CMS-Court Mediation Services (Integrity Debt Relief Grp)-Possible Scam

If you think CMS is going to beat the credit card companys by writing paid in full on your checks when you make a payment. You should take another hit from the crack pipe!

This program is most likely a scam- I would try and contact the person who set up you with the program and bug the heck out of them- make their life complicated. Call, email, send registered letters to them asking for them to either do the program or return your money. So many times this program has been shilled as working but no one ever has stepped up to the plate with documentable proof (ie credit reports even with personal info removed) to prove it works.

Also another main question posed is what kind of documentation does any one get to "prove" that their accounts are zero from the credit card companies. I asked this many times as creditors often sell debts. Even if CMS says that Bank of America said you didn't owe money, BOA may have sold the debt to say ~Joe's Debt Collection Service~ which then will contact you 2 years later. Then will CMS be around to provide "proof" that BOA said you didn't owe the money? What if CMS has gotten hit by a tornado and all their records destroyed? So if CMS does NOT give you copies of all their correspondance with creditors, this further leans toward them as doing a scam.

Here is a closed thread that was edited (or gutted) pretty heavy by someone running the forums who disagreed with questions which were asked:

Integrity Debt Solutions, Brad Daley & CMS – part of a big scam


http://www.debtconsolidationcare.com...utions-11.html

wow! i just read that link, pretty crazy. HOnestly i dont know if its legal or not, but it scares me, and i could see it working in the beginning but i would think the cc companies have cought onto it by now. just my opinion

CMS is not a scam. I am not afeliated in any way with them but they are helping me and i too was in the same boat as many americans . And let me tell you that it does work and the process of novation is true. The ccc once they charge off the account they are done . they take the write off and they are done. They cell the old accounts for pennies on the dollar and thats why you get the voltures in the coolection agents, All you do is send all to CMS and even though its hard but you must not talk to the Coolectors. All you say and trust me is "I dont discuss any finacial matter over the phone please send all by mail " then hang up. If you do that the ball is in your court because they can not say things in writing like they can on the phone. And CMS will look at it and respond for you. They will make the agents not call you any more. They are now forced to cantact you only by mail. So dont talk to them on the phone.

I have been enrolled with CMS (Consumer Mediation Service--no longer called Court Mediation Service) for almost 6 months. Making contact with them is extremely difficult after they get your payment--but I have gotten responses. I even got an Answer prepared especially for me to use for a lawsuit Summons--twice. I got out of those lawsuits by using my own Fair Debt Collection attorney--but I did have to respond to the lawsuit myself, which CMS helped me do through the Answer they provided.

There do appear to be some indicatons of their work with my accounts--some of which show $0 balances due for no reason I know of other than CMS. An attorney even said one of my lawsuits was easy to settle because it was "paid or something." This sounds like CMS was doing what they said they would do. However, I have also been doing a lot to help myself and have had extremely good results with Krohn & Moss Consumer Law Center of Los Angeles in dealing with 3rd party debt collectors (prior to lawsuits being filed.)

I am very frustrated with CMS over not returning my notarized assignment of debt forms. I got back only 3 of 15 of them, even though they said they would return them. CMS Customer Service is terrible and each time I am ready to conclude I was scammed, they do get back to me--but barely. They were legitimate in returning some enrollment fee money to me when I "unenrolled" some student loan debt--deciding damage to the credit report of the student involved was not something I wanted to take a chance on.

As I've already said, it is very difficult to contact them--you have to wait for them to decide to return your email contact. I'm very frustrated but somewhat sure they are doing something for me on some of my enrolled accounts. This is what I know for now.

They have all type of phone #s and my rep alway talk live with me and live message reply on same day guide me in details.

I have 4 pending lawsuits and still not getting all the papers from them as promised. No replys on any emails I have sent them

CMS is a scam. I am a debt collection lawyer and I have personally sued and won cases against CMS clients. In fact, last month I got a default Judgment and $500 in sancations against a CMS client because the court agreed that the CMS responses he was filing were garbage.

The short answer as to whether CMS's technique can work is: No.

Every agreement you enter into with the credit card companies contains a clause concerning novation. The clause either says that novation is never valid or it says that any novation has to be sent to a special address. (And of course any mail received at that special address is immediately returned.) Maybe you should spend some time actually reading your contract instead of trying to get quick advice from the guy online with the little devil decal.

The simple fact is that you're not smarter than the credit card companies. (Exhibit A: The fact you're looking online for legal advice.) Stop trying to game the system. Stop trying to find the easy way out. Stop imagining that you're going to have that moment where, in a dazzling show of legal maneuvering, you outsmart the otherside and discover that loophole that nobody else saw. It's not going to happen. You're not that special.

If you grow up, take responsibilty and work with us, we will work with you. If you come in with this bag of "tricks" and think you're going to beat us with your internet-forum-education, we will grind you down. And enjoy it.

typical humanoid.i also think the term "debt termination"is a sham as i fought shills not only for this scam,but FDRS as well.i do believe people can settle their credit card debts if they keep in contact with the CC companies.your post while attacking the debt termination myth also smacks of the old "pay your bills"that typical humanoids spew.nobody especially me tells people to hide or find ways not to pay debt.in this economy caused by the same banks that handed credit cards out like candy they should be willing to settle with people,but alas they play hardball with people causing them to either.

1)go with a scam like this,or several other settlement/termination scams,or.
2)declare BK.

sorry,but the cc companies are as much to blame in this.while i will never take the stance you say i do.scams that promote debt termination are the ultimate scam.btw before you invoke me have proof of anything or advice i give as you were wrong about me from the getgo.

My point is not that you advocate debt termination. My point is that you have no idea what you're talking about, are dangerously unqualified to give advice and are dead wrong on nearly every piece of advice I've seen you give.

Exhibit 1: "i would also guess this law firm is a made up entity by someone at namakan as debt are civil matters,not criminal ones.lastly even if they could take you to court they cannot garnish as PA is non-garnishment."
Not true. None of it. Your "guess" has no basis in anything and has no facts to support it. Default on a loan can turn into a criminal case in certain circumstances. PA can garnish bank accounts.

Exhibit 2: "no in fact this idiot whoever they are broke the law."
Again, you make a statement with nothing backing it up but your personal opinion. There are any number of people who can call you up and tell you to appear in court legally. Clerks, sheriffs, constables, plaintiff's attorney. Each of these people can and do tell the defendant to appear in court and each of them will have a file on the defendant.

Exhibit 3:"it is definitely a scam.those are favorite threats of a bottomfeeder.especially one that tries to collect on old pdl's.file a police report for the call."
Do I even need to say it? You make a decision and advise this person when you have no information. You know they got a phone call and you're telling him to ignore it and call the police.

You've been wrong in 3 of your last 3 posts. That was my point.

But, on the other hand, anyone stupid enough to take your advice deserves the trouble it will bring.