I got a call from ADSI (Able Debt Settlement) in October to help me with my credit card debt. They gave me a plan and it seemed reasonable. They did not tell me the dangers of debt settlement and but said that all of my creditors would bend to the settlement because it wouldn't be worth it to them to pursue me any other way. Well it got really bad. I talked to someone about it about a month in. She told me to stick with it. I started getting letters from attorneys in my local area and just got a really sick feeling about this.

I decided to file BK and called to cancel ADSI. I was told they would process my cancellation and refund. Since they had not done anything but contact my creditors once I figured I would get half of the $600 + I had paid them. Well I got a letter in the mail stating that their fees had totaled $1600 + for what I don't know? They are not willing to provide me with a breakdown of services. They said they would not pursue the fees that they had not collected... yeah because there is NO basis for these fees! I feel like they misrepresented what they could do for me and now they won't give me any part of my money back nor provide a breakdown of services.