HI glfrswyf,Unfortunately there is nothing I can do legally - they make sure to put no promises in writing - everything but the agreement to send them the money is verbal. They did tell me about the "negotiation" time period - unfortunately that comes in the packet they send AFTER you sign up and pay the first payment. If I would have known ahead of time about their negotiation timeframe I wouldn't have fallen for it. The counselor made it sound like he had already talked to them and had gotten me these great interest rates - which of course he got out of some book or something - (the rates he promised on a couple were no where near the actual rates negotiated - but they are lower than the original rates.) When I confronted him on this fact he stated that he never "told" me that he talked to them and that according to Maryland state law he couldn't start negotiations until after the first payment had been received. So he didn't actually tell me that he had talked to them, just inferred that he had by telling me that he had worked out these rates for me. I assumed that he had worked them out with someone at the CC companies, not with a book, or dart board, or palm reader, or whatever.. Oh well - I see from another reply that I did manage to convince someone that going with Ameridebt isn't a very wise choice...lanna
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