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  1. Phillip says

    I ordered this credit repair information package because Mel seems to be on the level and collection departments abuse their position power. After having Pay-Pal jerk me around changing my payment dates only to demand late payment charges, I stopped paying the account. I used Mel’s Debt Validation letter and got some statement in the mail of eBay transactions but it only listed half the charges. The second letter was never answered and it has NOT Appeared on my Credit Report. This account was over 3,000 dollars.. If you are vigilant with this information, you can successfully eliminate bad debt from haunting you.

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