Are these people scammers?
Date: Wed, 11/11/2009 - 08:40
I can not post about this organization below because it was considered advertising, so I reposted. I just want to know if these people are scammers, and if their defenses work. but here this is their "get out of debt" plan. I am studying if these strategies actually work, and wanted to get anyone's opinion/experience as to the success of each tactic.
Do these people sound like scammers?
Phase One - They claim if you have superior liens filed, that you are less attractive to sue. I know for me that this will not work by itself, since banks do not really care. They will sue someone get nothing.. Its just some employee doing their job, right? But here are some other components to the program.
?? Where do you live? You are more fully protected in some states than others. The strategies will change depending on the state where you live.
?? What is your employment status? Techniques are different for wage and salaried employees as opposed to contract workers or business owners. You may need additional modules depending on your employment status.
?? Who do you owe? Different banks have different collection rules that they follow. We know each of their requirements. We will be able to identify exactly what to do with each creditor.
Within a few months the credit reporting agencies should have found the filing and will enter this significant lien into your credit report. This in itself will discourage many creditors from suing as they will realize that the time and expense of the suit may be for nothing. The lien will cover your personal properties and assets within your state of residence. Some applicants will need to file in multiple states if they hold equities in more than one state.
If credit obligations are in only one party's name, then only that party will need the Shield. If credit was acquired jointly, then husband and wife, for example, will both need their separate Shields.
Please note that the effectiveness has been compared to concrete - freshly poured, it is soft. Allowed to mature it gets harder and harder. This is why time is of the essence. You do not want to wait to put your shield in place as waiting may reduce your shield's effectiveness.
(is this a sales tactic, BUY NOW!!!)
Phase Two - - Creditor Deterrence.
Have you been dragging your heels? Have you waited just a little too long to take positive steps toward resolving your debt? Have you already begun receiving calls from collection agencies and letters from attorneys? The next step will be lawsuits, hours in attorney's offices and courtrooms, and wage garnishment. You do not have to go through this hassle if you act now. There is still time for you to control your creditors.
The objective of this phase is to keep you out of court. We want your creditors to understand that they are simply too late and that it will be useless for them to attempt to win in court and to garnish your wages. Most creditors will cease collection attempts once they see this Phase in place. Be aware that you don't have a lot of time to lose. It can take up to 90 days to get this protection in place.
Sounds like Phase One to me..
Phase Three - Protect your Salary and Wages.
Protecting your salary and wages may be critical to some, and of no use to others who may be self-employed or unemployed. For those receiving a salary or working hard to earn wages, this step is crucial to your protection. In this Phase, we prevent any creditor from garnishing your wages. This can be put in place immediately after you have completed Phase 2.
(Does not apply to me since I am a business owner)
Phase Four - CONTROL YOUR CREDITORS - Fighting Back Effectively .
In the normal course of business, most banks will charge off accounts within 6 months, selling them in bulk to collection agencies. These agencies are normally difficult to deal with and can be daunting without our assistance. Beginning with frequent collection phone calls and what we call "nasty-grams" they will harass and pursue you relentlessly. Their tactic is to bully you into paying. They generally do not want to go to court but they will do so if they feel they have a chance of winning.
We provide the help you need to ward off these advances. combined with lien protection, the protection is more complete. The national average of credit cards held by individuals is 8. If you are in trouble with one, you are probably in trouble with all of them.
we have 20 modules to assist you. These range from immediate financial advice and how to stop collection calls to various aspects of legal maneuvering. We do 95% of the work for you; however, your assistance in forwarding materials to us and completing documents with your personal information to help you is required.
( I do not trust for anyone to do this for me, however, I do need some guidance)
This is exactly what you need if you are getting collection notices in the mail or phone calls from your creditors. But if you don't want to deal with the harassing phone calls or "nasty grams", then you need our services. You know that these people have to be dealt with but you don't want to do it. We will intercept your collection phone calls and respond to the demand notices for you.
Phase Five - THE PRIVACY PACKAGE.
Would it make sense to stand in the way of oncoming traffic if one could step aside and dodge it? Then it doesn't make sense to stand by like "a deer in the headlights" while your creditors try to run you over with threats and abuse when there is a solution that works? We have constructed an offer you relief from those demeaning collection calls and intimidating notices. We can begin putting the necessary paperwork in place today. By the first of the month you will not be afraid to pick up your phone or go to the mailbox. You can begin to relax again with the knowledge that we are doing exactly what is needed to keep you from harm's way.
