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BEWARE!
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They will take 13% of your entire debt and will also charge fees of $40 per month on top of this. Take the time to try to negotiate directly with the creditors/collection agencies. If they are willing to negotiate with GHS, then they will be willing to talk to you. GHS rarely follows up with phone calls,emails. They will discuss settlements, but keep in mind it takes forever to save enough in your account to actually settle. If you ever experience an issue with them taking the wrong amount from your own bank account, they will give you the run around and lie to you. They will give fake names and not return your calls. It is safer to go to the bank GCS to deal with issues and not GHS. They are not worth the money you will end up paying them. Take the time to enter all of the information in a spreadsheet and calculate based on possible settlements. You may also be sued for some debt and then you have to deal with the courts and GHS cannot do anything for you in this situation anyway. I spent $5500 and they only settled a couple of very small accounts and one larger account.
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