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I Feel Like GHS Solutions Took Advantage of Me. – Lauren

“Dear Steve,

I too, like many others, feel as if I’ve been taken advantage of by GHS Solutions & was wondering if you could provide me with feedback in regard to the relevance of my complaint.

In October of 2009, I had signed a contract with Global Client Solutions, GHS Solutions & Rocky Mountain Bank & Trust. Since that time, they have routinely extracted a total of $9,630.80 from my personal checking account which has gone towards set-up fees, retainer fees & monthly fees, while a significantly smaller portion had been set aside so that it could be utilized for the purposes of actual debt settlement ($2,483.08). As I understood it, their fees would be collected prior to contacting any of my creditors so this, in & of itself, is not the issue.

Because I hadn’t accumulated enough of funds for GHS to contact any of my creditors in order to negotiate a settlement, I had been sued by a collection agency/law firm in the interim. I had contacted GHS to inform them of the suit on 2/8/11. After forwarding to them the litigation documents that they had requested, I contacted them again on 2/10/11 to ensure receipt in its entirety & to inquire about how I was to proceed. I was told that since this had now become a legal matter, that they had assigned an Arbitrator to my case & that she would be contacting me shortly. Over a week had passed & I had heard nothing. As a result of several calls (& emails) placed into GHS, I was finally patched through to Jada, my Arbitrator, who was unapologetic about her avoidance of me but had assured me that she would contact the collection agency/law firm to begin the negotiation process immediately, having been in possession of the documents & funds necessary to proceed. I contacted her on 2/25/11 & again on 3/1/11 to receive a status but had not heard back from her until 3/3/11, at which time she had informed me that she required additional documents from me (my university transcripts of all things) which I promptly accommodated her with.

To synopsize: GHS is in possession of $9,630.80 of my funds & has yet to begin the negotiation process with the party that has issued suit against me. Despite the fact that it’s now approaching 1 month since they have been notified of said suit, what I found most infuriating is Jada’s negligence in this matter. That said, I started scouring the internet for information in regard to any complaints that had been issued against GHS in reference to their practices & procedures & stumbled upon more than I had bargained for.

When I had initially signed a contract with GHS, I was technically a Florida resident but had notified them that by week’s end, I had intended on relocating to New Jersey. While my contract bears my Florida address, all correspondences after the initial one had come to my New Jersey address (since I had known where I was moving to, I had notified them of where they could reach me). In reading forum after forum, I’ve come to understand that it’s illegal for GHS to be doing business with me, seeing as how New Jersey strictly prohibits for profit debt settlement firms from entering into agreements with & negotiating on behalf of New Jersey residents, such as myself.

Long story even longer, this is my question: I would love nothing more than to have GHS refund my money in full but understand that because I had signed a contract with them which states that if I cancel my account with them, they are entitled to keep any fees that they had collected up until the time of cancellation, that they may not honor my request. But… because I feel as if they’ve breached their portion of the contract that we had entered into by not providing me with the service they had agreed to, in addition to unlawfully doing business with an individual entity in New Jersey, do you feel as if I have the right to request that our contract become null & void on the basis of it being (at least) misleading & (at most) illegal & ask that they refund my money (at least in part)?

Any feedback you could provide me with would be helpful & I’m so incredibly grateful for your assistance in advance!

Lauren”

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The Answer

Dear Lauren,

I was a bit surprised that when you notified them you were being sued they did not jump on it faster. I suspect that nothing has been done about this and I’m worried your court date may have already passed. If so, you may have already lost by default and a future judgment may be issued and even a wage garnishment.

I’m not quite sure if the arbitrator was to arbitrate with you or the creditor. It seems like the person you mentioned was giving you are hard time as you tried to negotiate for some action.

I would suggest you follow two courses of action.

  1. Follow the refund process if you wish to terminate services and get money back.
  2. You might want to contact the following attorney that recently filed a class action case against some of the players in your situation. They might be interested in what you have to share.

    Joseph M. Pinto, Esquire,
    Polino and Pinto, P.C.,
    720 East Main Street,
    Moorestown, NJ 08057;
    phone 856-727-1777;
    fax 856-727-1546;
    email jfpolinoatprodigydotnet

Please post your responses and follow-up messages to me on this in the comments section below.

Big Hug!

