I am a full time student trying to get all my debts paid off.I have been a member of FCC for two years and my payments have been made to my creditors. Not always on time but made none the less.
I recently quit my job to pursue my education and in doing so I wanted to send FCC my final pay off balance of 1859.21 because I could no longer afford for them to withdrawal money out of my account.This was check was sent in the form of a Cashiers check from my bank to the company, certified mail on 09/24/08. I called the company several times and they received my check and signed for it on 9/26/08 and according to my bank cashed it in a Wachovia account (which is currently open) on 9/29/08.
The company as of 10/07/08 had no explanation as to why my funds had not been sent to my creditors but assured me it would be taken care of. Still nothing so I called again to find out that the company no longer exist. Amberican debt counseling took FCC's clients but not their financial issues and well there is nothing they say they can do.
My uncle is a Lawyer in Florida and says that if this company went out of business they don't have the money to pay me what they stole from me. I think there is something that can be done and would like any additional information anyone has to help. I have filed a report with the Better Business Bureau, Florida Consumer Services and the Florida Attorney General.
They took 709 in beginning, charged too much each month for a fee, and now have basically stolen 660.00 out of my bank account and have not paid it to my credit card company as promised. They have apparently closed up shop, and sold my remaining debt management payments to a company called ADC. I am getting no where. Phone calls unanswered, message machine filled up and not taking anymore calls, emails returned as undeliverable etc etc.
I enrolled in a Debt Management Program with Family Credit Counseling Corporation in 2004. Family Credit Counseling Corporation agreed to pay my creditors in a timely manner. FCCC withdraw funds twice out of my checking account 6 months in a row, they did not dispurse payments to my creditors 7 months. Most recently American Debt Counseling Corporation took over the clients under the FCCC program. I submitted a payment to FCCC on 10/14 and the funds were supposed to be forwarded to American Debt Counseling Corporation and they were not. I am now out of pocket about $3, 000 and the new company American Debt Counseling Corporation is stating it is not their problem. FCCC has stolen the funds and that is illegal. Clients should be reimbursed for the funds that were never disbursed. All the contact numbers for FCCC have been disconnected or never any answers. How can I get my money back?