SCAM ALERT SCAM ALERT - they send notices that threaten collections but are trying to sell you debt consolidation services. It's misleading and possibly fraudulent. They do not print any license information in their letter which would violate the law for any financial company. I will be complaining to the state financial authority. Here's a tip, if you need to scare and mislead people to earn a living, your business is not respectable. You are bad people. Think about it and try to do something decent in the world. Unemployment is low, you don't have to hurt people to make a living.

Poor customer service I started the process some 3 months ago but I have not been given any feedback on progress made so far.I have sent out emails but with no response. They collected upfront instalments for ,2 month and I don't know where the money is sitting right now because I can't log into my account.An update would help and just keeping clients in the loop until the final process is completed.

The UDS counselors failed to inform me… The UDS counselors failed to inform me that even though the debts re renegotiated, the negative debt information stays on one’s credit report. Additionally, they are poorly equipped to help a costumer figure out what to do about it and would not help get the information removed from one’s credit report. Would not recommend this service to anyone.

Don’t do it! We used this company in good faith to try to help us. We were constantly having to call them, never could get in touch with the person that was supposed to be helping us. Then when we were finally what we thought were finished with everything, over a year later we still had companies coming to us for monies. Everything that companies wrote off had to be claimed on income taxes leaving us in almost as much debt with the IRS.

Worst organisation to call into your… Worst organisation to call into your life for help!! All they care is their own fee collection- after two years being with this program, paying them up to five hundred dollars every month I find out that I have none of the credits paid off!!! Calling them first hand was biggest mistake, and recommending them to others make a me feel guilty very much!!!!