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Posted: Fri Feb 01, 2008 6:05 pm Subject:

Good for you Smile

You need to do what is best for you and your family. especially when health issues are involved. Hope all goes well and that the stress level will finally go down for you. Good Luck !!

really mad · Posted: Fri Feb 22, 2008 12:22 pm Subject: Followup

I just wanted to let everyone know that things are starting to line out. I had a long talk with my husband and he was mad for a little while but has reconciled to the whole thing now and understands why I handled it the way I did. Our Chapter 13 bankruptcy was filed 2/19 and we go for the trustee meeting on 4/1 (hope that is not a bad thing being April Fools Day and all!). Our payments will be around the same amount I was saving each month in the settlement account and we will be paying the creditors about 40% of the balances. I now have legal protection from the creditors so I am basically happy with the outcome. Our credit is messed up but it was already with the late payments and then the non-payments while playing the settlement game. Dave Ramsey said one time he had no idea what his credit score number was nor did he care as he did not have or want credit - he chose to pay cash as he went. I think that is the only smart way to go - keeps you out of trouble that way.
I will also add that if I had it all to do all over again, I would skip the settlement step (and the thrill of being ripped off by 3 settlement companies!) and go straight for bankruptcy. It ends up with the same result and protection from being sued that settlement does not offer.

Guest · Posted: Fri Feb 22, 2008 12:27 pm Subject:

Good for you, I'm glad things worked out.

Posted: Fri Feb 22, 2008 5:00 pm Subject:

I am glad to hear that you talked to him and now have a plan. Now you do not have to keep it to yourself. Things will get better from here on out, but just remember what got you in the situation you are in, in the first place, so you don't make the same mistakes again. Thank you for keeping us updated Smile

Posted: Sat Feb 23, 2008 3:34 am Subject: credit

What a story!! I'm SOO glad things are working out, for you, too!! Sounds like you really had it rough, for a while. And, from personal experience, when you're going 'through this alone, the entire world is on your shoulders.' Gosh....I'm glad you are seeing SOME relief now. What a horrible experience. I don't care what the issue/situation is, nobodys financial issues should be 'put out to the public' without the persons consent. That was extrememly unprofessional.

Posted: Sun Feb 24, 2008 5:20 am Subject:

I am happy that you have found some relief too. And it is nice to hear that even though your husband was not aware of things, you two were able to work through it. Too often people split up over money issues. Congrats!!!!

OOPS - Thought I was signed in.

Posted: Sun Feb 24, 2008 8:02 am Subject: CA

I am curious, however. When someone's personl information is given, on this forum, WITHOUT permission of the individual, can something be done? The CA had NO right to do that. What if he got mad at someone else?...would the 'client', he was mad at, be 'subject' to the same 'treatment'? Gosh..I hope not.

really mad · Posted: Mon Feb 25, 2008 6:57 am Subject:

sdchargers - the person who slammed me on this post was sifxpert a settlement company person - not a CA, which in my opinion is as bad if not worse. He shows no perfessionalism in my opinion and yes, it would be interesting to know if he can be in trouble for his actions.

Posted: Mon Feb 25, 2008 8:15 am Subject: debt

Wow!! 'ReallyMad'......I wonder if there IS something you can do, for the compny to 'slam' YOU? Just horrible, I say. This issue was just that...YOUR issue, not everyone else's..ya know?

Posted: Mon Feb 25, 2008 8:38 pm Subject:

All I can do at this point is just let everyone else know how he operates so they will not be blind sided like I was.

aka "Really Mad"

John C Esq. · Posted: Mon Feb 25, 2008 8:40 pm Subject:

My opinion, is that you were looking to hurt sifxpert who couldnt fix what was already broken and you knew or should have known that you were doomed. Regardless of who lied, from an outsiders perspective, neither party handled themselves well. I personally handle debts and look to sif for guidance posted on his site. If anyone thinks he is a thief, go read his site. I guarantee you will be convinced otherwise.

You were not ripped off. You were given the truth and you took a gamble. Unfortunately, the house wins as usual. I've read several times on several forums how you say "sifxpert lied to me and ripped me off". I have to say that you are wrong. The definition of insanity is doing the same thing over and over and expecting different results. I do not think you are insane but perhaps a little too optimistic and regardless of who lied sifxpert or the collection agency who sued, you said it in your own words, you were probably the most challenging client for sifxpert given the preexisting condition of your accounts having been with 2 other companies prior to enrolling with sifxpert.

I do however disagree with disclosing personal information on a public forum but I am sorry to say it and I am surprised no one else has mentioned this but obviously, you did not confront sifxpert prior to posting how he ripped you off and lied to you. Nothing he posted was questionable. Your post here, and on other forums I have read, are full of accusations with malicious intent. Again, I am sorry for your health issues and I wish this never happened but I think alot of mud slinging could have been avoided if you confronted sifxpert before posting such harsh and questionable allegations on his integrity.

