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sifxpert

Date: Thu, 02/22/2007 - 21:28

Submitted by anonymous
on Thu, 02/22/2007 - 21:28

Posts: 202330 Credits: [Donate]

Total Replies: 47


has anyone heard of using this site for settlement? i've read some really good posts from his clients but this type of service just has such a bad name. i was wondering if anyone is on the program or has heard of anyone on his program? if so is it true that his fees are way less than other companies and is the program good? the forum is debt help center and the owner is sifxpert.

thank you!!


ms.benedict.

I've heard good things about him too. I have not retained his services for debt settlement but his fees are realistic. He was very helpful to me when I ended my relationship with another debt settlement company. He has given me some good advice too, free of charge. I know other forum members who have switched to him. His fees are a lot lower than the company that I used to work with.


lrhall41

Submitted by Cow & Chicken on Fri, 02/23/2007 - 05:00

( Posts: 3571 | Credits: )


COWAMPCHICKEN......is SIFXPERT good to work with? Do they work with any kind of debt? Can you tell me, please, your experiences with them. Thanks.


lrhall41

Submitted by sdchargers_63 on Mon, 03/31/2008 - 21:11

( Posts: 1798 | Credits: )


We are working with him and I highly recommend him. He has saved us THOUSANDS of dollars and probably even a trip or two to court. He even told us up front that with our debt load, we would probably be facing at least one lawsuit. He has worked with our situation and we have avoided that and will be done with the program later this year.

His fees and schedules of that are very reasonable since he understands that you have to have money for settlement up front--not for fees.

I highly recommend him and am glad we have done this program. He has saved us from certain bankruptcy.


lrhall41

Submitted by lisaawilliamson on Thu, 04/03/2008 - 05:42

( Posts: 210 | Credits: )


Be sure and chek out any company you are going with. Just because someone says something good, doesn' mean they are-they could be workers or from the company.

Lisa-I keep reading post after post about this agency and this guy you name all the time, getting a little suspicious as to whether you are working there or what..karen


lrhall41

Submitted by Bossy4455 on Thu, 04/03/2008 - 09:23

( Posts: 5854 | Credits: )


I am with his program for 2 monts now. He settled 70K of my debt so far. I have 70k more to go. It seems like he does not have huge saff of people working to answer my anxious calls every time I need to make. But he is reasonably accessable by email. He delivered what he promised me in 2 months on his program. I am happy with him.


lrhall41

Submitted by scottinred on Mon, 04/07/2008 - 08:09

( Posts: 20 | Credits: )


THANK YOU KASH,IF YOU WOULDN'T HAVE SAID THAT I CERTAINLY WOULD HAVE.WHEW,TALK ABOUT PAYING FOR POSITIVE PUB.IT'S OBVIOUS THOSE TWO ARE THE ONLY ONES HELPED BY LOMBARDO.


lrhall41

Submitted by paulmergel on Mon, 04/07/2008 - 08:22

( Posts: 15514 | Credits: )


If you search scottinred, I posted negative messages for Sifexpert in past. What really turned me around was what he did for my credit card debts. I was hopeless and all those collection calls everyday 7 days a week, really worked on my mind to emotionally even unstable. I am defending him because he really helped me out of this mess. You can read about my posting in success stories. I am real man with serious debt over 5 years from steady declining of financial health. Mere 2 months ago, I thought about lots of unthinkables as solution to my hopeless debt condition to protect my family from collectors. I am looking my future with much more hope and joy because James took care of 1/2 (70K) of my real debt. I still need to go 70K more. Now I think that I can do that with James.


lrhall41

Submitted by scottinred on Mon, 04/07/2008 - 10:33

( Posts: 20 | Credits: )


