Campos Chartered Law/ Hess Kennedy

Who do you recommend to handle settlements?

Guest #1 that document exists on Sunbiz website showing Campos attorney & Laura Hess attorney as managers of an existing company.#2 the registered principal address for this company is the exact same for Hess Kennedy. You may not like what I put out,but public records do no lie!

Everyone Watch the Movie "Maxed Out" there u will find who are scamming you!!!!

hi does anyone have any information on how quickly or effectively they settle your credit card debt? i just signed on last week. thanks for any help

they are one in the same company I was first contacted by someone claiming to be from campos chartered law firm I did some searching and found nothing negative about them so i signed up, Well It has been a few months and now all my contact is with hess kennedy, it is terrible I was told I was signing up for a debt validation I had never missed or been late on a payment in my life however it was just a juggling act. i was told to change my address wich I did I changed my phone number and I was told thatthe creditors could not report me negative to the bearus if we where in litigations well every creditor is reporting me negative most say they have not recieved anything from a lawyer the last creditor i sent in called and they said they had recieved it. I then recieved a call from this creditor and they said they had not recieved anything, I called back to hess kennedy and they stated that they could not print it out, this was a month later, I had to then resend the information. I called back once again to inquire about my case and the lady i spoke to told me I was in debt settlement, I had never signed up for debt settlement after a run around I got to someone who said i was not in debt settlement but this was someone i have never talked to the one who said I was in debt settlement was the person who was contacting my creditors so I have no clue what has been sent out. My Credit has gone from 726 to 519 and no one will call me back this has been a terrible expierience
and it looks like I have gone from needing relief to bankruptcy with this company

John how come you decided to sign up with that company if you never missed a payment. Did you listen to their presentation what a settlement program is? Campos disclosure policies is very strict! Were u trying to find an easy way out by eliminating your debt thru debt negotiation? Keep in mind when you sign up for settlement there are alot of risks which is always disclosed before signing it is also on your contract! I only recommend you do settlement unless you can not afford regular minimum payments. Since the new Bankruptcy law has changed it makes it so hard to file that your best exit stragety is settle but even when you settle there is no guarantees you don't get sued so the risk is in your hands and you agree to sign so why complain about it? If you were responsible to begin with you wouldn't need help now that you recieve help and it did not turn out the way you want it you are mad? Makes no sense. I warn all consumers do not settle unless you have no other choice. Settle can be good if you just can't make ends meet cause the odds are with you when you atleast take some kind of actions trying to resolve it instead of just sitting around hoping and wishing your debt gets erase. I am sorry you feel the way you do but from my experiences from being in the work field, programs are there to assist you in their best abilities. Doctor works hard to save lifes but not everyones lifes can be saved. Not everyone is out to get you. Bottom line is this, DO NOT GET CREDIT THAT YOU CAN NOT HANDLE! Educate yourself in spending. It's like they warn you to eat right and healthy but you continue to eat unhealthy food and when you get sick and doctor tries to prescribe you a medicine to cure your sickness you blame him some more when you couldn't recover all the way! Remember when you ask for help people will try to help!

I knew I was in trouble the interest rates kept climbing every month and my wife became ill she was out of work for 2.5 months the deal they presented me sounded good and NO. there was not a disclosure I kept every piece of correspondence between the two of us and the refferal company I was very much mislead about the program I was in. I knew I was headed for finacial difficulty and was mislead by misrepresentation thats how I ended up with this company. I would have never signed up with a debt settlement program, like I said I have keept all the emails with hollow promises and will be contacting the attorney general and bbb. I dont apprecitate your approach, your doctor would never mislead you by saing this is a great diet then when you started you realized it was actually killing you faster, you dont eat food the the calories actually double once you have congested it, I was seeking a program to help me and got screwed by this company I will post every email from them that is full of lies

