Credit Solutions
Reviews and Complaints

MISTAKEN OUR COMPANY/BUSINESS FOR SOME OTHER COMPANY/BUSINESS

Hi, CC Credit Solutions LLC. originated in Corpus Christi Texas in 2003 we do not have your name in our system or database. CC Credit Solutions takes these matters very seriously. We hope you get this matter reconciled with the correct company/business. We are a credit solutions company that focuses on improving your credit. Please consider updating/correcting your statement on our BUSINESS profile. Thank you. We hope you can get this issue resolved.

MISTAKEN OUR COMPANY/BUSINESS FOR SOME OTHER COMPANY/BUSINESS

Hi, CC Credit Solutions LLC. originated in Corpus Christi Texas in 2003 we do not have your name in our system or database. CC Credit Solutions takes these matters very seriously. We hope you get this matter reconciled with the correct company/business. We are a credit solutions company that focuses on improving your credit. Please consider updating/correcting your statement on our BUSINESS profile. Thank you. We hope you can get this issue resolved.

Settlement is an assertive solution for financially troubled consumers seeking an alternative to bankruptcy. There is no doubt that Americans desperately need immediate debt-relief options in today's economy. Just last month, Credit Solutions saved clients an average of 58.1% on all settlements.

As an employee of Credit Solutions, please allow me to address your concerns myself. It is a good thing to pay monthly and to save thousands and that’s exactly what we wanted to see for you. I am not familiar with what may have happened with your situation but I know we want to give 110% to our customers. Please call and contact your service representative directly today and ask for me, Ginger Williams, and I will personally handle your account. We can get excellent settlement offers for people in your situation and we want you to be satisfied! Please call and I look forward to helping you today!

Failed to Provide Application Approved Services I paid A One time Fee and Recieved only a Manager Phone Call (since January 2012) Of Concern about the Monthly Issues they failed to approve guaranteed Credit Card Services since September 29.2011 on my Credit Approved Application. Created Complaint with Stated Facts. Monday March 5, 2012.

We have contract credit solutions for their services and giving then access to our checking account ...Any ways we spend over $5, 500.00 and they did not deliver what they promessed to deliver...Is there any lawsuit against this company? We like to be part of it... thanks...

Oh I forgot about all the summons and the 1099C forms that will cost you additional money at tax time. FYI if you file long form the money that you paid to Credit Solutions can be a tax deductions for services and fees rendered. I feel so awful for anyone else that was trapped by this fradulent company. Byran with credit soultions should be ashamed of himself, along with Shanon G. They lie and play the blame game, easier to blame someone else than to accept responsibility.
I can't believe that I trashed my credit and that I took my life's savings from my 401k plan to pay bad debt.
Could there be a class action suite filed? I'm in..maybe some attoney can file and get our money and dignity back to the customers that were liued to. Does anyone see the commercials? Hopefully they were ban from TV.

I lost my job in March 2009 and joined Credit Solutions in June 2009 after trouble paying all my credit card bills. To only have to pay/ save $400 a month instead over $1, 000 I was currently paying on credit card debt sounded like the right decision to make (the only decision in my mind at the time). The first six months of the program was the hardest. I was receiving creditor calls, letters, etc. (someone even showed up at my door) and didn’t have enough money saved to make any settlement offers. Plus, I wasn’t sure what Credit Solutions was supposed to be doing on my behalf since I stopped paying my monthly credit card bills. I couldn’t understand why people kept calling. This was so disheartening.

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.

I completely retract my offer to Help above.. the offer was free advise and at no point was intended for the purpose of obtaining professional employment

If anyone complaining about credit solutions of america resides in the State of Florida pleasecontact me at rtables@rsglawyers.com ... we can help you

hahah thats good that is
they get you to just stop paying your bills, and pay them instead. eventually they tell you that they reached a settlement deal with your creditors, which is way more money than you could pay at once of course. But not to worry, you can start paying us, Credit Solutions, instead with one monthly payment. ISNT THAT GREAT? Remember, dont bother to answer your phone in fact, we suggest you change your number and get one that is unlisted. You don't want those baad bill collectors harrassing you anymore, right?

the fraud is, your original creditors just charged off your account because they couldnt get in contact with you anymore. Nobody from Credit Solutions contacted them at all.