The package, when set in place, not only intercepts collector phone calls, it also prevents inadvertent disclosure of important information by you or your family on the phone; plus, you will not have to feel like a prisoner in your own home ever again. All of your collection phone calls will be answered by our trained staff who will confirm your phone number only. They will not confirm your mailing address or any other personal information which would give the collectors more bullets for their legal guns.
In addition, we give you a new address in a garnishment protected state. The purpose of this service is to provide an address for creditors to use for mailing their collection notices and filing law suits. It will be the incorrect venue and thereby make the service invalid which is a strong defense in law suit settlement. You will send "Change of Address" notices to each of your creditors, informing them of your new mailing address. Their collection letters will be received at our offices. This is where our next module fits into the seamless solution for stress brought on by financial pressures.
Phase Six - THE RESPONSE MODULE.
Collection letters need to be answered. They do not go away if you decide to ball them up and throw them out. An unanswered collection letter worsens and prolongs the process. Properly responding to a collection letter is an important step in the debt resolution process. Each letter or notice reveals crucial clues as to the appropriate response required to make your financial reparation as painless as possible.
A collection letter is much like a gauge. It informs you of approximately where you stand in relation to future collection attempts or actions such as summons, law suits, or garnishments. When we make decisions on the appropriate response to each of your notices we take into consideration a number of things:
?? the length of time between your last payment and the date of the letter
?? who sent it
?? and other factors such as:
o did the letter come from the creditor's in-house collection department
o an attorney in another state
o a local attorney
o a third party debt collector
o a third party debt collector's attorney in another state
o a third party debt collector's local attorney?
Each factor is critical in determining how to respond.
Our staff, under the direction of our in-house legal counsel and partner law firm, is trained to look at all this information so that you will be provided with the correct response in each case. With the response package you will be provided with the properly completed letters, forms, and motions to defend yourself against your creditors.
The objective of these services is to keep you from ever having to appear in court, to frustrate your creditors, and to cease collection efforts. Once your creditors know that you are serious about the program and are following each step plus know that you are immune from wage garnishment, they will be ready to settle. You are now getting to the end of the nightmare and close to the dream. Financial freedom is at your doorstep. Don't stop now. Let's settle your debt so you can get on with your life.
Phase Seven - Debt Settlement Negotiation.
Debt Settlement Negotiation services are provided directly by the law firm. The client must have been in the program at least a year to eighteen months. In some programs, there are between one and three debt negotiation settlement procedures by our attorneys included. In others, this is an optional extra. The firm will attempt up to 3 times with each account to settle the debt for as little as 10% of your debt. You will have the option to accept or reject the final settlement position. We also negotiate to have your account marked "Paid in Full" and we negotiate to have no tax bill issued for the "debt forgiven". There is no guarantee of reaching this level of settlement; however, the combination of your having gone through the program plus the authoritative approach the firm uses will easily surpass what other companies claim that they can do. It is not uncommon for us to see settlements from 10% to 20% of the original balance due. If you choose not to accept the offer at that time, you can pay nothing and let the statute of limitations expire (depends on your state).
Throughout this series of programs our objective is to prove to the creditors who are pursuing you that their efforts are too time consuming and costly. By "wearing them down" using our system, they are more inclined to settle for less more quickly. They will then simply move on to the next name on a long list of the weak and vulnerable. Our system provides them with an exit strategy that they can accept.
Other companies suggest that settling for 50% of what is owed is the best they can do. They simply fail to realize that there is a system to be followed. We have that system.
Phase Eight - Credit Clean Up.
This is part of your program. Notice we don't call this "Credit Repair". There is no guarantee that credit will be repaired in this module. The purpose is to assist in removing adverse and incorrect items from your credit file. Once you have sent us copies of your 3 credit reports our audit and processing procedure begins. We continue to work on removing errors for up to 12 months. We send 3 letters to each credit agency on each adverse item according to a proven plan which challenges adverse remarks and removes incorrect ones. This method has previously proven to be effective in increasing credit scores. Please note well the wording in this as guaranteeing the outcome is not possible. Things change. We expect our methods to continue to work. Those companies who "guarantee" results are generally not being truthful. You have up to six months after joining the program to begin this process.
When is the best time to join the program?
