I went for an interview and then was hired to work at lifeguard financial in Manhattan, NY. So this guy in charge Alex Vilk in Manhattan starts to give a meeting to a boardroom of 20 guys, "OUR LEADS ARE THE BEST IN THE INDUSTRY, WE GET THEM DIRECTLY FROM THE CREDIT BUREAUS WITH THE LAST 4 DIGITS OF THE CLIENTS SOCIAL SECURITY NUMBER ... blah blah blah .. and he acts like he's impressing me. I'm new to this, so I listen on.

He then stares down at us and says, "you say, LOOK John Parker, SO I CAN CONFIRM WHO I'M SPEAKING TO, CAN YOU CONFIRM THE FIRST 5 DIGITS OF YOUR SOCIAL SECURITY NUMBER THAT END IN ... and of course the lead says the last for digits, so the client thinks it's legit and gives him the first 5 digits completing their social security number.

So the scam is to lie to the client about having their entire social security number with these credit bureau leads and trick them from the get go.

Alex Vilk is one of the cockiest guys I've met, a man who can find the gumption to think that I'm going to out right lie for him and his company.

Alex Vilk is bound to be gaining the interest of the FEDS and it's too bad that in this day in age, there are still people out there like this guy; preying on the weak.

Anyway, I didn't come back the next day and anyone accepting a call from these people, hearing the same lies should contact their Attorney General. I saw this guy Alex Vilk with my own eyes, he's the geek on their website too. LOL

I went for an interview and then was hired to work at lifeguard financial in Manhattan, NY. So this guy in charge Alex Vilk in Manhattan starts to give a meeting to a boardroom of 20 guys, "OUR LEADS ARE THE BEST IN THE INDUSTRY, WE GET THEM DIRECTLY FROM THE CREDIT BUREAUS WITH THE LAST 4 DIGITS OF THE CLIENTS SOCIAL SECURITY NUMBER ... blah blah blah .. and he acts like he's impressing me. I'm new to this, so I listen on.

He then stares down at us and says, "you say, LOOK John Parker, SO I CAN CONFIRM WHO I'M SPEAKING TO, CAN YOU CONFIRM THE FIRST 5 DIGITS OF YOUR SOCIAL SECURITY NUMBER THAT END IN ... and of course the lead says the last for digits, so the client thinks it's legit and gives him the first 5 digits completing their social security number.

So the scam is to lie to the client about having their entire social security number with these credit bureau leads and trick them from the get go.

Alex Vilk is one of the cockiest guys I've met, a man who can find the gumption to think that I'm going to out right lie for him and his company.

Alex Vilk is bound to be gaining the interest of the FEDS and it's too bad that in this day in age, there are still people out there like this guy; preying on the weak.

Anyway, I didn't come back the next day and anyone accepting a call from these people, hearing the same lies should contact their Attorney General. I saw this guy Alex Vilk with my own eyes, he's the geek on their website too. LOL

I worked in the Fort Washington,Pa branch. What a joke. Alex would come in and tell us that we could make $200k+ a year if we just followed his script. He wanted us to tell these people that we received their file from their creditors. And they would be sued and their wages garnished if they did not enter the program.

The owner Kevin would then call the people that were smart enough to say no and tell them that he was calling from the law office and he works with the attorneys.

Do not deal with these people. Scum...

Looks like LifeGuard Financial has a lawsuit on their hands.....

checkthisoutontheweb@dockets.justia.com/docket/court-cacdce/case_no-8:2009cv00757/case_id-448233/

Seems like this goes hand and hand with your story about the way they get full social security numbers. Beware people. Seems real sketchy to me. Great decision not going back in there after hearing that from Alex Vilk!!!!
Alex Vilk, this guy Anthony Passero and anyone else practicing business like these sharks will end up going down hopefully sooner than later.

It is truly unfortunate for us people that really need help during these difficult times. How the employees sleep at night knowing they lie to innocent people for a paycheck is beyond me. Karma always wins!

sorry it would not allow me to post the link.
here is what i did...
go to google and type in: lifeguard financial litigation

Look for the article named:
Daniel H Baren v. Lifeguard Financial LLC et al - 8:2009cv00757 ...

click there and you can see

ok so you checked google and found a lawsuit against lifeguard financial I foun 477 lawsuits against macy's are they a scam too? and also the firm suing lifeguard is being sued as well for violations of the fair debt collection practices act because the LAWFIRM suing lifeguard is a COLLECTION AGENCY lol get your facts straight and also Lifeguard financial does business ONLY as lifeguard financial practical debt solutions is a completely different company!!! or is sears macy's too??? look if you do not want legitimate help don't take it but we are here to help those who want it and as for social security numbers exactly what are we going to gain with the social security number of someone with $40,000 in debt and a 500 credit score??? yeah there is an identity worth stealing ROFLMAO get real people. this whole discussion is a bunch of BS.