Why don't you read my thread " James Lombardo Debtxpert, Elite Negotiations Fraud alert". I am not trying to give him free pub. I think he need to have fare share from good and bad both sides. So the reader can make up their mind. I am spending my time to defend him because he gave me new hope from hopelessness. I was at least pretty negative about him if I was not detrimental. I was at the bottom of debt pitt just 10 days ago. He pull me 1/2 way out of the pitt and I can almost feel Spring again.


lrhall41

Submitted by scottinred on Mon, 04/07/2008 - 11:13

( Posts: 20 | Credits: )


you are ok scott,it is lisawilliams i have issue with.she not only feels the need to post her positive experience,but to shoot down anyone who speaks ill of him.i do not appreciate it.


lrhall41

Submitted by paulmergel on Mon, 04/07/2008 - 11:28

( Posts: 15514 | Credits: )


Who have I shot down? I merely clarified my point after the posts I made were taken to task. When my settlement is all finished, I will be posting all my information--cards, amounts, amounts saved and how much my fees turned out to be.

Paulmergel, do you have experience with Sifxpert? I would be interested to know how you know of the company. Have you worked with James Lombardo?


lrhall41

Submitted by lisaawilliamson on Tue, 04/08/2008 - 12:04

( Posts: 210 | Credits: )


No one is posting on my behalf for marketing purposes on this site. The only feedback posted here are by true clients who have seen success. Before judging anyones decision to post comments here first do some reading into the history of who is posting the comments. I have and clearly lisa has been a member of this forum from before she enrolled with my company and is legitimately posting her successful experiences.

There is no advertising but rather one member posting their experiences to help another as was done for her when seeking a reputable company.

The only negative feedback posted here on this forum was from 1 client which a response was posted explaining the true circumstance. Any other feedback here or any other forum has been positive. I suggest you read a bit here and other forums before you begin posting derogatory statements about members or other companies as your tone is without merit.


lrhall41

Submitted by on Wed, 04/09/2008 - 20:05

( Posts: | Credits: )


Pienso que s???? lo que sucedi????. Acepto el pago por fax en forma de un cheque copiado de clientes. Yo s????lo acepto cheques esta manera tan yo puedo permanecer organizado. Ayudo a personas de muchos foros diferentes y alg????n correo que m???? verifico. Generalmente, esto es un socio o la persona que ayud???? en una sola cuenta antes yo abr???? sifxpert. Yo todav????a consigo cheques aleatorios de personas que ayud???? hace mucho tiempo con los arreglos a largo plazo como citibank que yo me asiento m????s de 12 meses. Yo no re????no un honorario para 1 a????o lleno y muchos veces, yo hago ni recuerdo a la persona.

Pienso que usted fue intimidado por la barrera del idioma y o me envi???? un cheque a m???? sin papeleo o viceversa o quiz????s, su cuenta se hab????a ca????do completamente thru las grietas y muchos errores ocurrieron que hago las cosas que una cierta manera de prevenir los errores que no es siempre perfecto pero imposible perder completamente todo relacion???? a usted incluye un pago.

Pienso que en vez de hacer un esfuerzo de comunicar conmigo usted acaba de lleg???? a ser enojado y abandon???? hasta que usted lea acerca de m???? en el foro aqu????. Antes que me confronta usted mismo, usted manipul???? otros hablar para usted y no tener inter????s en el efecto puede tener en mi negocio o c????mo otros le ven. S???? que mi evaluaci????n no es id????ntica si cerca de id????ntico a los hechos reales que hab????an sucedido.

Esto no es enteramente mi defecto. Si un pago fue recibido sin papeleo en el mismo formato que es el ????nico formato que utilizo con clientes, entonces de manera predeterminada, yo pensar????a el cheque que recib???? fue para alguien yo ayud???? en el pasado que por ????ltimo me paga.

