Scammed and the bank won’t pay up? Beware the Section 75 get-out clause

These fees vary depending on the state you live in and your income.

I called them and asked for a copy of the signed agreement; they said that they don't have it. We're here to provide you that light at the end of your tunnel. 

Consider having an attorney review the documents before you sign anything. Choose an agency that offers free face-to-face counseling sessions to discuss your spending habits, arrange a budget and help you handle your personal finances.

Get Debt Relief and Save Money. Guaranteed. 

Internet fraud is the use of Internet services or software with Internet access to defraud victims or to otherwise take advantage of them. The scam is carried out by compromising legitimate.

They can improve your credit rating or history, help you obtain credit, and offer credit advice or assistance. These organizations must offer you a contract describing their fees and services and they must register with the Department of Commerce. Legitimate organizations will have properly trained credit counselors, not just telemarketers. These for-profit businesses must provide you with services before they charge you.

You should not be paying up-front for this type of service. Consumers who may not need individual treatment can find good information on budgeting and improving your credit in public libraries or from many community service offices.

Debt Management Companies These businesses also charge a fee for helping over-extended consumers by developing a budget and by receiving money from the consumer to re-pay creditors under a specific debt reduction plan. Companies located in Minnesota providing debt prorating services must be licensed by the Department of Commerce.

Firms located outside of the state offering similar services by Internet or mail are not required to be licensed. If you choose to use a firm in another state, you should contact that state's regulatory agency to confirm the firm's license status.

Before you sign up for any debt reduction plan, make sure to read the contract and understand how the program works. You will still pay your debts, just at a reduced rate to a debt management company, which will negotiate with your creditors and make your payments for you.

It is best to deal with a Minnesota licensee that has a local office with staff available to answer your questions. In some cases, consumer credit counseling service organizations provide the services of a debt management company as well as the educational and advisory services of a credit service organization.

The trouble with "non-profit" pretenders Many legitimate credit service organizations using a wide variety of names enjoy a non-profit status, meaning they may charge for services up-front, before providing the service. Consequently, many of the fraudulent agencies that are just out to collect your money pretend to be non-profits. It helped me greatly. My husband and I had to put three sons through college at the same time. I would recommend any person in debt to try using the your company provides.

By being a part of their program, I was able to pay off two credit cards thus far and I am working on the remaining two. The process and progress is slow but steady and it is wonderful to see that I am nearing the finish line.

She was knowledgeable and pleasant. I felt much better after working with her! She was also very professional, courteous, and clearly answered all of my questions. Good customer service is hard to find these days! She represents Consolidated Credit's high standards. She even mentioned that an email may or may not go out which was something helpful considering some emails weren't reaching me in the past.

Although the system was down, she committed herself to seeing the job through vs just asking me to call when the system was back up. Helpful Be the first one to find this review helpful How do I know I can trust these reviews about Consolidated Credit?

We require contact information to ensure our reviewers are real. We use intelligent software that helps us maintain the integrity of reviews. Our moderators read all reviews to verify quality and helpfulness. For more information about reviews on ConsumerAffairs. Without your help I never will be available to resolve my situation!! The service offer by your company is amazing. I am confident in the future a lot of my financial issues will be less.

Thank you all for your help in this. I am very grateful to you all. They have also explained to me the process so I can understand it. I have always experienced good service with anyone that I call.

I hope all issues will be resolved and my creditors will be satisfied with Consolidated Credit and my credit score will go back up.


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American Consumer Credit Counseling (ACCC) is a nonprofit consumer education and financial counseling organization that has been in business since As one of the leading credit counseling and. Become aware of the Credit Card Scams, Identity Theft & more. Keep crooks from taking your money. Remember if sounds to good to be true, it probably is! 

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American Consumer Credit Counseling, Inc. has received out of 5 stars based on 5 Customer Reviews and a BBB Rating of A+. Comprised of 67% BBB Rating and 33% Customer Review Rating/5(5). CCS Credit Collections Services Complaint Review: CCS Credit Collection Services CCS is scamming me Newton Massachusetts. NOTICE! Those consumers located in the European Union, CCS - Credit Collection Services Hollywood Video scam-never happened Newton, Massachusetts;.

Learn about recent scams and how to recognize the warning signs. American Consumer Credit Counseling can help you reduce debt though debt relief, debt consolidation and debt management programs.

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