Explain 41 complaints on the BBB in 1 1/2 years of business looks like the BBB caught on and took your rating.


seflorida.bbb.org/BusinessReport.aspx?CompanyID=16000703

ok let me see there are 41 complaints. in 12 cases a full refund was made in 1 case a partial refund because 1 of their creditors was already settled. and the rest it was found that we were performing in accordance with the contract. we have never refused a refund, never had an unassigned or answered complaint. If that equals a problem you need to go back to school. The number 1 reason for complaints is a misunderstanding of what debt settlement is. You save money in YOUR trust account in YOUR name. when you have enough to offer a settlement we negotiate with your creditors and send them the settled amount! whoa that is it .... yes that is it. we do not send monthly payments to your creditors we do not have access to YOUR account without just cause for expenditure. IT IS CLEAR IN EVERY CONTRACT WE SEND OUT. I am so sorry to disappoint the naysayers but if you are searching for a scam you are out of luck!!!

This is ridiculous, we have "ex-employess" posting on here claiming all sorts of scandals, as for the person Alex Vilk, I have warned in my previous posts about questionable tactics used by the NY office to get people to stay on the phone. Any seeming malpractice is simply an effort by employees of the NY branch to get as many deals as possible because, as i have said, NY offers substantial bonuses for high sales in a month. As for the BBB complaints and the "lawsuit", do some more research before you post.

this posting is all a bunch of crap about fort washington, there is no Alex Vilk and no owner named Kevin, Who, Why whatever, you have no idea what you are talking about. Lifeguard Financial is a very reputable co and has help thousands of people nation wide. The program works welll for those who need the help. LGF runs a very compliant business and is the ONLY legit settlement co out there.

Florida Profit Corporation
PRACTICAL DEBT SOLUTIONS, INC.
Filing Information
Document Number P07000119434
FEI/EIN Number 261365905
Date Filed 10/31/2007
State FL
Status ACTIVE
Effective Date 10/31/2007

Principal Address
200 SOUTH ANDREWS AVENUE
603
FORT LAUDERDALE FL 33301 US
Changed 01/08/2009
Mailing Address
200 SOUTH ANDREWS AVENUE
603
FORT LAUDERDALE FL 33301 US
Changed 01/08/2009
Registered Agent Name & Address
LOCONTO, R. BRYAN
200 SOUTH ANDREWS AVENUE
603
FORT LAUDERDALE FL 33301 US
Address Changed: 01/08/2009
Officer/Director Detail
Name & Address
Title P
LOCONTO, R. BRYAN
4 WEST LAS OLAS BLVD. SUITE 801
FORT LAUDERDALE FL 33301 US
Title DIR
GORDON, PAMELA
4 WEST LAS OLAS BLVD. SUITE 801
FORT LAUDERDALE FL 33301 US
Title DIR
PASSERO, ANTHONY
4 WEST LAS OLAS BLVD. SUITE 801
FORT LAUDERDALE FL 33301 US
Title DIR
ULLOA, RAFAEL
4 WEST LAS OLAS BLVD. SUITE 801
FORT LAUDERDALE FL 33301 US
Annual Reports
Report Year Filed Date
2008 04/16/2008
2009 01/08/2009

guess you all feel pretty stupid right now, it's amazing how people can fall for this guys bs, you all get what you deserve.

I worked in the NY lifeguard office for 2 years now. there has never been a Alix Vilk...Who is that? The manager there is Pete Redmond. Its clear that this Alix guy is someone who is being hated on. Sad.

How did you work there 2 years when their corporate office has only been around since April 08. You're a liar like the guy who kept calling me!!


Florida Limited Liability Company
LIFEGUARD FINANCIAL, LLC
Filing Information
Document Number L09000008283
FEI/EIN Number NONE
Date Filed 01/26/2009
State FL
Status ACTIVE
Effective Date 04/21/2008
Last Event LC AMENDMENT
Event Date Filed 03/11/2009
Event Effective Date NONE

Principal Address
4 WEST LAS OLAS BLVD., 4TH FLOOR
FT LAUDERDALE FL 33301
Mailing Address
4 WEST LAS OLAS BLVD., 4TH FLOOR
FT LAUDERDALE FL 33301
Registered Agent Name & Address
PASSERO, RICHARD A
4 WEST LAS OLAS BLVD., 4TH FLOOR
FT LAUDERDALE FL 33301
Manager/Member Detail
Name & Address
Title MGR
PASSERO, RICHARD A
4 WEST LAS OLAS BLVD., 4TH FLOOR
FT LAUDERDALE FL 33301

Does anyone that dealt with this company have any positive feedback? My roommate has been with this company for about 7 months, they phone calls are still coming in daily from the creditors, and now summons for court dates. So far, I can't see where they have done anything but take money from her account!!!

The information is from credit reporting bureaus not creditors. The information is shared in attempt to actually help individual consumers (to maintain credit scores and available credit) and creditors who can potentially lose all chances of payment due to bankruptcies of debtors. Unfortunately not every sales person is the same in terms of intellect or honesty. In fact the callers can not see a single account on their monitors only a total debt amount, FICA score and sometimes the last four of your SS#.