The best time to join the program is when you do not have current collection problems involving an attorney. This allows you to put the three phases of the Financial Shield in place before any of your creditors can begin a legal process. We want to be in the superior position and not have to compete with your creditors. It can take up to six weeks to complete Phase 1 and 90 days for Phases 2 and 3.
The more unsecured debt you have, the more beneficial this program will be for you. You can have no debt and just need to protect your assets. We usually present this offer to people with at least $15,000 in unsecured debts. These include credit cards, lease agreements, hospital bills, debts left over from repossessions, and any third party debt collection efforts.
Don't wait another minute. Call us today and let's get started in setting up your protection and debt resolution.
How Can We Help You Now?
Debt resolution for as little as 10 cents on the dollar - or just let the statute of limitations expire for 0 cents!
Stop your Credit Card payments now!
Protect your Wages, Income, and Assets!
30 Day Satisfaction Guarantee!
We handle your phone calls and demand letters!
Proven and Legal Resolution!
Avoid Bankruptcy or 5 years of Court Ordered Payments and Credit Counseling!
We negotiate No 1099 Tax Bill to YOU!
We negotiate to have your account marked, "Paid in Full"!
**************************************
No Consolidations or Required Credit Counseling!
No Bankruptcies!
No Collection Agencies!
Protect your Wages!
No homes and assets seized!
No More Loans!
No nagging Bill Collectors!
No angry collection letters!
No Bankruptcy!
It could be too late for you, if you waited too long and:
You already have legal action pending against you for all of your debt.
They are already garnishing your wages or income for all of your debt.
You have no money or credit left to pay for the program.
Here's How To Learn More Now:
tax savings.)
Do these people sound like scammers?
Phase One - They claim if you have superior liens filed, that you are less attractive to sue. I know for me that this will not work by itself, since banks do not really care. They will sue someone get nothing.. Its just some employee doing their job, right? But here are some other components to the program.
?? Where do you live? You are more fully protected in some states than others. The strategies will change depending on the state where you live.
?? What is your employment status? Techniques are different for wage and salaried employees as opposed to contract workers or business owners. You may need additional modules depending on your employment status.
?? Who do you owe? Different banks have different collection rules that they follow. We know each of their requirements. We will be able to identify exactly what to do with each creditor.
Within a few months the credit reporting agencies should have found the filing and will enter this significant lien into your credit report. This in itself will discourage many creditors from suing as they will realize that the time and expense of the suit may be for nothing. The lien will cover your personal properties and assets within your state of residence. Some applicants will need to file in multiple states if they hold equities in more than one state.
If credit obligations are in only one party's name, then only that party will need the Shield. If credit was acquired jointly, then husband and wife, for example, will both need their separate Shields.
Please note that the effectiveness has been compared to concrete - freshly poured, it is soft. Allowed to mature it gets harder and harder. This is why time is of the essence. You do not want to wait to put your shield in place as waiting may reduce your shield's effectiveness.
(is this a sales tactic, BUY NOW!!!)
Phase Two - - Creditor Deterrence.
Have you been dragging your heels? Have you waited just a little too long to take positive steps toward resolving your debt? Have you already begun receiving calls from collection agencies and letters from attorneys? The next step will be lawsuits, hours in attorney's offices and courtrooms, and wage garnishment. You do not have to go through this hassle if you act now. There is still time for you to control your creditors.
The objective of this phase is to keep you out of court. We want your creditors to understand that they are simply too late and that it will be useless for them to attempt to win in court and to garnish your wages. Most creditors will cease collection attempts once they see this Phase in place. Be aware that you don't have a lot of time to lose. It can take up to 90 days to get this protection in place.
Sounds like Phase One to me..
Phase Three - Protect your Salary and Wages.
Protecting your salary and wages may be critical to some, and of no use to others who may be self-employed or unemployed. For those receiving a salary or working hard to earn wages, this step is crucial to your protection. In this Phase, we prevent any creditor from garnishing your wages. This can be put in place immediately after you have completed Phase 2.
(Does not apply to me since I am a business owner)
Phase Four - CONTROL YOUR CREDITORS - Fighting Back Effectively .
In the normal course of business, most banks will charge off accounts within 6 months, selling them in bulk to collection agencies. These agencies are normally difficult to deal with and can be daunting without our assistance. Beginning with frequent collection phone calls and what we call "nasty-grams" they will harass and pursue you relentlessly. Their tactic is to bully you into paying. They generally do not want to go to court but they will do so if they feel they have a chance of winning.