Before making an opinion based on what you have read here, read his forum and then form an opinion. You would be doing yourself a disservice by going on what you have read here.

There is not one negative comment about sifxpert anywhere but here. If you google his handle, you will find nothing but praise about him. I read on another forum credit info center where you smeared his name also. Its not his fault you were sued. You admitted going to him with serious issues. So how did you get ripped off and how do you know for sure he lied to you? I'm sorry but if I just lost a family member and read what you have posted on not just this forum but numerous others when you have no proof, I dont think I would have been so kind either. By googling sifxpert, you will find posts dated back to 2004 from sifxpert with advice you will not find anywhere else. He is given praise by several attorneys who went as far as saying the information he provides on forums is far more detailed and far more valuable than anything you would ever pay for from a naca law firm and I agree.

The bottom line is that you blind sided him and looked to discredit him. After consulting sif for several years I can not allow anyone to pass such accusations when I know that it is not the truth.
How he gets his information is beyond me but wherever he gets it is direct from the source and alot of people would pay alot of money for it too yet it is made available for anyone who is in need of managing their finances on their own.

I am an attorney in Southern Cal. I know of Sif but have never met him but in return for all he has done for my firm I owe this post to him. I know there are many others out there who would do the same.

If anything, this thread should be deleted. Its nothing more than people venting and saying things they should not have in the heat of the moment. The OP needs to get over it and move on and stop blaming others and take responsibility which I have not read once.

Let this be the end of it before things get blown out of proportion and this forum loses a valuable asset if it has not already.

really mad · Posted: Tue Feb 26, 2008 7:43 am Subject: response

I wish to make one more post and then I will comment on this any more.
Mr. Esq - while we are both entitled to our personal opinions - you must agree it all depends on what your experience has been. Ours have surely been on opposite ends of the pole.
My intent was not to personally hurt sifxpert as much as I wanted the fine people of this forum to be accutely aware of the fact that settlement companies do not work for everyone and I had a total of 3 let me down. I should have never placed my hope in them as it appears that the only way they can be effective is if you have tons of disposable cash and are on the front end of your default game. Mine was too far gone and I should have filed for bankruptcy long before I did ( hindsight is wonderful, isn't it?!)
As to your comments on my lack of action - I did try to contact/confront sifxpert several times by email and voicemail and he chose to not reply to me. So the attempt was made on my part.
Of course there are no negative comments on his forum - it is his personal forum! I posted an inquiry there one time to see if anyone had spoken with him in the last few days and he deleted the post and PM'd me to state that inquirys like that hurt his integrity - so he does have total control of the board and what you can and can not read.
He stated in his post here on this subject that he had obtained a refund for me from Precept - that was the first I had known of that happening. I never received a cent from them so where is that money??
I appreciate your feedback and your standing up for your friend. At one time, I thought he was my friend too.

Guest · Posted: Tue Feb 26, 2008 2:59 pm Subject:

I'm really tired of the alias's that sixfpert uses to represent himself and using an alias as an attorney is even more unprofessional and cheap; like people aren't smart enough to figure this out.

Posted: Tue Feb 26, 2008 4:43 pm Subject:

I have read SEVERAL negative things, about Sifxpert. However.....I din't think it was appropriate to post them. APPARENTLY.....I should have. "Nothing but praises?" WRONG ANSWER!! Of course a so-called 'law office' will stand up for another....if they 'belive' in the same thing. I hope this meaning is COMPLETELY understood by this so-called 'ESQ'.

Guest · Posted: Tue Feb 26, 2008 5:18 pm Subject:

I've read several negatives as well about clients not being able to reach him and him not returning calls or emails and each time he is having a crisis in his personal life.

Posted: Thu Apr 03, 2008 7:20 am Subject:

Well I am not anonymous nor am I Sifxpert and I will go on record to say that he has handled our accounts with professionalism and RESULTS. He has contacted us when he had something to contact us about and we have been patient enough to let him do his job. This doesn't happen overnight--settlement that is. He don't have time to take emails and phone calls every other day from every client.

He told us up front that we, because of our debt load, would probably get sued. He worked our accounts and found ways around that. He has saved us from bankruptcy, I am sure.

We did what he told us to do--we forwarded all mail from creditors to him and refused to take their calls. We let HIM handle it.

He has been honest from the beginning and has saved us untold grief and stress.

Anyone who has this kind of debt and/or is thinking about settling that hasn't told their spouse FOR WHATEVER REASON has more issues than debt.

I think if everyone was honest here, we would all find out that this client brought an absolute mess to James and expected him to wave a magic wand and fix it all.

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