Please share your experience with this debt relief company and provide your review and feedback, in the comments section below.
The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are some potential questions you might be able to provide feedback about.
- How did you feel about the customer service experience you received?
- Was the company easy to communicate with before or after you became a client?
- Did the company respond to your communications promptly?
- What were the fees charged for the services you received?
- Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
- Was the program successful for you and accomplish the goals you had when you entered the program?
- Did you have a really good experience you can share?
- Did you have a bad experience you want to share?
- Is there any other information you’d like people to know that might be considering the services of this company?
It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. But everyone does deserve to have an opportunity to express their opinion, even the debt relief company itself, be it good, bad, or indifferent.
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New one called Debt Arbitrators, same company. Watch out!
Uses website http://www.americandebtmediators.com/
Thanks for the tip. I’ll check into it tomorrow.
Scam, steer clear of these guys!
I signed with Credit Arbitrators last year June 2012. Because of all their fees I have only settled with half my creditors. Â My suggestion is not to pay your credit cards for at least 6 months YES IGNORE THE CALLS. And, then settle with them on your own. Â They will offer a settlement. They’d rather that then pay lawyer fees etc.
Credit Arbitrators takes a huge fee and you never get the same person on the phone.
I signed up with Debt Arbitrators after initially telling them I was not interested. After the sweet talking about how I would not have to miss any payments and assured it would not affect my credit in a poor manner, I agreed and was passed on to other associates that handle the actual case. I was told I MUST miss payments and it would affect my credit, which was not per the original agreement.After canceling once, the first person I spoke with assured me it wasn’t true – that the email is a blanket policy given to everyone, even those not “stiffing their creditors”, as well as those who are. Having agreed then to continue, I was told again that I would have to miss payments and it would affect my credit.
I finally had enough and had them cancel it. By then they already took their payment of over $600 from my bank account and I asked when I would receive it back. They replied I would not receive a refund.
Even though they never did provide the service they were to perform based on the original agreement that I would not miss payments and my credit would not be negatively affected, they made it clear they are not going to provide a refund.
In addition to this, they told me they were taking only two one-time fees for the payment merchant. I found out they had monthly fees lined up for the merchant, not the two one-time fees mentioned.
I was told I had only 3-days to cancel and the contract does say that. On the other hand, I signed the contract with the agreement that I would not miss any payments, etc. I did not sign the contract under the agreement I would miss payments, so on and so forth.
Tired of the scam, false promises and arbitrary decisions made outside of the agreement, I filed per forma with my local branch. I have yet to find out if I get the money back hassle-free or not.
The bottom line is, I signed the contract based on service they did not and would not provide as it was sold to me when I signed the contract. I don’t know where in the free world you are legally bound by contract if one party is not providing the service as described.
If you’re already screwing your creditors and your credit is in the whole, it doesn’t matter. I wouldn’t recommend these services to anyone who is trying to pay their debts off in good faith because you will end up in the whole by the time you’re done.
I wish I never used Credit Arbitrators. I entered a 30 month program to settle two accts. I was not told up front that the one account was notorious for going straight to litigation vs debt collection settlement (I learned this after being summoned to court). As instructed, I faxed the office every time I rec’d correspondence from either acct and asked what I should do to follow up. I never rec’d a telephone call from them – ever! One of my major accts offered a settlement which was more than reasonable considering the balance. I called Credit Arbitrators and they said I had not reached my target for lump sum payoff and to ignore future offers as such. I was able to settle with my smaller acct (vs going to court), but even so I had to come up with an additional $3000 in 30 days to satisfy the difference in the balance I had accrued with Credit Arbitrators. During the same week, the collector for my larger acct extended the same reasonable payoff to settle the account in ONE YEARS TIME for somewhat more than what I was already paying Credit Arbitrators. Keep in mind Credit Arbitrators wanted me to stay with their program for the remaining 18 months, paying a monthly sum of money – why, because most of my money was going in their pocket. I accepted the creditor’s offer and informed Credit Arbitrtors that I had settled the account, AS WAS MY GOAL. Credit Arbitrators was not pleased and then informed me I owed them the balance of service fees for the larger account for the duration of the program. If I did not pay this, they would not release the money for my smaller account. It didn’t matter if I settled the account on my own, they still wanted their money. It was a forced issue. In the end, Credit Arbitrator “saved” me a whomping sum of $90 off an already reduced offer. They have done nothing but take a LARGE sum of my money to which I could have applied to an independent settlement on my own behalf. Honestly, if you follow the rules of this program, you can literally set aside your own funds and if you let an acct go into default, they will offer you a settlement anyway. Credit Arbitrators did nothing for me. IMPORTANT TO NOTE: Once you do settle with your account, you will be issued a 1099 form from the IRS. You WILL be taxed on the difference in settlement as income. I didn’t read that in the small print. I don’t know what other programs are available for debt relief, but I do not recommend Credit Arbitrators.