HERE ARE A FEW LIES THAT LEAD US TO THIS PROGRAMFrom: "HK Credit Services - Kirk Smith"
>To: "'TRISHA HARRIS'"
>Subject: RE: FW: Kirk Reply Reply
>Date: Fri, 1 Jun 2007 09:36:01 -0400
>
>
>
>Trisha,
>
>Thank You for the questions, and in reply....
>
>Your first email.....wills the debt be gone after 14 months with no chance
>of the creditor sending it to collection..............
> The Attorneys are so confident in their legal techniques and their
>full compliance with Federal Law that to date since 1999 and over 12,000
>clients the debt has been cleared; no negative marks are on the credit
>report. That is why we are the only debt management Company in the nation
>to
>guarantee their services. If it sounds too good to be true, we just have
>to
>educate you on the laws that were written to protect the consumer.
>See the below links and the government's crackdown on the creditors...
>
>
>Fair Credit Billing Act
>
>
>.shtml?source
=
>mostpop_story Congress addresses Credit Practices
>
>
>Once the creditors receive the letters from the Attorneys, (sent within 5-7
>Business days of the arrival of the first payment) all activity on the
>account must cease. The creditors have a time frame of 90 to 120 days to
>respond. During this time the balances will remain as they were when you
>entered into the program....these balances will remain constant until the
>debt is invalidated and then the account is marked as "Paid as Agreed" and
>a
>balance of 0. This is the highest notation you can have on the credit
>report.
>
>During the program the credit report will list the accounts as in dispute
>and per the Fair Credit Reporting Act...this can not negatively impact your
>credit score.
>
>If you pay off our fee early, there is no penalty. I.e. if you pay
>everything off in 2 months, it still may take 3-6 months for the program to
>be complete...based on the creditor's response time and also our reply to
>their response. You did not get into debt overnight, and unfortunately you
>do not get out of debt overnight. The attorneys follow specific Federal
>guideline with which to audit the creditors.
>
>
>Re: Hess Kennedy and Settlement. The information you sent me was for a
>settlement program.....you are enrolled with Campos Chartered Law Firm in a
>Debt Audit Program...two completely different programs. Hess Kennedy is
>part
>of the network of 150 attorneys we have nationwide...they specialize only
>in
>debt settlement......that program is designed for someone who is 6-8 months
>behind in their payments, is already in collections and whose credit is
>already ruined. It is a last resort before Bankruptcy.
>
>You are in a totally different situation...your accounts are current and
>will remain so under the protection of Federal law. The program you are
>entering is not a settlement program ...none of the information you had
>provided applies to your situation....two entirely separate programs. I
>would never suggest a settlement program to a client who is current on
>their
>accounts.
>
>With all the accounts in your name and John as the co-signer (authorized)
>on
>one account he would need to sign the paperwork as well. This will also
>allow John to call Customer Service and inquire about the account with any
>questions. With strict privacy laws in place, only the signer of the
>Agreement are allowed to ask for information.
>
>Do not worry about the social security card at this time, when John gets
>his
>receipt for the re-application, he can submit the receipt he is given that
>day......I look forward to any other questions and to your paperwork...once
>again our fax number is 800-406-8269....Kirk
>
>
>-----Original Message-----
>From: TRISHA HARRIS [mailto:jtharris208@msn.com]
>Sent: Friday, June 01, 2007 2:44 AM
>To: k.smith(at)hkcreditservices.com
>Subject: RE: FW: Kirk Reply
>
>sorry to bother you again as you can assume we want to make the best
>decision out there i found this on the hess kennedy website I want to make
>sure that this is not what we are signing up for
>-------------You have retained this law firm because you can no longer
>afford the required payments to your creditors each month. The objective
>is
>
>to achieve a settlement on the balances owed to your creditors. Although
>in
>
>our experience, creditors accept settlement offers, we must disclose that
>there are inherent risks with not making payments to your creditors. Some
>of these risks include: late fees, penalties, and interest will continue
>to
>
>accrue on the consumers debt until the creditors accept and receive a
>settlement; (2) a creditor(s) may still sue to collect on the debts and
>garnish your wages; (3) interest rates applicable to the debt may increase;
>(4) any money saved in negotiating a settlement with a creditor must be
>treated as income for tax purposes; and (5) a debt settled for less than
>the
>
>full amount owed may result in a negative notation on your credit
>report-----------------we have all the papers signed however if this is the
>program we do not want to move forward. Is your supervisor going to contact
>john tomorrow ? all of the accounts we are submiting are mine, John is an
>authorized signer on one account however I am no good at communication so
>our account with you will be in both names it is late and I will be waiting
>for replys to my emails thank you very much for your time oh and John does
>not know where his ss card is he will order one
>
> >From: "HK Credit Services - Kirk Smith"
> >To: "'TRISHA HARRIS'"
> >Subject: RE: FW: Kirk Reply
> >Date: Thu, 31 May 2007 14:29:40 -0400
> >
> >Trisha,
> >
> >Thank you for the questions, in reply....
> >
> >Your accounts are fully protected until the audit is completed (under
> >federal law) . You are not required to make payments on an account that
>is
> >with a Law office... these accounts are being disputed and are being
> >audited. The legal techniques that the attorney use have been successful
> >100% . They are so confident in their services that they offer two
> >separate
> >guarantees to their clients.
> >
> >
> > * The attorneys provide a 100% refund guarantee for any debt for any
> >debt
> >enrolled into the program for which the attorneys are not able to find at
> >least one violation of your rights so that they can use to achieve
> >settlement on your behalf.
> >
> > * If for any reason within the first 30 days of joining the program
>you
> >are not fully satisfied with the attorneys services, you can request a
>full
> >refund of any payments you have made to the attorneys office.
> >
> >So, considering that to date they have been 100% successful of the time
>and
> >that they offer two money back guarantees, I think its safe to say that
>the
> >attorneys have the consumers best interest in mind.
> >
> >There are no changes on the accounts while they are enrolled in the
>program
> >if there is, it would be a violation of Federal Law.
> >
> >Upon completion of the program, the accounts will show Paid As Agreed.
> >
> >
> >-----Original Message-----
> >From: TRISHA HARRIS [mailto:jtharris208@msn.com]
> >Sent: Thursday, May 31, 2007 12:48 PM
> >To: k.smith(at)hkcreditservices.com
> >Subject: RE: FW: debt help from kirk
> >
> >I want to make sure that this will not ruin my credit so the credit cards
> >will not go deliquint? they will not go to collection? they will not show
> >past due? they will show as current and pays as agree?
> >
> >
> > >From: "HK Credit Services - Kirk Smith"
> > >To:
> > >Subject: FW: debt help from kirk
> > >Date: Thu, 31 May 2007 10:56:16 -0400
> > >
> > >

