Why can police break driving laws on the regular?

Why can I enlist to die for my country at 18 but can't drink until 21?

Why are certain drugs illegal when tabaco and boos kill at an alarming rate?

Why if I don't use credit cards my fico score will suffer?

Why can a CA sue me in court without any proof of owning the debt they are suing me for?

Why can a CA put false info on your credit report without you knowing?

In fact why can a CA even access your credit report info without permission from you? Isn't that info private?

Why is Brad Daley not in jail yet? In fact why are all these scammers getting off without jail time? Laura Hess + Edward Cherry + Campos + Americorp = 20 million unaccounted for.

It's just the way it is............ This topic has been over a long time ago. It doesn't work........PERIOD.

NEW CMS name called the {National Debt Relief Network}...LOL. Go to the site(nationaldebtreliefnetwork.com) and hear the audio. You can also hear Brad in an so called interview. Very funny stuff. Very funny. WOW he is pulling out all the stops here....LOL.

I have been with CMS now for about two months, and contrary to Erica on April 17th, I have always been able to get ahold of one of Brad Daley's associates (with the last name "Cook") by the phone numbers they provided me. I have no reason to doubt these folks are legitimate, and though the program does not work EXACTLY as described on the welcome tutorial (some of the process is out of order, or details left out of the overview), things seem to be proceeding. I have received signed copies of all of my Notice of Assignment letters back, as blueman said. I have no worries, either, since bankruptcy is my fallback, as Plain Jane suggested.

I have been seriously considering turning to CMS for help. I am very skeptical and would love to talk with someone who has personally gone through the process. I have been unable to find useful information regarding this business. When I checked on the BBB website it says that this is not an accredited business but on the other hand there aren't any negative reports on it either. ANYONE who has ANY information please let me know.
Thanks

Is CMS being sold?

I have been in the program 12 mos now. I sent my CR's to Alexin group as instructed. I was told to wait until June 11th. I waited now every creditor is calling and sending me Judgement threats! I can't get a answer from my agent Cam or Misty from Alexin group which disputed the debts. I recieved CR's back with nothing removed. I paid over $3500.00 for this service, 12 months later I'm still hounded..I pray that someone will email me it's ok! that was all the money I had after loosing my job last year.

If you want to get personal replies like PMs or emails got to scam.com and register there. There are folks on there who will respond.

Debt conolisdation companies want you to believe that CMS is a scam so they will charge you an arm and a leg to settle your debt at 50% . i can do that myself. Trust me on that.
I have been in the program for about m months, my agent is avaialable anytime i have a question or concern. So for those who think elimination will happen overnight think again. This is a process that needs patience. if you don't trust it don't do it.
check with BBB, and there is not complaint to CMS.

a debt elimination scam doesn't happen overnight.usually after about 6-8 months a credit card will sue you.when that happens the debt elimination scam will become unresponsive and not help at all,but will continue to take your money.debt elimination is a big scam and you are headed for disaster.

It's really funny when you see so many people posting what they think is a scam and have not researched the facts on a company or the person. Opinions are just that, opinions not fact so if you are going to post something about CMS or for that matter any business, maker sure it's fact and not your biased opinion. Get your facts straight!!!

they are in the same business model as federal debt relief system.the owner of that MARK CELLA is on the run from the gov't.just like them they had people swear to the heavens about how wonderful they are.let's see how you feel when the first creditor sues.bet you'll have adifferent take then.btw mark is running because of complaints prompting them to invstigate.again anyone wh uses them is headed for trouble.

Guest we are not posting opinions here. IT DOESN'T WORK PERIOD. THAT IS FACT. I can't believe that people are still talking about this topic. This has been laid to rest a long time ago.

The whole process doesn't make any sense at all. Just read CMS's own contract. It tells you flat out.....IT DOESN'T WORK on the contract YOU have to sign....LOL.

Search the net to find what the contract actually says. Someone posted it online somewhere. I was entertained reading it as you will be also. Complete double talk dribble.

About the Company

Court Mediation Services was founded in 2000 by Brad Daley and Integrity Debt Relief Group appears to be just a name that are doing business under.

Fees

Their fees are referred to as “Process Cost” and can vary per client, but the general unconfirmed consensus is that it is $2500 upfront.

