Hey guys, we could go round and round all day long. So, I leave consumers with this:

Debt settlement works. It’s relevant in today’s economy. It’s highly recommended as an attempt to work out your financial situation prior to resorting to bankruptcy. You can achieve successful settlements on your own. However, should you still be interested in handing your situation over to a debt settlement agency to manage, ask them the following questions:

• How much will this cost me?
  What can your company do that I can’t do? What is it that I’m paying so much money for?
  Can I do this on my own?
  Can you guarantee that your results will be better than a settlement I can attempt on my own?
  Do you offer a service guarantee? What would cause that guarantee to be voided?
  How long will it take to resolve my debts?
  What will happen to my debts while they are awaiting negotiation?
  Can I be sued by my creditor? What would cause that to happen? Will you help represent me if that does happen?
  Will you assure me that my creditors will stop contacting me?
  How is my money saved? Can I save it on my own and just pay you the fees separately? If I have to open a separate account at your designated bank, what control do I have over the account? What is the process for withdrawing funds?

And a good question to always ask any company you’re dealing with:

• How does your company manage my confidential information? Who has access to my file? Where is it kept?

I am certain that you will learn that there is nothing more they do that you can’t do. If something sounds too good to be true, ask for it in writing. Salespeople will say and do whatever they have to just to close a deal. But, when you request it in writing, the answers may become a bit different.

Debtors wishing for more info may contact me directly.

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In response to both of Mariedanielnetworks previous posts:

1) Yes, Lifeguard is an attorney based settlement agency. If a consumer gets sued (we have stated that we try our level best to prevent that) we continue to advocate on their behalf, offer legal advice, etc. We do not leave our customers hanging. If a customer of lifeguard has been sued you need to contact our home office IMMEDIATELY. You are required through the contract you signed to inform us of any legal action taken against you, or any collection agencies that harass you. This is all laid out in the contract.

2) Excellent second post, one should ALWAYS ask these questions!! As I have stated, if you get burned by a settlement company and did not ask questions or bother to read the contract, you're the one responsible for your situation.

And I agree this could go in circles indefinitly. I just don't like to see my company bashed on this site as being a scam. I aware of the fact that there are PLENTY of scams out there but I just want to get the message across that Lifeguard is NOT and if any customer of ours feels otherwise, you need to get in touch with customer service IMMEDIATELY. Sitting on a forum and whining about it isn't going to produce any results. The customer service number can be found on our website. I tried to post the website but the forum will not allow me to. Just google it.

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In response to both of Mariedanielnetworks previous posts:

1) Yes, Lifeguard is an attorney based settlement agency. If a consumer gets sued (we have stated that we try our level best to prevent that) we continue to advocate on their behalf, offer legal advice, etc. We do not leave our customers hanging. If a customer of lifeguard has been sued you need to contact our home office IMMEDIATELY. You are required through the contract you signed to inform us of any legal action taken against you, or any collection agencies that harass you. This is all laid out in the contract.

2) Excellent second post, one should ALWAYS ask these questions!! As I have stated, if you get burned by a settlement company and did not ask questions or bother to read the contract, you're the one responsible for your situation.

And I agree this could go in circles indefinitly. I just don't like to see my company bashed on this site as being a scam. I aware of the fact that there are PLENTY of scams out there but I just want to get the message across that Lifeguard is NOT and if any customer of ours feels otherwise, you need to get in touch with customer service IMMEDIATELY. Sitting on a forum and whining about it isn't going to produce any results. The customer service number can be found on our website.

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apologies for posting twice....

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I work at lifeguard financial my email is astrum@lgf101.com We are LEGITIMATE! debt settlement is a process. An experienced settlement company knows when the best time to offer settlement is. Sometimes a collection company will accept a MUCH lower amount than the original creditor. If you have enrolled with us you will see the results but you must be patient and let us do what we know how to do. as for tasc LOL some settlement companies got together and decided to rate themselves. This is the same as putting a 5 year old in charge of the candy and expecting them to punish themselves for eating too much of it. The BBB is independent and their rating is fair. Tasc charges settlement companies to be members. for those in debt ask yourself this question, I have always payed my creditors on time and done the right thing and has gotten me??? creditors do not care about anything but your HIGH interest payments. We at lifeguard want you debt free ASAP and as for the fees think for a moment how much a lawyer charges per hour?? $100 $200 a team of attornies and arbitrators working for you are not cheap but we charge no up front fees WE DO NOT ACCEPT CREDIT CARD PAYMENTS EITHER! no myths no lies choosing Lifeguard Financial will eliminate your debts in the amount of time in your contract but only if you allow it to happen. The key to debt settlement is patience and knowledge and the representatives I work for and with have both.

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I enrolled with an agent named sheryl in phiadelphia, she gave me all the info I needed. I checked them out on the BBB of southeast flordia and they had a good rating. I've been enrolled for 8 months and in 4 more I will be completely debt free. The first two months were rough but after that it's been fine. Her number is xxx-xxx-xxx. I strongly recomend her!

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How many of you people that posted good comments, actually work for this company? Or do you get some type of compensation from lgf?

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I have done extensive research on the debt settlement industry and found that Lifeguard financial has by far the best and most trustworthy program available. This is a five (5) star company and I highly recommend them as the most efficiant way to become debt free. God bless them

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i find it hard to believe that this company can do what they say. has anyone got what they were told and by this company as have there debt settled at .55 cent on the dollar with no interest? if so how can they do this and why would the creditors accept this?

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jbones let me ask you if your choices as a creditor are .55 on the dollar or 0 due to bankruptcy which would you choose.

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I read a post within this topic/discussion board stating that Lifeguard Financial was associated with a company named Practical Debt Solutions. After a doing some research, I have discovered that they are NOT at ALL associated. Practical Debt Solutions is ONLY located in the same area of Fort Lauderdale as Lifeguard Financial, however, they are two completely seperate entities with their own unique business practices (which can be identified through a comparison of their BBB rating and amount of complaints within their BBB account). This message is to simply clear up the incorrect information stated throughout this discussion board. I hope this information helps. =)

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you are a complete idiot. they are the same company

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you are a complete idiot. they are the same company

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you are an idiot. they are the same company

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Not to be rude but, YOU are the idiot. They are not affiliated with each other in any way.

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I'm looking for a part time job and considered Lifeguard Telemarketing. After reading some of the reports you mention and knowing that Fort Lauderdale is home to many boiler room operations, I am hesitant to get involved. Do you know of any legit debt settle operations?
Rock can be reached at er@marinabaycapital.net

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