Debt Settlement USA / Took my money, offered no service
I would strongly advise anyone who is considering looking at a debt settlement program to avoid Debt Settlement USA . I cannot give you a strong enough warning about this company as well as other companies who claim to settle your debts in a set amount of time.
This is a total scam that will result in collections lawsuits as well as pain & embarassment for you.
Debt Settlement USA represented themselves as having relationships with many of the well known creditors and that their program was in fact legitimate and accepted as an alternative to bankruptcy. This is NOT the case.
Debt Settlement USA sends power of attorney letters to your creditors and that is the extent of their involvement until enough funds are built up in your account to settle with a creditor. They also tell you not to make payments to your creditors during this time. This is absolutely the WORST thing you can do.
In fact, I was told by one of my creditors that they will often move directly to a lawsuit when a debt settlement service is involved.
To date, they have NEVER contacted ANY of my creditors...
Having chose to go this route and with Debt Settlement USA was probably the worst thing I could have ever done.
I have just "fired" Debt Settlement USA" and am now dealing with two, possibly three collections lawsuits against me. I also had a process server knock at my door.
I have requested a refund from these people but that may never happen and may consider recuiting other "victims" of Debt Settlement USA" for a class action lawsuit.
Best of luck !