I entered thier program under high pressure and this co. has done nothing for me except take my money. I found out an ex mortgage broker Jason Evans is the owner and they are scamming people. It's been months and I'm getting calls. lawsuits , with they promised me would not happen, and can never get thru to cust. service, they ignore me. I then founfd out they have a big fat F with the BBB! I'm cancelling my draft, stay away from them! debt free Financial Group in Irvine is part of American Financial Service out of Bakersfield customer service told me the one timme I got thru to them! Anyone else heard of or getting scammed by them too?

and now is with debt free Financial Group , a partner firm with American Financial Services. Both of these firms have one of the worst reps in the industry, an ex associate used to work with him and knows this. Thye whole debt settlement industry is shady, just BK instead and move on!

I disagree with you "guest " . Yes their are a lot of bad settlement companies out there but there are also some very good ones that have impeccable reputations. The key is researching the company you are shopping with. Always make sure they have a good track record with the BBB and make sure they are either members of TASC or USOBA.

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Scammed ? File complaints at these links
FBI
FTC
State Attorney Generals
TASC

Just like in any deal with finances,it pays to find out who is playing with your money.This advice can carry over to which woman/man in personal life is in your wallet too.

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Cajunbulldog
Keeping an eye out for consumers.
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809
http://www.ftc.gov/os/statutes/fcrajump.shtm
http://www.debtconsolidationcare.com.../about216.html
Use this letter to protect your rights under the FDCPA
myfairdebt.com & myfaircredit.com-Good source of case law in forums.

Reasearch upfront can sure help in the long-run. Just takes a few minutes to save hours of heartache.

Site Administrator, we have a major issue, I have never ever been either accused of fraud, been arrested, or done any time what so ever. Guest #2, you just got into some hot water. As to scams, we are a legitimate debt settlement company. We have not had one complaint on the BBB Guest #1, not one! Site admin, I will send you a separate e-mail on how I plan on dealing with this issue.

Jason Evans
President – debt free Financial Group

I tried to look up debt free Financial Group on the BBB website for Irvine CA and found no entry. I did find a company called American Financial Service out of Irvine CA and they had an F according to the BBB. Taken from the BBB website the following grid displays the number and responses to complaints over the last 36 months:


No. of Cmpl Type of Response
2 Making a full refund, as the consumer requested
1 Making a partial refund
1 Agreeing to perform according to their contract
0 Refusing to make an adjustment
0 Refuse to adjust, relying on terms of agreement
10 Unanswered
0 Unassigned
14 Total

14 complaints seems really low to me to be honest unless this company only had 14 clients. If they have 100's of clients then this would be a really small number. Also I don't know if the 2 companies are related but the previous post did not deny any relationship.

Type in 92663 in the zip code for the BBB. Now you are in the Southern California BBB. I want to share something with you all. The BBB will give an F rating to any debt settlement company as soon as they open up. I mean with zero complaints! Here is one example; Type in debt relief Counselors of America. They rate them an F and It says, "We have received 0 complaints from this company. I heard that the someone at the BBB owns a large CCC (Consumer credit counseling) company. Something else too. The CCC's always says that their program does not affect the FICO score. This is true, but what good is a good FICO when mortgage lenders consider someone in a CCC program the same as a bankruptcy! Put Bankruptcy/CCC lender guidelines in Google and click the first link. You will see an actual mortgage lenders guidelines where you can see that they treat someone in a CCC plan as a BK! So, things are not always as they seem! And the BBB is not a government owned organization. Google them and wait to you see what you find.

I don't think its a big secret the that BBB kind of sucks. I aslo don't think its a big secret that a bunch of debt negotiation companies suck also. My advice is to stay awy from both of them if you can help it. Also not being government owned doesn't really me anything. Actually things run better in general if the government keeps their nose out of it. Ones FICO score is not owned and maintained by the government either. Those are all generated by private companies.

my sister went through this "program" with debt free financial. she asked the rep where they were located, she was told Burlingame California, (north end i believe) later she was told irvine california. not sure why they would keep her guessing about the location. i read the other entries, i googled this jason evans guy, either he has no record, or i just dont know how to find it.. so i dont know about that, but i will say this i called in to this company and listened to their shpeal, i gotta say, it is pretty deceptive.. this girl, sounded like she was reading a manuel and really couldnt answer my questions.. i mean i was really worried about the whole law suit thing and she made it sound like it never happens. come to find out, yes it does.. quite often in fact.. look i dont know about this whole debt settlement/consoidation/counseling/scam/no scam thing.. discussing the merits of the credit industry, any facet of the industry, is a waste of time.. the whole dang industry is twisted... i just know that when you are talking to someone about money, your money, they should at least sound credible.. and the conversation i had last week with this young girl was anything but informative. anyone that would trust their financial future to a glorified telemarketer obviously reading some prepared manuel is foolish.. especially when that manuel was probably written by some salesman somewhere in a big office, driving a car that costs more than you will ever see and living in a house paid for by the dollars squeezed out of good but desperate people..like my sister. if you need help with your bills, talk to a lawyer, yeah they are crooks too, but they are educated crooks that are qualified to help you.. next time you talk to a "debt consultant" ask him/her.. "how long have you been doing this?" if the answer is more than 1 year, they are probably lying.. i live in orange county, i have seen many of my friends go from the mortgage industry and the used car industry into that industry.. fortuantely, i work for the city my job is secure.. but these people are nomads going from one job to another looking for the next "big score" want proof? once you get through their sales pitch for debt consolidation, mention you are behind on your mortgage.. see how fast they go from a "debt counselor" to a "mortgage agent" here is a hint.. one job does not lend itself to the other.. so the scam doesnt seem to be the industry,(as much) but more the way these people represent their own "knowledge" and credibiltiy. by the way, from what i have found Debt Free Financial Group has been in operation since January of 08, when i asked this girl how long they have been in business she said for 6 1/2 years.. that is an obvious lie.. again, if you lie about one thing, why would i believe you about anything else?? good luck people..

