Excellent professional service based on honesty. Three people I had the pleasure of doing business with at Consumer Debt Help were Daniel Diaz, Carol Trigueno and Timothy Cerruti. I was treated by each one like I was their most important client at the moment. In 2011, our debt above the mortgage was $170,000. I was within a heartbeat at any time to have to do the unthinkable, Bankruptcy. Your methodical procedures based on your professional experience zeroed out $88.000 of my total debt. This gave us the opportunity to aggressively pay down our overwhelming debt. In 2011 we had a $131,000 6 1/8% mortgage and were able to acquire a $144,000 3½%, (right about the time we came in contact with your company) which included a $12,500 12% 2nd mortgage. Our mortgage principle at this time is under $130,000. Our status at this time is; we paid $9000 Cash to replace my wife’s very ailing car in 2012, on the 19th of this month I will be making the final payment on my car and after that our remaining total debt above the mortgage will be under $3000 and will be eliminated by August. Since mid-2012, we have been giving in Tithes and Offerings at the rate of $25,000+/yr. (By no coincidence, the company I work for provides Matching Gifts $1 for $1 up to $10,000 per employee per year. We are able to utilize this additional $10,000 for furthering the Good News in other parts of the world). Life is good and we eat out often and if we dine with someone else, we pay the entire check and we are, always now, generous tippers and the tip is not judged on whether we received the best service. In fact when the server comes to take our order, I hand the server the estimated tip in cash, based on my formula of $5 for every $25 or any portion thereof of the next $25. So that way we never tip less than 20%. By now in this statement, you must realize this was no coincidence in the timing of us being contacted by Daniel and the new mortgage acquired at about the same time. In Jeremiah; “11 For I know the plans I have for you”—this is the LORD’s declaration—“plans for your welfare, not for disaster, to give you a future and a hope. 12 You will call to Me and come and pray to Me, and I will listen to you. 13 You will seek Me and find Me when you search for Me with all your heart.” Many times in the Old Testament, Psalms and the New Testament, He says that he wants to prosper us and for us to have success. Jesus said, “I have come to give life and to give it abundantly.” This is a Fact, God chose your company to use in turning our financial world into a prosperous life. All the money in the world belongs to Jesus Christ and he distributes it according to His will. He commands a Tithe (Tithe means 10%) back to him. Not because He needs the money, but that we can blessed “exceeding abundantly above all that we ask or think” Eph 3:20. “10 Bring the full tenth into the storehouse so that there may be food in My house. Test Me in this way,” says the LORD of Hosts. “See if I will not open the floodgates of heaven and pour out a blessing for you without measure.”Malachi 3. This is a testimony to the Grace, Mercy and abundant Love of Jesus Christ to us who love Him and are living according to His Will. We do appreciate our relationship with your company and as is apparent we are Blessed beyond the need of further Debt Counseling. May God Bless all of you in ways you can’t even imagine. By Grace Alone, I am His, Calvin Reid
Very professional established business your info stays confidential with them they walk you through every step of the way to make sure you understan…
Hello... I wanted to take this opportunity to tell of my experience with CDH. It was about 3-4 years ago that my credit was in disarray... I had lost my job, and found myself in the middle of a divorce as well. My bills were the result of what I could afford based on the salary I made. Since I wasn't working it became increasingly difficult to keep up with paying each and every creditor the necessary amounts due each month. Due to this set of circumstances I fell behind, and the calls began, and this situation became unbearble. I searched for a solution reaching out to several agencies, and found that almost all were as difficult to work with as the creditor themselves. I then contemplated filing bankruptcy as a last resort. During this time, I received a multiple calls from CDH (Wayne Friedman)...he left many messages as I was under the assumption that they were probably just like all the others. One day my phone rang, and I answered...it was Mr. Friedman. We talked for a bit, and Wayne asked a few questions, and began to tell me more about CDH. He not only knew my situation, but explained how CDH could assist in helping me dig out of this hole. It was at this point that Wayne offered to send me documentation about CDH, and how they were different from all the other credit counseling/assistance companies. I was amazed at what I was hearing, and even more impressed after reading the material as I knew they were there to help. I read over the