Client Success - When you are happy, we are happy

Debthelper Florida - Client review on effective Credit Card Management Services, Bankruptcy Counseling, Financial Education programs

Dear Sir/Madam:

I wanted to thank your entire organization for the incredibly kind way they have conducted themselves in servicing my account. Things were always explained in an easily understood way. They never acted impatient or condescending. In nearly 8 years not once did I do business with anyone that was not fully courteous. It would be great if other organizations could learn from you about outstanding customer service. I have recommended you and your organization to many others. Again, a heartfelt thank you for what you do.

A successful graduate,

Cathy, Indiana

Dear Mr. Lalwani,

This mail comes to you from a very grateful individual who expresses her gratitude to a member of your staff, Nicola.

With her help and knowledge in assisting me through the Hardest Hit Fund, I feel comforted to know that individuals like herself exist today. She not only helped me with the process, but she also showed empathy for my situation. At times when I felt like the house was on top of me, she lifted my spirits and taught me that being patient was the best thing for me.

She truly is an asset to your organization.

Sincerely,

Bibi, Orlando, Florida

Hi Kevin,

Thanks so much for taking the time to speak with me today, you are always so helpful. I was honestly expecting to be in an incredibly boring classroom setting for 7 hours on Saturday, which was not at all how I wanted to spend my weekend... But your class was so entertaining and informative. I really enjoyed it and I am so glad that I was able to attend. You are an amazing teacher and made this process so much easier on me. Thanks again for all of your assistance, you are amazing!

Nicole, West Palm Beach

I just wanted to let you know what great help John offered me today. He provided me with answers that I have been unable to find for the last two months. What a great service! This will help me improve my credtit substantially. I have tried to get these questions answered on line and through the credit agencies themselves with no results. I found your company through AICCCA. I will recommend you to anyone that may need your service.

JD

I'm writing to let you know how much I appreciate the outstanding customer service that your staff Sammie provided in the last year. Sammie was very attentive and helpful when I had questions and concerns regarding my HHF application. My HHF application was finally approved. Because of her efforts and professionalism, I just wanted to convey to management what a fine employee Sammie really is. I thank Sammie for helping me out when I needed help.

Margaret

Dear Debt Helper,

I want to drop a note to you in reference to the amazing job you have been doing. I have been a client for several years and the way DebHelper goes through the details on education and benefits are truly a blessing for my clients. Thank you for making the counseling informative and education my clients are grateful.

Sean Miller

To Whom It May Concern:

I feel compelled to tell you how wonderful Nicola Butts Wimpel is. She has been working with me for several months on the HHF program in an effort to help me keep my home in this very uncertain economy. I have been unemployed for quite some time and cannot get a job and now that I have exhausted my savings I am in danger of losing my home but thanks to Nicola and her tireless efforts to assist me I see the silver lining in the clouds. This woman is very compassionate about her job and will go the extra mile to assist people like me. She deserves to be recognized for her efforts and praised for her good works. She is an angel sent from heaven in my opinion and I have to say without her I would not be able to keep my home and my life on track right now. Thank you Nicola...you are in my prayers every day and I can never thank you enough for your patience with me and helping me through this process. If there were more people in the world like Nicola this would be a much better place. Please recognize her for her exhaustive efforts in helping people like me for she does this with compassion, concern and caring for people she does not even know but she cares for. She is the best and deserves to be recognized for her good works. If you could find one other person as good as her you would be lucky for I know that she is wonderful. I cannot say thank you enough to Nicola but I will every day in my prayers.

Sincerely,

Vicki J Thompson

I wanted to take a moment and pass on my appreciation and pleasure with the debthelper program. We have been program members for approximately 18 months and are very pleased with the friendliness and professional staff. We have already paid off 1 of our accounts and are close to paying off 2 others. We recently had a small problem with one of our accounts and Sammie DelRosario was so helpful. The company had apparently changed to a new system and they didn't receive my payment. They were showing my account 30 days late and I was not late. Sammie contacted them and in less than 2 months this problem was resolved. The company's reporting to the credit bureau of my late status reduced my credit score of almost 40 points. I had been working diligently on raising my credit score and with Sammie's prompt assistance my score was corrected. She stayed in constant communication with me, even when she had no news or updates, she politely called to just let me know she was still working on my situation.

I am very pleased with the program and have been pleased with all members of Debthelp that I have been in communication with. I would highly recommend this program to anyone trying to get out of debt.

Sincerely,

Nancy and Wayne

Maria,

Just a short note to thank you and the folks at Florida Hardest Hit. When you called me last week to give me the good news concerning my past open balances being paid off, I was extremely happy. As you know, I’ve had a tough time keeping up with my bills after I became unemployed, including my mortgage payments. I fell behind and was being threatened with foreclosure.

I enrolled in the Florida Hardest Hit Program, and was hoping you would be able to keep me from losing my home. When I became employed again, I was able to start making the payments that you had arranged, thus qualifying me for the next step in the process.