Yo no tuve intenci????n de rasgarle lejos. Si hablamos jam????s habl???? con usted teniendo las intenciones m????s sinceras. La manera que usted me ha atacado en este foro estoy fuera de lugar. La culpa no es m????a que hay una barrera del idioma. Usted no puede esperar proporcionar un pago sin un contrato ni sin nada en cuanto a eso identificando que usted es y la raz????n para el pago. Soy una persona ocupada y yo hablo con cientos de personas en alguna semana dada. Si su pago fue enviado acompa????ado de papeleo, que yo nunca he tirado un acuerdo pero le dando el beneficio de la duda nosotros recibimos su acuerdo de cliente con su cheque yo me disculpo sinceramente y no signifiqu???? absolutamente da????o.

Que usted simplemente me mand???? correo electr????nico y explic???? o tuvo alguien traduce para usted esto no habr????a llegado a ser un problema tan mayor. He pasado la semana pasada y unos pocos d????as que tratan de resolverse este y han perdido a clientes significativos como sus ataques fueron bastante brutales con sus amigos presuntuosos que anuncian tales observaciones que no est???? en la infracci????n de t????rminos del servicio para este foro mas permitido de todos modos y una sola palabra de la disculpa.

$500,00 son una mera fracci????n de lo que esto me ha costado. Tengo cada derecho de negar su cosidering del reembolso su enfoque elegido sin embargo; usted puede sentirse libre contactarme ver personalmente si podr????amos beneficiar mutuamente resolviendo esto.


lrhall41

Submitted by on Mon, 04/14/2008 - 20:50

( Posts: | Credits: )


TRANSLATION OF THE ABOVE POST: (GUEST...EVERYONE SPEAKS ENGLISH HERE - PLEASE POST IN ENGLISH SO EVERYONE CAN BENEFIT FROM YOUR POST.)

Quote:

I think I know what happened. I accept payment by fax in the form of a cheque copying customers. I just accept this check so I can stay organized. I help people from many different forums and mail me a check. Generally, this is a partner or the person who helped in a single account before I opened sifxpert. I still get random checks of people who helped long ago with the long-term arrangements that I like citibank seat more than 12 months. I did not meet a fee for 1 year filled, and many times, I do not remember the person.

I think that you were intimidated by the language barrier I sent a check to me without paperwork or vice versa, or perhaps his mind was completely fallen through the cracks and many errors occurred that I do things a certain way to prevent errors is not always perfect but impossible to completely lose you include everything related to a payment.

I think that instead of making an effort to communicate with me you just became angry and left until you read about me in the forum here. Before I confront yourself, you manipulated others speak for you and have no interest in the effect can have on my business or how others see him. I know that my assessment is not identical whether near identical to the actual events that had happened.

This is not entirely my fault. If a payment was received no paperwork in the same format that is the only format that I use with clients, then by default, I think I got the check was for someone helped me in the past that finally paying me.

I did not have intention to rasgarle far. Speaking never talked to you taking the most sincere intentions. The way you attacked me here I am out of place. The fault is not mine there is a language barrier. You can not hope to provide a payment without a contract or nothing in terms of identifying that you are and the reason for payment. I am a busy person and I speak with hundreds of people in any given week. If your payment was sent with paperwork, which I never thrown an agreement but to give him the benefit of the doubt we receive his agreement with his client check I sincerely apologize and I meant absolutely no harm.

That you just sent me email and explained or had someone translate for you, this would not have become a much larger problem. I have spent the last week and a few days to deal with this resolved and have lost significant customers as their attacks were quite brutal with his friends presumptuous to announce such observations is not in breach of terms of service for most allowed in this forum Anyway, a word of apology.

