GHS solutions review: Scam 2

I am completely disgusted with GHS.  They lure you in with promises and then fail to deliver.  I followed their instructions to the letter and got nowhere.  I received a subpoena for court after they failed to communicate with one of my creditors and upon calling, I was told the legal department would respond and handle the response to the court for me.  I was very skeptical as they had not taken care of their job to that point so I called on day 15 of the 20 I had to reply to the court and low and behold; nothing had happened. I then took swift action as I was scared to death and negotiated a settlement of 40% on my own and within 5 days I was paid off on my major creditor.  After negotiating my own settlement for one of my two accounts, I then turned my attention to my remaining debt.  GHS transferred with my consent an additional sum which they were certain was enough to pay my remaining creditor.  I was told they would be settled within 10 days.  Now here I am one full month later, 25 phone calls, 10 disconnects (that's what they say), and 2 hang ups by supervisor (Jason, who is located in Costa Rica along with their call center) with nothing.  The phone reps can only assure me they are working on it and give me grief over demanding a supervisor.  After speaking with a supervisor he tells me the collection agency was let go by my creditor and a new third party was not yet assigned.  I asked why nobody else could tell me that as I spoke with 6 people since the debt recall had taken place.  Of course Jason had no answer for my question and let me know all the reps are very well trained.  I asked Jason to own my issue since they have the money to settle and could get rid of me forever, however Jason refused to do so as this would make him too busy.  His exact words were, "imagine if all our clients asked me to do this."   What a joke!  25 calls and nobody wants to get this settled and done; then I realized I'm coming up on another monthly payment due.  In order to avoid another payment, I called my credit card myself to negotiate as I knew they would certainly do whatever they could to get their money.  I was promptly transferred to another area which ended up being the new debt collector.  Here is where it gets really good!  The new debt collector (ESA Processing) is actually a larger portion of the company which owns GHS!  The debt which was to be settled was being managed in house with GHS!  The kicker to all of this is the merger of GHS took place in August 2011 and here we are in November and GHS people (again in Costa Rica) had no idea!  How could they even begin to help if they don't even realize their parent company owns the debt!  So after talking with ESA, I was ensured my account would be settled in 24 hours.  I immediately received and offer via email and I called GHS back as the ESA rep stated I had to work through them.  After 2 more phone cutoffs, I finally get a rep and state I have an offer and I would like to accept the settlement and have them paid within 4 days.  The offer was $189.95 more than what I had saved with GHS, which the rep was quick to let me know about.  After confirming (for the second time as I let her know immediately upon answering) I wanted to have her draft the money out of my account and pay the creditor; I was placed on hold.  Guess who answered?  Jason, my supervisor who hung up on me just an hour earlier.  I managed to do in 1 hour what they couldn't do in a month.  Jason informed me I didn't have enough money and so for the 3rd time I once again explained what needed to happen (funny when I transferred a lump sum of 1000.00, I had no trouble). Jason asked to record the conversation, which is standard and I agreed.  Jason agreed to take money from my account (his math was 60.00 off to the low side so we still wouldn't be able to settle) and then they would settle by November 18 (which is the day after another payment would be drafted from me!).  I let Jason know first his math was wrong and second the account needs to be settled in 4 days (in order to have enough time to cancel my direct draft they would take, which would leave me fighting them for 300.00 later).  Jason got an immediate attitude and said he would take the money and process the payment.  When I asked how much he was going to be drafted since his math was wrong I was given the response of, "Why don't you tell me!".  As you can imagine, I was shocked as a company was going to take money and couldn't / wouldn't tell me how much.  After demanding to know how much would be taken Jason told me he could do the math and then hung up on me!  I know from experience by the previously mentioned draft of 1000.00, 24 hours could not happen as the promise of my money being taken in 24 hours is incorrect because it takes 48 hours to process (apparently he didn't know or didn't care as he assured me the money would be gone).  So now I will have to follow up with 3 or 4 calls tomorrow to confirm amount and date for withdraw and when my settlement will be mailed.  So to sum this up; I've paid GHS over 1000.00 in fees and they've done absolutely nothing!  I almost went to court, I settled both debts myself (for the same % as they promise, and I may lose a very good job opportunity as I have this lingering debt which should be gone as of 2 weeks ago.  To say I'm very unhappy is a severe understatement and I am now know all they desire is to get rich off of hurting people.  The underlying question is why are we calling Costa Rica when Americans need jobs, but again we know it's all about the mighty dollar! 

I too have been with GHS solutuions since 2009 they have done nothing in all those years except pay off 1 of 5 debts that I have?! They drop calls when they don't have answers for you, when you get nasty they hang up?! It's a friggen nightmare?! Supposedly 2 weeks ago they said i had a settelment that I thought I have been paying off but low and behold the 3rd party involved didnt agrre to it?! I was never told until I asked about it?! I am broke I can't do anything about paying any more for the settlement fee that I already pay that was there answer to try to pay oiff the settlements that I dont have?! makes no sense?! I want to quit but they already have over $1000.00 of my money Help what can I do?! any answers please help?! deermee64@aol.com Thank you!