Lifeguard Financial - What are the debtors saying?

UPSET · Sub: #**177** Replied on 09-25-2009, 07:54 PM

I am floored I just found out they have an F rating as well this is a disgrace.. With ethics like this this company will be out of business soon. .. I am so upset because I really trusted this company to help me out of debt.. if something sounds to good to be true it is too good to be true.. i will be gettin my lawyer asap because this is a scam

A & B · Sub: #**178** Replied on 10-06-2009, 10:29 AM

We have been scammed by a guy named Emilio at Lifeguard Financial. None of our creditors were ever contacted by Lifeguard by for settlement. I spoke with Noteworld who is the payment processor who took our funds out and distributed them to Lifeguard. Noteworld said that all they can do is send an email to Lifeguard. They will not take any action to report fraud. I told them that this a federal crime and she said that she would not report it to anyone. Another woman from Noteworld told me that they can stop my withdrawals but I should have received cease and desist letters from Lifeguard which I never had received. We will be reporting both companies to the Better Business Bureau.

DUH!!!!! · Sub: #**179** **changing the company name** Replied on 10-08-2009, 06:40 AM

so now I must assume that verizon is a scam as they used to be bell atlantic and before that they were nynex and before that they were new york telephone man a HUGE scam 4 name changes oh no!!!!!! Lifeguard financial merged with a LAWFIRM FBL associates and wasrenamed SAFETRUST now attorney based!!!! oh dear a big scam...... listen carefully NOTEWORLD A+ with the BBB debt settlement to see the benefit complete the program, If you pay $24 to see a movie with your spouse and you never take a seat in the theater were you ripped off NO it is your fault for not allowing yourself to see the film. DEBT SETTLEMENT only works for those who complete the program!!!!!!!!!!!!!!!!!!!!!!!!!!!!! when an esign contract is sent with a joint account holder signature needed. 1 person must sign their side first then send it then a second email will occur allowing party 2 to sign the other side otherwise it would be considered forgery as only 1 person has had access to the document. I have just 1 question for all you people who refuse to believe that we work our as..es off for all of you. Do you bring a food scientist with you to every restaurant to test the food before you eat it?? My god the BBB rating for safetrust is F because as SAFETRUST we have no history yet freedom financial who has 1000's of tv commercials also has an F as do ALOT of settlement companies mcdonalds has had an F 100's of times stop whining either complete our program and see for yourself or pay back 50,000 on a 10,000 credit card over 17 years this program is for people who want to be debt free not people who want to bitch and moan.

paulmergel · Sub: #**180** Replied on 10-08-2009, 06:50 AM

i would rather hire a reputable company.not one where a shill has to come on and talk down to people.spin it anyway you want.your company is not to be trusted.

Alex Vilk - Con Artist

BEWARE:

Lifeguard Financial is now SafeTrust Financial - These scam artists just switched their name from Lifeguard Financial to Safe Trust Financial because of being barred from all the States for multiple complaints.

Their new website still says Lifeguard Financial on the top left header - fools.

Can you say - dumb thieves just won't stop!

Alex Vilk - National Sales Director and Safe Trust Financial are your new team of Con-Artists moving from one roach motel to another.

BEWARE - http://www.myfinancialsolution.org is the NEW - FAKE Website for Lifeguard Financial which is now SafeTrust Financial.

These are the same people with the same complaints and legal problems for bilking their clients out of their money.

Do not accept calls from SafeTrust Financial - they're trained phone terrorists pitching debt settlement, but they're really just going to take your money. If you get a call and they say they're calling with Safe Trust Financial; hang up.

This company is already on the radar of the Attorney General's of each State and soon will have to find another way to con you.

It's tough out their folks, so hold on to your wallets and make sure these people meet Justice head on!

Thanks for all your help in identifying Alex Vilk as he builds more rat traps.

WOW · Sub: #**182** Replied on 10-08-2009, 09:02 AM

Wouldn’t you think a company that actually cares about their client would have a professional write on here, not someone that tries to take focus away from them by using dumb analogies? I mean lets be real if you care about these clients refer them to a manager so they can call in and speak with someone who can put their concerns at ease. Instead you guys show your true colors by coming on here and speaking the way you do. Take note on their lack professionalism and how much they don’t care about their clients concerns.

Unregistered · Sub: #**183** Replied on 10-08-2009, 09:03 AM

Quote:

Originally Posted by Anonymous

so now I must assume that verizon is a scam as they used to be bell atlantic and before that they were nynex and before that they were new york telephone man a HUGE scam 4 name changes oh no!!!!!! Lifeguard financial merged with a LAWFIRM FBL associates and wasrenamed SAFETRUST now attorney based!!!! oh dear a big scam...... listen carefully NOTEWORLD A+ with the BBB debt settlement to see the benefit complete the program, If you pay $24 to see a movie with your spouse and you never take a seat in the theater were you ripped off NO it is your fault for not allowing yourself to see the film. DEBT SETTLEMENT only works for those who complete the program!!!!!!!!!!!!!!!!!!!!!!!!!!!!! when an esign contract is sent with a joint account holder signature needed. 1 person must sign their side first then send it then a second email will occur allowing party 2 to sign the other side otherwise it would be considered forgery as only 1 person has had access to the document. I have just 1 question for all you people who refuse to believe that we work our as..es off for all of you. Do you bring a food scientist with you to every restaurant to test the food before you eat it?? My god the BBB rating for safetrust is F because as SAFETRUST we have no history yet freedom financial who has 1000's of tv commercials also has an F as do ALOT of settlement companies mcdonalds has had an F 100's of times stop whining either complete our program and see for yourself or pay back 50,000 on a 10,000 credit card over 17 years this program is for people who want to be debt free not people who want to bitch and moan.

