Has anyone dealt with Hess Kennedy & Company or Credicur

Seriously...what these people are doing is NOT legal.

email me email address removed as per forum rules - Mike

We will prevail.

Your counselor should have explained how settlement works.

I posted a new topic read it.

The settlement company sends a letter to your creditors informing them that you will not be making any payments.

As you build money in your trust account, the settlement company begins to make settlement offers to creditors.

Thats the whole program. Not complicated. The difference between using a law firm and a settlement company is that:

Most states prohibit debt settlement unless you are a law firm or licensed. No settlement companies are licensed because they would not be able to charge the fees that they need to charge in order to remain profitable. Check the state statutes in the state where the company is located to see if they are liocensed or in compliance. Most states require that the debt adjustment company provide you with audited financials upon request. Florida is one of those states.

Law Firms have advantages:

1. The can curb debt collection abuse by dealing directly with the Attorney Generals in the Various States.

2. They can analyze a debt contract to see if the lender violated truth in lending laws.

3. They always have the threat of filing a bankrutpcy petition if the client cannot handle the debt collection activities.

The only disadvantage is that the Law Firm did not "sell you the service" the referral service did.

If you think that you have been mislead, contact the counselor that sold you the service. Remeber, the service is simple:


1. Creditors are contacted and told no more payments will be made.

2. When monies are sufficient to settle, a settlement is offered to the creditor and a settlement agreement is reached.

Thats it. Make sure that this is the service for you.

Make sure that the company you used is licensed in the state in which it is located. Look up the laws regulating Debt Adjustment/Credit Counseling in the State in which the Company is Located. Ask the counselor if the Debt Settlement Company is licensed, or in the alternative, ask the counselor why you are being placed into a "pre-bankrutpcy" program.

I was taken,i'm calling the bbb ;

Contact me if you'd like to explore ways to recover your losses suffered at the hands of HK. They are profiteering opportunists and are out to take your money.

I also feel i was taken too!!! How do I end my dealings with these people?? I also found out the HESS company had many complaints with the bbb in flordia. What did you do? How did you handle it LOST??

We can all help each other by contacting one another via email. I had to protect myself by closing my bank account, and opening a new one. Since Hess and Kennedy requests pre-Approval to withdraw money from you checking account, the only way to protect yourself is to close the account. Then, you basically need to sue them to recover your money in small claims. Suing is tricky, but it basically requires that you are able to articulate how HK conducted business with you, that it led to harm, and that they misrepresented their service. These are the very arguments the ftc made against a similar company (see the article Also Taken posted above).

I am trying to get testimonials from those of you who feel you were taken by Hess and Kennedy. The more first hand accounts I can get, the more ammunition I will have to take with me to my small claims case. Also, I will share my story with all of you, and offer any help I can in your own quest to sue Hess and Kennedy for the money they have illegally scammed you out of.

Please. If you feel you have been taken advantage of, contact me at the email address I have posted here, and let's share our stories. If my suspicion is correct, there is a pattern of deception here, and our stories I'm sure will be quite similar.

The BBB of Central Florida gives Hess and Kennedy an unsatisfactory rating due to un-resolved customer complaints:

From the BBB:

"Based on BBB files, this company has an unsatisfactory record with the Bureau due to a pattern of complaints. Complaints concern unauthorized withdrawals from consumers' checking accounts, failure to disclose that the initial payment is taken as a set-up fee, and failure to disclose that a third party, Family Financial, handles the debt management program."

Here's the link:

http://www.bbb.org/central-florida

-takenByHK at gmail dot com

I too am very upset!!! I put an earlier message on this site about how I was taken. I paid $232.00 a month faithfully from feb., 2006 to july, 2006 and my creditors never received so much as a phone call or letter from these jerks. HK kept telling me not to answer the phone and not to talk to my creditors and I later found out why. I am now taking bankruptcy because it is too late to repair the damage. Everytime I call HK I am given new rules. I never get the same answer. I cannot believe I was stupid enough to fall for this. I will share my story with anyone that it might help and I would appreciate the same.

Contact me at my email address - and I will share my story with you. I'd also like to hear yours. I am preparing my small claims case against HK right now, and am looking for other people whose testimonials I can share in court to show that there is a pattern of abuse.