 Good for you to have spelled out to others who read this that debt settlement companies are not doing anything you cannot do for yourself. It is unfortunate though, how you came about this knowledge. You fell for a sales pitch. That simple.
Would you say that had you researched more about settling with banks yourself prior to falling for the pitch, that you would have chosen differently? I only ask because the information about how to be successful at this on your own has been out there in plain site for many years. People either don’t research it, or don’t understand what they are reading until after they are in the thick of paying or failing at their settlement plan through one of these companies.
By the way, a little clarity on what you said:
“Once you do settle with your account, you will be issued a 1099 form
from the IRS. You WILL be taxed on the difference in settlement as
income.”
That is not the whole story on taxes related to debt settled. If you save more than 600 bucks in the settlement, the amount forgiven is considered taxable income by the IRS. You won’t necessarily pay the tax though. If you are insolvent at the time of settlements you can submit IRS form 982 with your tax return and escape the tax.
Be sure to research this and find out if you are solvent at the time of settlement and should be paying the tax. Don’t fail to do and understand the research on this important topic like you apparently did when falling for a slick debt settlement sales pitch.
i hate to say this but so many of you are misinformed by the way that these types of businesses are ran. Â this is not a scam and the company does not prey on the weak. Â This is an involuntary enrollment program where people are able to get out from under unsecured debt when no other way will work. Â its a fantastic alternative to bankruptcy a lot faster than consolidation.
if you listen to the people that think that they got screwed over, they just didn’t listen to what the program really does. Â you have to understand the way that it works before you sign up.
every company has complaints, every company has rude cs reps, and every company has sales people that don’t follow up. Â I would love to see the day when people who are actually informed post on discussion boards like these to answer people’s questions.
to all of those who are looking for help getting out from under a lot of debt, know that a program like this will hurt your credit if you are not already behind on your payments. Â if you are, which most people that have a lot of cc debt are, then it won’t make a difference. Â This program works in a way to where the company is able to make money, the customer is able to save money and get rid of debt, and the banks get money that they would most likely not be able to get (in the case of bankruptcy, charge-off, or collections).
this type of program is not for everyone. Â no one ever claimed that it was. Â all of you out there who were offered this and didn’t like it or were offended, know that this kind of debt management helps countless people who actually need it.
again, for people who are interested in this service, get with someone who knows their stuff and talk to them about the different ways to eliminate debt. Â this is not the only way and in some cases is not the best way for people.
either way, good luck to everyone.
btw, if any of you are interested in learning how credit card companies really work, i would suggest watching the documentary “maxed out” so that you will have more of a sound understanding of everything. Â here is the link for those of you who are interested.
http://www.youtube.com/watch?v=vR2c_K8rbqQ
I joined Credit Arbitrators in June 0f 2011 after I got bed bugs in my apartment. I qualified for the program because of my debt to salary ration. Yes you do stop making payments to your cards. Â To date, which is 8 months later they have settled 2 of my 4 cards. I find them very professional and helpful when I call. It’s better than bankruptcy because at least you are paying your debt at a lesser value. The calls don’t stop from creditors but they have to wait for a debt to be far enough outstanding to settle otherwise the companies don’t understand why your not paying the bill. I have learned a lot and will no longer use credit cards. Â It’s a bad cycle to get into. Â
I just opened there mail about an hour ago….after I calmed down,I realized wait a minute I do not have any credit cards,nor any outstanding bills.They also enclosed a fancy “WINTER CATALOG” trying to sell money belts, money bags ,money maze bank,plastic atm machine,steelcraft home safe, and the big one a TELE-ZAPPER. lol lol. Now there phone number is 1 800 900-6068 Ha ha.  Fat chance I will even call these yahoo. more like I will file a complaint with my postmaster for deceptive mailings, they are now with an address of 6200 Tennyson Pkwy Suite 200 Plano Tx.75024
I was ignoring all their letters, but today I received a “Final” activation noticed and I finally googled them. I don’t have any credit card debt and decided not even bother calling them after I read all posts.
