Halo Debt Solutions RIPP-OFF, SCAM Internet

I TOO FELL VICTIM TO HALO DEBT SOLUTIONS RIP-OFF. I CONTACTED THEM WITH REGARDS TO MY CREDIT CARDS AFTER MY EX-WIFE LEFT AND PUTTING MY IN FINANCIAL RUIN. I CONTACTED HALO AND RECEIVED MANY PROMISES AND A GUARANTEE IN WRITING THAT IF FOR ANY REASON A CREDITOR WOULD NOT SETTLE, I WOULD HAVE THAT PORTION OF THAT CREDITOR RETURNED. LAST APRIL, 2009 I ANSWERED MY DOOR TO FIND A DEPUTY SHERIFF HANDING ME 2 SUMMONS. CITICARDS WAS TIRED OF NOT GETTING ANY RESPONSE, FROM HALO. I CALLED CITICARDS AND FOUND OUT THIS INFO. ALL THEY WANTED WAS TO HEAR FROM ME AND WORK THIS OUT, PERSONALLY AS HALO WAS NOT CONTACTING THEM BUT IT WAS TO LATE AND NOW IN THE ATTORNEYS HANDS. AGAIN I CONTACTED HALO AND THEY WERE WILLING TO PUT TOGETHER A PACKAGE TO TAKE TO COURT WITH ME. WHAT!!!! I WILL HAVE A GARNISHMENT OF MY WAGES, LOOSE MY JOB BECAUSE OF THAT AND HAVE A LIEN ON MY HOME. HALO HAS NEVER, I REPEAT, NEVER RETURNED MY MONEY AS THEIR "GUARANTEE" STATES, THEY HAVE NEVER RETURNED MY CALLS, OR EVER RETURNED ANY EMAILS. I OF COURSE WAS FORCED TO FILE A CHAPTER 7. ANYONE EVER HAVING ANY ISSUES WITH HALO ARE RECOMMENDED TO CONTACT THE TEXAS ATTORNEY GENERAL'S OFFICE AND KEEP CONTACTING THEM!!!