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#1 02-03-2009, 11:54 AM

I was looking at reviews of Debt elimination agencies and came across debt free destiny com which is apparently owned by Brad who is also the founder of Court Mediation Services (known as Integrity Debt Relief also)

He praises the company he founded obviously and looking at the thread at the bottom of the page, many people like us were questioning if this company is really legit and if it really does work.

Some people really went the distance looking into this so called legit company and uncovered really interesting information.

Please check it out if you're thinking about going through them and handing over money you probably can't afford to lose!

To me, it smells like a big scam!

#2 02-03-2009, 03:34 PM

I agree with you that it sounds like a big scam but i did alot of research into this and there is no one that actually put anything on any of the scam reports actually saying they gave him money and it didnt work. I have one friend who is in the program for 4 months and his friend is in the program for 8 months and the one who is in it for 8 claims that it is working. I am not in the program myself yet because I am nervous about it. I wish I new someone that actually either completed the program or got scamed that would help me make my decission.

#3 02-03-2009, 04:14 PM

I just feel that with the way my financial situation is right now, I can't afford to lose any more money or be a victim of a scam.

It's better to be safe than sorry. Until there is actual proof from multiple people, I'd stay away. Too many unanswered questions in my opinion.

#4 02-20-2009, 06:45 AM

Good Ideas fellas. And there will NEVER be proof it works. It doesn't and they tell you that when they sign you up. Just read the fine print. Check the BBB to see what they had to say about this operation.

#5 03-05-2009, 03:12 PM

Hello Folks,

My company, which represents a network of 3 debt relief services including curadebt and careone credit has added CMS to its roster.

CMS is 100% legit and the process they use is just as effective as any settlement or consolidation plan.

With any service, the accounts are allowed to go into collections with the hope of a settlement which would then be paid. CMS process is very similar just using a method that 1. makes CMS an interested party on the accounts
2. Holds the creditor to honor terms set out by CMS.

My company has referred over 20 clients to CMS since April 08 and they are all happy with the service.

I speak to people with heavy credit card debt daily and many of them have hired a settlement comapny or some repayment plan/consolidation company and are now facing lawsuits despite the effort.

CMS plan is very aggressive towards creditors and forces some things to happen that other companies kind wait and see.

CMS is not the solution for every situation but bottom line it is a viable option.

DIS

#6 03-06-2009, 10:10 AM

If what you are saying is true that it is not a scam why wouldnt the program be for everyone? to get rid of debt for $2500? who would this not be for?

paulmergel · #7 03-06-2009, 10:36 AM

good point guest.it's because they can't scam that much for that little debt.it is a scam pure and simple.just like FDRS was.

#8 03-07-2009, 11:35 AM

CMS is not for everyone because every situation is different. Some strategies are better than others.

If someone has $15k or less of non-secured debt ($2500), I would suggest paying that off. It is always best to pay back your debt. A good consolidation plan may be more effective in this case or simply trying to work out a deal with the creditor.

If someone has higher amounts of debt that are in collections, then a settlement service would in most cases be the best option. Settle the accounts and have them marked settled in full. Avoid lawsuits.

If someone has higher amounts of debt and is considering bankruptcy, struggling to make payments but making some, then CMS may be a good option. CMS makes payments on your accounts and offsets them down with thehelp of new terms that are in their favor.

Finally, I am not here to promote any specific method of debt relief or argue with Paul who knows so much. I just know from speaking with my clients that many of them have tried other methods that didn't work out as planned and are now facing lawsuits which is a little late for us to get involved with.

I work with 3 companies (consolidation, settlement, CMS) I direct people to the proper place based on their situation. If you dont understand what CMS does or dont feel good about it dont do it. You have to feel good about your choice.