Their Process

You, as the customer, provide them with enough money for 1 more minimum payment on each account that’s still with the original creditor, plus $43 fee per account. If a minimum payment is less than $50, they require $50. If the credit card company is demanding overdue and over limit fees, then Integrity Debt Relief Group only requires 2% of the balance.

If the debt is with a collection agency, no minimum payment is required.

Integrity Debt Relief Group (Court Mediation Services) sends a check to the creditor along with a change in terms and conditions. The new terms and conditions are now reversed in favor of you (and Court Mediation Services). Some examples of these changes areThis is not legal)

* they can’t charge you any interest(Wrong)
* the new minimum payment is $10(Wrong)
* they can’t charge late fees(Wrong)
* they can’t put any negative marks on your credit report(Wrong)

The new contract also stipulates a monetary penalty from $500 to $2500 if they break any part of the new contract.(You can't change the contract with your creditors)

The Contract

By cashing the check that is sent, the creditor is accepting the new contract, with the new terms and conditions (this process is called novation). (This is so not true, against the law and against the original contract you signed it's laughable.) CMS intentionally sends the first payment late, to induce the first violation of the new contract. The creditor always cashes the check, and in doing so violates the new contract, and subjects themselves to the penalties spelled out in the new contract.( They just told you that they are trying to TRICK the creditor)

The object of these tactics is to lure (TRICK)the creditor into breaking the new contract, which according to Integrity Debt Relief Group (CMS), they always do. Month after month, the credit card company cashes the minimum payment (now $10), and assesses late fees and overlimit fees, etc, continuing to violate the terms of the contract.

The Credit Card Company Will Owe You Money....Rubbish pure and simple.

The penalties add up every month and soon equal (or “offset”) and often exceed the debt previously owed to them. CMS uses the simple and airtight process of contract law (offer, consideration, acceptance, and performance) to demand that the credit card company (or other creditor) retire the debt, or pay them any excess fees according to the the new contract.

According to the company, “They will act as if they are still under the original contract and we let them do so until the penalties offset the original debt.” CMS does not give specific statistics on how many cases they’ve handled, but they imply that they have successfully offset very account and have never been taken to court. The Creditor understands that the contract is binding and they can’t win.

If the debt is with a collection agency, CMS follows a more traditional approach by disputing the debt and requiring validation.

What to Expect

The company warns customers of a couple things:

1. expect collection calls and ignore them(Don't do this)
2. expect some mail correspondence and forward them to CMS(Don't do this, this is the TRICK on YOU)
3. expect negatives on your credit report for 6-12 months. This is a violation of the new contract, but will be removed later in the process. CMS starts this removal process at month 7 after you send them your credit reports.

According to the company, their complete process takes 12-15 months to eliminate the debt and correct your credit report.

Website Experience

Integrity Debt Relief Group’s website is a simple interface, with only 1 page and a consultation form. It lacks any real information about the company, but instead encourages people to fill out the free consultation form in order to speak with a representative.

It’s clear that their intention is not to get you a settlement on your debt, but to eliminate it. The main part of the page is an 12 minute audio piece that explains in detail how they will “legally get rid of 100% of your unsecured debt.” I guess in this case an audio clip is worth a thousand words.

This whole process is so fictitious and against the law in every way. YOU CAN'T ELIMINATE DEBT.

Now this review looks like it was written by someone who visited their site. NOT TRUE. It was written by THEM themselves. On debt free destiny dot com.

THIS IS FACT NOT OPINION

ALL AT THE BBB:

Based on BBB files, this business has a BBB Rating of F

Reason for this F rating include:

* Failure to respond to 1 complaint filed against business
These complaints concerned:
1 regarding Advertising Issues
1 regarding Advertising Issues

These complaints were closed as:
1 No Response
1 Company failed to respond to the BBB to resolve or address the complaint issues.

The BBB is experiencing a high volume of calls and inquiries for this company. Inquirer's are asking the BBB to define the method of Novation, used as a process of debt relief services. "Novation", the method used by this company is unknown to the Better Business Bureau. We have sought information from a number of different independent sources and have been unable, to fully understand the service as offered, at this time. In our efforts to assist both the company and consumers, we are including in this report information which was voluntarily provided to us by the company on January the 26th 2009. The information describes the process in it's "New Client Agreement", included below.

