Product: Debt or credit management

Debt Settlement Problem : 1 ) In XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX, as my account manager, offered to enter into a settlement with my creditors to pay all my credit cards in one payment each month for 36 months. I had received a text message from My XXXX XXXX to congratulate my qualification. A few days after XXXX XXXX called me to pay, I explained that I had signed an agreement with XXXX XXXX XXXX to pay my creditors. I used to call XXXX XXXX XXXX, so a manager named XXXX told me I had to pay XXXX XXXX. When I mentioned the agreement, we were signing to pay my creditors, he said XXXX XXXX was not included. Why did you congratulate me? I spoke. It was a mistake. He spoke. 
After a few minutes of discussion, he stated that the {$280.00} would be paid by us. Before removing the XXXX XXXX, the bill was therefore S {$290.00} per month. After removing the XXXX XXXX, the bill was reduced to {$240.00} per month. I told them my usual bills weren't that high, so they were reducing the bill to {$200.00} a month. I received a {$3000.00} rebate on {$6000.00} from XXXX  XXXX XXXX who required me to pay {$150.00} per month until I finished paying the {$3000.00}. Instead, XXXX  XXXX XXXX required me to pay {$260.00} each month. Instead of XXXX  XXXX XXXX 's {$150.00}, they charged {$150.00}. 
XXXX XXXX  had also forgiven. During this time, I paid {$570.00} in one payment to XXXX XXXX, but XXXX  XXXX XXXX continued to charge me {$260.00} plus changes each month. 
XXXX XXXX, which is my third creditor, sued me. XXXX XXXX XXXX  had made me pay about {$60.00} for counseling. I thought they would accompany me to court, it was the opposite. They blamed me because I did not deny the debt. 
My settlement should have been finalized in XX/XX/XXXX, so in XX/XX/XXXX, XXXX  XXXX asked me to sign a new document in a text message via my cell phone to give them permission to finalize my debt payment with XXXX XXXX. After signing, the customer representative asked me to wait. She sent me another page, asking me to sign to pay XXXX XXXX  out of pocket until XX/XX/XXXX. Even though the deal was supposed to end in XX/XX/XXXX. I sent letters and emails to XXXX  XXXX XXXX for an explanation of the monthly amount I pay to my three creditors, including XXXX XXXX. And I received no response. Instead of getting a response, I continued to receive emails asking me to sign another agreement to pay XXXX XXXX  out of pocket. Additionally, I had sent two letters to XXXX XXXX  to explain how long ago I started paying my debt relief, including the letter of explanation I sent to XXXX XXXX XXXX XXXX XXXX XXXX sends the package to the address I sued to ship the certified mail that was sent to it. However, I have not received any response from XXXX XXXX. 
On XX/XX/XXXX, the financial company named XXXX  which has been withdrawing money from my account for XXXX XXXX XXXX for almost three years, recommended me through XXXX XXXX XXXX 
On XX/XX/XXXX, I sent a reminder email to XXXX XXXX XXXX, to avoid losing my payment. 
I received an auto-reply to my email on XX/XX/XXXX and said : Great news! Your email has been received! This is ticket number XXXX. 
in response, XXXX  XXXX XXXX sent me to the credit bureau. whereas my credit status was XXXX before this arrangement. 
From the start, XXXX XXXX gave me the guarantee that my credit would not be affected. 

Here is my information on debt relief : My account # XXXX My contacts for debt relief : XXXX XXXX Legal Department : XXXX Debt relief Plus : XXXX XXXX XXXX XXXX XXXX