John I do appologize if I made you felt as if you've done something wrong but the truth of the matter is many before do know exactly what they are getting into. When I hear or see stuff like that it makes me sick because it makes other companies look bad. The only person to blame the representative that presented you the program. So point out the main source. Alot of times these law firm become victims aswell because their referral partners do not disclose certain programs properly. I just warn consumers to ask around first before signing to make sure the programs all matches 1. And also make sure that the law firm that are handling the settlements are highly experienced.

HK credit services is who I was contacted by h k who do you think that is I was duped big time and no one is willing to take responsibility all I want is my money back if they cannot do what was relayed to me then this is not the program for me stay away from campos chartered law and hess kennedy they will say anything to get your money

Stay in debt then like all these other idiots. I hope my debt collection company gets your account after you quit the law firm.

I will call your work and "accidentally" ask for your boss. Go it alone. We loooove when they drop there lawyers because of some anonymous blog on a website that referes business to competing companies.

you people are soooo dumb

Guest your advice is about informative as a slug. If you do not like the comments on our web site,then leave!!!Really a very simple solution.

I posted what I did so people would know exactly what they are dealing with, two decietful companies and I will go it alone it cannot be any worse than dealing with hess kennedy. I was seriously lied to you say they are similar but they are not one is debt settlement wich ruins your credit forever almost as bad as if you never paid at all.The other is a mythical creation of this guy kirk from hess kennedy credit services to get my money and whatever referal bonus he gets.

So dont use them John talk to your debt collectors send them money.

Its end of the month coming up my most aggressive time. Fire your attoreys everyone becuase its there fault that you dont know how to manage your money. . .

Still here posting nonsense huh!

you know I am reading this and you claim to be a debt collector. I know two things for sure if you try and collect debts the way you talk to people on here you will get sued. 2 debt collectors have the worst credit in the industry, I believe the the guest who uses the name blah blah blah is a self loather who knows they are a credit criminal so they take the time to leave messages attacking other people because they are a dirt bag. one guest left messages about the compos chartered law wich I belive was the discussion and I believe a hess kennedy employee told him his information was usless, well what information do you have cajunbulldog none you just want to belittle people is this web site to share information or attack each other? I was reading the internet about programs I wont use hess kennedy because I have heard enough bad about them so thanks john I appreciate what you shared atleast someone was on here to post there experiences not internet fight

allen I am a moderator on this board and my ave. Fico is 780. I am here as an advocate to assist people and try to protect them from bad companies. My comments and public records to back them up are in this topic as well as most of the other Hess topics. One of our members had a very bad experience with them and I did a huge amount of research for her and in the end she got out of the program with a refund.

