Complaint / review text:
I tried to get help from Care One Credit Counseling two months ago. I called and spoke with an agent who told me to make sure I paid my accounts until Care One would take over. It took them a month for the program to start. A week before they were to debit my checking account, they sent out proposals to the companies I owe to see if they would accept the amounts to pay each month. Most of these companies didn't even accept the proposal the first month. Since they didn't accept the amounts to be paid, they added a lot of late fees and over limit fees. The next month some had accepted the proposal but two still had not, so these companies added more fees. One of my credit card companies never did accept the program, and they added over $200 worth of fees that I am now trying to pay on my own. The other credit card was my husband's and they added over $100 worth of fees.
I called the credit card companies to explain to them what was going on, and they still would not take away the fees. On top of all of this, I'm paying Care One to handle the accounts, to do the contacting for me, but I had to be the one to call these companies to negotiate with them. So why should I be paying Care One every month to do nothing? I'm now canceling their services and amgoing to try to take over my accounts again. Before I started this program my accounts were never late, and at least the minimum was paid every month. Now these accounts are all messed up, and I don't know what to do.