Send me a mail, and we can start corresponding.

cheers,

takenbyHK at gmail dot com

Don't sign up with Hess Kennedy. They have done nothing for me, and my accounts are worse off than they were. I'm kicking myself for signing up with them.

my "attorny" edward sherry of florida. told me that he would have everything taken care of than i get judgments against me it has been 6 1/2 months and i dont know where my money is! he will not talk to any of my creditors, nor send them a settlement letter. he has completly ruined my life now iam 4000 dollars more in debt because of what he did. :evil:

Has anyone ever stayed with Hess and Kenndy all the way through? And if you did what were your results? I am only in the beginning stages and I wonder if everything is legitmate with them also. I have just made my first payment with them.

It is 1-866-872-2262

I went to your site but couldn't see anywhere to register. I have spoken with American Liberty Financial & Gyra Grp. I need help fast

Once again, false statements are being reported in this forum.

1. Any consumer who is not satisfied with services from Hess Kennedy Company is entitled to a 100% refund.

2. Anyone who posts in this forum and advertises "50% settlements" is a fraud and should not be posting such false information. No percentage of savings is guarenteed. While settlements have occurred in amounts randing from 25% - 55% those results are unique to the lawyer, paralegal, and debt collector.

3. YOUR CREDIT WILL BE EFFECTED BY NOT PAYING YOUR CREDITORS. This is disclosed when the first letter is sent from Hess Kennedy Company to any consumer.

4. debt settlement is a last effort to avoid bankrupcty.

ONCE AGAIN, ANYONE NEEDING INFORMATION, email Hess Kennedy Company at info(at)hesskennedylaw.com and POST THE RESPONSE. All other posts, comments are not accurate and not helpful. Any person who says "Hess Kennedy Company did not send letters to my creditors" because a Debt Collector told them that is not being very smart. REQUEST A COPY OF YOUR FILE AND YOUR TRUST ACCOUNT BLANCES IT IS YOUR MONEY AND YOUR FILE.

YOu are a liar Cassiopia and if this really happened you should file an AG Complaint and ask that Hess Kennedy Company post the complaint and response.

taken by gmail is a liar. the link is to a reliability report for another company not hess kennedy. any consumer that requests a refund because they are not satisfied gets a refund and is still entitled to free information from the attorneys.

I would recommend that anyone thinking about debt settlement contact an attorney and decide if it is for them dont listen to any of these people who post in this forum bashing one company or another.

most of the posters are employees of Hess Kennedy and other debt settlement companies.

taken by gmail should sue if he feels wronged and we will post the law suit in this forum. I think it is a good idea.

I have emailed HK several times and have never had a question answered. I always get the "run around" and get put off. This statement "ONCE AGAIN, ANYONE NEEDING INFORMATION, email Hess Kennedy Company at info(at)hesskennedylaw.com" is a lie.

I've used the e-mail and got a response within 2 hrs. They called me and e-mailed me. You need to give them your info and they will call you back. I promise. I was really shocked to hear back so quick. I called my counselor and told him how quick and he was pleased as well. You have to have some patiences.

I made my first contact with HK 2 months ago now. I spoke with one of their people got the payment arrangments out of the way and set up a date for every month where i would be sending my check to. Meanwhile he said that i would get a welcome letter. Well, weeks have gone by and i have not recieved anything from them via mail. Then i called them to see where my money had went and they did not know yet my check was cashed! It was as if i never existed. So i told them i will not be paying any more untill i get this resolved and know where my money had gone to. I have not heard from them ever since. I am still waiting. Reading all this has made me very scared please help.

Hess Kennedy and Company has done nothing but screw me and my family over. I was suppost to get my dedt paid off by them, but they never contacted my creditors or did any action to try to help me in any way.-they're customer service sucks and they are a bull company.-DON'T EVER USE THIS COMPANY!

For Misinformed in Michigan,
I can tell you that all these posts that i have read are true, there was not one good thing that came out of the relationship i had with Hess Kennedy.-They tell you that they will work with you and they will easily set up payments with you. But when it comes down to it they never contact any creditors, they never call me and tell me the status of things. -when i finally cancelled with them, they said they needed a "cancellation Letter."--i said ok and sent them it, well they said they didn't receive it i sent it again-long story short, i ended up sending that damn letter 4 times before they got the thing. they are nothing but a scam they are trying to get your money and say they are going to pay off your debt with it, but i was with their company for 3 months and they didn't do a thing.-not one phone call not one fax to my creditors- i sat around for months as my credit got 3 thousand dollars more in the hole.-get out now before it gets too late. :!:

How did you get them to agree to you sending a check each month? We were told we had to have the payment autodrafted from our account.