[font=Times New Roman][/font][size=3][/size][color=Black][/color] One says one thing the other says the opposite. What to belive about who. Arti.

I am glad you have a great fico score Its nice to see that not everyone hits hard times. Here this guy is trying to share his experience about a company and you call him a slug and tell him his experience is nonsense. what kind of advocate is that? What advice would you give to arti would you send him to Hess Kennedy? Arti I have read a lot and have came to realize that doing anything with hess kennedy is like putting a match to your money. one a consumer credit counseling is far better than a debt settlement many lenders view settlement as a charge off. you wont be able to finance anything while you are in ccc but in the end it will be much better as the accounts will read pays as agrees i don't know what company to go with but there is no option as far as what plan of action to take the payments are higher however in the long run you will save money

I was just telling the world what happened to me that hess kennedy lied to me and it has really hurt> i shared the email so that if anyone else is being mislead they know better, that the company lies. I wish i had the information then, that i have now I hope that what i posted saves someone the hassle i have had I was hoping that someone would share an legitimate company with me not attack me, If you are a bill collector why are you on this site? What did I share that was nonsense, believe me I was not trying to start anything or waste anyone's time i dont know if cajunbulldog is directing his comments at me or the other guest that has really nothing to important to say just writes out babble

I still need the name of a legitimate company I need to rebound from the set back from hess kennedy so somone please steer me in the right direction

cajunbulldog, please send me an e-mail to
email address removed as per forum rules - Mike
I have some information for you..
thanks.

I am an advisor and I am here to not promote programs but to truly help those that are in need of help! I will tell you how credit counseling works from inside out and how debt settlement works inside out. I will not tell you which company is the right company but I do encourage you to just use common sense! How I will show you! And yes I do work at a company that assist clients in the decision making on whether what is the best options available to help you get out of debt.

If you are getting high interest 16%+ and you are just simply can only afford minimum! Than seeking help from a certified credit counselor is not a bad idea. MSN Money and myfico.com even encourages it if you want to improve credit score. Credit Counseling programs are designed to help you lower your interests rates and your creditors has already set the guidelines on how much they are willing to reduce down. I more than recommend that program more than anything based on the fact that I have seen multiple clients actually get their rates reduced and monthly payments reduced. In life money is being made whether it is non-profit or not. Non-profit means tax exempt! If a company has well over 50-100 employees, who will pay for their salaries? who will pay to keep the lease of the building going? the parking bills? electric bills? server bills? and the list goes on... My point, stop worrying on how much the monthly maintenance cost is like the saying goes"You get what you pay for" but look at the benefit of doing it! Weigh out the odds, would you rather pay 15k in interest for 15yrs before you can get rid of the debt or pay 3k-4k of maintainance cost to cover 4-5yrs being in the program. My point is, it is worth the investment if you are in that situation I mentioned. Everyone wants the job done right so pay the dues for it! If you were cheap at first you wouldn't continue charging them 22% interest credit cards so why be cheap now atleast the company will get you out of it so they deserve to make a fairshare! Credit is important in life so do not ruin it! Educate yourself on how to spend than you wouldn't have to depend on anyone to get you out of that mess! There is company that do get the job done right just be smart about it on selecting that right company it's real simple and guess what a blog will not help but confuse you more!

Now for debt negotiation Programs: Only get yourself involved in this program if: 1. You are way behind I mean 3-4months behind and accounts are getting turned over to collections. 2. Accounts are already charged-off and in collections. 3. There is no way to get accounts re-age through credit counseling programs.(If you miss 2-3months being in Credit Counseling can help re-age your account back so that way you won't have your accounts charged-off) 4. You can not afford the minimum anymore period. example: salary=$2000net household expenses=$1800 creditcards bills=$500, you are definitely upside down. 5.Do not want to file Bankruptcy.

BOTTOM LINE: IF YOU DO NOT PAY YOUR CREDITORS THAN YOU PUT YOURSELF AT GREAT RISK REGARDLESS IF YOU HIRE A LAWFIRM TO SETTLE FOR YOU.

