Posted on November 18, 2009 at 12:27 am hello destroydebt, has anybody here ever worked or heard of national debt relief program ghs solutions? would you give a review, thank you!

Posted on November 18, 2009 at 12:40 am Did you mean GHS solutions, LLC the debt settlement company and their national debt relief program? Apparently they are sending people letters that looked like they're from the government. That's misleading. Not good.

Posted on November 18, 2009 at 12:46 am national debt relief program ghs solutionsHi there, I checked out GHS solutions, LLC in the bbb website for you and here's what I got:-This company's nature of business is Debt Settlement Services.-This company is not accredited by the Better Business Bureau.-Has an F rating-Has 74 complaints with regards to "Agreeing to perform according to their contract"-Has 6 complaints with regards to "Making a full refund, as the consumer requested."

Posted on November 18, 2009 at 1:11 am Yes and thanks! But what is that national debt relief program about? Also, what does those f rating and all mean for GHS solutions? I'm sorry, I don't know these things..

Posted on November 18, 2009 at 1:14 am But what is that national debt relief program about?It may have something to do with the Credit Card Accountability, Responsibility and Disclosure Act of 2009 which is effective February 2010. It's basically ordering creditors to be more honest and fair with their practices. That law tackles the ff:-Interest rates: If the consumer's payment is 60 days late, the credit card company can increase the rate.-Penalty fees: Unless the consumer has asked for an over-limit fee, the creditors can't charge the consumer for it. Banks may not charge late fees if they were also late in crediting a payment.-College students: Credit card companies may not market to people under the age of 21, without parental permission, or verification of their ability to pay.

Posted on November 18, 2009 at 1:17 am I agree and to add to those:-credit card companies must also give the consumers 45 days before they can up the interest rates and that the consumer's payments must first be applied to balances with the highest/higher interest rates

Posted on November 18, 2009 at 2:22 am Also, what does those f rating and all mean for GHS solutions?Okay, one of the ways to find out if a debt settlement company is legitimate is if they're accredited by the Better Business Bureau (BBB) - even if a company is not accredited though, they can be given ratings. An A is the highest rating, so GHS getting an F....is not such a good thing.

Posted on November 18, 2009 at 2:24 am Hey there - looks like you may be needing some guidelines on how to choose a good debt settlement company, so here:-The settlement company's program must have a fast completion time. 12-36 months.-The program must be able to protect and improve the consumer's credit standing.-Must be a member of the Better Business Bureau, BBB, for at least 5 years.-Must also have a good standing with the Chamber of Commerce-A Member of TASC - The Association Of Settlement Companies and the IAPDA or theInternational Association of Professional Debt Arbitrators

Posted on November 18, 2009 at 2:39 am Here are their website links:BBB www.bbb.orgTASC www.tascsite.orgUSOBA www.usoba.orgIAPDA www.iapda.orgAlso, destroydebt.com is offering  a free initial debt consultation, just fill out a form, and get matched up to the right debt relief program/company for you.