freedom debt relief, san mateo, ca i setup payments fro 24 months to pay off my credit card debt, after 22 month at $500.00 equals $11,000 they told me i was that after my next 2 payments i would still owe 3 more payments, i said i would not pay that as that was not the amount set up, anyway i found out that they had never contacted my 3 largest amounts, chase , capitol one and merrick bank now don't know what to do, they did not pay off debts as they promised, total rip-off, scam, how can they cheat people and get away with it.
Hi,My name is XXXXX XXXXX X'd be happy to answer your questions today. I'm sorry to hear that this happened.The starting point here is to read the contract. Often, the company does not really promise to do what the consumer thinks they are promising to do. Debt consolidation firms have lawyers writing their contracts, and they're pretty good at what they do. Under what is called the "parol evidence rule," any statement made before the contract was signed, or at the same time, is inadmissible to prove the agreement. So, look at the contract. If they promised to handle all of your debts for a stated amount, they cannot refuse to do that or ask for more money without being in violation of the contract. In that case, you could sue the company.In California, credit counseling services are governed by the Department of Corporations. You can file a complaint with them if the company is engaging in unfair and/or deceptive trade practices. Page 79 of this booklet has more information:http://www.dca.ca.gov/publications/guide/ref_guide.pdfFreedom Debt Relief also has a C rating with the Better Business Bureau. It looks like they've been willing to work with the BBB in the past to resolve customer disputes, which is a free service. So, it may be worth filing a complaint through the BBB for assistance.http://www.bbb.org/greater-san-francisco/business-reviews/debt-relief-services/freedom-debt-relief-in-san-mateo-ca-65019Please rate my service before signing out, as this is the only way that I get credit for the time I spend helping you. I hope that you are 100% satisfied - if not, please click "reply" so that we may continue the conversation. Good luck.