Patsy Whisper

Review of S&N Debt Solutions

Working with this company was one of the biggest m...

Working with this company was one of the biggest mistakes I've ever made. They lead you to believe they will start working with your credit card companies right away. Wrong. You make payments regular but they don't contact your creditors until there is a certain amount of money in your account. Therefore all my accounts became delinquent. Every one of them became four or five months late before they started working with anyone. When I began receiving notices from collection agencies I called and expressed my concern, saying I agreed to work with them to avoid this. They dismissed it saying, "Oh we've had great luck working with collection agencies." They also failed to mention the fact that if these companies write off your debt you then receive a 1099 which you have to claim as income. When asked about fees I was told oh don't worry that's included in your payment. Their fee is 30% of the settlement--of each settlement. Is that even legal? There were so many deceptions and lies by omission. Horrible company to work with. I'd have been better off to just work with each credit card company myself. Working with this company is one of my biggest regrets. So please, everyone. Find a different solution. This one only brought me more trouble and heartbreak than what I was dealing with before. If could find a way to shut them down I would.