Why hire a lawfirm than? Because a lawfirm will help manage your finances and get you to actually put some money aside so that way when it is ready to settle they can actually have that lump sum amount to negotiate for you! If you were a well discplined individuals than you wouldn't be in this mess to begin with so do not say "I can just do that on my own" cause you can't that is fact!!! Another benefit, having a lawfirm backing can minimize the collection calls and harrassment and what the lawfirm does and go against violators and try to catch them break your rights and attack the company! Bill collectors are always breaking the law and you know why? Because they are bunch of low-life trying to threaten those that do not have money and treats them horribly just so that way they can earn their stupid little commission and brag about it! That is how the lawfirm always gets a good settlement cause once your account gets handed over to a third party collection agency, it is now in the hands of bunch nobody trying to put fear in people over the phone and they get caught by these lawfirms for breaking the FDCA regulations!

Catch my drift. It's always better to pay on time and not get yourself in this mess but when it comes to push and shove and you do not have a choice hiring a lawfirm to work on a settlement can actually help you more than not do anything at all. People complain about these lawfirms because they are not working at a fast pace that the client wants. Bottom line its real simple: BE PATIENCE.. TRY TO PAY AS MUCH AS YOU CAN IN THE LAWFIRMS TRUST SO THEY CAN START ON A SETTLEMENT FOR YOU AND U WILL GET LESS HEADACHES. DO THIS PROGRAM ONLY IF YOU ARE IN THAT SITUATION.

so John Harris you did not meet those criterias and you gotten mislead and I am sorry to hear that.

John Harris you still have time to get into a credit counseling program.

I recently contacted the consumer law LLC talked to a Dustin Emerson and he signed me up with these people am I loosing my money they were to contact my creditors but I am getting about 12 calls a day on my caller ID from them. They told me that they were sending them out letters to take care of this when I talk to the creditors they have not heard a word from them I can stop payment on any more money from them if they are not going to do anything.

bever jo: Please keep in mind that when you are deciding to do a settlement program, the only thing you can be sure to do is follow the guidelines of the law firms that is handling your account. Remember that collection calls will continue no matter if cease communication forms are sent off, reason being is that bill collectors do not care if they violate your rights, their main tactics is to bug you and bug you until you talk to them and work out a settlement. The Law Firm working your settlements can only negotiate once you built enough funds in the escrow account for them to even start offering a settlement to you creditors. So you only have 3 options at this point, cancel out and do it on your own, just be patience and let the law firm do their jobs or file for BK and let the judge resolve it for you!

Be sure to read up on the Federal Trades Commission website if you want more info about what your rights are!

should one sign on with the chartered law firm or not are there any honest americans out there? Where do you surf the net to find a difinitive answer about this company?

If you investigate with the better business bureau
bbb florida type in campos chartered law firm hit enter. you will see this firm is rated very high with an A-. they have thousand of clients, one person was unhappy and they gave a refund. what more can you ask of a company. A lot of competitors use these boards to try and damage the competition.

Camos= Hess.Be wary until you check them out completely!

It seems like Cajunbulldog has a thing for campos and hess cause if you check on all Law Firms they either don't register with BBB cause they do not need to pay a fee just to get a rating but they must be licensed with the State Bar Association and you can not just pay a fee to be a member there. If you planning to hire a law firm to handle a settlement for you than all you can do find a firm that has been around long enough to have a strong relationship established with the creditors to help negotiate a good settlement. Remember you have only 3 options when you can't handle payments with your creditors anymore, 1.Either start saving as much money as you can so when a bill collector calls you and tries to settle with you, you will have a good lump sum to resolve a settlement with them. 2. Hire a Law Firm that has the experiences to negotiate for you and set you up a trust that you can not touch to built up your funds. 3.Sit and do nothing and wait till you get sued and let the judge decide of your outcome. Bottom line there is no guarantees of your outcome when you do not pay on time but only one thing you can do is begin self discipline and re-organize your financial well being again whether you do it on your own, hire a company to help or have the courts do it for you!

