Has anyone used debt clear and CMS court mediation servicessuccessfully This company claims that credit card debt can be completely wiped out and that your credit score will not be affected. help?

Answer 1

It's a scam

POSITIVE REVIEW CMS sends a payment using one of their checks to the cc company using the cc company's own tactics; by stating that cashing this check binds them to this new contract that lists the fees and penalties that they will incur if they charge any late fees, charge any interest, report negatives to the credit agencies that appear on your credit report, etc. THEY ALWAYS CASH THE CHECK AND IT IS BINDING. CMS sends $10 each month and they send it intentionally late so the company will add a late charge which in turn incurs a penalty fee for them. CMS does this until they rack up more in penalties than you owe on the card. It then comes down to wiping your account clear or going to court. THEY NEVER GO TO COURT BECAUSE THEY KNOW THE CONTRACT IS BINDING AND THEY WILL LOSE. I know it sounds too good to be true but it really does work. It takes about 6 to 10 months to wipe out your debt completely and another 6 - 8 months to fix your credit. They can repair your FICO because they prove that the cc company never loaned you money to begin with and therefore, cannot report anything to the credit agencies under federal financial law. The credit agencies wipe all negatives from your report because they know this to be true and will not dispute it. THE QUESTION OF LEGALITY The people in the CMS marketing scheme are working overtime to promote the program, but they cannot get around the legal issues and are faced with trying to confuse people about whether or not a debtor can actually assign a debt to a third party without the knowledge and assent of the creditor.RIPOFF REPORT BRAD DALEY - Fraudulent Lawyer.

http://www.ripoffreport.com/reports/0/235/RipOff0235669.htm