My question involves credit counseling in the State of: Utah
I have a friend whom I have been helping pay into a "debt management plan". Over the past seven months we have been paying $203 a month into the plan. We recently found out that this same company, Boston Debt Solutions was sued in Vermont for violating numerous laws and doing the same thing to Vermont consumers that it's doing to us.
*Charging fees/perfomance based fees prior to any services being rendered as promised.
*Implying consumers can save 55% on their debt if they sign up with Boston Debt Solutions.
*Practicing without a license (so far we've found no license for this company in Utah or Massachusetts).
*Not responding to consumer requests or concerns.
*Stating they are an Accredited BBB Business when in fact, they are not.
BDS also had us sign a form stating our address was now in Palm Beach, FL and all our creditor correspondence was to be forwarded to that address.
We also signed "limited power of attorney" over to BDS.
My question is...well I have several:
*We live in Utah, but were referred to BDS through a phone number we found in the phonebook, and BDS is in Massachussetts. What laws are applied? Utah or Mass? We've found several violations of Mass/Utah laws by this company in dealing with us.
*Will we see any of our money returned to us? We've requested several times to see where our funds are going and they will not respond to our requests.
*What are the laws for Debt Consolidation companies in Mass?
We were told by the Utah Attorney Generals Office to file a complaint with Utah, Mass, and the BBB as well.
Any help would be appreciated! Thanks.

