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Has anyone used this program. I am thinking of doing it, but am very scared.

Thanks in advance.




What makes you feel scared in doing business with Credit Solutions of America? Can you tell us more on this so that we can offer you better direction?

I checked them in the BBB website with the following address. Is this the company you are talking about?

Credit Solutions of America
1620 Adelaide Street #6
Concord, CA 94520
Telephone: (925) 798-1339
Fax: (925) 798-1339

Sub: #1 posted on Sat, 07/15/2006 - 01:19

anthony anthony

(Posts: 455 | Credits: 96.33)

The address is Adison, TX. I am not late on any of my cc, but we have them racked up to about $25,000, and it is getting very hard to make the minimums. I just want to have an end in sight and this just seems to good to be true. I was also looking into Superior debt relief.

Thanks for responding.

Sub: #2 posted on Sat, 07/15/2006 - 01:44

Unregistered


Most of the members here support Superior debt relief to be a better choice. You can have a thorough discussion with the consultant and know your payment options. The total amount of your debt can be reduced to a lower amount depending upon the negotiations done by your company. Do a research on the companies before making your final decision. Perhaps, you can register in this site for a free counseling and maybe SDR will contact you.

Sub: #3 posted on Sat, 07/15/2006 - 02:20

anthony anthony

(Posts: 455 | Credits: 96.33)

Credit Solutions has a beautiful office--a friend of mine visited them for a face-to-face meeting--but our clients always claimed that they were contacting us (law firm) when they in fact were not. I think our attorneys were more than happy to deal with out-of-court settlements, but the haggling and bargaining that some settlement companies employed were often counter-productive. My suggestion to you is this: find a company that offers various options, including bankruptcy, so that the alternatives are explicitly underscored and the differences well explained. Without that, you're going to be comparing apples and oranges. In general, no settlement program will be a quick-fix solution, unless you are already well delinquent. OTherwise, credit counseling may be the better, albeit more expensive, alternative.

In general, the best--defined as professional and authoritatively clear--debt "management" firm were settlement or credit counseling companies that adequately represented the correct picture to our mutual clients. Other times, you could clearly tell that a dearth of communication between the client and the settlement/CC firm made resolving the matters difficult and prolonging. I would suggest joining a company if and only if they invoke a sense of responsibility, understanding, and reassurance in you.

Regards,
John

Sub: #4 posted on Mon, 07/17/2006 - 03:56

johng johng

(Posts: 24 | Credits: 16.49)

Credit Solutions are scam artists.

Sub: #5 posted on Tue, 04/29/2008 - 02:47

Unregistered


IT'S A SCAM!! Trust me I work there and it is a total scam I just started 2 Weeks ago and have already put in my 2 weeks notice they are a bunch or liers and I just can not stand to lie to their customers everyday. DO NOT HELP YOU OUT ONLY TAKE YOUR MONEY

Sub: #6 posted on Wed, 05/14/2008 - 23:49

Unregistered


I AGREE. THEY HAVE OVER 1200 COMPLAINTS WITH THE BBB. FOR THE LOVE OF GOD STAY AWAY FROM THEN. THEY HAVE THE WORST REPUTATION IN THE INDUSTRY.

Sub: #7 posted on Thu, 05/15/2008 - 00:20

mobile0311 mobile0311
Moderators
(Posts: 1817 | Credits: 104.57)

Anthony you are correct. Credit Solutions is Credit Solutions of America . They are bad news.


They are a perfect example of why the settlement industry has a bad rep and why I stress strongly checking company's out on the BBB. NOT all settlement company's are bad but a lot are. debt settlement is a relatively new industry "about 10 years old " and there isn`t alot of government regulations yet supervising these company's.

Sub: #8 posted on Thu, 05/15/2008 - 00:22

mobile0311 mobile0311
Moderators
(Posts: 1817 | Credits: 104.57)

DO not do business with them! I Made the mistake of falling for their crap. I wasn't even behind on my payments, I just wanted to pay them down faster and they convinced me to let them go delinquent and they would settle with them for much cheaper. So far all they have done is take my money and ruin my credit. I could have paid off some of my debt with the amount of money they scammed me for.

