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We Got Scammed By a Company That Promised to Eliminate Our Debt. – Sdmom

“Dear Steve,

We got scammed and now we are in deep trouble with debt. We used a company that promised to help us eliminate our debt. We paid them double digit thousands of dollars for their help and now they do not exist. They told us to stop paying out debt and gave us tips on going to court. We have been sued by one credit company and they won and got lawyer fees also. Now we have 5 other companies we owe total little over 100,000 not including student loan and car loans. We are not worried about our credit because it is already shot we just want to be able to start paying without wage garnishing?

What should be our steps in order to start paying these companies since we got scammed so badly? Is there a way to stop having wages garnished?


Dear Sdmom,

You can stop the garnishment and suits with bankruptcy. You really need to go talk to a local bankruptcy attorney. Bankruptcy will offer you protection and as you said your credit is already shot so bankruptcy will be a route up and out of the current mess.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.


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.

P.S. Be sure to read ‘The Secret of Surviving Through Difficult Economic Times. What I Learned On My Journey‘.

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.


  • My husband called Carl starrett which has a office in the same city we live in. He was excellent with the questions hubby had. He said that he really feels good about this guy and feels like he really cares. Thank you so much for your help in finding this guy Steve.

  • We made an appt with a consumer credit company to find out how to start the process of bankruptcy. We live in California so there is a few laws that have been changed I believe. I know investing on the internet we are to have some counseling with a finacial plan to show the judge so this I assume is our first step?? thank you so much for answering me.

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