documents, and signed on with CDH back in 2010. The process was detailed with excellent information, and a game plan was developed to knock each account one by one. CDH delivered as promised, and I was assigned a contact person (Marie Cerutti). Both her, and each of the staff were in contact with me every month to make sure I was in the loop on all of my accounts. If I had any questions or concerns either Marie or another member was quick to answer or assist. It is now 2014, and the process has gone so smoothly that I am now debt free, and looking to repair my credit. If you are in a credit mess, and wondering where or how you are going to get through this...my suggestion is that that solution is right here with CDH. They are here to help as I can assure you I'm indebted to them for there assistance, and understanding. Thank you... Timothy A. Behling
To Whom It May Concern- I want to let the WORLD know that I could not be happier with the assistance, professionalism and attention I received from the Consumer Debt Help Association LLC firm!!! I was notified today that because of their aggressive and insistent actions on my behalf to clean up my bad credit, I am now debt free!! This confirmation was the best news ever!! Yes, I worked hard to get money in my account and keep it there when I needed it the most but they worked equally hard, if not harder, to get these credit debts closed at a lower rate!! I am astounded at what they were able to accomplish on the behalf of myself and my family. I will now move forward and begin the process of rebuilding my credit. Not to destroy it again, but to help me in the future with my reputation and help me open doors for greater opportunities. Because of you, my payroll checks were never garnished, I was never successfully sued nor did I have to file bankruptcy. As a Human Resources Manager that would have been terribly embarrassing, to say the least. My home remains intact and for that I will be forever grateful. I also want to add that I was never judged for the situation I got myself into by your firm. You asked plenty of questions but never WHY??? That to me showed the upmost class and the integrity you showed me was second to none!! Again, thank you Consumer Debt Help Association LLC and your awesome staff and attorneys who fought on my behalf!! Sincerely, Lisa Marie Ramirez A VERY HAPPY CLIENT!!!
I have worked with Consumer Debt Help for several years and am finally debt free! The whole experience went from initial feelings of shame and hopelessness to looking forward to the future and having hope again once I started working with Consumer Debt Help. They were with me every step of the way, taking away all the unknown by handling everything for me, from having a lawyer basically on call to handle any threats, letters, legal stuff, to having the best client relation case worker in Marie C. She continually kept me up to date on the status of my settlement offers, answered any and all questions no matter how many times I bugged her, and would send me information on helping me learn to control my spending and tips for better financial health. It wasn’t just about paying off old debt, but teaching me to be better going forward. I will miss her communications and caring (and I truly felt cared for). I had looked at a few other help companies but always had a hesitation about how they worked or what they charged. I feel that this company is truly out to help and not to take advantage by charging exorbitant fees. They were upfront about how it all worked and didn’t take it personally when I asked rather abruptly how they made their money. Everything was disclosed before I signed any papers. I’m truly happy that I chose them. Again, Marie was the most caring and helpful person through this. Many thanks Consumer Debt Help! Debra
I am Marc D Hampton, and when I found Consumer Debt Help Association that was the day my debt worries started to fade away. THIS company should be the Gold Standard for debt relief companies around the world, not only did Consumer Debt get me the best pay off price on all my credit cards, but pre-empted a company taking me to court by offering me there legal staff at a nominal price, which came in handy about a month later when I was threatened with a legal challenge, with the legal staff at Consumer Debt on my side, that challenge was dropped. My representative Marie, called often and emailed me often to see if I had any questions, issues or concerns about the process and Consumer Debts handling of this debt reduction, which I always said there were none. I would recommend Consumer Debt to anyone in need of reducing their debt load, I am so confident in this company, I know there will be NO disappointments with their services. They were there for me at every step, patient and full of information which kept me worry free and confident in their expertise in this area. Consumer Debts pricing was fare and very reasonable especially for the service they provided to me. Thank you Consumer Debt Help Association. Marc D Hampton.
