I was contacted by GHS Solutions about 2-1/2 – 3 years ago asking me if I would like to be debt free.
I eventually gave in believing they could help me.
When I asked if I could be sued, I was told that creditors can do it and they will in very rare cases but that he really doubted it would ever happen to me because my debt wasn’t very high.
Anyway, I have been sued, twice by the same creditor. They have already put a lien on my house ($6000.00 debt). I must appear in court on November 3rd and when I sent the supplementary summons to GHS 3 weeks ago, I was told they do have legal services but I must pay $50-$100.00 additional to ask a lawyer questions before appearing in court on November 3rd.
GHS has been deducting money from my account $144.00 a month for about 2-1/2 years now. THey have already deducted their fee of about $1500.00 – 2000.00 from my account and I found only after being sued that they have not been sending any money to my creditors. They have been saving it in an account for me. This was all news to me and quite a shock. They have paid off one of my small debts (about a year ago), but I am furious that they can not help me and are actually asking for more money from me to pay for a phone call to (one of their lawyers).
I am planning on appearing in court by myself on November 3rd and just being honest about being taken by GHS. Do you feel this is a wise decision? I thought if I did that I could just start paying the creditor $144.00 a month instead of GHS and maybe they will accept that? I really can not affort a higher payment than that monthly now. Please help if you can.
Dear Anne Marie,
So here is the underlying problem. Once you stop paying your creditors the minimum contractual payment they may avail themselves of all remedies under the law and in accordance with your agreement with the creditor. No third-party debt relief intervention, besides bankruptcy, will prevent you from getting sued if that’s what the creditor wants to do.
I’d be upset as well if I was in the same situation. Other consumers have been upset about GHS and GHS Solutions has been the focus of other lawsuits.
I would suspect the bulk of the money you’ve paid to GHS Solutions to date has been taken as fees and there is little money in your escrow account to use to settle with the creditor in question. If that’s the case your options at this point are limited. You could come to a payment arrangement with the creditor in question yourself, go to court and probably lose, or discharge your debt with bankruptcy.
If you are interested in asking GHS Solutions for a refund, you can follow this guide.
Please post your responses and follow-up messages to me on this in the comments section below.