Beth, Here is what I see going on. Neither the Consumer Law Council, nor the people who answer the telephone are working in your best interests, neither are they protecting your credit status. If they are taking your money each month, these lawyers (If they really are lawyers) would be working for you and they would speak to you when you call to find out the status of your accounts. It is not so strange that they do not take your calls, or return your calls when you leave messages because they are not working for you.
It is a gross msrepresentation to tell you that they will eliminate your credit card debt, regardless of the reason they gave you. If a credit card company engages in unfair business practices, charges excessive amounts of interest, or engages in other illegal business activities, they will be penalized by the Courts by prohibiting them from charging usurious interest rates and ordering them to return to their credit card holders the excessive amounts they collected. I have yet to see a Court Ordering any credit card company to forfeit money that they have actually advance to their credit card holders.
For example, assume a credit card company was charging a usurious rate of interest and made misleading statements to its card holders. Assume a credit card holder charged $10, 000 worth of merchandise. Assume also that because of the usurious rate of interest, the card holder's balance was $25,000, one and one-half times the amount of the merchandise the customer had charged. If the credit card holder sued the credit card company, the Court could Order the credit card company to forfeit all interest ($15,000). The customer would still have to pay back the amount they charged when they purchased their merchandise, otherwise all of the credit card company's customers would be getting their purchases for free, a literal impossibility,
So, you see, the promises they made to you would never be achieved. As I said in my previous Answer, if this were a legitimate credit counseling company, they would be taking part of you payment each month and using the rest to pay down your debt. By taking all of your payments each month for themselves, they have had one of your credit card accounts charged off. This simply means that thecredit card company would not be the one coming after you for payment, but rather, it would be the collection company to whom your account was sold that would be coming after you.
Because these scammers running these companies do not make their identity known, it is difficult for the average consumer to fight them and get their money back. That is why I suggested contacting the agencies I listed in my previous Answer and which remains the same. Do not make any further payments to XXXXX and immediately report this company to the agencies which I listed I my previous Answer. If these people are holding themselves out to the public as lawyers, then you must also immediately file a formal Complaint to the New York Attorney Disciplinary Board. Please click on the link I have provided to go to their website for their contact information and to file the formal Complaint online if you wish,
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