I can't tell you how helpful it was for me to have a debt relief provider that I felt comfortable with. It was a difficult decision to make but once I spoke with you I felt a trust that you had my best interests at heart. Marie, you shared with me your own story and gave me further evidence that this was the the company that I could trust. You worked with me so that I was still able to pay all of my bills, and yet pay off this unexpected, unplanned and undeserved debt. You called, sent E-mails checking with me monthly. When I continued to have collection calls, you stopped it immediately. Your associates worked with my debt companies and had much of this debt forgiven, letting me pay this off a year sooner than expected. I would advise anyone that was in the situation I had found myself to feel confident in using Consumer Debt Help. My thanks for all you did to make this as easy and comfortable as was possible. I am now debt free and just returned from a well deserved vacation that I was previously unable to afford. May others find the relief and confidence to work with this company. Thank You Sharon Brandt
I began with Consumer Debt Help Association back in 2009-10. I had the misfortune of having 5 outstanding credit card balances totaling in excess of $30,000. Because of the 2008 economic down turn, which affected so many of us , we were in danger of foreclosing on our home, so I had no choice but to stop paying on my credit cards. It was then that I began drowning in debt trying to make ends meet. Consumer Debt went right to work and within the first two years had succesfully negotiated 4 of the 5 cards. Three of the four cards were negotiated for 30% of the total balances. I must admit that I was skeptical of going with a Debt Reduction company due to all of the horrific stories I had heard with unsuspecting consumers winding up worse off than when they started. My experience with Consumer Debt Association was nothing less than professional. I am still pinching myself to see if all of this is real. I am truly ecstatic that I'm finally out of credit card debt, thanks to Consumer Debt Help Association. Thank you so much! Charles Watson
My experience with Consumer Debt Help has been flawless. It wasn't the company I started out with but I moved to CDH because I found them to be completely transparent, down to each detail of how the program worked and how it would benefit me including advice on how to upgrade (repair?) my credit rating. I never felt anything but that the company was on the up and up and sincere in their mission to help clients get out of debt. The staff and in particular my customer representative, Dianna Saa, was attentive to every concern I might have, checking in with me regularly and responding quickly to any concerns or questions I might have. The staff was very professional. I felt they were truly concerned and caring about my predicament. I recommend this company to anyone who is struggling with debt. They fight the very good fight for you with creditors who refuse to talk to customers directly and the month payment is painless. I salute them and I am forever indebted to them. They are real warriors at your side. Maggie Strider
I must say, that when I FOUND CONSUMER DEBT HELP; and heard what they could do for my husband and me, my first thought was "too good to be true". I am so very glad that I took the time to check out what they were saying was accurate. I had consistent updates from the representative assigned to our account, and one month when my husband had a medical emergency, when I called CDH I was assured that the money in the escrow account was indeed mine to use in this event. I was able to leave the existing balance in to work for me, while simply making a reduction to my monthly contribution for two months. Bottom line is, without CDH, I would not have had the time to work to negotiate with all of our creditors, and care for my ailing husband. It was a wonderful day when Diane called to tell me that our last account had settled, and I was on my last payment, with a clear road ahead of me and all the stress avoided, of handling this mess myself. Sincerely, Bill & Gloria Denver Colorado
My husband and I learned about Consumer Debt Help through a longtime friend who is an attorney. He assured us that Consumer Debt Help was a reputable company that provides stellar customer service. Consistently through the process, Consumer Debt Help kept us apprised of all negotiations and contacted us at least twice monthly to check in. There were a couple of occasions along the way where our family had unexpected costs. Our customer service representative (Marie) was gracious and responsive to our needs, and we were able to lower or skip a payment into our account. Our experience with Consumer Debt Help could not have been any better, as their customer service representatives are true financial advocates. They saved us thousands of dollars in the end, as we only had to pay a fraction of the debt we had incurred. We couldn’t have managed our debt without Consumer Debt Help. We are now debt free and extremely grateful for the assistance they provided to our family!