Paul I take your comments seriously. I promise you this will be my last comments here, but I suggest that unless you have real evidence showing that CMS is a scam and will take your money and run, which is not true, and you cant have such evidence, to stop. Just my suggestion.

frogpatch · #9 03-07-2009, 11:56 AM

Hello! Does anyone know how to google out there? Please read!

http://www.ripoffreport.com/reports/...Off0235669.htm

#10 03-09-2009, 07:45 PM

jersy boy,

you are working for eric pemper?

#11 03-09-2009, 07:46 PM

beware of jersey boy,

another eric pemper scam.

#12 03-23-2009, 11:39 PM

we are about to try it. yes it does sound to good to be true...our only other option is to file bankruptcy. we figure, if it is a scam, we will just have to move forward with filing bankruptcy. the money that its costing us to do the program would not help or hurt the bankruptcy option. we are really just gonna pray about the situation and hope for the best. we'll update you on the outcome...for those of you who are interested.

#13 04-17-2009, 09:48 AM

I have been in the program for about 7 months now and I can't tell you if it is working or not. For the most part the collection calls have stopped, except for 1-2 credit companies. I dont get any more statements and my credit report now reflects that I have 30-60-90-120 day late payments. When I try to contact CMS there is no phone number to get a hold of somebody and the only way to reach someone at CMS is through e-mail and that takes 1-2 weeks to get a generic responce back that state dont worry everything is going as detailed.I never get a real answer to my questions. I am at the point were I am ready to send my credit reports to CMS so that CMS can start to dispute the negative marks from the credit card companies.But I am not getting any responce. So in my opion I think this is a scam. Why would there not be a phone number to the offices at CMS and why would I never get a real reply to my questions? If somebody elese out there has any real life experience in dealing with company I would love to hear from you. I will post again with an update to let everyone now if this is scam or not. Oh yeah I definatly will report them to the BBB and to any other angency I can.

#14 04-17-2009, 09:48 AM

I have been in the program for about 7 months now and I can't tell you if it is working or not. For the most part the collection calls have stopped, except for 1-2 credit companies. I dont get any more statements and my credit report now reflects that I have 30-60-90-120 day late payments. When I try to contact CMS there is no phone number to get a hold of somebody and the only way to reach someone at CMS is through e-mail and that takes 1-2 weeks to get a generic responce back that state dont worry everything is going as detailed.I never get a real answer to my questions. I am at the point were I am ready to send my credit reports to CMS so that CMS can start to dispute the negative marks from the credit card companies.But I am not getting any responce. So in my opion I think this is a scam. Why would there not be a phone number to the offices at CMS and why would I never get a real reply to my questions? If somebody elese out there has any real life experience in dealing with company I would love to hear from you. I will post again with an update to let everyone now if this is scam or not. Oh yeah I definatly will report them to the BBB and to any other angency I can.

#15 04-22-2009, 09:42 PM

I cannot say if its a scam or not, but on each account you submit you have a signed, notorized notice of Assignment of Debt agreed to by both parties involved. That is a solid contract to assume the debt. I also received a thank you notice from one creditor for my payment. Since I personally did not send any payment directly, it obviousley was sent from CMS as they promised they would do. I think many people writing above are falling victim to the "sounds too good to be true" blues, without actually listening carefully. If this was a scam, it would have been shut down 7 years ago when it started. The BBB would have thousands of complaints on file. No such evidence exists. The only evidence I can verify is I have found no complaints listed by any agency, sand so far, they have performed exactly as they said they would with signed notorized forms, and payments made to my accounts as promised. That is verification with my own eyes. So for you nay sayers, I suggest you get the acts before sharing your wild assumptions.

econobiker1111 · #16 04-27-2009, 10:02 AM

There is alot of info floating around about the process or supposed process.

I have always asked the simple question- if a credit card company can have you accept their terms/conditions changes with only the "use" of a credit card then why cannot the consumer do a similar thing with a check?

Unforetunately the mods for this board have edited or eliminated or locked down some of the prior discussion about the process so you might have to research elsewhere.