Sub: #9 posted on Fri, 06/06/2008 - 01:00

Unregistered


Here is their current BBB report as of today. As you can see not very good

Quote:
BBB issues Reliability Reports on all businesses, whether or not they are BBB accredited. If a business is a BBB Accredited Business, it is stated in this report
BBB Definition:

report - A summary of activity reflected in a company's BBB file. Includes basic business background, BBB Accreditation information, and BBB complaint activity over the previous three years. Also reports may include any known government actions, advertising issues or other information that results from activity conducted by the BBB.
.
Name: Credit Solutions of America
Phone: (800) 648-4590
Address: 2370 Performance Drive
Building D
Richardson, TX 75082
Website: www.creditsolutions.com
Original Business Start Date: March 2003
Local Start Date: July 2003
Principal: Trice King, Director of Client Svcs
TOB Classification: Debt Reduction
BBB Accreditation: This organization is not a BBB Accredited business.

Additional DBA Names
CSA
CreditSolutions.com

Nature Of Business

This company offers a service for budget review, debt analysis, contacting creditors, and negotiating settlements with creditors for their clients for a fee.

Customer Experience

Based on BBB files, this company has an unsatisfactory record
BBB Definition:

unsatisfactory record - A company has an "unsatisfactory business performance record" with the BBB is based on the experiences reflected in BBB files. This file condition results when the company has failed to resolve or respond to complaints, repeatedly failed to respond or resolve issues in a timely manner, failed to resolve the underlying issues for a pattern
BBB Definition:

pattern - More than 2 complaints involving the same allegations usually within 12 months that are significant in relation to the company's size and volume of business.
of complaints, failed to honor their commitment to mediate or arbitrate disputes or honor mediated agreements or arbitrated decisions, failed to substantiate, modify or discontinue false advertising claims that are challenged by the BBB, or failed to discontinue unauthorized use of the BBB name and logo, a Federally protected trademark.
with the BBB due to a pattern
BBB Definition:

pattern - More than 2 complaints involving the same allegations usually within 12 months that are significant in relation to the company's size and volume of business.
of complaints and has failed to correct the underlying reason for the complaints.

Complaints are regarding dissatisfaction with the company's service and misrepresentation of the results of the debt negotiation program. Specifically, customers complain that paying the company fee and following the debt negotiation program does not reduce debt, as stated by company representatives. As a result of the program, customers complain, they have an increase in debt, due to late fees or additional interest and negative credit reporting. The company resolves complaints by offering refunds or refering to the Client Services Agreement for explanation. Although the company resolves most of the complaints it has failed to correct the underlying reason for the complaints.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

The BBB processed a total of 1361 complaints about this company in the last 36 months, our standard reporting period.Of the total of 1361 complaints closed in 36 months, 900 were closed in the last year.
Advertising Issues
BBB Definition:

Advertising Issues - Claims alleging print or electronic media advertised claims or practices misrepresent the service or product offer.

Resolved
BBB Definition:

Resolved - The company resolved the complaint issues.

7 - Company resolved
BBB Definition:

resolved - The company resolved the complaint issues.
the complaint issues. The consumer acknowledged acceptance to the BBB.
14 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.
Administratively Closed
BBB Definition:

Administratively Closed - The BBB determined that the complaint could not be satisfactorily settled using standard methods of voluntary dispute resolution

8 - The parties could not provide sufficient information to support their positions nor were they agreeable to make reasonable efforts toward resolving the issues of the dispute.

Contract Issues
BBB Definition:

Contract Issues - Claim of alleged failure to honor contract or agreement, work performed without authorization, or invalid contract.

Resolved
BBB Definition:

Resolved - The company resolved the complaint issues.

62 - Company resolved
BBB Definition:

resolved - The company resolved the complaint issues.
the complaint issues. The consumer acknowledged acceptance to the BBB.
86 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.
Unresolved
BBB Definition:

Unresolved - The company failed to resolve the complaint issues.

5 - Company failed to resolve the complaint issues through the BBB voluntary and self-regulatory process.
Administratively Closed
BBB Definition:

Administratively Closed - The BBB determined that the complaint could not be satisfactorily settled using standard methods of voluntary dispute resolution

1 - BBB determined the company provided proper verification that indicated there was no obligation to resolve the issues of the complaint.
53 - The parties could not provide sufficient information to support their positions nor were they agreeable to make reasonable efforts toward resolving the issues of the dispute.

