I hired them after my divorce to help me out of marital debt I was buried in totaling about 25xxx. I was able to reduce my payments over the holidays without problem, and just made an extra deposit and was told they are in negotiation with one of my 2 creditors. Something I couldn't have resolved on ...my own. They are always friendly and helpful when I call, as well. Will give them 5 stars when all gets resolved. Was told I am on a 15 mo program, back in Aug 2019. Hoping to shorten that time and get this off my credit and move ON with my life, a little faster thanks to them.

I used this service and it would take months to reach a settlement. I had to remove several of my accounts and settle them myself. They were great in the beginning, but as I came close to the end the got worse and worse. On my last account they never sent an agreement to negotiate so I received a set...tlement offer. I sent it to them on the 15 of dec and nothing happened. I followed up several times and still nothing. On the 2nd of Jan the sent the letter to authorize. On the 8th they said that the letter was out of date and needed a new one. But never bothered to contact me in any way. They promised to expedite almost one month prior but didn’t even bother to follow up. But they kept charging monthly fees. If you are in no hurry or don’t worry to resolve quickly I’m sure they are ok. But if you plan to pay off quickly they are absolutely terrible. I would suggest another service for sure that can at least follow up. There were a lot of fees not disclosed up front. So be warned!

Positives: It’s not a scam. It took a while and I got sued in the process but they eventually settled. In the space of 2 years, I would have cleared 35k in credit debt. Another plus is that after I signed up with Gitmeid, the collection calls surprisingly stopped, and I also did not have to appear i...n court after I got served. They took care of all legal matters as they said they would. Negatives: They are not very transparent about “how” they do things. They rarely have updates and they give you little information about the process. I called them several times asking for updates and got nothing even after I got served by the creditor. Another negative is that after the settlement was agreed, first thing they did is pull their whole fee amount (over 7K) from the escrow account. That money could have gone a long way I’m sure to negotiate a lower settlement. In the end, a large amount of the money I had saved for a year went to Gitmeid first instead of the creditor? Not cool… And my biggest complaint is that the settlement amount was so high (80%) that once I add their fees, I will end up paying a lot more than what I owed the creditor in the first place. They did not even flinch when they told me over the phone. The conversation was very impersonal. My monthly payment tripled to maintain the payoff schedule to the creditor. Luckily, I got a new better job or else I am not sure how things would have turned out. My Advice Gitmeid will do for you what they say. But don’t think it’s necessarily going to be easier and cheaper. No one can defend your interests better than yourself. In retrospect, I could have faced my creditor and worked something out directly with them.

My biggest issue right now is that I paid my debt off earlier than they had estimated since i made extra payments ect. I was told in the beginning I was allowed to do so without penalty. They still have me scheduled for deposits even though everything is paid for. I've called multiple times and spoke...n to multiple different people who promise me i wont get money taken out of my account again and they still continue to do so. Plus it takes them 45 days to refund the money. Absolute bull.

Gitmeid has been an amazing office to work with for our debt. We started with over $50K in credit card debt and they have been working hard on getting these accounts settled for amazing amounts. They work quickly and are very friendly to work with. We have been with them for nearly two years and have... never had any problems.