Remaining issues from Sifxpert

Dear Client of James:
You said James only took $12,243 from your account. You failed to explain if that money ever went to the creditor. Also, as a result of not communicating with you, how many of your accounts went to collections.

Like I said, no that money did not go to the creditor. That's why I'm here to find out. And again like I said if he wanted to take all my $30,000, he could have done it, and run. But he did not.
In some ways, I still hope he has a very good explanation, as SinkingFast was saying about his other clients who did not pay his fees! Or his other clients who gave him bounce checks, and we have to pay the consequences.
Who to believe?

Dear Sinking Fast......... I understood you to say that James told you that he couldn't pay the clients that he stole from because some of his clients stiffed him out of some money for his fees. Sorry but I never got the chance to stiff him out of his fees because he stole all the money out of my account first. So for, I believe this is excuse number 4 or is it #5. Now James says that he can't pay back all the money he stole from their accounts because a few people owe him for some fees.
He's out a few thousand in fees and we are out maybe a few hundred thousand......... doesn't sound right me (hell of an excuse).

Here is James's WRITTEN GUARANTEE:
"We guarantee you will not pay more than 55% of your balances or no fee. Our fees are 50% less than the industry standard.

No set up fees or monthly fees. You should never work with a company that charges a set up fee or a flat rate based on your total debt. You will be sued!

Set up fees prevent you from pre-charge off settlements and will destroy your credit!
If a company charges their fees based on your total debt, you will never get out of debt! What creditor will wait 4 years to be paid?

Contact us to find out why our program has a 100% success rate."

Sounds to me like no one should owe him any fees anyhow, based on his own guarantee. We can only assume that the 55% is an average for each clients accounts. He also in his guarantee, advertises that his company has 100% success rate. He can't settle one of your easy accounts and blow off the rest of your accounts and put your life in shambles and expect a fee for the one account he did settle for you. I can't think of any kind of service related business that could get away with that and since he has a written guarantee, how could he possbly think that we could owe him any kind of fee. If he had a client or two in the past that stiffed him, that doesn't mean he has the right to steal other clients money to make it right. He is a very twisted and sick individual. To do what he has done to people is just about the sickest things I have ever seen.

Dear Client of James:
Maybe he just never got around to steal the rest of your $30,000. Let me see now, "James was such a nice man, he stole $12,243 but could have stolen $17,757 more, if he wanted to, I sure hope he comes back on line so he can fix all the other accounts for me that he screwed up so bad." He sure hope he comes back to you too, then he can take your remaining $17,757 and give it back to me and a few other clients that actually know he is a thief. Dahhhhhhhhhhh, wake up and smell the roses

i'm the another client of james.
he told me that he settled one account and i need to make initial payment for the settlement.
i asked him to send the writen settlement docs but he just took the money from my bank without sending the docs and notice.
i called him, emailed him but no answer for one week until now.
i just want to stay out of him and want to have money back.
how can i terminate this contract and power of attorney?
actually, with all the mess he brought, he is terminating the contract not me, i just want to inform him and want to leave.
please find me the way out of it.

I have search this site for answers to do settlement since last year and finally decided to use James b/c of the recommendation tt i found here. I was financially broke and saved some money for the retainer fee and never hear from him again after i paid it months ago. Very dissapointed and confused. Now my CC a/c have been sent to the CA and not sure what to do. He never reponse to my calls or emails.

What should we all do w/ the settlements ?? do we have to do it by ourselves? it is hard to trust someone else. Are we still in legally in contract w/ James since he is dishonest??Any ideas?? what are the next steps are bf we get sue by CR companies?? Thanks !

SinkingFast- did you get any money back from James? Or you proceeded with your complaints??

Nope, no refund.

Sinking Fast - you said you were going to your local PD yesterday. How did that turn out? James promised you for a refund yesterday?

i will send the contract termination letter and revoke power of attorney notice to sifxpert. i think this is the first thing to do to get away from him. i don't want him to touch any money from my bank and any of my prsonal information.
i 'm planing to contact the creditors to explain all the mess and then trying to have deal with them as best as i can.
also i will send this revoke noice to creditors to prevent from him to use my personal information.
is this right? if i'm wrong please let help me to find the way.

Most of my accounts already went to collection...one just a few days before I called. The CC companies would not bring my accounts back to them and said I had to work with the CAs. I read this board and then sent DV and limited CD letters to the CAs by CMRRR and within a day all the collection calls have stopped. I requested to only be contacted by mail.

I did settle Citi for 38% and Chase for 55% before they charged off. Citi accepted 12 months worth of payments and Chase wanted their money in 4 payments. Those two wiped me clean so I won't have any additional money for settlements until after the first of the year. Hopefully the CAs will give me some time to get funds together and then will agree to settle. Working with the CC companies was easy, but I think the CAs will be much more difficult. I'm hoping that I might be able to get some of the accounts back to the CC companies when I have the money to settle. I hate the thought of sending money to CAs.

Good luck to everyone!

Am i to understand that Sifxpert breached client confidentiality and gave names of clients to other clients because they "owe" him payment for services?

You asked if James broke a condfidentiality law... I believe that is what the poster told us but what other laws hasn't he broken. He is a thief and a crook, no mention of any being a pervert yet but you might as well ad a few more laws broken to his resume. I really don't see any relavance and besides, all James did, was piss off the other client anyhow with his stupid excuses. His numberous stories are getting old.
Like I said before, I just want him to answer why he used his name as the payee for checks he took out of my account, for which he endorsed and put in his account, when the checks were suppose to have gone directly to the creditor and seperate checks were to go to Debtxpert for fees after the creditor was paid and the proper releases were made. He has had 3 months to answer that one simple question and he hasn't bothered to try to answer that question yet....... I would think he could come up with at least 5 or 6 stories....... woops, he has come up with at least that many but none addressed directly to the nuts and bolts of this question.

James,

Had some problems running American Liberty Financial and this is the company that he was kicked out for shady dealings, you can call there and find out why he was fired. All of you that are thinking he is a nice guy, think again. I dealt with him when I worked fopr a San Diego based debt settlement company and you people are not the only ones he has scammed, trust me! He is too full of himself to care about you people, it is time for you to take legal action against this guy before he find a fancy lawyer and gets away with stealing your money!

WoW, nasty stuff, I hope this guy gets what he desrves!