Top Savings contacted me. I wasn't sure how they got my cell phone number and was leary of the call. I still listened, wrote info down and tried to research the company before committing. I had a gut feeling it wasn't worth doing, but wanted to get my debt down so thought it would be a way to do it without damaging my credit report. I was told that I would be charged immediately $549 and if they were unable to find me a source to consolidate my bills after 3 attempts, that if I sent everything back including the 3 rejections letters that I would receive $499 back.

3 companies turned me down. I followed Tops Savings' directions to the letter PLUS I sent it all with a signature required for receipt! Top Savings received the complete package with rejection letters. They sent me some other letter to sign to to verify the amount. I sent it back and called them. They confirmed all was received and was now in process for the refund, but not to expect the refund for about 8 weeks!

I have waited patiently... it has been 8 weeks now... still NO REFUND! I'm sure they expect people to forget about it. I haven't, and I won't till the money is back in my account!

Today I sent an email letting them know I expect the money by Oct 31 or I will look into legal action. I truly hope that will not be necessary!