united financial services ripped me off!!!! margate, Florida

I started over a year ago with these people thinking I was going to gethelp lowering my interest rates ! How wrong I was , the only thing I got was late fees and bills that are now not paid on time ! When I started with them everything I had was up to date and now everything is a big mess ! I cannot get anyone on the phone and when I dial it tells me  my # IS NOT ALOUD , ARE YOU KIDDING ME ! I have sent several emails and get no responce , I am now forced to close my checking account so that they cant remove any more of my money . They have still not dispurced my November payments and I have creditors calling me all day!!! i FEEL SO STUPID RIGHT NOW BEING TAKEN BY THEM .....