If you do your research thoroughly you will notice that Hess Kennedy is a very large firm that handles thousands of clients from various areas when it comes to finances not just settlements so therefore with the amount of unsatisfied customers are the ones that are mainly enrolled in doing debt settlements which they all expect quick results. If you look in the BBB at all your major credit card companies they have thousands of complaints more. BBB is a good tool just to breifly read on about the companies opened but they grading system is unregulated and not updated properly. Example: look up Toy's R Us, some are graded A some are graded F? another example: look up a utility company plenty of complaints( T-Mobile, At&t,Cingular)Look up the Four Seasons Hotel that plenty of celebrity stays at, they are not even a member with BBB why? Bottom line is this there will always be people complaining about something, but what makes a different is what type of complaints they are complaining about and how that company went about it to resolve it. So if you want to save from all the headaches of reading blogs about complaints than just pay your bills on time. Remember if you can borrow the money than you can find a way to repay it back!

I will repost the info since someone thinks I am using false info to sully their name. This documentation comes directly from sunbiz.org and shows ownership confirmation between Campos and Hess Kennedy managers.

2007 LIMITED LIABILITY COMPANY ANNUAL REPORT FILED
apr 30, 2007
DOCUMENT# L060001 15625 Secretary of State
Entity Name: THE CONSUMER LAW CENTER LC
Current Principal Place of Business: New Principal Place of Business:
210 N. UNIVERSITY DRIVE
209
CORAL SPRINGS, FL 33071 US
Current Mailing Address: New Mailing Address:
210 N. UNIVERSITY DRIVE
209
CORAL SPRINGS, FL 33071 US
FEI Number: FEI Number Applied For (X) FEI Number Not Applicable ( ) Certificate of Status Desired
Name and Address of Current Registered Agent: Name and Address of New Registered Agent:
HESS KENNEDY COMPANY ROBBINS, TIM
210 N. UNIVERSITY DRIVE 210 N. UNIVERSITY DRIVE
209 209
CORAL SPRINGS, FL 33071 US CORAL SPRINGS, FL 33071 US
The above named entity submits this statement for the purpose of changing its registered office or registered agent, or both, in the State of Florida.
SIGNATURE: TIM ROBBINS 04/30/2007
Electronic Signature of Registered Agent Date
MANAGING MEMBERS/MANAGERS: ADDITIONS/CHANGES:
Title: MGR ( ) Delete Title: ( ) Change ( ) Addition
Name: LAURA HESS, INC., Name:
Address: 210 NORTH UNIVERSITY DRIVE Address:
City-St-Zip: CORAL SPRINGS, FL 33071 US City-St-Zip:
Title: MGR ( ) Delete Title: ( ) Change ( ) Addition
Name: JEFF CAMPOS, P.A., Name:
Address: 3200 N. UNIVERSITY DRIVE Address:
City-St-Zip: CORAL SPRINGS, FL 33065 US City-St-Zip:
Title: MGR ( ) Delete Title: ( ) Change ( ) Addition
Name: DAVID KLEIMAN, P.A., Name:
Address: 954 WEST GRACE STREET Address:
City-St-Zip: CHICAGO, IL 60613 US City-St-Zip:
Title: MGR ( ) Delete Title: ( ) Change ( ) Addition
Name: DAVID LIPMAN, P.A., Name:
Address: 3200 N. UNIVERSITY DRIVE Address:
City-St-Zip: CORAL SPRINGS, FL 33065 City-St-Zip:
Title: MGR ( ) Delete Title: ( ) Change ( ) Addition
Name: STEIN, LEE Name:
Address: 123 NW 13TH STREET Address:
City-St-Zip: BOCA RATON, FL 33432 City-St-Zip:
Title: MGR ( ) Delete Title: ( ) Change ( ) Addition
Name: MAVRIDES, MOYAL & AS, SOCIATES, LLP Name:
Address: 1622 YORK AVENUE Address:
City-St-Zip: NEW YORK, NY 10028 City-St-Zip:
I hereby certify that the information supplied with this filing does not qualify for the exemption stated in Chapter 119, Florida Statutes. I further certify that the information indicated on this report is true and accurate and that my electronic signature shall have the same legal effect as if made under oath; that lam a managing member or manager of the limited liability company or the receiver or trustee empowered to execute this report as required by Chapter 608, Florida Statutes.
SIGNATURE: EDWARD CHERRY MGR 04/30/2007
Electronic Signature of Signing Managing Member, Manager, or Authorized Representative / Date

Just so you understand I have never used this type of firm and also I am not in this line of work.My only desire is for our forum members to have the correct information.