I Feel Like GHS Solutions Took Advantage of Me.   Lauren
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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Mallen

    I am completely disgusted with GHS. 
    They lure you in with promises and then fail to deliver.  I
    followed their instructions to the letter and got nowhere.  I
    received a subpoena for court after they failed to communicate with
    one of my creditors and upon calling, I was told the legal department
    would respond and handle the response to the court for me.  I
    was very skeptical as they had not taken care of their job to that
    point so I called on day 15 of the 20 I had to reply to the court and
    low and behold; nothing had happened. I then took swift action as I
    was scared to death and negotiated a settlement of 40% on my own and
    within 5 days I was paid off on my major creditor.  After
    negotiating my own settlement for one of my two accounts, I then
    turned my attention to my remaining debt.  GHS transferred with
    my consent an additional sum which they were certain was enough to
    pay my remaining creditor.  I was told they would be settled
    within 10 days.  Now here I am one full month later, 25 phone
    calls, 10 disconnects (that’s what they say), and 2 hang ups by
    supervisor (Jason, who is located in Costa Rica along with their call
    center) with nothing.  The phone reps can only assure me they
    are working on it and give me grief over demanding a supervisor. 
    After speaking with a supervisor he tells me the collection agency
    was let go by my creditor and a new third party was not yet
    assigned.  I asked why nobody else could tell me that as I spoke
    with 6 people since the debt recall had taken place.  Of course
    Jason had no answer for my question and let me know all the reps are
    very well trained.  I asked Jason to own my issue since they
    have the money to settle and could get rid of me forever, however
    Jason refused to do so as this would make him too busy.  His
    exact words were, “imagine if all our clients asked me to do
    this.”   What a joke!  25 calls and nobody wants
    to get this settled and done; then I realized I’m coming up on
    another monthly payment due.  In order to avoid another payment,
    I called my credit card myself to negotiate as I knew they would
    certainly do whatever they could to get their money.  I was
    promptly transferred to another area which ended up being the new
    debt collector.  Here is where it gets really good!  The
    new debt collector (ESA Processing) is actually a larger portion of
    the company which owns GHS!  The debt which was to be settled
    was being managed in house with GHS!!!  The kicker to all of
    this is the merger of GHS took place in August 2011 and here we are
    in November and GHS people (again in Costa Rica) had no idea! 
    How could they even begin to help if they don’t even realize their
    parent company owns the debt!  So after talking with ESA, I was
    ensured my account would be settled in 24 hours.  I immediately
    received and offer via email and I called GHS back as the ESA rep
    stated I had to work through them.  After 2 more phone cutoffs,
    I finally get a rep and state I have an offer and I would like to
    accept the settlement and have them paid within 4 days.  The
    offer was $189.95 more than what I had saved with GHS, which the rep
    was quick to let me know about.  After confirming (for the
    second time as I let her know immediately upon answering) I wanted to
    have her draft the money out of my account and pay the creditor; I
    was placed on hold.  Guess who answered?  Jason, my
    supervisor who hung up on me just an hour earlier.  I managed to
    do in 1 hour what they couldn’t do in a month.  Jason informed
    me I didn’t have enough money and so for the 3rd time I once again
    explained what needed to happen (funny when I transferred a lump sum
    of 1000.00, I had no trouble). Jason asked to record the
    conversation, which is standard and I agreed.  Jason agreed to
    take money from my account (his math was 60.00 off to the low side so
    we still wouldn’t be able to settle) and then they would settle by
    November 18 (which is the day after another payment would be drafted
    from me!).  I let Jason know first his math was wrong and second
    the account needs to be settled in 4 days (in order to have enough
    time to cancel my direct draft they would take, which would leave me
    fighting them for 300.00 later).  Jason got an immediate
    attitude and said he would take the money and process the payment. 
    When I asked how much he was going to be drafted since his math was
    wrong I was given the response of, “Why don’t you tell me!”. 
    As you can imagine, I was shocked as a company was going to take
    money and couldn’t / wouldn’t tell me how much.  After demanding
    to know how much would be taken Jason told me he could do the math
    and then hung up on me!  I know from experience by the
    previously mentioned draft of 1000.00, 24 hours could not happen as
    the promise of my money being taken in 24 hours is incorrect because
    it takes 48 hours to process (apparently he didn’t know or didn’t
    care as he assured me the money would be gone).  So now I will
    have to follow up with 3 or 4 calls tomorrow to confirm amount and
    date for withdraw and when my settlement will be mailed.  So to
    sum this up; I’ve paid GHS over 1000.00 in fees and they’ve done
    absolutely nothing!  I almost went to court, I settled both
    debts myself (for the same % as they promise, and I may lose a very
    good job opportunity as I have this lingering debt which should be
    gone as of 2 weeks ago.  To say I’m very unhappy is a severe
    understatement and I am now know all they desire is to get rich off
    of hurting people.  The underlying question is why are we
    calling Costa Rica when Americans need jobs, but again we know it’s
    all about the mighty dollar! 