Section titled: "Rights and Responsibilities of Consultant" Consultant agrees to utilize his best efforts to undertake a process known as "Novation" on certain contractual obligations of the Client. This process is considered controversial and uncertain in many regards, and there can be absolutely no guarantees of a successful outcome. It is understood the purpose of this novation is to transfer responsibility for debts to CMS and to reduce the clients debt as much as possible without bankruptcy proceedings. It is understood that this process does not eliminate legal liability on the debt on the part of the debtor, but adds CMS as a party in interest to these claims as a matter of convenience so that CMS may undertake services on the client's behalf., and to establish potential defenses and challenges to credit card collection action.
It is further acknowledged by the client that no representations or warranties are made concerning the effect this process will have on the clients credit score, and that the credit score is likely to deteriorate from this process.

As a function of the BBB's ongoing efforts to educate consumers in all industries, we will continue to research the method of "Novation" and make necessary adjustments to our information, when it becomes known to the bureau. For General Information "Debt Relief" services you may wish to vist the FTC website.

Copy of the agreement you sign for CMS:

Court Mediation Services
PO Box 1609
Phenix City, AL 368868

cmsaccess@gmail.com

CMS Purchase Agreement

This information is written to provide accurate and authoritative information by Court Mediation Services only. The term CMS thereafter will refer to both Authorized Agents of Court Mediation Services and Court Mediation Service Office Personnel.

CMS agrees to work on the client’s behalf for the agreed upon services.

CMS makes no claims, warranties, guarantees or representations of any kind because no one can pre-determine how a court will rule and/or how a judge will respond.(Why, I thought you have never been sued and a 100% success rate?)

CMS is not engaged in providing or rendering any legal advice or professional services. If legal or other professional assistance is desired the services of a qualified licensed professional should be retained.(What???...you are providing professional services. Why would they say this?)

CMS specifically disclaims and liability, loss or risk incurred directly or indirectly by the use and application of any information assistance or documentation presented to the client’s use or application.

CMS shall have no liability or responsibility to anyone with respect to contact and settlement negotiations or agreement(s) that may result from any negotiations and/or settlements, or for any loss or damages caused or alleged to have been caused directly or indirectly by such efforts and/or negotiations.

For legal reasons CMS does not guarantee, promise or claim and specific outcome from utilizing its negotiating settlement services or programs, and such guarantees, warrenties, representations, or claims are not expressed or implied.( I thought you always win?...If that's true you should guarantee. That's what the audio said on your site)

Client(s) shall hold CMS harmless for any loss resulting from the services contemplated herein, it being understood that the results of the information, assistance or documentation provided herein may vary and cannot be predicted with certainty.(Again, Audio said otherwise. It can be predicted you said remember you always win)

Information and results presented in this information or by Certified Agents, CMS office personnel, are only offered as examples and limited in their scope and application and are done so without prejudice or giving up any rights.

Current and past results from CMS’s successful negotiated settlements, arbitration’s and/or mediations will and can vary from one client to the next and there is no guarantee that the success of present or future negotiations will achieve the same, better or lesser results.

CMS recommends and encourages at all times when the client has a legal question that the client seek competent legal advice from a licensed attorney in his or her state. CMS will make referrals to Consumer Advocates when requested by the client(s).(You are COURT MEDIATION SERVICES. Your name screams legal. NOVATION is a LEGAL process. You deal in the legal process. This is what you SAY you do. Why do I need to ask someone else? They are telling you upfront that they can not deliver what you are paying for. This statement just boggles the mind. It's laughable...really)

CMS will return any unused monies sent to CMS from client designated for settlements, negotiations and contractual consideration.

Fee scale: (Not sure about this one but this is what I found)
To Offset up to 10 accounts or $100,000 of debt through CMS the cost is $2,500

To Offset up to 15 accounts or $200,000 of debt through CMS the cost is $3,500

To Offset up to 20 accounts or OVER $200,000 of debt through CMS the cost is $5,000

Thereafter an additional $350.00 per account.

The cost can be paid with a credit card if you have available credit. If you want to pay via credit card, let me know and I send you an email invoice. If credit card payment is not available, you will need to send a cashier’s check/money order along with the documents from Step # 2.

I am in the process of using CMS and have been in the program for a year now....I have been referred to Alexin group to fix the credit side. I am now getting calls for an attorney/collection group saying that I will be sued. I am getting really nervous and about ready to call and see what I can set up as a payment plan. I certainly don't want to be dragged to court. DOES ANYONE know of someone who actually has gone through the entire process with CMS and things worked out fine?