Life guard financial is a very reputable company, the way a debt settlement company should work is by accumulating funds into an escrow or trust account (i.e noteworld). once enough funds are accumulated, they can settle the accounts, this is a very legit process and not a scam, but beware of the company you deal with. Make sure they are part of the USOBA(united states organization of bankruptcy alternatives) and the IAPDA (international association of professional debt arbitrators) and also make sure they are reputable with the BBB (better business bureau), lifeguard financial looks like they have all these credentials. Please make sure you ask everything about how the process works before signing up with a settlement company.

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Lifeguard Financial out of Florida is about to get linked with Dyer Beech and its owner Eric Rice. This guy is a piece of work. From selling neg am loans, to stiffing hundreds of families of their savings by promising them a loan modification, and now lying to the same people with debt settlement scams from California. This guy should never be allowed to do business anywhere. Their reputation is about to dwindle!

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Funny your website bashes your competition this way. Lifeguard Financial has an A- rating with the better business bureau just like you and they are the nicest company in the financial industry I have ever dealt with. I dont think it is fair that you have what you say on your google search.

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What does fairness have to do with it? It is what it is and it's great that this thread is one of the top results on Google. It means we are doing our job. Most of the posts in this thread are pure BS posts by unregistered "Guests" who are probably Lifeguard employees. To anyone seeking debt settlement, regardless of who they choose, Caveat Emptor!

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its great to see that when searching for a settlement company this site is usually on the first page so i think that is something to be proud of. It shows that this community is doing what its suppost to do by helping others and getting the word out good or bad on a company they are considering. Im proud to be a member of a site that is such a asset to others.

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my blog about saving money during a recession, And my personal story about Provanta's debt settlement program and how it worked for my family

There a solid company. i just went through it. it all depends who you get on the phone. just like any company. some people are there for a check and some are there to actualy help some one.

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hello all, im so happy that life guard financial helped me. basically i enrolled in the "program" and they guranteed that my debt will be paid off in 12 months, being that it has been over 12 months that i enrolled i went to a credit bureau website to check my credit report and my credit score not only went up but my balances show 0. who ever says they are a scam are just stupid. go look at the bbb website, they are members of the us organization of bankruptcy alternatives. GREAT COMPANY !! a++++

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Dear Big E,
How is everything going now with Lifeguard Financial? I ask because I signed up last month and they just withdrew my first payment. I want to believe they are a reputable company but 1. the fees weren't dicslosed, 2. there was no mention that a complaint could be filed against me and when I contacted customer service they rambled on and I was told that if something like that occurs their legal deparmtent woudl handle it. Howver, the contract does not state that it generally states taht it claims are filed by a creditor the "contract" does not assist. I am really seriously thinking of cancelling my contract.

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Is there anyone who has had a good experience (done with program) with Lifeguard Financial??

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is this company legit, they called me they are based out of ft. lauderdale fla. I'm dealing with a guy from new york, I need to work with some co. but don't want to get ripped off

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i work for lifeguard. i've met the president anthony passero. he seemed genuine when he came in and spoke to us about whats going on out there. debt settlement is just an option. not always the best. i see a lot of people here either bashing them or praising them, the bottom line is that if you want to reduce your debt, they can do it and they wont scam you. obviously you'll ALWAYS have unprofessional telemarketers...these are the people that give salepeople a bad name. but keep in mind, their are good guys too. im sure whoever you are, you're selling something, even if its secretarial services. my anonomous opinion on this company is that they're a decent bunch of guys and gals.

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I personally know someone that joined with Lifeguard Financial and they have helped her tremendously. It is a shame that people do not do their homework and bash companies. In a tough economy like today, they are godsent.

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Do more research. Anthony Passero served in prison for years.

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These are just some scams to beware of. Seriously run the other way, hang up the phone. Anything that Eric Rice is involved in, is nothing but a Joke, but he will take your money fast. He is Evil and belongs in prison. He just closed Dyer Beech, and He has began other business ventures including Lifegaurd Financial. Please BEWARE!

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To be involved with Anthony Passero, Eric must be a scammer aswell. Check these guys out. Passero has been in prison before for 1. In addition his company allows you to make your first payment on a credit card that you will enroll into their program. What a scam. Do you think that creditor will settle when that last charge on that card was charged by the same company tring to negotiate on behalf of the client? Absolutely not.

In addition he had to lie to the BBB in order to get a good rating. The BBB gives debt settlement companies a D or F rating out the gate.

In addition he must have lied to his payment processor. Debt management, debt consolidation, debt settlement, and debt negotiation companies are not allowed to accept credit cards.

Fools, why don't you go dig up some dirt and make a living not ripping people off.

And stop calling people with that "in conjunction with experian crap". You buy leads from them... Thats it. They do not endorse or allow you to use thier name.

If you are looking for an ethical debt settlement program keep looking and you will find one. But pleeeeeeeeeeaaaaaaaaassssssssssseeeeeeeeeeeee do not support these scammers.

Use a company that uses a money back guarantee that includes setup fee;s and/or retainer fee;s in the guarantee.

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I enrolled with LIfeguard 3 months ago and have already paid off 2 of my credit cards, not to mention the stopping of harrasing phone calls....so far they are great....but who knows what could happen

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