Has anyone dealt with Hess Kennedy & Company or Credicur

They asked what i could afford I told them They said they couldnt go for anything less than $120.00 a month for 4 years. and over $20.00 a month goes to the lawyers fees. THEY must be rich by now. I decided it would be cheaper to deal with it myself and save these fees. They scared me more than the PDL companies, and if you default with them you just might go to jail, because THEY are lawyers

I pay $100.31/month!! I don't know why they told you that. Plus, my plan is only for 36 months!

My story is similar to those posted. I have just been taken for about $2400 by HK and CCCA. These frauds are profiteers taking advantage of people who are in desperate situations. If any of you who were also taken advantage of by these people would like to discuss your restitution options with me, please send me an email at
email address removed as per forum rules - Mike

Seriously...what these people are doing is NOT legal.
check out the ftc case filed two years ago against a similar company behaving badly:

http://www.ftc.gov/os/caselist/04231...cmp0423140.pdf

email me email address removed as per forum rules - Mike

We will prevail.

Your counselor should have explained how settlement works.

I posted a new topic read it.

The settlement company sends a letter to your creditors informing them that you will not be making any payments.

As you build money in your trust account, the settlement company begins to make settlement offers to creditors.

Thats the whole program. Not complicated. The difference between using a law firm and a settlement company is that:

Most states prohibit debt settlement unless you are a law firm or licensed. No settlement companies are licensed because they would not be able to charge the fees that they need to charge in order to remain profitable. Check the state statutes in the state where the company is located to see if they are liocensed or in compliance. Most states require that the debt adjustment company provide you with audited financials upon request. Florida is one of those states.

Law Firms have advantages:

1. The can curb debt collection abuse by dealing directly with the Attorney Generals in the Various States.

2. They can analyze a debt contract to see if the lender violated truth in lending laws.

3. They always have the threat of filing a bankrutpcy petition if the client cannot handle the debt collection activities.

The only disadvantage is that the Law Firm did not "sell you the service" the referral service did.

If you think that you have been mislead, contact the counselor that sold you the service. Remeber, the service is simple:


1. Creditors are contacted and told no more payments will be made.

2. When monies are sufficient to settle, a settlement is offered to the creditor and a settlement agreement is reached.

Thats it. Make sure that this is the service for you.

Make sure that the company you used is licensed in the state in which it is located. Look up the laws regulating Debt Adjustment/Credit Counseling in the State in which the Company is Located. Ask the counselor if the Debt Settlement Company is licensed, or in the alternative, ask the counselor why you are being placed into a "pre-bankrutpcy" program.

I was taken,i'm calling the bbb ;

Contact me if you'd like to explore ways to recover your losses suffered at the hands of HK. They are profiteering opportunists and are out to take your money.

I also feel i was taken too!!! How do I end my dealings with these people?? I also found out the HESS company had many complaints with the bbb in flordia. What did you do? How did you handle it LOST??

We can all help each other by contacting one another via email. I had to protect myself by closing my bank account, and opening a new one. Since Hess and Kennedy requests pre-Approval to withdraw money from you checking account, the only way to protect yourself is to close the account. Then, you basically need to sue them to recover your money in small claims. Suing is tricky, but it basically requires that you are able to articulate how HK conducted business with you, that it led to harm, and that they misrepresented their service. These are the very arguments the ftc made against a similar company (see the article Also Taken posted above).

I am trying to get testimonials from those of you who feel you were taken by Hess and Kennedy. The more first hand accounts I can get, the more ammunition I will have to take with me to my small claims case. Also, I will share my story with all of you, and offer any help I can in your own quest to sue Hess and Kennedy for the money they have illegally scammed you out of.

Please. If you feel you have been taken advantage of, contact me at the email address I have posted here, and let's share our stories. If my suspicion is correct, there is a pattern of deception here, and our stories I'm sure will be quite similar.

The BBB of Central Florida gives Hess and Kennedy an unsatisfactory rating due to un-resolved customer complaints:

From the BBB:

"Based on BBB files, this company has an unsatisfactory record with the Bureau due to a pattern of complaints. Complaints concern unauthorized withdrawals from consumers' checking accounts, failure to disclose that the initial payment is taken as a set-up fee, and failure to disclose that a third party, Family Financial, handles the debt management program."

Here's the link:

http://www.orlando.bbb.org/codbrep.h...=SearchStd.asp

-takenByHK at gmail dot com

I too am very upset!!! I put an earlier message on this site about how I was taken. I paid $232.00 a month faithfully from feb., 2006 to july, 2006 and my creditors never received so much as a phone call or letter from these jerks. HK kept telling me not to answer the phone and not to talk to my creditors and I later found out why. I am now taking bankruptcy because it is too late to repair the damage. Everytime I call HK I am given new rules. I never get the same answer. I cannot believe I was stupid enough to fall for this. I will share my story with anyone that it might help and I would appreciate the same.

Contact me at my email address - and I will share my story with you. I'd also like to hear yours. I am preparing my small claims case against HK right now, and am looking for other people whose testimonials I can share in court to show that there is a pattern of abuse.

Send me a mail, and we can start corresponding.

cheers,

takenbyHK at gmail dot com

Don't sign up with Hess Kennedy. They have done nothing for me, and my accounts are worse off than they were. I'm kicking myself for signing up with them.

my "attorny" edward sherry of florida. told me that he would have everything taken care of than i get judgments against me it has been 6 1/2 months and i dont know where my money is! he will not talk to any of my creditors, nor send them a settlement letter. he has completly ruined my life now iam 4000 dollars more in debt because of what he did.

Has anyone ever stayed with Hess and Kenndy all the way through? And if you did what were your results? I am only in the beginning stages and I wonder if everything is legitmate with them also. I have just made my first payment with them.

It is 1-866-872-2262