GCS isn't the issue, they're just a go-between for these debt relief companies.

I am a client of Freedom Debt Relief, and have been very happy with them...as well as with the bank that "holds" my funds, Rocky Mountain Bank and Trust. These complaints are idiotic. Obviously you all have misunderstood the process followed by debt relief companies...at least the reputable ones. FDR even guided me through a very scary legal process when one of my creditors got ugly and filed a legal judgement. (It was settled out of court, by Freedom, for a very reasonable sum.) I was terribly upset by the whole thing and called them often for guidance and support, and I ALWAYS got it! The level of intelligence on these internet postings is truly alarming.Get a clue, people, before you make a**** of yourselves complaining about things that you clearly totally misunderstood!

we are also victimized by same company been paying and taking money from are account every month since october of 2009 and till this time no action nor render service to me or help contact any of my creditor, please send us info how to sue or make legal action regarding this company

Jose Tripon...
Global Client Solutions is just a financial institution that works with Rocky Mountain Bank (and other banks) to handle accounts for these good and bad debt resolution/relief companies. If you contracted on with a debt relief company they are probably taking a percentage of the total amont of your debt (EXAMPLE: if debt amount is $15, 000 they take a percentage of that like 15% for there initial fee or it would be 15% of $15, 000 or $2, 250.00). They meaning the debt relief company and not Global Client Solutions. Global takes $9.85 a month for a fee. The debt relief company won't throw any money into your savings as YOUR savings until you pay, in monthly installments, the up front initial fee. And, no debtor is going to wait a year to get their money. You'll probably get court papers for your debt. If you signed a contract with a debt relief company please READ it and try to cancel it if you've no satisfaction with them. I will warn you though that you will be held responsible for that initial fee to them. My initial fee was fully paid to them and I cancelled with them and they refunded me $300, but they still owe me, in my eyes, another 6 to 8 hundred dollars and I am going after them. I hope FCDR gave you their new address? I sent them certified letters and they never picked them up for a whole month and the letters just got returned to me today. My certified letters had to do with cancelling the account after I e-mailed them to cancel it. My account is now closed with them as if my Global account and Global gave me back the money that was in the Global account within 10 days. FCDR will not be there for any support for you. They are very bad at Customer Service.

Global Client Solutions and Rocky Mountain Bank & Trust are only in existence to hold a participating Settlement Companies clients funds for future settlements. They ARE NOT A SETTLEMT COMPLANY. If you read the Service Agreement that is signed before entering, you will see this. As far as the other issues in reference to the Debt Settlement Industry, I would like to point out the following:
Everyone needs to realize first and foremost that Debt Settlement Programs are designed and INTENDED for use by consumers that CANNOT PAY THEIR UNSECURED BILLS BUT DO NOT want to file Bankruptcy. These consumers are already DESTROYING their credit and have the same risk of legal action from the creditors whether they are enrolled in Debt Settlement OR NOT. These programs will typically help negotiate the reduced principal payoff of the enrolled unsecured debts (over time) based off of a VERIFIABLE FINANCIAL HARDSHIP. And yes there is a fee involved just like EVERY OTHER BUSINESS IN EXSISTENCE. Debt Settlement, across the board, has received a bad rap because of the number of shady operations out there, IN COMBINATION with those consumers that think they can "BEAT" their creditors out of something only to find out that they can’t - and then it’s time to blame the Debt Settlement Company.
It’s time for the consumer public to take responsibility for their actions and their situations; if you can pay your bills – PAY YOUR BILLS. If you have had a life changing event that now makes it impossible for you to meet your unsecured payment requirements, Debt Settlement IS an option that may be able to help you avoid bankruptcy and get the accounts negotiated to a ZERO BALANCE. With the new FTC laws in place to protect the consumer public, those “SHADY” businesses will soon be gone and the Debt Settlement Industry will once again prove to be a viable solution for those consumers that it is intended for.

i had been in the program with CADMOA for over a year and nothing ever got settled. I finally got out and I want to know who I need to file a suit with to get back over $5000 in fee money. GET OUT NOW and find a debt program you can trust. One of my accounts has gone into garnishment and I don't know what is going to happen with that. They did not do what they promised.

dont even try to enroll in debt settlement with freedom relief / now they cahnge thier name ALLIANCE AID .. same thing, they dont answer your phone calls, these people who are behind these scam will be judge in the future.. BEWARE THE NAME ALLIANCE AID..,

I too was told that GCS specializes in debt settlement... at 9 months into this they have not contacted any creditors or my self... $219.00 per month all to thier beneift ...