You said you were only with them for 3 months. We were told that the first two payments were for lawyer's fees and the rest would be put towards paying off our debt. Also, did you ever request a copy of your file to see if they had sent letters?

Would someone from the hess kennedy company please come and tell these people what kind of program this is. I've used the e-mail and got a response. I also got a call from them. What is the deal here? Let's all be honest here and quit this bashing on one another.Hess Kennedy please respond here!!!

Every bad comment posted is from a competing company. We will not respond to lies.

Our company offers services for a fee and for free. We guarentee 100% customer satisfaction or your money back. We offer a direct relationship with TransUnion mycreditimprove.com, we settle your accounts and we can open a VISA checking account for anyone that has lost their bank account.

No other company does what we do with the skill and knowledge. Any client that has been with us for a period of time and saved money has seen their accounts settle for .25 - .40 on the dollar.

I tell you one thing, all of the Debt Adjustment Companies that are operating illegally, are going to be gone within the next year.

I just atarted with hess kennedy as of today.m I did not look them up until today the guy called me up from a inquray and sounded fair. But after reading this web site, I'm starting to worry. they have all my information, to start with my down payment as of today . Ples=ase someone tell me where to ggo for help.

I've been with them for about 5 months and have had no trouble. You need to call them and stay on top of your account with them. E-mail them any time you may have a question. It's help(at)hesskennedylaw.com. They hava a toll free line it's 1-800-760-0585. or 1-954-752-1950. call and find out what's goin on. It's your money and your info there. Don't let them slide you around. Let us know what happens.

I went with Hess Kennedy about 2 months ago and have been harrassed by the credit card companies. They have never heard of this company. Hess Kennedy won't answer the phone when I call. Are they legit or a scam?

They are legit, but they are bad about calling back..I have called numerous times and have e-mailed, still waiting for a response. I have been with them since July..

Would someone from the hess kennedy come in here and talk to these people and tell them how it works. We would like to know because it's our money there and we have the right to know what is going on. You owe us that much.

Please keep in mind during the last 5 days of the month and the first 5 days, we are settling hundreds of thousands of dollars of debt with creditors.

We are uprgading our phone systems to alleviate this problem. In addition, we request that anyone who is contacted by an original creditor let the creditor know the following:

You have hired an attorney to handle a disputed billing error in accordance with the Fair Credit Billing Act.

Ask the original creditor for the address where you can send a copy of the letter your attorney sent to dispute certain entires on your periodic statement.

Do not discuss the issue with them. Blame your attorneys. Tell them that your attorneys are in a better position to handle the issue.

Call us or send us the name of the creditor, account number, and the entire amount they allege is owed.

Keep a log as to whether or not they continue to call. We have hire 3 additional attorneys to begin suing original creditors who violate the FCBA.

I canceled my services with yall and haven't received a letter or a refund check yet.. It's been over a month and I've heard or seen NOTHING! I've emailed and called and still NOTHING!

I don't know what to say to anyone except check out the company and go from there. This forum is full of opinions and some good/some bad. I've been mad at them for putting me on hold but then I'll call back and get someone nice. I don't know what to say. Let some one from the hess kennedy company explain why it is so hard to get a hold of them. Can someone do that for us?

The ACH network takes 60 days from the last payment to issue a refund. However, if anyone evere needs an immediate refund, go into your bank, and state that the transaction needs to be revoked. Do not say that it was unauthorized, simply revoke the transaction. If your bank gives you trouble, call us we will confirm that you need tohave the transaction revoked and you can have the particular transaction reversed.

I don't know what to say for anyone in the Hess Kennedy company. All I can is that you can call and I know the com. is large, but they will find some one to talk to you. Contact them as much as possible and stay on top of them. That is what they are there for. Call 24/7 if you need to and get some kind of answer. Come to this forum and spill your guts if you have too. I have one question for the Hess Kennedy person. Do they hire just people to come into these forums and monitor them for questions or how does that work? Please tell me?