Wouldn’t you think a company that actually cares about their client would have a professional write on here, not someone that tries to take focus away from them by using dumb analogies? I mean lets be real if you care about these clients refer them to a manager so they can call in and speak with someone who can put their concerns at ease. Instead you guys show your true colors by coming on here and speaking the way you do. Take note on their lack professionalism and how much they don’t care about their clients concerns.

Unregistered · Sub: #**184** **Dumb analogies** Replied on 10-09-2009, 09:41 AM

Have you read the whole board?? I put my company email on here so you can reach me and have not gotten not 1 email message. How is my analogy dumb Lifeguard was BOUGHT by FBL associates a lawfirm it is now safetrust financial I have worked here since April I have never heard of Alex VILK either. my analogy is dead on NYNEX was bought and expanded and became bell atlantic lifeguard was bought expanded and is now safetrust operating by the way in all 50 states!..... I even went so far in an earlier post as to lay down exactly how settlement works. but everyone just keeps trying to put fear in the minds of people who already are in deep trouble and don't even know it. for instance if you have made all your payments to creditors on time every month never late never delinquent you can still have a 450 credit score simply because of the amount of debt being carried. All I am saying is get all your information before making a decision remember most of the world was positive it was flat for centuries. well surprise it is round.

Someone else · Sub: #**185** Replied on 10-09-2009, 02:11 PM

Unregistered at 8:41 AM,

You stated in your post above:
"for instance if you have made all your payments to creditors on time every month never late never delinquent you can still have a 450 credit score simply because of the amount of debt being carried."

There is absolutely no truth to this. Can you post any data to back up this assertion?
Please do not respond with I knew a guy who knew a guy.

What position do you hold at safetrust?

DUH · Sub: #**186** Replied on 10-09-2009, 08:36 PM

I have done that go back and read and you will find that I put my company email on here to answer any concerns or questions any client would or could have but I have not received even 1 email so that tells me that the posters complaining on here are not serious. My analogies are right on target debt settlement is a process it is not a miracle. if you sign up for a 36 month program you MUST wait 36 months to see the final result. I find it funny that everyone who complains is someone who drops out before they complete even 1/3 of the process. OH well. read some of the outrageous things people say on here such as attorny generals are looking for safetrust or lifeguard we are at 4 west las olas blvd we have not moved. we were acquired by FBL associates a LAWFIRM who decided to rename us every client is now attorney backed. this was an improvement and allowed us to operate in EVERY state. again my email is astrum@lgf101.com let me see 1 real client email me with a concern I am sure I can put all concerns to rest.

DUH · Sub: #**187** Replied on 10-09-2009, 08:48 PM

I am an assistant BRANCH MANAGER and a debt specialist here you look up credit myths at MSN MONEY or go to bankrate.com and check out what I said. 35% of your credit score is based on DTI debt to income ratio. when you are more than 50% of your available credit your score drops every reporting month! PS I used to be a collection agent and know the other side of the street as well. MY WIFE IS ENROLLED AS A CLIENT OF SAFETRUST. and I recommend this program to friends and family in debt as way to get a new start without bankruptcy. this board does not allow links so I repeat check out msn money or bankrate and see for yourself.

Someone Else · Sub: #**188** Replied on 10-10-2009, 06:18 AM

Hi Duh,

30-35% of the score is calculated on utilization, how much of your credit lines you have accessed and are paying on. Part of the factoring is relevant to DTI, as you suggest.

Another 30-35 percent is calculated on payment history and depth of credit. Your suggestion of someone who pays on time, all the time, could still have a 450 FICO is a mathematical impossibility.

As a manager and debt specialist, I would think you would know that.

DUH · Sub: #**189** Replied on 10-10-2009, 09:45 AM

ok you have now accounted for a maximum of 70% of the credit score if the other 7 factors are against you it is indeed possible to have a 450 fico I have seen it many times. go to credit.com and investigate this yourself there are many factors that play into your credit score and paying on time is at maximum 1/3 of how your score is calculated. so 2/3 of your score is based on factors other than on time payments if those factors are all negative your score can be incredibly low.

Someone else · Sub: #**190** Replied on 10-10-2009, 06:10 PM

Duh,

Argue with yourself all you want.

If you want to get your point across as pertains to this issue why not just tune up your sales pitch with something like:

"With your credit utilization being too high as a result of your credit limits being tapped or close to it, no one is going to lend to you right now anyway".

It would be more factually accurate.

Mileage may vary

DUH! · Sub: #**191** Replied on 10-10-2009, 07:20 PM

you have now accounted for only 70% of the score if the other factors are also negative such as address changes and employment history are also negative a 450 is easily possible whether you have a perfect payment history or not. Many clients I have enrolled had no delinquencies and credit scores between 430 & 550. We would never enroll someone with a high credit score as this is not the program for them a cccs program would benefit them more. and if the debt amounts are very high IE. over 150k bankruptcy might be a better option for the legal protections it provides. I always analyze my clients total situation before I enroll them to make sure settlement is a good option for them.

Vladimir Chernyakhovskiy · Sub: #**192** Replied on 10-13-2009, 07:09 AM

Lifeguard Financial sign me up for the so called “program” to negotiate my credit card dept at 55% with my lenders. Instead they took $ 13,755.40 doing nothing. I had myself negotiate credit card dept to avoid litigations. Because of the actions of Lifeguard Financial and the intermediate escrow liaison NoteWorl d LLC. I have to stop my mortgage payments and leave my home foreclosed. When I request to close the account they refused to return me my money.

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