Companies like Credit Solutions really help keep the American Economy strong. Think of all the nice houses, and cars, living like Kings and Queens and stuff. Do they deserve it? Did they really work for it? Its sad to know our own government won't do anything about these companies.

Credit, you have absolutely no idea what you are talking about. Why even say anything at all? I hate stupid people.

I think if you have a job or are making some money, cancel with credit solutions, and call the credit card companies and try to work something out where you pay a min payment per month and can close the account.

If you are not making any money, then probably filing bankruptcy is the only option. I thought it strange that when I called credit solutions they did not even ask me for the account number of the credit card company that I was doing business with.

Basically, what they want you to do with no guarantee that it works, is stop paying your credit cards, which is going to hurt your credit rating, try saving up some money per month for 3 years till you have 1/2 the money that the credit card bills are for, and then they will "try" to make a settlement for 1/2.

This may be what you are looking for, but I read some complaints about this company on the Internet which scares me about doing business with them. I do not know of a good 3rd party company that can actually help negotiate your debts. If you are thinking about filing for bankruptcy then I would suggest contacting an attorney if you can afford one.

I completely retract my offer to Help above.. the offer was free advise and at no point was intended for the purpose of obtaining professional employment

If anyone complaining about credit solutions of america resides in the State of Florida pleasecontact me at rtables@rsglawyers.com ... we can help you

I signed up with them. Yes, creditors do continue to call. I had to make phone calls to see what was going on. They did manage to "mess up" a bit with first creditor (should have contacted them sooner) but still saved me money. Second creditor, they saved me $7, 000, much better than first creditor. I have one more creditor to pay but they have already saved me more than I have paid out. If they continue with record of success with third (last) creditor, I will save approximately $10, 000 net (savings vs what I had to pay Credit Solutions).

I DID try to negotiate with the creditors myself, as all of the financial gurus say to do. Not one would work with me - and I was paying them through automotic payment (on time) and barely eating into any principal. This debt was just NEVER going away. That is why I went with Credit Solutions. The company hasn't been perfect, but they HAVE come through for me. In my case, I am glad that I engaged with them.

I completely retract my offer to Help above.. the offer was free advise and at no point was intended for the purpose of obtaining professional employment

If anyone complaining about credit solutions of america resides in the State of Florida pleasecontact me at rtables@rsglawyers.com ... we can help you

I just cancelled my account with credit solutions and they still withdrew $283.50 from my account after they sent me an e-mail confirming that my account with them had been cancelled. I am so upset because it is Christmas and i needed that money! I am going to try to pay off my debt by negotiating myself. I don't feel good about the way Credit Solutuions wanted me to do it, by not paying at all! I would like any information you may have to get reimbursed for the money that was removed illegally and if there is any chance I could retrieve any of the money removed from my account while in the "program" and nothing was done?

Thanks,

Sugarjmk@aol.com

They recently called me even though I never signed up for them. They said you had to have come to our website and signed up because we have all your info. I told them they obviously don't know how the internet and random clicking does to info. Only thing I've done is sign up for a magazine. They ninja information from from you to get a hold of you and call persistently. Then they say you need to sign up for this even though you've never heard of them, you say no 15 times, then they ask for your social security and they wonder why you wont give them 70 -100 dollars a month. This company sounds like bad new automatically the way the try to get people to sign up. Just saying.

Before you accept that great job with any debt settlement company consider this:

1. They suck you in pump you up and make you think you are doing the right thing.
2. What if someone gets sued? Just exactly what do they do if someone gets sued?
3. What happens to all the interest and fees that are added to the debt as it ages?
4. Yeah they will likely settle but now that the debt has doubled and they settle it for half, did you just pay the original amount anyway?