We provide the help you need to ward off these advances. combined with lien protection, the protection is more complete. The national average of credit cards held by individuals is 8. If you are in trouble with one, you are probably in trouble with all of them.
we have 20 modules to assist you. These range from immediate financial advice and how to stop collection calls to various aspects of legal maneuvering. We do 95% of the work for you; however, your assistance in forwarding materials to us and completing documents with your personal information to help you is required.
( I do not trust for anyone to do this for me, however, I do need some guidance)
This is exactly what you need if you are getting collection notices in the mail or phone calls from your creditors. But if you don't want to deal with the harassing phone calls or "nasty grams", then you need our services. You know that these people have to be dealt with but you don't want to do it. We will intercept your collection phone calls and respond to the demand notices for you.
Phase Five - THE PRIVACY PACKAGE.
Would it make sense to stand in the way of oncoming traffic if one could step aside and dodge it? Then it doesn't make sense to stand by like "a deer in the headlights" while your creditors try to run you over with threats and abuse when there is a solution that works? We have constructed an offer you relief from those demeaning collection calls and intimidating notices. We can begin putting the necessary paperwork in place today. By the first of the month you will not be afraid to pick up your phone or go to the mailbox. You can begin to relax again with the knowledge that we are doing exactly what is needed to keep you from harm's way.
The package, when set in place, not only intercepts collector phone calls, it also prevents inadvertent disclosure of important information by you or your family on the phone; plus, you will not have to feel like a prisoner in your own home ever again. All of your collection phone calls will be answered by our trained staff who will confirm your phone number only. They will not confirm your mailing address or any other personal information which would give the collectors more bullets for their legal guns.
In addition, we give you a new address in a garnishment protected state. The purpose of this service is to provide an address for creditors to use for mailing their collection notices and filing law suits. It will be the incorrect venue and thereby make the service invalid which is a strong defense in law suit settlement. You will send "Change of Address" notices to each of your creditors, informing them of your new mailing address. Their collection letters will be received at our offices. This is where our next module fits into the seamless solution for stress brought on by financial pressures.
Phase Six - THE RESPONSE MODULE.
Collection letters need to be answered. They do not go away if you decide to ball them up and throw them out. An unanswered collection letter worsens and prolongs the process. Properly responding to a collection letter is an important step in the debt resolution process. Each letter or notice reveals crucial clues as to the appropriate response required to make your financial reparation as painless as possible.
A collection letter is much like a gauge. It informs you of approximately where you stand in relation to future collection attempts or actions such as summons, law suits, or garnishments. When we make decisions on the appropriate response to each of your notices we take into consideration a number of things:
?? the length of time between your last payment and the date of the letter
?? who sent it
?? and other factors such as:
o did the letter come from the creditor's in-house collection department
o an attorney in another state
o a local attorney
o a third party debt collector
o a third party debt collector's attorney in another state
o a third party debt collector's local attorney?
Each factor is critical in determining how to respond.
Our staff, under the direction of our in-house legal counsel and partner law firm, is trained to look at all this information so that you will be provided with the correct response in each case. With the response package you will be provided with the properly completed letters, forms, and motions to defend yourself against your creditors.
The objective of these services is to keep you from ever having to appear in court, to frustrate your creditors, and to cease collection efforts. Once your creditors know that you are serious about the program and are following each step plus know that you are immune from wage garnishment, they will be ready to settle. You are now getting to the end of the nightmare and close to the dream. Financial freedom is at your doorstep. Don't stop now. Let's settle your debt so you can get on with your life.
Phase Seven - Debt Settlement Negotiation.
Debt Settlement Negotiation services are provided directly by the law firm. The client must have been in the program at least a year to eighteen months. In some programs, there are between one and three debt negotiation settlement procedures by our attorneys included. In others, this is an optional extra. The firm will attempt up to 3 times with each account to settle the debt for as little as 10% of your debt. You will have the option to accept or reject the final settlement position. We also negotiate to have your account marked "Paid in Full" and we negotiate to have no tax bill issued for the "debt forgiven". There is no guarantee of reaching this level of settlement; however, the combination of your having gone through the program plus the authoritative approach the firm uses will easily surpass what other companies claim that they can do. It is not uncommon for us to see settlements from 10% to 20% of the original balance due. If you choose not to accept the offer at that time, you can pay nothing and let the statute of limitations expire (depends on your state).