Billing or Collection Issues
BBB Definition:

Billing or Collection Issues - Claim alleging billing errors, unauthorized charges, or questionable collection practices.

Resolved
BBB Definition:

Resolved - The company resolved the complaint issues.

34 - Company resolved
BBB Definition:

resolved - The company resolved the complaint issues.
the complaint issues. The consumer acknowledged acceptance to the BBB.
50 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.
Unresolved
BBB Definition:

Unresolved - The company failed to resolve the complaint issues.

2 - Company failed to resolve the complaint issues through the BBB voluntary and self-regulatory process.
Administratively Closed
BBB Definition:

Administratively Closed - The BBB determined that the complaint could not be satisfactorily settled using standard methods of voluntary dispute resolution

1 - BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer.
24 - The parties could not provide sufficient information to support their positions nor were they agreeable to make reasonable efforts toward resolving the issues of the dispute.

Sales Practice Issues
BBB Definition:

Sales Practice Issues - Claims of alleged sales presentations made in person or by telephone that contain misrepresentations of the product or service, high pressure sales practices, failure to disclose key conditions of the offer, and verbal representations not consistent with written contractual terms or agreements.

Resolved
BBB Definition:

Resolved - The company resolved the complaint issues.

41 - Company resolved
BBB Definition:

resolved - The company resolved the complaint issues.
the complaint issues. The consumer acknowledged acceptance to the BBB.
43 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.
Administratively Closed
BBB Definition:

Administratively Closed - The BBB determined that the complaint could not be satisfactorily settled using standard methods of voluntary dispute resolution

17 - The parties could not provide sufficient information to support their positions nor were they agreeable to make reasonable efforts toward resolving the issues of the dispute.

Delivery Issues
BBB Definition:

Delivery Issues - Claims alleging delayed delivery of ordered merchandise.

Resolved
BBB Definition:

Resolved - The company resolved the complaint issues.

2 - Company resolved
BBB Definition:

resolved - The company resolved the complaint issues.
the complaint issues. The consumer acknowledged acceptance to the BBB.
3 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.
Administratively Closed
BBB Definition:

Administratively Closed - The BBB determined that the complaint could not be satisfactorily settled using standard methods of voluntary dispute resolution

1 - The parties could not provide sufficient information to support their positions nor were they agreeable to make reasonable efforts toward resolving the issues of the dispute.

Repair Issues
BBB Definition:

Repair Issues - Claims of alleged incorrect diagnosis of a problem, delay in completion of repair, or inferior workmanship.

Resolved
BBB Definition:

Resolved - The company resolved the complaint issues.

1 - Company resolved
BBB Definition:

resolved - The company resolved the complaint issues.
the complaint issues. The consumer acknowledged acceptance to the BBB.
Administratively Closed
BBB Definition:

Administratively Closed - The BBB determined that the complaint could not be satisfactorily settled using standard methods of voluntary dispute resolution

1 - The parties could not provide sufficient information to support their positions nor were they agreeable to make reasonable efforts toward resolving the issues of the dispute.

Service Issues
BBB Definition:

Service Issues - Claims of alleged delay in completing service, failure to provide promised service, inferior quality of provided service, or damaged merchandise as a result of delivery service.

Resolved
BBB Definition:

Resolved - The company resolved the complaint issues.

49 - Company resolved
BBB Definition:

resolved - The company resolved the complaint issues.
the complaint issues. The consumer acknowledged acceptance to the BBB.
89 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.
Unresolved
BBB Definition:

Unresolved - The company failed to resolve the complaint issues.

3 - Company failed to resolve the complaint issues through the BBB voluntary and self-regulatory process.
Administratively Closed
BBB Definition:

Administratively Closed - The BBB determined that the complaint could not be satisfactorily settled using standard methods of voluntary dispute resolution

57 - The parties could not provide sufficient information to support their positions nor were they agreeable to make reasonable efforts toward resolving the issues of the dispute.

Customer Service Issues
BBB Definition:

Service Issues - Claims of alleged delay in completing service, failure to provide promised service, inferior quality of provided service, or damaged merchandise as a result of delivery service.
BBB Definition:

Customer Service Issues - Claims alleging unsatisfactory customer service, including personnel's failure to provide assistance in a timely manner, failure to address or respond to customer dissatisfaction, unavailability for customer support, and/or inappropriate behavior or attitude exhibited by company staff.

