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Did I Just Get Screwed By The Achievable and Campos Chartered Law Firm? – Jan

“Dear Steve,

I went thru “the achievable” whom set everything up with campos chartered law firm. They have refunded 25% of what i payed them to get me out of debt. I now have paid out more than the original debt. is there any way that i can claim the loss to off set they amount that i was able to have cancelled by the credit card that did not get taken care of by campos???????? or did i just get screwed again by the goverment?????? thanks and hope you can provide me with some helpful info


Dear Jan,

It’s not the government that screwed you. Ultimately where the problem lies is you entered debt settlement, the balances grew, you paid them a lot of money that did not achieve the goal and you still have residual debt.

What you actually have here is two different situations. One is the fact you went the debt settlement route which is problematic to begin with and typically does not eliminate your full debt and leads to people getting sued. The second is there was always an issue about how charged off debt is handled by the government. If you are not insolvent, it’s taxable.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

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.

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