Debt Settlement should only be used by consumers that can not pay their bills and are already behind. It should be ised pnly as an attempt to satisfy tje debts through settlement and avoid bankruptcy.
I hope this scum bag company gets put out of business fast!!! They sent a letter addressed to me at my business address on pink letterhead without marking personal so it was opened at the front desk before it was placed on my desk…it has an account number, a $ amount and in bold letters states that a debt mediation program is available to me…..now my employees think I am having financial problems!!! This is unsolicited, deceitful and should be an illegal way to market. DO NOT TRUST this company…I made 4 phone calls in total trying to get to the bottom of how they targeted me and got hung up on by the first 3 people. They are unprofessional and just hoping to take advantage of someone who doesn’t know better!
I thoroughly agree with Carolyn. I received the very same thing at home and thought somehow someone had hijacked my name & rung up $30,000 in debt on some phoney account number. I called them immediately and found out that it is deceptive because it is not indicating that I owe that money, but “IF” I did owe, then they could save me so many thousands of dollars and then she told me that the information (amount of debt listed) is public record. I told her it was no such thing as I do not have that kind of debt and that I was reporting them to our State Attorney General and I have done so by letter to both our AG & to Credit Arbitrators. What they do in offering debt reduction services is probably just slightly this side of the law, but the mail is unsolicited and deceptive and I told them to put me on their “Do Not Mail” list, both verbally and by the letter I sent to them and our Attorney General (State of Washington)
I agree with Carolyn. CreditArbitrators, LLC is VERY deceitful. I received 4 letters, each one progressively more intense until I received the “Final Notice Enlosed” letter. Each one had a “Warning: $2000 fine, 5 years imprisonment, or both,…..” notice on the front of the envelope to make it seem more official. After the 3rd notice I got nervous that maybe my identity had been stolen so pulled a credit report. No debt. So, I called the company and told them that I found their letter misleading. I was informed that the letter is an “advertisement”! I did read the small print so knew that the “Balance” shown was an estimate but with an account # and balance at the very top of the letter it is very convincing. I can see how many people, especially the unsuspecting elderly, would be confused. I will report this company to the BBB and state attorney general. I would advise people to stay away from a company who uses these deceptive tactics to gain business.
you really need to get a life. So upset about a freaking advertisement? Oh my God, I got 4 letters!!!!! Wow. You are going to say a company is deceitful based on their advertising practices ??? I guess every company is deceitful then. If you haven’t had business dealings with this company then you need to not comment.
Oh and every makeup company that says you will have less wrinkles for using their night cream is deceptive as well… get over it it’s American capitalism at its best. Have you been living in a closet?? Don’t bash the company unless you have been n their program and know the details. If you don’t owe your credit cards money you wont need to use them anyway.
Its a solicitation mailer, if you let the mail get you that upset then why are you not getting upset with all the mail from creditors offering you another credit card, or your local grocery store with coupons on things that are already discounted down. Or the advertisements for less wrinkles or diet programs are you mad at them for insinuating you have wrinkles or are over weight???
Think before you get so angry about legal advertising methods.
I hope this scum bag company gets put out of business fast!!! They sent a letter addressed to me at my business address on pink letterhead without marking personal so it was opened at the front desk before it was placed on my desk…it has an account number, a $ amount and in bold letters states that a debt mediation program is available to me…..now my employees think I am having financial problems!!! This is unsolicited, deceitful and should be an illegal way to market. DO NOT TRUST this company…I made 4 phone calls in total trying to get to the bottom of how they targeted me and got hung up on by the first 3 people. They are unprofessional and just hoping to take advantage of someone who doesn’t know better!
