"Is Integrity debt relief, Integrity debt solutions, and CMS all the same organization? Does this technique work on a credit card account that is closed?"

Hi Quincy,

The first one is questionable, the second one is a CMS agent site but is not the most up to date.
relief2day.net is the site that I signed up with and it has some great info on it about CMS and Brad Daley
Call Eileen and ask her your questions or fill out the form and it I remember right she will call you.
Almost 7 months in and lov'in it!

Please stop deleting my posts!
Get in touch through Integrity debt solutions

I filled out the form on Integrity debt solutions. Then Eileen called and must have sent me her link relief2day.net
I have relief2day bookmarked but a search for it did not turn up the sight.

Integrity debt solutions is a totally different company than Integrity Debt Solutions-Texas. I found out that there are many companies with the name "integrity" in their title and they are all separate.

Integrity Debt Solutions-Texas is a company that is legitimate - they specialize only in Texas and offers a money back guarantee. They told me ALL of the details up front so I wouldn't be surprised and after 3 years I found that they were telling me the truth.

I am very satisfied with the service they gave me and would recommend them to anyone.

Go to relief2day.net and read the testimonials. Then go to gotocleancredit.com and read the testimonials. Notice anything funny there???????

All I can say is CMS with Brad Daley is working and this forum is not the place to talk about legit companies.
I have experienced post deletion and them adding links to different places than I was referring to.
good by, have fun, enjoy your debt

"All I can say is CMS with Brad Daley is working and this forum is not the place to talk about legit companies."

Why say this? What do you know?

Tom321: Just because the 2 web-sites have the same testimonials doesn't mean anything, they are both promoting CMS, that is why they have the same textimonials.
Check out any online business opportunty, for example CASH GIFTING, I guarantee you that you will find numerous sites that promote and have the same verbage in their site and the same testimonials. They are using the same marketing material.

One was for debt settlement and the other was for debt elimination. These two processes are 2 completely different things but have the same testimonials. This is not alarming to you? And the debt elimination scheme is the same stuff we have heard time and time again. I read it and listened to the recording. I know personally to be completely false.

Any company that does not handle their own business raises a red flag in my book. But that's my opinion.

I understand where you are coming from. Try to remember that these sites are in competition with each other and are not owned by CMS or anyone affiliated with CMS, they are in competition with each other and push other programs besides CMS. They steal from one another, it's been going on forever, the hot thing now on the internet is debt whatever, so these owners use the same marketing items and testimonials to promote their sites. If you are implying CMS is a scam, and it may be, WHERE ARE THE DEAD BODIES? CMS has been on the internet now for quite a while, if this was a scam people would be coming forward left and right and they just aren't.
Remember, this is the internet, I can be anyone I want to be on the internet.
If you have gone through the CMS process and you know this to be false as to what they they claim, then why aren't you doing something about it?

You misunderstand. I was ripped off by a settlement company so I took it upon myself to learn about the industry. debt elimination is a SCAM. It can't be done.....period. And the debt elimination site states things that I've learn that are completely false because I tried them and failed before I knew that it can't be done. Also I consulted with a consumer lawyer in my area and he also helped me understand the industry.

I have learned that if anyone offers debt elimination you better run the other way. The ideas of how it can be done is complete nonsense. I listened to the recording and it's a joke. But the only reason I know this is because I took it upon myself to educate myself. Among the industry it is common knowledge that it can't be done unless you do something illegal.

A scam has a beginning and an end. No dead bodies yet might be because the body count is low at the present time. It may never get high and they may decide to close down and open up somewhere else. You never know.

Is CMS a Scam? Don't know. But doing a little investigating of these sites raise a serious red flag down to the cheapness of the sites themselves. When you have to play detective to find out who is the backend company, that is a serious red flag. That's why it is also common knowledge in the industry that you should only go with companies in YOUR IMMEDIATE area where you can go into the office. NOT the internet. But people never learn. I would advise anyone to choose another company. My Spider senses are going berserk on this one....LOL. Better to be safe than sorry.

But one thing is for certain......DEBT ELIMINATION does not exist.

