ABC debt relief complaints - has anyone used debt relief?

Has anyone used ABC debt Relief? Has anyone got out of debt with this program?
I have been signed up with them now for some months already. I am just wondering if anyone else has used this particular company and what was the experience with them.

32 Answers



The BBB is correct! They are a "F" rated on what they do. (If F stands for nothing)

They charge you to sign up. Take your money, don't even talk to your creditors, waste your time, emails, faxes, and phone calls. When all said and done, you owe the creditors more than what you owed them when you signed up. Don't just terminate them, get your money back. HOW?? Ask for any copies of letters or legal paperwork that they sent or emailed the creditors for you on your behalf! They can't and won't supply it...they didn't do anything!! They didn't fulfill their part of the agreement, so they in fact nulified the contract between you and their company...ABC Debt Relief...

Don't believe the above?? Ask them (the creditors) when they call if they have been contacted by ABC..ask for any paper work sent them, any recorded phone voice recordings. None!!! Plus the creditors don't even recognize them as legit!!!

See an attorney...he/she will tell you the same thing!

The people who recomend them on the web, are the employees of ABC!!

 I signed with ABC four years ago. It has been nothing but a nightmare. First they had me go default on my credit cards on purpose. Then they never answer my emails or phone calls. They never could get a settlement for me. I ended up doing it all myself. This company is a joke.

Run!!! I solved my debt myself, they never contacted any I my collectors, they told me not to pay them they will deal with them. They did not. I was able to get a better settlement by myself. They refunded 80% of my money I paid them with to do a job they didn\'t do. Do it yourself please!!!!

I've had mixed results from them. They never explained new debt and old debt to us. CCs are willing to settle old debt for a lot less because its been on the books and they want you gone. CCs just take you to court on new debt. We got sued right away and ABC wasn't able to do anything. Luckily we provided the info they needed to have it stay out of court and they settled for a very reasonable monthly payment of the full amount plus 1% interest. ABC was no help. During other settlements I would demand they go for much less than they wanted to and the CCs settled for the amounts I suggested. I also negotiated some settlements myself. Then, the counselor we'd been working with for 3 years left just as our last creditor was making threats to take us to court. We asked her to call and settle but the excuses began, she left, we got some weird emails from a person saying he would be in charge of our account even though his email didn't have any affiliation with ABC. Next thing we got served but luckily found a lawyer who does debt negotiation and he settled for half what ABC would have. Now they automatically deduct form our checking account even though they settled less than half our debt. Our contract says we owe them 15% of what they settle. We're going back to the lawyer to work with him to make sure they don't take more than they should. Don't get involved with them. Call you bar association and see what lawyer does debt settlement. If he can't work nation-wide, he'll know someone in other states that can help you.

We have nearly the same situation as the previous poster. They deducted their $9000 fees within the first 3 months and then 9 months later, settled 3 of my husband's 6 debts. Never to be heard from again. The contract states they don't guarantee a settlement but they DO guarantee to refund the portion of their fees for any debts they cannot/don't settle. We are still waiting for that refund. I have sent our final certified request 10 days ago, we'll see.

The only thing I can suggest to people is that when it gets to the stage that ABC settle at, you can do it yourself. I found the letters from CA's to my husband and ABC were settling these debts for nearly the same amount +/- $200. You may as well save yourself the 15% UPFRONT fee and settle yourself. Even their website is no longer exists. I'm glad I printed the pages back in March when we started requesting the refund. They guarantee everything and return nothing.  

ABC debt relief isn't a good company and the whole debt relief program is bogus. It is much easier to call and work with the credit companies direct. I hired ABC 3 years ago and since then I am worse off. I have paid them aprox. $5000 and now that am ready to settle they are nowhere to be found. It looks like I am going to have to work directly with each creditor. And bring suit against ABC for the $5000.

I signed up with them and they negotiated a couple of quick settlements for me after months and months of harrassing phone calls and letters that they said were "normal". I out and out asked them if I would have to pay taxes on the written off amounts and was told no. Now comes tax season and I owe almost as much in taxes as I was able to write off. Fortunately I opted out after I was already in trouble and finished settlements on my own so I had not invested a great amount of money in their scam.

my advice, DON'T DO IT.

Hi Kae,

Welcome to the community.

This company you mentioned doesn't look good. I see you have made the same request on Yahoo answers about 6 months ago, but no takers.

Odd, that.


I spoke with a rep from their office and they were professional and prompt on a call back. I did not choose to go the settlement route; or could not because I have 45K in student loans.

That being said, I think that with a settlement company you are hiring someone to help you with the discipline and follow through side of things. There was a fee; but you get what you pay for. I know that a person in debt "could" do it on their own, but I have never met one, and I personally would rather hire someone.

The BBB is a SCAM; they are for profit and they don't look at the facts. Lee Stallings is the COO of the Dallas TX. BBB and he is a little rude man.

Manny T.

"Waiting to get back home to N.Y!"

Ok, I sent them an email inquring about collection letters from CC companies..because they did not make a quick effort to help me and also from doing some research from internet especially from this website..they seemed to have all trusting sources on their site..such as they have BBB internet security logo but then they are not on BBB.???..making me, I wrote a letter Via email to them after all the quietness and I got respond that there were so many activities going on my account and they wanted me to call them back regarding this matters,,,,then I started to speak with collection departments not the collection agencies... myself and tried to explain why I was being so late on my payments, I hornestly told them the truth about my problems and they made an offer to me from my debt aprox $6000 to aprox $3000 in 3 months installment plan...So, I 'll be free from this CC but there are still other CC Co. that they have offered me also..
but after all that, this debt relief company had tried to negotiate with my other CC co. but it;s too late now..I now realized that I could do it myself and save that money I would have to pay them monthly for my debt instead.
Sorry if I confused u...because of my language barrier.


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