  • Mallen

    I am completely disgusted with GHS. 
    They lure you in with promises and then fail to deliver.  I
    followed their instructions to the letter and got nowhere.  I
    received a subpoena for court after they failed to communicate with
    one of my creditors and upon calling, I was told the legal department
    would respond and handle the response to the court for me.  I
    was very skeptical as they had not taken care of their job to that
    point so I called on day 15 of the 20 I had to reply to the court and
    low and behold; nothing had happened. I then took swift action as I
    was scared to death and negotiated a settlement of 40% on my own and
    within 5 days I was paid off on my major creditor.  After
    negotiating my own settlement for one of my two accounts, I then
    turned my attention to my remaining debt.  GHS transferred with
    my consent an additional sum which they were certain was enough to
    pay my remaining creditor.  I was told they would be settled
    within 10 days.  Now here I am one full month later, 25 phone
    calls, 10 disconnects (that’s what they say), and 2 hang ups by
    supervisor (Jason, who is located in Costa Rica along with their call
    center) with nothing.  The phone reps can only assure me they
    are working on it and give me grief over demanding a supervisor. 
    After speaking with a supervisor he tells me the collection agency
    was let go by my creditor and a new third party was not yet
    assigned.  I asked why nobody else could tell me that as I spoke
    with 6 people since the debt recall had taken place.  Of course
    Jason had no answer for my question and let me know all the reps are
    very well trained.  I asked Jason to own my issue since they
    have the money to settle and could get rid of me forever, however
    Jason refused to do so as this would make him too busy.  His
    exact words were, “imagine if all our clients asked me to do
    this.”   What a joke!  25 calls and nobody wants
    to get this settled and done; then I realized I’m coming up on
    another monthly payment due.  In order to avoid another payment,
    I called my credit card myself to negotiate as I knew they would
    certainly do whatever they could to get their money.  I was
    promptly transferred to another area which ended up being the new
    debt collector.  Here is where it gets really good!  The
    new debt collector (ESA Processing) is actually a larger portion of
    the company which owns GHS!  The debt which was to be settled
    was being managed in house with GHS!!!  The kicker to all of
    this is the merger of GHS took place in August 2011 and here we are
    in November and GHS people (again in Costa Rica) had no idea! 
    How could they even begin to help if they don’t even realize their
    parent company owns the debt!  So after talking with ESA, I was
    ensured my account would be settled in 24 hours.  I immediately
    received and offer via email and I called GHS back as the ESA rep
    stated I had to work through them.  After 2 more phone cutoffs,
    I finally get a rep and state I have an offer and I would like to
    accept the settlement and have them paid within 4 days.  The
    offer was $189.95 more than what I had saved with GHS, which the rep
    was quick to let me know about.  After confirming (for the
    second time as I let her know immediately upon answering) I wanted to
    have her draft the money out of my account and pay the creditor; I
    was placed on hold.  Guess who answered?  Jason, my
    supervisor who hung up on me just an hour earlier.  I managed to
    do in 1 hour what they couldn’t do in a month.  Jason informed
    me I didn’t have enough money and so for the 3rd time I once again
    explained what needed to happen (funny when I transferred a lump sum
    of 1000.00, I had no trouble). Jason asked to record the
    conversation, which is standard and I agreed.  Jason agreed to
    take money from my account (his math was 60.00 off to the low side so
    we still wouldn’t be able to settle) and then they would settle by
    November 18 (which is the day after another payment would be drafted
    from me!).  I let Jason know first his math was wrong and second
    the account needs to be settled in 4 days (in order to have enough
    time to cancel my direct draft they would take, which would leave me
    fighting them for 300.00 later).  Jason got an immediate
    attitude and said he would take the money and process the payment. 
    When I asked how much he was going to be drafted since his math was
    wrong I was given the response of, “Why don’t you tell me!”. 
    As you can imagine, I was shocked as a company was going to take
    money and couldn’t / wouldn’t tell me how much.  After demanding
    to know how much would be taken Jason told me he could do the math
    and then hung up on me!  I know from experience by the
    previously mentioned draft of 1000.00, 24 hours could not happen as
    the promise of my money being taken in 24 hours is incorrect because
    it takes 48 hours to process (apparently he didn’t know or didn’t
    care as he assured me the money would be gone).  So now I will
    have to follow up with 3 or 4 calls tomorrow to confirm amount and
    date for withdraw and when my settlement will be mailed.  So to
    sum this up; I’ve paid GHS over 1000.00 in fees and they’ve done
    absolutely nothing!  I almost went to court, I settled both
    debts myself (for the same % as they promise, and I may lose a very
    good job opportunity as I have this lingering debt which should be
    gone as of 2 weeks ago.  To say I’m very unhappy is a severe
    understatement and I am now know all they desire is to get rich off
    of hurting people.  The underlying question is why are we
    calling Costa Rica when Americans need jobs, but again we know it’s
    all about the mighty dollar! 

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