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!
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.
- Follow the refund process if you wish to terminate services and get money back.
- 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;
Please post your responses and follow-up messages to me on this in the comments section below.Big Hug!
Get Out of Debt Guy - Twitter , G+ , Facebook
If you have a credit or debt question you'd like to ask just use the online form .