Im in the process of being explained the fine print from chris yapel of crdit arbitrators. Â He has seemed to be very thorough with how the program works and admits its up to a 36 month process. He says they cant negotiate until you stop making payments to your creditors in order to show youre in financial distress. during that time (months) youre setting aside that money you typically pay every month on your credit cards into a savings escrow account (global client solutions) is where he said my money would have to be saved; because gcs deals strictly with these debt type accounts and credit arbitrators can “see” my progress of setting aside money so they can begin to negotiate when i have sufficient funds to do so. I love the sound of how everything works and think it could work as long as the creditors (citi,chase) in my case wants to eventually negotiate. I think im not going through with it simply because of their grade on BBB; BBB says that its mostly because of lack of info but also they havnt responded/done anything to up their grade.
In order to “improve a grade” with the BBB many purchase a “membership” as you see in store windows “Member of the BBB” that comes with a price tag. How silly would it be for a company that is trying to save their clients money spend extra money on some silly rating. Also, the BBB does not know how to rate settlement companies they do not have any parameters so they could not rate a settlement company fairly anyway and the BBB has done nothing to change this about themselves so that a settlement company could get a fair rating if it was available.
 A rep at this company has informed me they service over 10,000 clients and according to the BBB there are only 47 complaints and most are about advertising and as you can see many people get upset when they receive solicitations in the mail. So that is less than 1% dissatisfied customer ratio. You should not let this stop you from getting professional help for debt relief.
you should thank your lucky stars you didn’t go through with it. Unfortunately I, too spoke to Chris Yapel who was very INFORMATIVE…Unfortunately I learned later that the responses were evacive..I was in a rehab center right after I signed so for 45 days I was unable to control what was going on…After 10 months of $539 per month ($5390) I was told they had two offers from balances of $6,500 down to $3,200. but you see they only had enough money to pay for one My accrued money was only $1800…the rest went them as “profit” of 12.5% of the total debt plus $20 per month service fee. I stopped and started negotiating with my creditors – in a matter of days I sold jewelry, borrowed, begged and negotiated $16,000 down to $7,000.  And it cost me NOTHING….I SPENT $3,000 FOR NOTHING. I AM SO ANGRY I CAN HARDLY CONTAIN IT. I agree that it was my fault for not reading every line, every fine print and not knowing that I COULD NEGOTIATE MY OWN DEBT… BETTER THAN THEY COULD AND FOR A HELLA LOT LESS. I WAS STUPID, STUPID, STUPID. These people are no better than vultures, preying on the desperate..no better than the vultures that caused this country to go down the economic toilet…But we all have to make a living and what better way then to help the helpless become more holpless….
 Credit Arbitrators may not be a “scam”, but they are SCUM that prey upon uninformed people who are painfully naive bordering on completely clueless. Here’s why…
ALL of the debt “mediation” services do TWO things:
1–“Negotiate” with your creditors to reduce your balance to a lower figure, and have you sign an agreement to payoff that lower amount in a specified amount of time-usually 12-24 months. HOWEVER, they’re not very good at this-a skilled attorney can usually get your balances down to 40-55% of their original amounts; these lowlifes, maybe 65-80%. More on this below…
2–Charge you outrageous fees and ridiculous terms for their so-called “services”. A friend of my wife signed on with one of these shysters; she had to agree to allow them to direct-debit her checking account weekly to the tune of $340…of which $120-fully 35%-was described as “fees for services, attorney’s fees, and escrow”. Worse yet, they would not begin “negotiating” with her creditors until she had “deposited” 20% of her balances ($2900 on a $14500 balance) with them…so, a full FOURTEEN WEEKS-roughly 3 1/2 months-would pass…and she was instructed to (a) not pay any creditors, or (b) negotiate on her own, or else she would FORFEIT all monies “deposited”. You want to deal with those incessant phone calls for that long-and beyond?
Keep in mind that, since you are not represented by an attorney in your home state, and/or you are not filing for bankruptcy, your creditors CAN and quite likely WILL sue you for payment of the FULL balance-even if you’re lucky enough to reach the “negotiation” phase. Remember that “attorney’s fees” mentioned above? If you read the fine print in the 20+ page contract, they might say that if you are sued, “We will make every effort to retain an attorney in your state, but we cannot guarantee that an attorney will be able to represent you in court.” In other words-YOU ARE ON YOUR OWN.