Throughout this series of programs our objective is to prove to the creditors who are pursuing you that their efforts are too time consuming and costly. By "wearing them down" using our system, they are more inclined to settle for less more quickly. They will then simply move on to the next name on a long list of the weak and vulnerable. Our system provides them with an exit strategy that they can accept.
Other companies suggest that settling for 50% of what is owed is the best they can do. They simply fail to realize that there is a system to be followed. We have that system.
Phase Eight - Credit Clean Up.
This is part of your program. Notice we don't call this "Credit Repair". There is no guarantee that credit will be repaired in this module. The purpose is to assist in removing adverse and incorrect items from your credit file. Once you have sent us copies of your 3 credit reports our audit and processing procedure begins. We continue to work on removing errors for up to 12 months. We send 3 letters to each credit agency on each adverse item according to a proven plan which challenges adverse remarks and removes incorrect ones. This method has previously proven to be effective in increasing credit scores. Please note well the wording in this as guaranteeing the outcome is not possible. Things change. We expect our methods to continue to work. Those companies who "guarantee" results are generally not being truthful. You have up to six months after joining the program to begin this process.
When is the best time to join the program?
The best time to join the program is when you do not have current collection problems involving an attorney. This allows you to put the three phases of the Financial Shield in place before any of your creditors can begin a legal process. We want to be in the superior position and not have to compete with your creditors. It can take up to six weeks to complete Phase 1 and 90 days for Phases 2 and 3.
The more unsecured debt you have, the more beneficial this program will be for you. You can have no debt and just need to protect your assets. We usually present this offer to people with at least $15,000 in unsecured debts. These include credit cards, lease agreements, hospital bills, debts left over from repossessions, and any third party debt collection efforts.
Don't wait another minute. Call us today and let's get started in setting up your protection and debt resolution.
How Can We Help You Now?
Debt resolution for as little as 10 cents on the dollar - or just let the statute of limitations expire for 0 cents!
Stop your Credit Card payments now!
Protect your Wages, Income, and Assets!
30 Day Satisfaction Guarantee!
We handle your phone calls and demand letters!
Proven and Legal Resolution!
Avoid Bankruptcy or 5 years of Court Ordered Payments and Credit Counseling!
We negotiate No 1099 Tax Bill to YOU!
We negotiate to have your account marked, "Paid in Full"!
**************************************
No Consolidations or Required Credit Counseling!
No Bankruptcies!
No Collection Agencies!
Protect your Wages!
No homes and assets seized!
No More Loans!
No nagging Bill Collectors!
No angry collection letters!
No Bankruptcy!
It could be too late for you, if you waited too long and:
You already have legal action pending against you for all of your debt.
They are already garnishing your wages or income for all of your debt.
You have no money or credit left to pay for the program.
Here's How To Learn More Now:
tax savings.)
i honestly do not know enough to know about this topic to know i
i honestly do not know enough to know about this topic to know if they are scammers but since you are asking than perhaps your gut feeling says that they are? if you ask if anyone has experience with a particular company you will not always get honest answers anyway as many companies stalk this board to promote. have you checked the BBB webpage?
The outline given is long and worthy of line by line comments, b
The outline given is long and worthy of line by line comments, but that will take some time.
In brief; what is described in your post is a collection of different tactics promoted by John Gliha, CCDN, credit exchange and many others over the past 15 years. It is only missing a few pipes to be considered the Kitchen Sink.
The underlying premise appears to be: "Don't pay your debt and disappear while filing friendly liens with the intent to frustrate legal collections, we'll show you how and do the work for you".
Needless to say, I am a skeptic. Perhaps if there were more information about who is behind this effort, the law firm(s) or attorneys referenced, any managers and marketing personnel as well as prices for all the packages etc... we could all get a clearer picture of legitimacy.
If something looks too good to be true, chances are that it is.
If something looks too good to be true, chances are that it is.
Then again, Wulfy has a way of cutting to the chase too!
Then again, Wulfy has a way of cutting to the chase too!
WULF is correct....if it looks too good to be true..!!LOL It D
WULF is correct....if it looks too good to be true..!!LOL It DOES sound like the OP already has his/her opionion about the company. I think, if you have a 'bad gut feeling' about ANY company, you shouldn't 'go with them'. I don't see anything about fees, etc. in the 'ad'.