$ 500.00 are a mere fraction of what it has cost me. I have every right to deny its cosidering the reimbursement approach chosen however, you can feel free to contact me personally to see if we could benefit mutually resolving this.


lrhall41

Submitted by SUEBEEHONEY70 on Tue, 04/15/2008 - 04:54

( Posts: 4583 | Credits: )


SIFXPERT may have worked fro some people, but, not for others. Not everything works for everyone. To those who SIFXPERT DOES 'work' for, I wish you success.


lrhall41

Submitted by sdchargers_63 on Tue, 04/15/2008 - 07:02

( Posts: 1798 | Credits: )


Bottom line here is that Tania paid for services that were not provided and is due a refund. I would highly suggest that the full refund be given regardless of what the mistake cost. That is irrelevant. No service for payment. Refund due. I would recommend contacting the BBB to resolve this if it can't be done one on one!


lrhall41

Submitted by Frogpatch on Tue, 04/15/2008 - 10:47

( Posts: 5381 | Credits: )


THANKS FROG, SUEBEEHONEY70 AND SDCHARGERS63 FOR HELP ME ALWAYS AND UNDERSTAND VERY WELL EVERYTHING I SAID HERE.
THANKS FOR ALL GREAT MEMBERS OF THIS FORUM EITHER FOR UNDERSTAND ME VERY WELL ALWAYS.
I THINK CUSTOMER SERVICE IS THE BEST HERE.
MR GUEST I DO NOT SPEAK SPANISH.I SPEAK PORTUGUESE.
I DO NOT KNOW MR GUEST HOW TOURISTS DO WHEN THEY TRAVEL OVERSEAS WITHOUT UNDERSTAND ENGLISH OR OTHER
LANGUAGE LIKE GREEK FOR EXAMPLE.
I THINK IS AMAZING HOW SOME PEOPLE HAVE EXCUSES FOR A BAD CUSTOMER SERVICE.
I DO NOT KNOW HOW SOME PEOPLE CAME TO debt consolidation CARE FORUM TO MAKE PROPAGANDA ABOUT THEIR BAD BUSINESS.
DEBT CONSOLIDATION CARE FORUM REALLY UNDERSTAND
ALL LANGUAGES HERE BECAUSE THEY SPEAK ESPERANTO HERE.
ESPERANTO IS THE UNIVERSAL LANGUAGE.


lrhall41

Submitted by tsacgiv on Tue, 04/15/2008 - 11:19

( Posts: 2106 | Credits: )


MAYBE THEY DO NOT SPEAK ESPERANTO HERE BUT IS LIKE THEY SPEAK ALL LANGUAGES HERE.
ALL GREAT MEMBERS OF debt consolidation CARE FORUM
GIVE THE BEST CUSTOMER SERVICE HERE ALWAYS BECAUSE
THEY CARE ABOUT GOOD PEOPLE AND THEY CAN TRANSLATE
ANY LANGUAGE HERE.
SUEBEEHONEY70 JUST DID A TRANSLATION VERY WELL HERE.
OH GOD!!!
THANKS FOR ALL FANTASTIC MEMBERS OF DEBT CONSOLIDATION CARE FORUM.THEY REALLY SPEAK MY LANGUAGE,YOUR LANGUAGE AND ALL OTHERS LANGUAGES HERE.THEY SPEAK WITH THEIR HEARTS EITHER.
IF YOU WANT HELP HERE DO NOT WORRY ABOUT YOUR ENGLISH BECAUSE THEY WILL UNDERSTAND YOU,ME AND EVERYBODY THAT ASK FOR HELP HERE JUST LIKE ME
AND JUST LIKE US.


lrhall41

Submitted by tsacgiv on Tue, 04/15/2008 - 11:49

( Posts: 2106 | Credits: )


No, the bottom line here is I do not have any record of your payment nor do I have any other paperwork from you. There was no payment for services. There may have been a check sent to me but nothing more. How am I to know what your check is for if it is not sent with a client agreement or anything else indicating the purpose for payment?

I am not being difficult here. I do not issue refunds to someone who bad mouths me on any forum without proof of payment and an explanation. Does any of this make sense to you or is it just me who does not understand?

I have checked all of my emails and have not a single record of a Tania in my emails or in my receivables. If I sent a check for $500.00 to pay for a service and did not receive what I paid for I would make sure I called who I paid to find out what was going on and if they could not provide me with the service I paid then I would request a refund. If I did not receive the refund, then I would continue to call until I did receive.

