Commercial Credit Counseling Services CCCS Stole money Paramus, New Jersey

  This company says it can negotiate with credit card companies to lower and resolve your credit card debt. They get an automatic draft on your bank account and are to take that money to negotiate settelments and lower payments.  They drafted my account for 6 months for $6000.00 total, and paid no one.  When I called to ask why, they said they needed more money.  I asked for a refund on the program, and they refused.  Basically I invested the money for nothing.  No credit card company was paid.  They motto is "Turning adversaries into allies".  Its a scam. My credit was ruined as a result, and this company never paid anyone, and never refunded my money. Their advertising broucheres lool impressive, but the end result is zero.