Ghs Debt Solutions Clear Credit Solutionsllc Why not kick us when we're down!! DelRay Beach, Florida

My husband was deployed in October, 2008.  I decided to "surprise" him by signing up with GHS Debt Consolidation on January 28, 2009.

I found this company on the Internet, checked them out to make sure they were a legitimate company, and they came across as one I could trust.

I called their toll free number, talked to a Senior Debt Analyst, Richard Goldefer, who made you feel comfortable, and that they'd really take care of your credit problems.

I did a "DocuSign" after he'd emailed me a report.  A "DocuSign" is basically an electronic signature from you, so I signed the document online, instead of waiting for him to mail it.

When I was done signing, we went over our credit report, talked about a monthly payment, which was $500.00. Then, I thought, everything was to begin, and our credit problem would be taken care of sooner than we'd ever hoped.

A couple of weeks ago, I received a letter from GHS, stating that until a Power of Attorney was signed, they were not allowed to contact any of our creditors, or worse, they weren't able to even start paying them.

I called them immediately, and again was told by some customer service rep., that all they needed was the Power of Attorney signed, and they could begin.  After all the months of paying $500.00 a month, all of a sudden they "realize" it had not been signed?

I do not even remember being told about this Power of Attorney.   When I asked the amount that was in our account, that they were to use to pay off our creditors, we had  $1,100.00!!!!!!  They were paying themselves $241.00 a month, even though they were not doing what I was allowing them to debit my checking account $500.00 every month!

So, my biggest question is, who ever gets paid for work they were supposed to be doing, and never even began the job which I believed they were doing?

To make matters even worse, I told them I wanted my money back, considering I was sitting in the same place I was all those months ago.  I said I was no longer doing business with a company whose real job seemed to be to rip consumers off!

We had to sign another form, showing our termination with them.  Then we were told our refund from them would be the whopping amount of $400.00!!  Our $1,100.00 sitting in our savings account??  Who knows why they felt that they deserved another $700.00 from us??  I wish somebody could tell me!!!