If you are in such a financial hole that you might be considering such dirtbags, I beg you to get a free consultation with a local attorney-most will give you up to an hour of their time to discuss your options…legitimate credit counseling services (most are non-profit), or Chapter 13 or Chapter 7 bankruptcy.
Take our friend as an example…IF the mediation service was lucky enough to negotiate down to 65%, that’s $9425, which would take 43 weeks total to payoff. Take that 43 weeks times $120, you’ve paid the service $5160! My wife and I are in the midst of doing a Chapter 7-our attorney’s fee? $1200…and that includes the $395 federal court-mandated filing fee! So, you want to pay an extra $4000 to someone who cannot represent you in court, AND still have a big debt to payoff? Go right ahead…
By the way, here’s a couple of links to the BBB ratings for these clowns…note the big ‘ole F they got:
http://www.bbb.org/dallas/business-reviews/debt-relief-services-requested-information-not-provided-to-bbb/credit-answers-in-plano-tx-90028824
http://www.bbb.org/dallas/business-reviews/debt-relief-services/credit-arbitrators-in-plano-tx-90315469
SCUM and SCAM are the same thing on a thread like this. They either “ARE” or “AREN’T” doing good. You say some things that show you don’t have a ton of experience in the debt settlement world, but wait, don’t take that as an insult. That means you write genuine, and from the heart. That’s cool.
Sorry to hear your friend got hosed. Until people start actually fighting back these scams will continue to pillage the desperate and the needy. Â
First, your points of reference for BBB – you must buy a membership; the BBB has also given F ratings to top chefs and top hotels that would not pay their membership fee.
Second, Settlement is a viable option for people that do not want to SCREW the rest of the economy by walking away from their debt with a chptr 7. On top of that Bankruptcy is FAR WORSE on your credit and future than settlement. Yes, Chptr 7Â bankruptcy is cheaper and is the “easy” way out if you need that option. But, if someones situation is not yet that far gone then there are other viable options and settlement is one of them. The missed payments do damage your credit but, it can be repaired. CCC and debt management damage your credit as well as it shows as 3rd party intervention and you didnt know how to handle your own money. Also, there is no such thing as ‘non-profit’ when it comes to credit card companies and money and debt, the non-profit has to pay their employees some how, so they get a cut from the credit card company. Therefor they are working for the credit company and not the consumer. Whereas a settlement company is working for the consumer NOT the credit card company to make more money.
 And you cannot use one mediation company to compare all. As some are actually vaild and do what they say. As they are working with thousands of clients and millions of dollars in debt they are able to better benefit their customers than an individual attorney who is taking an in debt client becuase he/she is desperate for business and clients as you can assume someone is debt is not an attorneys ideal client as they charge $$ for their services and someone in debt does not $$.
If, a creditor chooses to sue you over credit card debt how smart is it to show up in court with an attorney that you had to pay for and tell the judge that you are too broke to pay your debts but you can afford to pay an attorney for court.
 It is a better idea to inform yourself and defend yourself if needed for the courtroom. You do not HAVE to have an attorney. There are many options, first option is to settle before it gets to that point and that is where an aggressive savings plan is set up thru a settlement company.
Please make sure you are fully informed before you start dishing out advice.
Shilling again!!
Their ‘official- looking’ advertising is very misleading – I have no debt problems and have received multiple mailings from them implying that I do. The small pint makes things a bit clearer, but not everyone reads that before reacting. I have found records of hundreds or complaints against this organization (check out BBB sites). These are the lowest of the low – people who prey on others who are already struggling and the naive and innocent (this kind of stuff frightens my elderly relatives terribly)
I agree with Reader. I had the same experience and like Reader h ave no debt problems. I didn’t really even notice the small print so I called. At first glance I thought somehow someone had hijacked my name & rung up $30,000 in debt on some phoney account number. I called immediately and found out that it is deceptive because it is not indicating that I owe that money, but “IF” I did owe, then they could save me so many thousands of dollars and then she told me that the information (amount of debt listed) is public record. I told her it was no such thing as I do not have that kind of debt and that I was reporting them to our State Attorney General and I have done so by letter to both our AG & to Credit Arbitrators. What they do in offering debt reduction services is probably just slightly this side of the law, but the mail is unsolicited and at the least misleading, and as far as I am concerned it is deceptive and I told them to put me on their “Do Not Mail” list, both verbally and by the letter I sent to them and our Attorney General.
