GHS Solutions They have taken $209.00 from my account each month for the last 14 months and no action Delray Beach, Florida

 After signing on with GHS Solutions out of desperation during the economy recession I felt a sense of relief that I had taken the proper steps to meet my debt obligations. Now 15 months later I have had a summons served on me to appear in court next week regarding one of the accounts GHS Solutions was handling for me.When I notified them that I had received the summons they emailed me a list of things to do and told me to call in 48 hours to speak with an arbitraitor. When I called back I was disconnected twice and sent to voicemail 3 times. I still have not spoken with anyone at GHS and don't know what to do about the summons except show up! Over the weekend I received a letter from them stating that they would continue to deduct the monthly $209.00 from my account but that they could not offer any legal advice or assist me with the summons. I have put a stop payment on my account and now I am left dealing with $18000.00 of credit card debt that they have falsely told me they are taking care of. I am paying them monthly and so far every payment collected since 12/1/2009 has gone toward a service fee! Here I sit with no extra money to try to settle my debts because I have relied on GHS and was totally lied to from the beginning. I have since negotiated all of the debts except the one I received the summons for and I am trying to get released from GHS and their stealing claws so that this credit card company will talk to me and allow me to make an arrangement. I will lose over $1500.00 dollars to GHS but I guess that is their scam and how they stay in business. With all the complaints and other garbage I have seen regarding this company I cannot believe something cannot be done to stop them. Their program may work for people with several small debts but is a total rip off for a person with larger debts and will cause them a lot of grief and suffering if they trust them to help. I am a fool for using their service and will end up even deeper in debt by wasting the last 15 months paying them to do nothing for me. I can't afford a lawyer and I will be going to court next week with a lot of paperwork that shows I was very stupid and spent 15 months paying GHS to do absolutely nothing for me.Talk about easy money!Wish me luck at court,I have never been to court in all my 56 years except to get my marriage license! I hope I survive the stress!