I signed up for a debt consolidation program. I have been make monthly payments to the program since July 2015. They have not performed the services I hired them to do. (Basically, they have my money and have not contacted or paid any creditors). I believe the company acted fraudulently by acting in unprofessional manner (incompetence, language used in phone calls, and lack of correspondence). I live in New Jersey and the company is based in California.
You can put in complaints in both states since they are operating in NJ and based out of California. Depending on the contract you signed with them, if you paid them a fee and they haven't done anything, you may have a basis for a claim.
You can file a complaint in either place. The New Jersey attorney general will generally only investigate situations of mass fraud. Our experience has shown that this is the common operating model of most of these debt consolidation companies requiring you to basically pay them all of the fees up front before they do anything to assist you; in the meantime your creditors are not prevented from pursuing their claims against you. Depending on the specific facts, you can also file a lawsuit, assuming there is not a valid arbitration agreement (many have been stricken) and the debt consolidator is not a nonprofit.
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