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clairefolini122 · 12-28-2008, 04:31 PM

I did debt consolidation with them and was told not to speak to creditors during the process. I recently signed limited power of attorney to my creditors so they may contact them. I think I may have made a mistake. Their name came up on ripoffreport.com when I checked. I am wondering if I need to stop automatic deductions and start all over with someone else, or if I can even get any money back at this point?

12-28-2008, 06:13 PM

Hi there!

Try doing a search for that name on this site...I can guarentee you'll find something. I hope you find the info you're looking for!

12-29-2008, 08:46 AM

If the agent told you not to speak with your creditors, his manager should be contacted.

01-07-2009, 07:48 PM

I heard that the company has many complaints with the BBB and they changed their name from Clear Your Debt I think this company is taking advantage of their customers because it's something you can do yourself not pay, not answer, and wait till the creditor brings down the balance duhhh.....

01-26-2009, 12:34 PM

Nah, these guys are all good. I am not done with the program yet, but have finished almost half of it! I think they are very nice, and Igot ROYALLY screwed by another debt company before (Credit Solutions). But, you gotta make a committment to get the debt behind ya!

01-29-2009, 08:11 PM

I WAS DECEIVED BY SWIFT ROCK FINANCIAL. AFTER ACCEPTING MY APPLICATION 3 MONTHS LATER THEY CANCELED MY ACCOUNT. NO ONE CALLED I WAS DISMISSED BY E-MAIL WITH NO REASON. THEY WERE NOT VERY PROFESSIONAL.

02-20-2009, 09:57 AM

Can I cancel with swiftrock. My debt has elevated from 25,000 to 30,000 due to late fees and interest being raised. Swiftrock does not answer my calls or e-mails. Their client service just let you leave a message. I have been in the program since October. They only deducted 2 payments because I wanted to have the payments adjusted. I talked with accounting and he told me I could always pay more but the process to adjust would be difficult. I said okay. They were to take out payments in January when I talked to them in December. Bill collectors are calling me still and threating to take me to court. I don't have the patience for this. My credit is already destroyed, so I am going to file bankruptcy.

05-02-2009, 09:55 AM

This company is horrible. Informs clients of rainbows and puppy dogs when its really a huge haunted house. They only tell you what you want to hear. Hope its not too late...you should get out while you still can.

05-06-2009, 09:49 AM

i have been with them for one year. they are paying off four creditors ( hope). things are not as i had hoped. one of the creditors have sued, my husbands check for his pt time job as we speak-----now another one has sued me do in court this mth. i speak to them about this ALL THE TIME. not as easy as i thought. they get mthly payments for 36 mths. I HOPE THAT WILL END THEN.

05-13-2009, 05:10 PM

How do I know if I can trust them??? IDK how they got my cell phone number in the first place, but they call and call anddo not give up once you have spoken with them. I was willing to give them a try until I saw this forum. I cannot afford to go deeper into debt because of them. A Bankruptcy firm already told me to stop making payments, and when I went to see if I would qualify under the new laws they say I don't... now it has put me 3 mos behind in payments and cranked up my interest rates to nearly 30% each. One thing that Swiftrock tries to tell you is how much your total debt will cost you at that 30% APR... Do Not believe that... as long as you remain current in your payments for 1 year your creditors will reduce your rates for you again... So Swiftrock is telling me it will take 85 years to pay off my debt at the 30% APR, WHICH IS INACCURATE information because it will not be that high a year from now... do what YOUR GUT tells you to do is my advise. There is only two ways out of debt... Pay it off OR Dont use Credit!

05-13-2009, 05:39 PM

Their rating on the BBB was an "F". That is the worst tag you can get with the BBB. Run!!!! Do be careful if you persue any business with the company! They have had 24 complaints to the BBB on Swiftrock in the past 36 months alone.

05-28-2009, 05:09 PM

I had a horrible experience with this so called "Christian company". They called all the time to get me into the program, lied about what would happen, told me my chances of getting sued were slim to none, and now I cant get in touch with client services to cancel or ask about my account. They were still taking payments out of my account but their not doing anything for me. I had to go to my bank and cancel and now I'm dealing with over $7000 in late fees. What a mess!

06-03-2009, 11:18 AM

The truth of the matter for all of you is that these company's CAN and DO work. I'm a former employee and client. Yes, it takes an ENORMOUS amount of patience. And yes, you will get calls and some late fees tacked on, BUT, if you save your money as fast as you possibly can, the creditors will settle for less. If you have any questions, feel free to contact me at

06-03-2009, 05:37 PM

i have been working with swiftrock for just a year now, and yea, it hasn't been easy, i have just learned to screen all of my calls, yea i even got calls from collectors even at work, three times in one day, and it is that collector that im not settling for what they want and refuse to pay the interest amount and told that to the swiftrock employee too. they can't release any of your money unless you approve, the first quarter (as they have them divided into) the money goes to all of the fees, ie getting the POA papers and all of your credit infrormation, yea it was a bit difficult at times to get responses from people but, being persistent pays, just send e-mail to clientservices or the trusty fax. i too had my fears but am now glad i have stuck it out and soon my credit score will be much better.

06-16-2009, 05:59 PM

I worked there for a while and I have no idea if the program works or not but I do know that the entire employment process is a scam,,, If anyone is thinking about applying there... run...

06-25-2009, 12:41 PM

I've been dealing with them since December. I've had a positive experience. I had trouble getting through to one woman who gave me her direct number but I just called Client Services and they said the woman was out all week.
They've been very professional and I've had good customer service. A law firm who says it is working for one of my creditors is harassing me. Anyone dealt with Mann-Bracken?