I just did a Google search to see what was going on. We have no debt issues- and we are getting letters that read as if we have huge credit card debt that needs to be settled immediately. Even the fine print was sketchy. I was worried about identity theft or something. I am glad to read that they are being deceptive. I will report them to our AG, and tell them not to contact us again. Wow.
Encyclogirl
  Me to, I even gottheri Winter catalog of useless garbage. Take all of the envelopes they send to you to your United States Post Office,file a complaint with your postmaster,Post Office loves this stuff : )
Their ‘official- looking’ advertising is very misleading – I have no debt problems and have received multiple mailings from them implying that I do. The small pint makes things a bit clearer, but not everyone reads that before reacting. I have found records of hundreds or complaints against this organization (check out BBB sites). These are the lowest of the low – people who prey on others who are already struggling and the naive and innocent (this kind of stuff frightens my elderly relatives terribly)
No they are not scam. The only thing is that I find that not all of their customer care are helpful. I just wanted my account cancelled and yet I’ve been transferred many times. The person in charge of my account doesn’t care to call back and is very careless when calculating the debt owed. The person is always out of his desk every time I call and always asking for leave a message but never called back.
I even emailed and that person never cared to respond!
They only care if you will enroll but if you are cancelling, they don’t help out ASAP. It’s a good thing that some other customer care person is nice enough to help who doesn’t handle my account and transferred me to the right person to talk to in cancelling the account.
What’s even more disappointing is that the person in charge of my account seems to be out out of the office earlier than the other customer care. Because I called several times and other customer care person told me that he’s gone for the day when it’s only 2 hours before the close of their office. I will not recommend this company to anyone! I had a very horrible experience!
Not ONE person handles your account. That may have been your problem. They work as a team so that you do not have to depend on one person. Make sure you listen to their instructions and advice and you may have gotten better service. The question typically is why were you cancelling what else were you going to do at that point?
I have been in the program for almost 2 years. We are saving for our last 2 settlements. You do get collection calls but it was worth it for us. We had almost 50k in credit card debt. It’s almost gone. By December we will be done! It is scary because we are getting credit card offers in the mail from the same banks that screwed us in the first place. What a world!
How did it work for you?  How much was your settlement? How much was your payment?  Did it mess up your credit?
If you enter into a settlement program the missed payments will damage your credit but, once you eliminate the debt typically a credit score will automatically go back up. Your settlements and payments typically vary based on your individual situation and state you reside in. On average you can save about 60% off your balances.
The funny thing is most of the collections companies will settle for around 50 to 60% anyways, so you don’t do anything but pay a 3rd party to do what you would have got by just negotiating directly with the collections.
I have been involved with credit arbitrators since march 2011,i have been waiting for settlement in some bills that could have been paid totally since I have I had accumulated the amount, not only I continue to be harrassed by  the creditors and pushed toward more deliquency,I feel the process is extremily slow and put me in more problem than before, I decided to quit the program . Â
hello! i am also in this program since Dec of 2011 and i feel also that it is too slow. what happened after you quit to that program? and what plan you did next? pls reply
They are definitely not a scam. They have to follow strict guidelines due to new regulations that hit the industry just recently and you have to qualify for it. Keep in mind, how many people don’t follow the directions on a product and then say it doesn’t work. Same thing in following a diet regimen. If you don’t follow it properly, you don’t lose weight. They have a program that helps get you out of debt faster… without the painful side-effects that come with CCCS programs and bankruptcy. Number 1 reason it is the better choice? You are in control of your money, not some third party. Couldn’t be more satisfied.
Credit Arbitrators says “Debt Settlement is Your Answer.” Are you saying that’s the program that has less painful impact than credit counseling?Â
Obviously, a paid shill.Â
which company did you end up going with?
obvious shill!
What a shill!!
These guys are not legitimate they are oportunists preying on your misfortune for their own profit.
These guys are not legitimate they are oportunists preying on your misfortune for their own profit.Â
Anybody…? These guys legit or what?
Anybody…? These guys legit or what?
Scam, steer clear of these guys!! also does business as  Credit Answers