Sales 101.1. (What they do not want you to know)
I want you to know that everything the person on the phone tells you is from a carefully crafted script, designed to maintain control of the conversation. A good salesperson will deflect your questions until a specific part of the script. This way he/she can go to the objections section and “overcome your objections” Each sales person has a script of what to say and when to say. It even what emotions to use when talking or leaving a message. They have scripts of the most common objections and how to respond to them. So any question you have there is a script for it. Any reason you have to question if they are on the level, there is a script of that too. These people have more scripts than an iphone has apps. The emails are designed to make you feel like they are trying to help you and you are refusing help. Also every voicemail is scripted. They are not the only ones who do this. Most of the time when you get a sales call they are following a script designed to control the conversation and get you to agree with what you are being told.

NEVER EVER BUY ANYTHING FROM SOMEONE OVER THE PHONE UNLESS YOU CALL THEM. Please. Don’t do it.

Just remember EVERYTHING they say is from a script, even the humor.

The HR department of the company I recently went to work for "Credit Solutions" told several lies to every new hire I've spoken to.
I specifically told the HR guy I wasn't interested in doing any "cold calling". He told me that I would only be calling people who had gone on line and specifically asked to be contacted by our company.
After two weeks of calling people who said they didn't request any information from us and had no clue as to how we even got their information, and worse yet people who scream and curse into the phone because they've been called by 20 people at our company multiple times and told the reps and even e-mailed them to remove them from our list. I finally went and had a talk with the manager of the training department and found out they are buying list from other companies who may or may not have anything to do with credit problems such as mortgage loan companies.
He seemed shocked (or at least pretended to be) that we were TOLD by our trainer to ignore notes in the system and to go ahead and call people who had asked to not be called. We were also told in training to tell client's that we would settle their debt by 50% or less. Two days ago we were told to stop saying that.
This company can not do business in at least 12 states and is being sued by the state of Texas and (I think Missouri) too. The AG of Texas is investigating them and God knows who else.
I feel tricked into being promised a three figure income and I'm driving 3 hours a day round trip to get minimum wage. I went off unemployment to take this job and now because of the price of gas I'm making less than I was.
I wonder what to do?

These son of a ### worthless thievin ###s should be hungup by their balls! I joined these crooks about a year and half ago. They did NOTHING for me except cause me MORE FINANCIAL problems and Stress and Grief!
They are the lowest of the low ! Every single person that works for this company should spend the rest of their lives behind ###in bars! I am EXTREMELY PISSED off at them!
I ended up settling 90 % of my debts on my own ! They did nothing but take my money and are still doing so !
I sent them a letter last month that I settled all my accounts and to stop taking payments out of my checking account and that they OWE ME a LOT of money back !
Now today I went to my online banking account and these worthless ###S took out another $ 712.00 dollars! I am so VERY Upset at myself for getting involevd with these ###s!
How can such companys be able to be in business ripping people off of great sums of money?! Why arent they stopped from financial killing people ! I joined them when I was DESPERATE ...VERY DESPERATE in finding a solution to paying off my creditors ! When people are desperate for help they will try anything and these ### know this ! They are praying on people at their MOST VENERABLE ...STRESSful time in their lives!
I had noticed Credit Solutions a couple of years ago on a popular talk show. Stupidly I thought hey this talk show must have done their research into this company for them to be recommending them to their LARGE AUDIENCE. Im thinkin they must be ok...maybe they can help me !
HELL NO ! HELP?! hahahahaha... Thats the LAST thing they are going to do ! Again ...how can they stay in business...? Why isnt the government shutting them down ?! How can people work for this company knowing the damage they are inflicting upon people that already are in a world of financial trouble ! How could this be?!
I know one thing...if its the last thing I do...Im NOT going to let them get away with this !

IM SO VERY VERY VERY VERY ANGRY !

What ever you do...DO NOT join Credit Solutions and/or any other such financial companys! They will only make matters MUCH WORSE than they are! Call the creditors and you make the deals with them...they are willing to cut the balance down ...at least they were before this financial disaster the countrys in right now. I dont know if thats changed any.

Anyway...Stay far far far far far AWAY from CREDIT SOLUTIONS!