If a check was sent to me by Tania it was done over a year ago. I have requested several times for Tania to call me but I have not received a call. I am willing to be done with this and send her a check but to who? Where? and what proof do I have that a payment was ever received?

The only one who should be complaining here is me as the only thing to substantiate a claim by Tania is bad mouthing me and demanding a check for $500.00.


lrhall41

Submitted by owner on Tue, 04/15/2008 - 17:05

( Posts: 5 | Credits: )


Guys, this is getting out of control . . . . . I looked through Lisa's posts, and she seems legit to me. I don't know where this all went wrong, but I think people are too quick to jump on people saying something good about a debt company, and not quick enough when people say lies about a debt company. It's not fair. This board should show the good and the bad, so someone needing help can get an ACCURATE picture of what the companies do and don't do. Good and bad should be welcome. Lisa did not post contact info, or in any way solicit business. She mearly posted her experience.


lrhall41

Submitted by goudah2424 on Wed, 04/16/2008 - 08:57

( Posts: 7935 | Credits: )


I see the owner of Sifxpert doing more then most debt companies to try to help Tania . . . And for what? This isn't cool guys . . . . . I don't know if you realize what bad mouthing a company and accusing them of taking your money can do to a business, but you may want to think about that first. How would you feel if someone posted something that wasn't true about you, then when you tried to correct it, was just mocked?


lrhall41

Submitted by goudah2424 on Wed, 04/16/2008 - 09:01

( Posts: 7935 | Credits: )


I think it's a no win situation either way. No one is going to agree or disagree. It seems like Guest and Sifxpert Expert might be posting as one in the same to keep this entire thread going. Hopefully those involved can resolve their issues. But it seems like this forum isn't the place to accomplish that.


lrhall41

Submitted by angell on Wed, 04/16/2008 - 12:30

( Posts: 302 | Credits: )


If that IS the case, "posting one in the same," that's just playing a game with the entire forum.


lrhall41

Submitted by sdchargers_63 on Wed, 04/16/2008 - 22:17

( Posts: 1798 | Credits: )


I agree with Goudah. We need to hear the positives and negatives about companies, so we can tell others.

We offer debt consolidation and compaies here, we wouldn't want others to bad mouth them.

If someone is getting help and they want to share that, it's fine. The only problem I have is when someone is advertising, or coming here just to promote.

There have been others on this site in years past who have shared some good experiences with companies. Like all things, there are good and bad companies. I always tell others to check out the company and get others opinions before you go with anyone.

It's just like Collection Companies, I have had a few that have been really good and helped with payments, etc., and others who are horrible. Just don't jump into anything quickly..karen


lrhall41

Submitted by Bossy4455 on Fri, 04/18/2008 - 08:36

( Posts: 5854 | Credits: )


BOSSY, sometimes it's difficult to see 'where to start'. Thinking to yourselve 'will THIS company really help me or just take my money?"


lrhall41

Submitted by sdchargers_63 on Sat, 04/19/2008 - 02:48

( Posts: 1798 | Credits: )


Sd- of course it's a scary thing to start with a company. I am not saying to go, or not go with a company, that is up to the individual. What I am saying and have said in many previous post--check out any company you may go with. Get it in writing, ask about fees, when creditors can get paid, etc.

Besides checking them out with the BBB, and google, and here- in some states you can contact your states' attorney general and ask them about a company.

I am saying everyone has a right to post their experiences here, as long as it is not advertising, promoting, or using bad language, putting someone down, etc.

Karen


lrhall41

Submitted by Bossy4455 on Sat, 04/19/2008 - 10:57

( Posts: 5854 | Credits: )


I get your point,BOSSY. If I had a good experience with a certain company, I would want to post it, too.


lrhall41

Submitted by sdchargers_63 on Sat, 04/19/2008 - 11:11

( Posts: 1798 | Credits: )