Thanks Cajun.... Looks like the threads of the past are starting up all over again. Hess=rip-off, so any company associated with them is most likely wallowing in the slime right along with them.

Cajun, just cause Hess and Campos has something to do with eachother doesn't mean they are in the market to rip people off. All major creditors are linked withother. MBNA wrote the new BK law and congress passed it. Alot of major companies are related so if you are trying to emphasize a bad company than you must be warn that all companies in America are rip off right? Bottom line is consumers need to start paying back what they owe and when they can't and they hire a law firm to help them they get upset when things aren't done right. Lawyers can do so much to help but they think lawyers are gods and can solve everything. So just to make matters simple, Pay your bills on time so you do need the services of a law firm to help you negotiate!

Anyone that is reading this thread I wrote many ways to help you resolve your debt and what to expect when you using a law firm to help resolve your debt so please scroll up from page 5-6 of this thread before placing more comments!!!!!!!!!!

As previously stated I have no need of your services as I have zero bad debts. I simply want the correct information to be given to our forum members. If you are on the up and level then you should have nothing to worry about when I am doing background on your firm.

Cajun what you are doing is right but I think what the people are looking for is how to go about searching for the right company to help them resolve their debts, and all I am doing is informing them the absolute truth about when participating in such programs like debt settlement they need to know that actual truth about it over all no matter what Law Firm represents them the fact of the matter is that when they get involve in this type of program(Debt Negotiations)it is not program that will solve everything when you still have outstanding debts owed. So for the consumers that are looking to go this route just read on what I have to tell you and use your common sense and logic!

First of all I am not defending any companies it is just funny how the subject is just focused on these companies when the truth of the matter is that consumers need to have a real understanding is that when they choose to participate in a debt negotiation program and hire a firm to handle the settlement for them, they need to have full understanding of the risk factors that still comes with the programs. When you have an outstanding debt out there and you stop payments you put yourself in grader risk for the creditors to come after you. I was simply trying to give an understanding about how settlement actually works so the main focus is to educate on consumers about the involvements of being in a program and not just focus on a company.

where do you work? :roll:

does anyone on here even have debt? or is it just that you all have way more time on your hands than any productive adult should? researching ONE marketing company and ONE law firm to such an obsessive extent is absurd and represents vast ignorance on yalls part.

are any of you aware of the fact that there are thousands of settlement companies and lawfirms that negotiate debts for consumers?

or do all of you represent industry competitors whose business has shrunk due to mr. campos' recent bar licensure?

its the continuous obsessive naysaying on this thread that I dont trust.

if youre reading this, and you have debt, just research your options (negotiation/counseling/consolidation loan/bankruptcy/doing nothing) and decide what you think is best for you. dont listen to any of these uneducated hotair ballons with too much time and nothing useful to do.

Why is every time we post useful public knowledge we are attacked? This site has lots of different debt companies in our topics and it is hardly our fault if your name keeps popping up.

I agree cajun! To answer your question, America, yes I have debt, and yes, I did and have researched my options thoroughly. As for the focus on Hess Kennedy, I was totally burned by them, as have a number of other consumers, so anytime there is mention of them and someone considering retaining their services, I am going to warn them against it.

finsfan13 i work for a company is out to help but we do not promote our companies through these threads so therefor it has to be kept silent for the integrity of our companies, I only go on here cause I see so many people confused about the programs they gotten themselves involved and I feel bad so I really want to educate the things that companies do not want people to hear.

I will reply to state if a client of this type of service is getting the expected results,then they would have no reason to complain. Tiffany is one of our members who was burned by a company and I have been watching that company since then to protect our board members & guests. Everything I have posted in regards to these types of companies originated from a public record source with the intent of getting the best information for our forum.

To "I am here to help"
I think you are a fraud and you stink just like the rest of the Hess Kennedy Company. I hate your service, the way they handle calls, and the way you are just treated is awful. All of you will get your judgement one day and it an't going to be from your wallet either. So there sit on that and smoke it BIG BOY!!!

Rude post removed!Cajunbulldog

Keep-Wow thanks for that feedback. We'll all take your sound advice.

You are welcome to post here but please do not pass judgement or degrade our members.

Thank you