Lots of people are in your same jam. Google "ccdn scam" or "the credit card solution" and you'll find a few lawsuits pending. The Texas AG sued Bob Lindsey last year and got a court order that was supposed to have shut him down, but he keeps finding new ways to violate court orders and TXAG does not feel like indicting and arresting him. So I guess he'll keep right on destroying lives until our privately run federal lawsuit permanently takes away his assets.
Same should be happening to CCDN. The Illinois Attorney Registration and Disciplinary Commission has had a complaint pending against Robert K Lock Jr. for over a year and even though he's nothing but a crook who destroys lives to stuff his own pockets, IARDC has done nothing to him at all. Guess they want him to have a comfortable retirement.
Help is on the way, and if you want to hire a lawyer yourself locally and hasten their demise, you go right ahead. PLEASE. Also complain to every attorney general you can find. Maybe they'll listen to you. They've already told me (IL and NC) that they won't be bothering with CCDN or Bob Lindsey.