So, receiving your call telling me my old balances would be taken care of by Florida Hardest Hit was a dream come true. I’m now able to remain in my home without worry of foreclosure.

Thank you again Maria for all your and Florida Hardest Hit’s efforts. I deeply appreciate it.

Tom D.

Tampa, Florida

Maria,

I'm a widow with a 20 yr. old daughter in college. My husband passed away 8 years ago. Since my husband passed away I've always been able to manage my household and live a decent lifestyle. Basically with little debt and some money in the bank. Unfortunately when I lost my job in June 2010 I never thought I would have a problem finding a job. 13 months later and I'm still unemployed. This past March 2011 I made my last mortgage payment. After the March 2011 mortgage payment I had depleted all of my funds. There was no way to make the April mortgage payment. By the middle of April I started to receive phone calls from my mortgage company and then the letters started to come. Threatening me with possible foreclosure.

I had had numerous conversations on the phone with my mortgage company. These conversations would go on day after day and literally killing me inside. I had read about the HHF back in January 2011 but it was currently for Lee County only. It was a tremendous relief to me to read about it. When it finally opened up to the rest of Florida I had all of paperwork in order and completed the forms and praying that I would be accepted. My biggest concern right then was foreclosure and where were my daughter and I were going to go. My mortgage wasn't under water and it is all I had. I was being told by many people and read in the newspapers that it was almost impossible to sell a house now.

After completing all of the paperwork, I was contacted by Credit Card Management Services, Inc. They explained the whole process and was finally accepted by the HHF. I was able to call my Mortgage Company and explained to them that I was accepted by the HHF. They finally stopped calling me and the letters stopped. I also received a letter for the Mortgage Company that the HHF was going to take over. You have no idea what a relief it was for me to not have this situation hanging over my head and what was I going to do with no place to live. I know this is a temporary fix but I'm able to put all of my concentration on finding a job and truly able to sleep at night.

Sincerely,

Barbara

This past Sunday I had to finish bankruptcy counseling to get my case filed. I had to stop a foreclosure sale. I didn’t want to take a chance on my case not getting rejected because I did not have my client’s certificate.

I knew what to do- I can always count on Bill at DebtHelper to get my bankruptcy certificate out on time.

Even though they were closed, all I had to do was email.

This is not the first time the folks at DebtHelper used A+ customer service to get my certificate out on time or faster. I’ve had clients that didn’t understand computers, couldn’t read, and clients scared of the process- never a worry. All it took was an email to Bill and we got it done.

There are lots of choices in pre-bankruptcy credit counseling. When I need a certificate, when my client needs “now”, when time matters, when it needs to be right- I know Bill and folks at DebtHelper will get it done.

Scott Wantland,

Bankruptcy Lawyer

Louisville & Shepherdsville

John,

The account is paid in full. Just wanted to give you a heads up on the account. Without the help of your company, I would never have been able to work out my debt problems. Divorce left me in financial ruin and through Debthelper, I can see light at the end of the tunnel...and it is not an oncoming train.

Thanks to you all

Jennifer C

West Palm Beach, Florida

Hi Jennifer,

Just thought you might like to hear some feedback from my clients as to your call on Monday.

They think you walk on clouds – maybe an angel? Mrs. S. told me how cordial and friendly you were. She is a little timid, and your soft touch was exactly the right way.

I think you do an excellent job on the HECM counseling, and I want you to know how much I appreciate it. Having you and some of your other counselors involved in the process makes my job a whole lot easier and is the reason I like working with your Company.

Thanks so much.

Dick

Reverse Mortgage Consultant

Florida

Hi Andrew,

I want to thank you again for working with our clients to educate and assist them in their financial needs. They truly enjoy their time with you and always learn something new and valuable. You bring an added depth to parenting classes that helps each person to understand the connection between parenting and responsible financial planning.

We are very lucky to have you as part of our team to serve victims/at-risk of domestic violence and thank you for your dedication and commitment.

Jane Wagley, Program Director

Florida Resource Center For Women and Children, Inc.

Dear DebtHelper,

I recently completed the repayment of several credit cards through your debt management plan. I would never have been able to do it without your help. For several years I tried but I just couldn’t get the cards paid down and I couldn’t stop using them. Using your debt management plan was probably one of the smartest things I’ve ever done. Whenever someone mentions that they have a debt problem I highly recommend you to them. And, after avoiding any type of credit check for years, I just found out that my credit rating is better than it has ever been.

Thank you for all your help.

Mary J.

Franklin County, Ohio

I would like to thank you for sharing your wealth of knowledge with us today at Northwood University. I learned alot from you and feel that you have given me the jumpstart I needed to start spending better. As a student with limited income and many bills to be paid and a future to save for; it is easy to lose track of what's most important when making the final decision between going out with friends and staying home for the night.

I hope to attend another one of your workshops in the future. Thank you very much.

