American Consumer Credit Counseling Reviews

On Feb. 10 I contacted what I thought was American Consumer Credit Counseling but somehow got American Credit Counselors, Boca Raton, FL. We went over my debt and they decided that I should go with debt management rather than credit counseling. They transferred me to another number (not realizing the number was a completely different company (First Comsumer Debt Mgmt., Newport Beach, CA) They went over a bunch of things, talking very fast and totally confusing me. I kept asking questions but they kept trying to push me into doing a recorded interview (telling me it was just preliminary paperwork) They had to stop the recording a few times because I didn't understand what they were saying and had to restart. (The interviewer was not too happy with me) When the interviewer finished up (they taped exactly what they wanted) I still told them that I hadn't made up my mind which company I would go with because I was looking into several. They called me twice before they fleeced me and both times I told them that I still hadn't decided. Most honest companies would not have proceeded if the client was undecided. After the recorded portion, they transferred me to their "legal department" (still yet another company - Consumer Law Group P.A., Boca Raton, FL. I assumed that the "legal department" was sending me written papers of what was discussed during the interview. Boy was I WRONG I figured that I would read over the paperwork and choose which one. On Friday, February 26 I learned that the first company (which I have learned now is an "enrollment" company) had withdrawn $442 out of my bank account as an "earned fee". I don't know what they did to "earn" this. After finding this out, I called the Consumer Law Groupwhich is who I thought took out the money and they told me they had nothing to do with it. She played the "recording" back and it looks like I agreed to everything and understood everything. (They made it look like that was the case but what it doesn't show is them stopping and starting the recording) I never sent any of the written paperwork back. After I got extremely angry, I cancelled the account but they told me I didn't cancel in time. The written paperwork said I had 10 business days until midnight starting from the day after contact but what they forgot was the holiday. The money was withdrawn on the 10th day but before midnight. They told me the recission time frame from the recorded message part was less. But obviously that was no where in writing. I called asking for a refund and after 4 days they finally got back to me and said that they could refund only $242.00 but I had to drop any further tries to get my money back. I decided that I wanted to fight all the way so I'm not getting my money back but I called my state atty. general's office and I'm going to every scam website I can to report these unscrupulous business tactics. I'm also contacting the BBB's in CA, FL and MA and the Atty. General's office in FL and CA too. DO NOT DO BUSINESS WITH AMERICAN CREDIT COUNSELORS, BOCA RATON, FL; CONSUMER LAW GROUP PA, BOCA RATON, FL OR FIRST CONSUMER DEBT MANAGEMENT, NEWPORT BEACH, CA.