Resolved
BBB Definition:

Resolved - The company resolved the complaint issues.

127 - Company resolved
BBB Definition:

resolved - The company resolved the complaint issues.
the complaint issues. The consumer acknowledged acceptance to the BBB.
179 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.
Unresolved
BBB Definition:

Unresolved - The company failed to resolve the complaint issues.

7 - Company failed to resolve the complaint issues through the BBB voluntary and self-regulatory process.
Administratively Closed
BBB Definition:

Administratively Closed - The BBB determined that the complaint could not be satisfactorily settled using standard methods of voluntary dispute resolution

1 - BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer.
101 - The parties could not provide sufficient information to support their positions nor were they agreeable to make reasonable efforts toward resolving the issues of the dispute.

Guarantee or Warranty Issues
BBB Definition:

Guarantee or Warranty Issues - Claims alleging failure to honor the terms regarding guarantees or warranties.

Resolved
BBB Definition:

Resolved - The company resolved the complaint issues.

4 - Company resolved
BBB Definition:

resolved - The company resolved the complaint issues.
the complaint issues. The consumer acknowledged acceptance to the BBB.
6 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.
Administratively Closed
BBB Definition:

Administratively Closed - The BBB determined that the complaint could not be satisfactorily settled using standard methods of voluntary dispute resolution

3 - The parties could not provide sufficient information to support their positions nor were they agreeable to make reasonable efforts toward resolving the issues of the dispute.

Product Issues
BBB Definition:

Product Issues - Claim alleging a product does not meet the expectations of the complainant, including defective merchandise.

Resolved
BBB Definition:

Resolved - The company resolved the complaint issues.

2 - Company resolved
BBB Definition:

resolved - The company resolved the complaint issues.
the complaint issues. The consumer acknowledged acceptance to the BBB.
3 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.
Administratively Closed
BBB Definition:

Administratively Closed - The BBB determined that the complaint could not be satisfactorily settled using standard methods of voluntary dispute resolution

1 - The parties could not provide sufficient information to support their positions nor were they agreeable to make reasonable efforts toward resolving the issues of the dispute.

Refund or Exchange Issues
BBB Definition:

Refund or Exchange Issues - Claim of alleged failure to honor company policy or verbal commitment to provide refunds, exchanges, or credit for products or services.

Resolved
BBB Definition:

Resolved - The company resolved the complaint issues.

71 - Company resolved
BBB Definition:

resolved - The company resolved the complaint issues.
the complaint issues. The consumer acknowledged acceptance to the BBB.
86 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.
Unresolved
BBB Definition:

Unresolved - The company failed to resolve the complaint issues.

3 - Company failed to resolve the complaint issues through the BBB voluntary and self-regulatory process.
Administratively Closed
BBB Definition:

Administratively Closed - The BBB determined that the complaint could not be satisfactorily settled using standard methods of voluntary dispute resolution

1 - BBB determined the company made a reasonable offer to resolve the issues, but the consumer did not accept the offer.
42 - The parties could not provide sufficient information to support their positions nor were they agreeable to make reasonable efforts toward resolving the issues of the dispute.

Issue Not Defined
Resolved
BBB Definition:

Resolved - The company resolved the complaint issues.

30 - Company resolved
BBB Definition:

resolved - The company resolved the complaint issues.
the complaint issues. The consumer acknowledged acceptance to the BBB.
39 - Company addressed the complaint issues. The consumer failed to acknowledge acceptance to the BBB.
Administratively Closed
BBB Definition:

Administratively Closed - The BBB determined that the complaint could not be satisfactorily settled using standard methods of voluntary dispute resolution

1 - The parties could not provide sufficient information to support their positions nor were they agreeable to make reasonable efforts toward resolving the issues of the dispute.


Company Management

Additional company management personnel include:

Shanon Gosey


Additional Contact Information
Additional Addresses
PO Box 2709
Addison, TX 75001

Sub: #10 posted on Fri, 06/06/2008 - 01:16

mobile0311 mobile0311
Moderators
(Posts: 1817 | Credits: 104.57)

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