Hi, I have signed up with Credit Solutions and have already sent them $564.00 to "help" me with my creditors. I am very unhappy with them as I keep receiving phone calls and they don't seem to be doing ANYTHING to hlep me! I really would like my money back and to get rid of the worthless company. Any possibility of this happening? Thanks for whatever help you can give me.

Sheryl

Hi, I would love some information, if there is any way to get back all the monthly payments we have made to them the past year.! I just talked to a representative today to get an update of whats going on with our account and how it's building up. Because to my understanding of what they told me was that we pay them $136.00 a month, they take out a small percentage for their "service fee", and the rest builds up in an account for them to pay our creditors. I am not stupid, I wish I could go back to all my previous conversations with them, because I asked a lot of questions and obviously they lied to me somehwere.
So I have come to realize today after talking to them, that they have not done anything to negotiate with my creditors, all she kept asking was have I been receiving any letters from them, or any calls. Because they care, right? The last twelve months of payments I have made which I thought was helping pay off my credit has been going to them for doing nothing.
I thought I did the research in finding a good company to help my family, and it makes me ill knowing I have been scammed. I don't know how I'm going to tell my husband.

Please let me know if there is any way to get my money back. It even says after you google "credit solutions", 100% money back if not satisfied, but when I click on the link to go to the page I can't find anything about it. Please help me.

Just picked up my computer from Best Buy, $230.00 to remove this virus that their company infected my computer. The guy at Best Buy says to never click on links and to always type or paste information (website) in the URL Bar.
Best Buy also stated that they are notorious with thier false advertisments and threatening advertisements, because they are not here in the USA and there are no consequences to their actions.
Onece the virus is in, then your security system (Webroot) is worthless, because the damage and virus is already planted.
Love to know how to get my money back for them infecting my computer. Best Buy also stated that there is no 100% cure for these mean people that have nothing better to do! Watch what you open and how you get there.

You sound like the person that I talked to when I enrolled with Credit Solutions. Interesting take on why they do not follow through. It's just a job and hey they really could care less about the consumer that is in debt. Jut continue to e-mail them, eventually they will call you and say that they have terminated your account. I was out in one year of a 4 year program. Not because it worked but because I was the squeaky wheel and e-mailed them three times a day about how I wanted results and out of their program. It was a hugh mistake on my part. And hey Charles, I am not lazy, worked very hard for my money until the company closed and relocated to Dallas. Your just a really mean and unhappy person. I'll pray for you just as I will pray for all the unsuspecting souls that enter into an agreement with any debt reduction program.
Yes I was stupid but I was also misinformed. Have a great day and all that enter into these programs..if in doubt don't. The credit card companies really will work with you. I found all this out the hard way!

I also used to work for Credit Solutions of America. I quit there in March of 2007 and they tried to sue me for $50, 000 for getting a job elsewhere in settlement. Settlement is not a scam, and really Credit Solutions isn't either. They do not outline everything like they should, but they do perform a service (although not a great one). Their main problem is that they don't follow through with the plan. The tell you that they'll have customer service follow up with you on the regular, but this simply does not happen. You'll find yourself constantly calling them for updates...so why pay them? They had 250 people in the enrollment (sales) department there when I left, and they had less than 100 people in the on the back end (customer service, settlement department, etc..)

Today I work for a much more reliable company called AFC Processing (Accredited Financial Corporation). We're members of TASC (The Association of Settlement Companies). I've helped out many people in the past few years here, and would love to help you succeed as well.

We are not as large of a company, and that would help you out more in the long run, since you'll get needs met one on one. We're not a call center like they are either. We assign 4 individuals to your case. You'll have me on the back burner at all times. You'll also have 1 person in contracts to work with you on completing your working file. You'll then also have your own appointed customer service representative that will help field the calls from the creditors to our office. And last but certainly not least, you'll have 1 person from the settlement team assigned to you as well, and this is the person that negotiates with your creditors for you.

We have very people in our enrollement (sales) department here, and many people in the back end to assist you. Our pricing is much less expensive than Credit Solutions, and we achieve better settlements for our clients as well.