When you use the laws that are in place, how can this process be illegal? Contract law, you make the cc company if they accept that have obligations, if they don't accept they are under no obligation.
You are correct that there is settlement companies out there that use legal sounding documents that are given to a client with the purpose they submit to their banks to absolve them from their payment obligations, which are not only fraudelent but have the potential for justice dept. investigations.
But, this is not the case for CMS. Although the recording sounds cheesy it is a stripped down and easy to understand version of the process. Once you inquire about the process from one of their agents , you should receive full disclosure and have the opportunity to as any questions you may have. I did not learn of this program through the internet, and although your "immediate area" comment holds true is some cases, with CMS it is beneficial. When the creditor accepts the new terms and performs on it, one action being switching over correspondence addresses to CMS's , they have inadverdently changed jurisdictions. In this strategy it may deter the cc company further from pursuing collection since they would have to travel states possibly countries to do so. This along with the new contract, the continuance of them cashing CMS's consideration cheques on your account (now theirs), the assignment and the limited power of attorney, plus the countless violations of the Fair Credit Billing Act, Fair Debt Collection Practices Act and Fair Credit Reporting Act the burden of proof is an uphill battle for the cc companies and in the end their time would be better spent collecting on accounts that are simply deliquent.
In a FTC release (2005), they have been investigating companies that have fraudelently market their programs by making promises they cannot keep and warn consumers of the no money lent claims these business make, but since their inception CMS has no reported customer complaints on the BBB, no investigations/ decisions with the FTC, no complaints with the Alabama Attorney General, and CMS has retained legal counsel for development of the process; who stills remains part of their legal team. Before judging this company simply on the websites their agents have created please, like you said, do a little investigation. Before any business venture you do have to play a little detective to research their effectiveness and reliability. When doing so you would obviously go to official reporting sites (FTC, BBB, etc.) to acquire this info and not hold a survey on the design of their websites to come to a conclusion on their compabilities.
I find it ironic though that for someone who has obtained consumer lawyer assistance, sites common knowledge in this industry, promotes investigation and cries debt elimination foul, you can't say for sure that CMS is a scam. After all your advise you ultimately have relied on your perception of CMS on a couple of poorly designed websites.

I'm going to say it again. YOU CAN'T ELIMINATE DEBT. IT CAN'T BE TRANSFERRED TO SOMEONE ELSE or SOMEWHERE ELSE. If YOU did the spending then it's YOURS and it's legit. It's YOUR SS# and YOUR name. No one else. CC companies and CA DO NOT have to except anything except your money. If you have debt in the US and you live in the US they will FIND you and come after you.....period. CA's are now relentless because they know most people will not show up in court. This is becoming BIG business. Judgment against you, BAM, they last 20 years. They have 20 years to find you. It's that simple. They are not going to contact anyone you think you transferred the debt to. It will be YOU. YOU will wake up one day, go to the bank and realize that all your money is gone. Not the company you hired to fix this......YOU. My immediate area response holds true in EVERY case.

No one has to believe me. But I know this to be 100% true. debt elimination is a myth. EVERYONE knows this in the industry.

Oh sorry people there is one way to eliminate debt.........BANKRUPTCY.

Google COURT MEDIATION SERVICES AKA CMS in this forum and the net and read for yourself.

The problem with your comments:
1. CC companies and CA DO NOT have to except anything except your money. - but they have, they HAVE accepted a contract by cashing a cheque with terms attached which was handled by customer care agent, they HAVE changed correspondence address
2.CA's are now relentless because they know most people will not show up in court. - no matter how relentless they still have to follow the law and acts in place, if you go through the trouble of acquiring assistance with your debts your right not showing up in court is kind of silly, show up in court they are there for you as much for them plus they have the burden of proof.
3.They are not going to contact anyone you think you transferred the debt to. - again since 2 months after enrollment that is ONLY who they have contacted by mail.
4. YOU will wake up one day, go to the bank and realize that all your money is gone. - unless you are unaware of a court order this can not be done without your knowledge, if after judgement they have acquire a subpeona for your assets, this usually is only done after a judgement and you still don't pay.
5.My immediate area response holds true in EVERY case. - so i guess there goes global transactions, if your talking strictly settlement companies , how many have you gone through to be able to say true in EVERY case.

You offer some strong stances with nuances of entirety, EVERYONE, EVERY with some tactical selection of reverences to the debtor, YOU. After studying the collection industry it seems you have adapted a fear tactic of the cc companies, the constant use of the word YOU in generalized letters sent genericly to any deliquent account holder.

One last thing, the intention of CMS is not to hide but engage the creditors with an offer. They don't suggest not showing up in court and offer legal counsel if for some reason it comes to that. They also recommend for your peace of mind acquiring legal advice before enrollment. It seems to me you have not even researched in entirety the extent of CMS's process.

Very generic comments, scare tactics, overuse of CAPITOL letters to make a point and empty arguments that could be used simply in coffee talk with an uninformed person.