We have someone that monitors the forum. We prefer actual contact though at the help deks: info(at)k]hesskennedylaw.com. This email is available for ANYONE who needs assistance or information.

I have been dealing with Hess Kennedy for the last ten years...this is my Second time with them. they do what they say they are going to do.....and it cost minimum from what you were debating on trying to pay back...along with this...they give you education, business knowledge,investments, and etc.....be open to a more international perspective. They have assisted me in business, represented in all legal matters. Hess Kennedy are my attorneys.

How come you have been with them for that many years? That must be some debt if you don't mind me saying so. How much debt have you used them for? Just to be curious. It would help to know there are other people using them for services like I am and knowing they do what they say they will do. I've read a lot of nasty things in here on them and just wanted to know how they run their business. I will say I do like the new answering system they have now. Please respond back and let us know how you've come to be with them so long

I think the problem here is that we all want a QUICK FIX...Our Debts to just go away. Hess Kennedy came along and offered that help and because you can't WAIT....YOU WANT IT TO HAPPEN NOW what took years of build up to get you there...You want a HESS KENNEDY MIRACLE...well it does not happen like that ...as far as your ACH accounts you have your bank statements as your receipt. I believe in them...I got my ass in this shit and I am working with HK not to get back into this mess again..which I call my golden turn around...I know I made a mistake with my debts and I am money managing right now...I think you all are COMPLAINERS...and SPENDERS...IF you will take a look at some of your mail sometime....it's mail about investing, saving, real estate....I don't have thousands of dollars...I make minimum but I am going to learn to be money smart and I am sticking with HESS KENNEDY and I am adopting them for all my LEGAL needs...So for the rest of you....Ask Yourself....ARE YOU BEING FAIR TO THEM....?

Well let me tell you one thing, you don't have to be so harsh to all of us. We know we all have DEBT!!! It's all around us you nut. Watch the langage in here because we are all in the same boat.I'm being fair to them I just want the same in return. IS THAT SO MUCH TO ASK FOR?? Ask yourself the same question DEZZ!!!

People please do not let the creditors put enmity between us. The pressure of debt is horrible, and it should not be. At the end of the day, focus on your short term goals of maintaining your housing, transportation, and utilities.

This to shall overcome. Do not fight amongst each other. I cannot comment on any other company, but I tell you staying focussed helps.

I think that all of us in here have so much going on with all the troubles we have that we are just screaming for someone to help us. Let's give credit due where it needs to go. This forum is for all of us to come and talk to help each other out. Be nice and play fair. One day at a time.

Well here we go again. I feel the people with hess kennedy are doing good. They come in here and take the time to write to the forum and try to take care of all the garbage in here. I'd like to know how the system works for hess kennedy? How many employees do they have? I've heard good/bad about them. Just give us some info on the company. It woule be good if they had more info on the internet about the com. to where we could come and ask questions and already have the F&Q there on the site. How about that? Sound good to you hess kennedy? Invest in it,. Let us know

i too am concerned that i made a mistake, how do
i go about cancelling with hess kennedy?

We are opening up new offices in Cook County, Illinois. We have over 200 employees. Anyone who needs additional information can contact the help desk: info(at)hesskennedycompany.com.

Kaybrock,
I don't know about that. Maybe you could call Hess Kennedy and tell them you want out. E-mail them or leave a message with someone that signed you up with the company. What are you scared about with them?

Could someone with the company(hess kennedy) come in here and tell if a client wants out what they need to do. From what I've seen you are entitled to a refund. Call them and find out.

Well Let me tell all who read this. I'm doing better by myself on my accounts then these guys are. They say they send letter to your creditors and than nothing from the other end. Beware to all who sigh up with them because they will get you in a fix and it will take you longer to get out then from when you signes up with them. Everytime I call I get put on hold, running my phone bill up and for nothing. Well Hess Kennedy thank you for nothing and I finally realized I can do more on my own then with you guys and still keep my money and have better odds at settling with my creditors than you do!!! Thanks for NOTHING!!!!!!!!!!!

i am on the verge of sighning a contract w/h k & c. i'm not hearing anything good about them. has anybody benefitted from their help?please let me know before i make a mistake.