It can't hurt to call me. I'm probably the least pressuring person you'll ever speak with (something that Credit Solutions frowns upon since they're coached from day 1 to be over the top with people and fear them into enrolling).

I look forward to helping you out. Mention where you found me and I'll lower our service fee as well.

Bottom line, and what really matters here. Credit Solutions = large company with a tiny back end. AFC Processing = small company, and large back end @ 4:1 ratio! This makes a huge difference on your success in debt settlement.

Joey Staton
AFC Processing
[protected] direct line - no extension needed
[protected]/7 assistance
jstaton@afcprocessing.com email
www.afcprocessing.com website

, aci-berry go me too taking money out of my bank acct. too with out permission procative solutions t welloo internet scam lotto from africa as well, be careful of 3, 500.00 dollar check to send money to western union Something shoppers beware, , , , ,

Before you accept that great job or other offers, with any debt settlement company consider this:

1. They suck you in pump you up and make you think you are doing the right thing.
2. What if someone gets sued? Just exactly what do they do if someone gets sued?
3. What happens to all the interest and fees that are added to the debt as it ages?
4. Yeah they will likely settle but now that the debt has doubled and they settle it for half, did you just pay the original amount anyway?

Sales 101.1. (What they do not want you to know)
I want you to know that everything the person on the phone tells you is from a carefully crafted script, designed to maintain control of the conversation. A good salesperson will deflect your questions until a specific part of the script. This way he/she can go to the objections section and “overcome your objections” Each sales person has a script of what to say and when to say. It even what emotions to use when talking or leaving a message. They have scripts of the most common objections and how to respond to them. So any question you have there is a script for it. Any reason you have to question if they are on the level, there is a script of that too. These people have more scripts than an iphone has apps. The emails are designed to make you feel like they are trying to help you and you are refusing help. Also every voicemail is scripted. They are not the only ones who do this. Most of the time when you get a sales call they are following a script designed to control the conversation and get you to agree with what you are being told.

NEVER EVER BUY ANYTHING FROM SOMEONE OVER THE PHONE UNLESS YOU CALL THEM. Please. Don’t do it.

Just remember EVERYTHING they say is from a script, even the humor.

all I have to say is thank God that I never went through with this. I called my cc company and made arrangements to pay $500 for 4 months and they lowered my interest and then the payments were $200 and then down to $130, which isnt bad. plus I have no creditors or law offices calling me. but my sister got my mother into this mess. she is having no luck with these idiots and having people call her all the time and they arent supposed to according to credit solutions. I hope my sister gets her out of this mess too. I wish she would have done the research first instead of just putting her onto this.

Charles why are you even on all of these complaints pages about CreditSolutions? Normally someone searches through these because they feel they have been done wrong...not to antagonize those who are searching for help and answers. I have to say that all of the hate you have on these individuals is a joke. You must be very pro-corporation. Though your use of words like "Freaking idiots" kind of says that you are just a very bored person of no caliber who likes to believe they are above everyone else. Why don't you waste your time elsewhere?

Once again the lazy that found themselves in debt think that they will have to do nothing to get out of debt. Can any of you people take responsibility for getting into debt in the first place? If you follow their program, it works. Why would CSA call you about a settlement if you have no money saved? Freaking idiots. Just as you were proactive in getting into debt, you also have to be proactive in getting out! All of the hate on CSA is such a joke.

I am a former Employer of credit Solutions, and I can say that if you have have a complaint please email me . it did not take me long to realize that they are not a good company . Debt solution is good when you have good people representing you. And it does not cost as much as most people are being charged. I am launchng a program now to show people how to do just waht they are doing in less time and less money. And keep doing what they are doing and how to take advantage of the crisis. mrsbpearl@yahoo.com. I am not a big company I am just an employer that was released just because. the said production, but they outsource your accounts with people that don't get the correct information. and the majority of the accounts have been sitting for years with no call to the creditor. I complained about it, and the fact that clients were being lied to and I looked up no jobs. I now work with most of the clients. Because I told them the truth about thier package. email me mrsbpearl@yahoo.com

If you are enrolled with creditsolutions now, and you have not had any results please email me @mrsbpearl@yahoo.com I can help you recupe. You should hear how the employers are being treated.

