Thinking I made a smart decision just slightly over a year ago I signed up with Topaz Financal on a program that would get me out of debt in 3 years. They stated i was to stop paying my credit card bills and not talk to anyone calling me in regard to these bills. Every month they took the fee out of my personal checking account that was supposed to be for multiple purposes like paying my bills & negotiating settlements. Of course ALL of their fee's were taken off the top to cover their services. Then they started to bank money in my "savings" account to help me pay any settlements.
Well in 1 year they took me from a bad situation to something 10 times worse. None of my bills had been paid, I was being sued by 4 credit card companies, I had my personal checking account garnished by a credit card company because of defalt judgement, I was supposed to go to court for a civil Pre-trial on another card...should i go on?
I e-mailed and requested cancellation of my account immediately with a full refund of all moneys that had been sent to them. Well, they state that they can only give me what is in my "savings" account which is less than 1/3 of what I paid out to them. Needless to say when I called in flippin out on them I was too upset and I was making the wrong decision in wanting to cancel my services because I didn't understand how the process worked. I all of the sudden got all this personal attention that I didn't get before since I had a melt down and jump on someone about it. I heard out what was being explained to me as to how the whole process worked and how my money was used. I was also told due to my discontent with them that they would forward copies & documentation via e-mail of all the activity on my account up to this point so that they could prove to me they were doing something. Guess what...NEVER got those e-mails.
On New Years Day when I discovered that my checking account had been garnished is when I broke down. I called the personal number to a rep at Topaz and SURPRISE he didn't answer so I left a messege...yep didn't call back either. I promptly e-mailed and cancelled my account with them AGAIN since there was no point in staying with them. I got a response from them trying to convince me that I needed to stay in the program in order to see results. Ok, really? I think the results of my credit being COMPLETELY distroyed as well as money being taken from my checking account leaving me with nothing due to a situation that THEY put me in...yep those are enough results for me to walk away.
Currently in the process now of filing bankruptcy due to all of this which I wouldn't had to do over a year ago. I am still being told that I will get a refund of my money in my "savings" account, but I can just kiss the rest good-bye which is a hefty amount compared to what they are giving back...and I still have NO PROOF of what they claim they've accomplished or done for me or my accounts since the beginning.
Here's where it gets interesting...when I signed my contract some things said Topaz Financial and some said Swift Rock Financial...today I've noticed that the website of www.topazfs.com
no longer exists...and all the e-mails I'm recieving from these people are now coming from Orion Processing...hmmmm if you are changing your name that much then there must be something shadey going on!!
Personally...I will never again do something like this without first consulting with an attorney. I advise that everyone else think LONG and HARD about getting involved with any of these companies.