Samantha W.

Northwood University, Florida Campus

I have been very lucky to have found Credit Card Management Services at a time when my financial situation is not as good as I would like it to be. Recently divorced, raising a teenager by myself, I found myself in far more debt than I had ever considered I would be in. The credit card payments were becoming virtually impossible to meet and the credit card company refused to work with me. When I contacted Credit Card Management Services they were kind, courteous and understanding of my situation and made me feel comfortable with discussing my financial problems. With their help they have reduced my interest rate and given me a light at the end of the tunnel. I will be able to pay my credit card off in 5 years or less. I would thoroughly recommend this company to anyone in financial distress - they will do everything they can to help you through this difficult situation.

Thank you Credit Card Management Services!

Beverley B.

I just think that there are some good people in the world and Thank You goes along way, I just want you and your supervisor to know that you went above and beyond what I am sure is expected of you in your job requirements and I hope that you know that although this is a some what embarrassing and some what shameful time for me you did not make me feel less of a person and that to me is priceless. As I stated earlier working in customer service teaches you how not to be judgemental and to put yourself in the customers shoes and you definitely did that Thank You once again and may God Bless you your family. As for the company I shopped around and other sites such as cccs were $50 for the same process and as I was telling Andrew if we are having financial problems already that cost of the difference in $15 could be items that me and my girls need in our household. So thank you for being reasonable in price as well.

Satisfied Customer,

Mika C.

Bill,

Good Morning!!

I wanted to take this time to thank you for your help last night. I was very upset and you helped me through it. I am having a much better day today. Once again, Thank you, you’re one of the good guys.

Anne,

Taunton, Massachusetts

Your firm understands how the reverse mortgage application process can easily become overwhelming for the senior borrower, and you apply a reasonable balance between information delivery and their sensitivity.

Joe,

Wells Fargo Home Mortgage

Jupiter, Florida

You are by far the best counseling company around! I truly appreciate all of your hard work, clear explanations to my clients, and great communication and follow up!

Heather,

One Reverse Mortgage

San Diego, CA

Every DebtHelper.com person I have been in contact with has always been courteous and professional. I know I do not have to worry when they speak to our borrower customers because of those qualities. Thank you!

Shara,

Cornerstone Mortgage Solutions

Pensacola, FL

Thank you Mario!

Because of you, Susan, and Sandra, I think I can turn my financial life around, which greatly affects many other areas in my life. I can't express enough how grateful I am for your patience and persistence to putting me back on track. I thought my only way out was bankruptcy and that idea made me sick to my stomach. I truly am thankful I made the call (with shaky hands) and found you all.

Marcelino

Arlington heights, IL

Dear Bill,

I am very impressed with your customer service, attention to detail and overall client relations ability at Debthelper. I will make sure that Debthelper is the only company that my clients will be referred to in order to obtain their credit counseling certificates.

Thank you and keep up the good work.

Very truly yours,

Stephen M. Dunne, Esq.

Dunne Law Offices, P.C.

Wanda,

Wanda I did not write to Mr. Paul Donohue but I did leave a message on his recorder. I am not sure if this is a "Verbatim" representation of what I said but it surely is the "jist" of my comments! I told him how excited I was to have the opportunity to speak these days to someone (you) who thoroughly understood their job, had such a positive attitude, and was energetic and understanding. I told him I thought you were very professional as well as competent and that he should make every effort to compensate you and keep you "happy" as it is rare to find a person who fit into your responsibilities as effectively as yourself!!

Thanks again for your help and going the "extra mile" in finding my answer!!!

Robert L.

White Plains, NY

They say that we all have several "guardian angels" watching over us. I found one of mine in the most unlikely place...a credit management company. You are angels! I thank you for all your kindness and consideration and for making a very unpleasant aspect of my life pleasurable.

I hope you will always find the kindness that you give throughout your life.

Sincerely,

Jo D.

Philadelphia, PA

CCMS,

All Accounts thru your company have now been paid in full!!! My deepest appreciation to CCMS for your help and service.

Thank you,

Clair S.

Seattle, WA

A Big Thanks. To All of You.

It's been a pleasure doing business with you people at Credit Card Management Services Inc. I want to thank you for helping my grand daughter through a most difficult financial crisis. Your helpful, courteous and pleasant ways, helped to make her payments easier. I highly recommend your business management services to anyone who is in need of service like yours. I will tell those that need it where to get it. Thanks again for all you did and all you do.

Sincerely yours,

Marion V.

Slidell, LA

I want to thank your staff for taking care of me and my business. I really feel a relief and thank for looking out for me and also for taking everything in for me. You guys are NO. 1 in my book!

Phyllis H.

Jackson, MS

Dear CCMS,

I have been extremely pleased with the service and commitment provided to me by your company. Every customer service rep I have spoken with has been both professional and dedicated to "getting the problem solved" quickly and completely!

Thank you!

Robbie B.

West Palm Beach, FL