Completely ridiculous comment. Talk about getting scammed. How about when you signed up for a credit card? Is the credit card company's program set up for you to get out of debt?

Even stupid (supposed) people make mistakes. What do you work for credit soultions. If not maybe they are hiring. They need people with the attitude that it is all your fault. The thing that I agree was my fault was going through a divorce that caused the indebtness.
Desperate times call for desperate measure. Charles your just no more than cruel and perhaps a real whinner yourself.
Compassion goes a long way. Thank your lucky stars that you were not swindled by these thieving, unethical company.
The complaint is real and Credit Solutions is at fault as well as the consumer. Buyer be ware this company is not for you! They will trash your credit with the first cease and assist letter that you send to them. And they will send the police and summons for your arrest while being in this program. They so not have your best interest at heart. It was a long and costly year. Thank God I am out of their program and have an attorney to file for fees that I paid to them.

WOW...is this guy for real? You must not be familiar with trying to make your own and running into snags huh? Sorry that not everyone's life can run as perfectly as those with no debt. But as you can plainly see, the economy as whole is in tremedous debt! So you just eat your words because the WHOLE country is drowing! I have worked with CreditSolutions myself and as you said, I followed it "religiously." I work one full-time job and one part-time job and I am a student. Every month I put the deficit of my payment to the company into a savings account...and guess what! Within six months of joining with them I was served a summons over my lunch break! I have known people to go years without a creditor resulting to that! That is when I realized that I am paying CreditSolutions to do NOTHING...it's sad when I pay someone $100 a month to get a summons to appear in court, when I could have been giving my creditors that money and saving my credit! I just hope others can learn from our mistakes and avoid this nightmare.

I hate stupid people. Its always someone else's fault, never your own. First off, if you are looking for consolidation, settlement, credit counseling or bankruptcy your credit is already messed up. You are just to stupid to realize it. There is a reason why you are looking for debt help in the first place because you spent more than you could afford. CSA's program didn't screw up your credit, you did. Their program does work, you just have to follow it religiously. They never promised the world and I know they did say this getting out of debt process is extremely challenging. The people that complain about CSA's program to getting out of debt are the people that were not committed to the program in the first place. In order to get out of debt, you have to be ready to commit to a program until it is accomplished. Stay in debt, you whiney babies!

This company and the people that work for it are trying to do nothing more than make money. They are not trying to provide a service or reduce your debt in any way. I hope you will take my advice and not be as foolish as I was to sign up for their "service"

PLEASE DO NOT BE RIPPED OFF BY THESE SCAM ARTISTS! BEWARE - BEWARE- BEWARE !
BEWARE OF THEIR SO CALLED TACTICS, THEY SERIOUSLY ROB YOU EVERY PENNY BEFORE KNOW IT!

THEY WILL PROMISE YOU THE WORLD AND TELL YOU TO NOT ANSWER TO YOUR CREDITORS, AND IGNORE PHONE CALLS, WHICH ARE THESE SO CALLED SCARE TACTICS! WE LOST OVER $1000 DOLLARS ALREADY AND WERE FOOLED AND MISLEAD BY FALSE PROMISES, UNLESS YOU HAVE MONEY TO BURN . . . . RUN AWAY FROM THIS COMPANY ASAP!

I WISH SOMEONE WOULD OF WARNED ME ABOUT THEM FIRST, OR I SHOULD OF DONE MY HOMEWORK BETTER. RIGHT NOW I AM GOING TO TRY TO RECOUP MY LOSSES BY GETTING AN ATTORNEY. HOPEFULLY, THESE SCUMS WON'T GET AWAY WITH WHAT THEY'VE DONE TO ME AND OTHER INNOCENT PEOPLE. REALLY, HOW DO THESE PEOPLE GO TO WORK EVERYDAY, KNOWING THEY'RE NOT HELPING ANYONE, I'D RATHER BEG FOR MONEY THAN SELL MY SOUL THAN TO WORK FOR THE DEVIL!