What you guys have to realize that all companies have some complaints, but what you have to understand is 1 or 2 complaints doesn't mean the company's not legitimate. debt free is very legitimate, they have no complaints once so ever. File BK bad decision, cosumer credit counseling almost as bad. The "just me" guest obviously doesn't understand how debt settlement works. She wasn't even the client her sister was, I think she has too much time on her hands. She sounds like bitter woman, who just likes to judge and doesn't really no facts. You can't refinance and you file BK anymore, if you find a legitimate company like DFFG stay with them and judge for yourself, don't listen to other critical people who no nothing about the legitimate debt settlement industry. BTW I did some research on Jason Evans and he has no criminal record. That goes to show you don't believe everything you read. If you want to know anything, do what my mother used to say look it up yourself.

This forum is a joke. How do you know that these entries are not made from competing debt settlement companies? They just enter in their comments and get to slam one another. No one leaves names? Or maybe it is CCC (consumer credit counseling), which has always competed for debt settlement clients. Don't believe me? I work for a debt settlement company. I could easily say a negative thing right now about another company and unless I admitted I worked for a debt settlement company, you would have never known.

CONCERNED AMERICAN...just because you din't find anything on Jason Evans, it doesn't mean it's NOT there. I'm not saying he DOES have a Criminal Background, I'm just saying if people want to hide their past bad enough, they can. I've looked on the BBB site, for a few companies. I've never had one come up a 'F' rating, right off the bat. Especially if they have only a few complaints, I wouldn't think it would be an 'F' rating. However......remember.......this is MY opionion 9 and that's what people, on this forum are doing. Posting their own opionion). There ARE alot of scams out there. I've called a few companies, recently. Both ( i won't say names..) wanted me to give all of my information to them and they wanted to "sign me up." The way they were 'coming across', they din't want me to have a choice in the matter. If a company does this, I'm 'stay away.' Everyone has a 'gut feeling' about things, I suppose.

First of all I called the owner of this site to have him remove this web page, because of the false allegations that I did time and that our company is not legitimate. He gave me this song and dance that he could not remove anything written. He went into that he could get into trouble and so on. He told me that people have even written racial comments about him and he could not even remove that! So, on 10/1/2008, yesterday, I wrote a long response and it was up within 5 minutes. I really went out on a limb and told people I would do a background check and so on. I explained how we set up our company at the inception and how I could have saved hundreds of thousands by doing it, to be what I consider is the wrong way, which is how most people do it. I get up this morning and look again and it's is gone! Let me remind everyone that if call the number on this website and press 2, you get forwarded to a debt settlement company! I can only imagine that he owns that as well. So what is the real deal, Vikas*? *** is the owner of this site and told me he goes under Vikas in these forums. So, I have never done time for fraud, but have to have to suffer slanderous lies from what is probably an ex-employee of mine slamming me? I am going to post my response again, and when it is up take a screen shot. You say you can't remove anything, well I will have proof it is up and proof when you take it down. I already have my attorney working on it as well as Google. As I said in my previous post that was removed, I am a legitimate business owner of a debt settlement company and have never done time for anything! I will be happy do a background from a company of anyone’s choosing and post it. Just let me know though this forum and I will step up to the challenge.

* Original name changed to screen name to maintain anonymity and respecting privacy. Please go through the TOS (http://www.debtconsolidationcare.com/tos.html)

*** Original name deleted to maintain anonymity. Please go through the TOS (http://www.debtconsolidationcare.com/tos.html)

Click debt free, the words that have a link in the beginning of this page in the first comment and you get linked to submit your information for debt consolidation, or debt settlement! Folks, what this forum really is a lead capture site. If I wanted to spend the money and time, I could start a site similar to this to generate debt settlement leads. Then call them or sell them off or both. Guys, things are never what they seem.

Jason Evans I clicked on "debt free" and got THIS, so what exactly do you mean? You do realize it states in the TOS CLICK HERE messages posted in this forum are the sole opinion of the poster (author) and he/she is fully responsible for it, don't you? It's at the readers discretion to believe or disbelieve what is posted here.

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