I pursued paying off abad debt (credit solutions did not help, only took my money!) I called my credit card company (JCPenneys) was told this account was being managed by Niagara Credit Solutions and was transferred.
I expressed my desire to settle this debt, and explained I had joined a credit solutions complany that basically took my money and did nothing for over a year. This company said they could settle for some exorbitant amount of money, it was like $1500 more than the original debt! I expressed that I could NOT afford that and was hoping to pay off the ORIGINAL amount minus a precentage if possible.
Well, this guy began telling me I was a bad mother, calling me ignorant, I mean it was unbelievable. He said that because I was refusing to settle, he was going to go ahead and "mark my credit every week until I pay." Whatever that means!
So, fast forward a few weeks, and I get a message at work from a nice sounding gentleman wanting to discuss the debt I owe. I called back, and was given a slightly less figure, basically about $30 less than the original. I again expressed that I couldn't afford that, and he began shouting, saying he was going to start "harrassing my mother" and was going to fax a form to my payroll dept toget my wages garnished. I basically told him this was not going to happen, and he needed a court order to do so! After several more seconds of him berating me and shouting obscenities, i hung up.
I was so upset, I began to try and file a complaint, and I called back the main number and asked where they were located. The gentleman asked me "why? " and wanted to know who I was. I simply stated that wasn't important and needed to know where they were located to file a complaint. He said New York, and refused any further information. He began calling me ignorant and other obscenities. Again, I hung up.
Well, a few seconds later my WORK phone rings (the beauty of caller ID) and this guy begins yelling at me and saying he wants his money and now they won't settle at all He called me a "punk", and it was just ridiculous how these people treated me. I hung up.
Again, they kept calling and left several NASTY phone messages, basically saying I must be ignorant because I don't know how to use the phone, etc. etc.
These people are scum and I would rather die than give them one cent after the way they treated me. I called them looking to 'do the right thing' after being screwed over by another debt company, and these guys are even worse. I have the messages saved if anyone wants to hear them!
hiding out, Alabama