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Has anyone dealt with Hess Kennedy & Company or Credicur

Date: Tue, 02/28/2006 - 15:26

Submitted by anonymous
on Tue, 02/28/2006 - 15:26

Posts: 202330 Credits: [Donate]

Total Replies: 414


Hey all,

I'm trying to do debt consolidation and have received offers to consolidate through "Hess Kennedy & Company" and "Credicure". Has anyone had any dealings with these companies? If so, how would you rank them? Thanks everyone.

Alex


I still give Hess a thumbs down!!!

I had my share of problems with revoking the monthly payments to them closing my account and keep all the money for their so call fees. I called them and told them that there was no work done on it and therefore they can't keep the total of 15% as stated in the original contract... so I thought it through and the best way was to let them finish settling the accounts I am being sued for and move the ones that aren't at that level of a SUMMONS...to superior debt services!

I speak to Teresa Cadiz at Superiors Debt Services and she will counsel you and help answer all your questions.. she helped me a lot and after many phone calls back and forth with her about Hess... just to have someone to talk to even though she really didn't have to do that for me because technically I wasn't signed up with her company...she did. she listens to me and advise me on what I can do about Hess, whether reporting to state attorney generals office or whatever it is. She give me a lot of advice and also told me why Hess' way of running their business is different than her company and she advise me on many ways to fight back at Hess if they don't give me the services I am paying for.

My best option was to stay with Hess instead of losing that 15% fee they wanted to keep and also the fact that I was being sued.. I left Hess with the trouble accounts and gave supierior debt services the ones that didn't get too serious yet.

Thank god they took me in even though my accounts where about 10 months overdue. They are really great!

I hope you all will consider them. You will find that they are a great company and will do what they say, even if they can't settle your account..they won't keep the 15% of the money like Hess does. They will just take $50 dollars as a processing fee.

They are honest and have a great system in how they settle your accounts for you.

If anyone is interested in giving them a call, you can call the person that set up my account. She is ABSOLUTELY great and knowledgable, nice, and just a great listener. You can tell her you got her number from Wai Chun Lee.-She'll know who I am.

Teresa Cadiz, CDA
Superior Debt Services, Inc.
teresa(at)superiordebt.com
Ph.(888)366-3414 ext 305


lrhall41

Submitted by on Sun, 06/03/2007 - 21:23

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I have dealt with HK on behalf of nmy mother and they have been wonderful. They worked with her and when they made a mistake costing her money, they reimbused her. I am getting ready to use them as well. I recommend them highly.

P.S. PH# 866-872-2262


lrhall41

Submitted by on Wed, 06/13/2007 - 00:49

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Hess Kennedy, although registered with the BBB ( anyone can register if they pay the fee ) has taken money from my checking account for over one year and HAS NOT PAID ONE SINGLE CREDIT CARD BILL with the money. Now they claim they are NOT a debt consolidation company.......so why take my money!!!


lrhall41

Submitted by on Wed, 06/13/2007 - 02:14

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Guest, you were told by Consumer credit counseling that they consolidate bills correct? Me too. CCCOA lied. When Hess Kennedy figured this out they contacted me immediately. I did not qualify for consolidation so Hess managed to negotiate 30% settlements with my two cards.


lrhall41

Submitted by on Wed, 06/13/2007 - 14:50

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I signed up with Hess Kennedy in July 2006 thinking my money was going toward the debt. They were taking 153.00 a month out of my bank account and the company that I have the debt with has not recieved anything from Hess/Kennedy to reflect they represent me. I feel I HAVE BEEN TAKEN!!! Can anyone advise me on what I need to do to begin the process of trying to get my money back? Trust me I have already stop payment through my bank. Any information on what I need to do would be helpful.


lrhall41

Submitted by on Wed, 06/20/2007 - 11:56

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Everything negative I have read about this company in the messages is absolutely true of my horrific experience. I signed up with them in Sept 2006; as of May 2007 not one of my creditors had received a single payment. Like many of you I signed up with CCCA and found suddenly that Hess Kennedy was handling my account. My credit cards were in reasonable standing and I was expecting them to stay that way -- I thought I was enrolled in a program that would arrange low monthly payments to my creditors. The next thing I knew I was enrolled in a settlement program and I only discovered when it was too late that Hess Kennedy's plan was to wait until all my credit cards charged off while taking $166 per month from my account. To make a long story short, all my credit cards charged off by March 2007 and my credit rating was a disaster. I could see that nothing was being done to pay my creditors as of May 2007, so I cancelled the contract with Hess Kennedy. Ever since cancellation on May 1st I've been given the run around by Hess Kennedy on my refund; at first I was told I'd get no refund because I'd only be entitled if I had cancelled the contract within the first 30 days of signing up. I told this person that was not true and that my contract said I could cancel at any time and get a refund (minus lawyers fees) within 60 days. I faxed them this page of my contract with a cover page demanding a refund. I then called them back to ask when I would be paid. They said in 2 weeks. May 15th I had no check so I called to find out why. They said the business office was handling it and I could expect a check by the end of the first week of June. No check by June 8th so I call them and they tell me my check went out a few days before; June 11th there is no check. I call them and asked the person I spoke with (Nicole Jennings) to check and confirm that the check was in the mail; she was off the line for a while then came back and confirmed the check was put in the mail on June 11th and that I should expect it in a few days. June 18th there is still no check. I call them and speak with Nicole Jennings; she refuses to acknowledge that she told me the check was in the mail on June 11th; instead she said they had 60 days as of the contract termination date to pay me, and told me that I had cancelled May 1st. I asked her why I had been told that my check was put in the mail June 11th if it wasn't true, and why they had lied to me? She simply said that my documents had been sent to the business office. I asked her if she remembered what she had told me about my check being in the mail on June 11th. She was evasive and refused to answer the questions. She became quiet and wasn't even attempting any further explanation of the situation. I told her that if I did not receive a check by June 30th I would take legal action against them. She said nothing and even seemed strangely unconcerned, as if my complaint simply didn????????t matter nor phase her. I hung up. My fear is that if they lied about a check being in the mail, they have absolutely no intention of sending me one by June 30th.

Anybody want to begin legal proceedings against Hess Kennedy / a class action lawsuit? There are many of us who have paid this company very large sums of money and no matter what they say it is clear they do not plan to pay our creditors or refund anyone. Do not listen to anyone who tries to tell you "they are just busy, just keep calling them, they will do the job", it is just not true. A genuine business does not have as many cases of fraud as have been reported here, and no one should deal with them. If you are contemplating it, take my word for it, and that of everyone else who has been duped -- KEEP AWAY FROM HESS KENNEDY -- they are a criminal organization swindling millions of dollars from people who are already in debt to creditors they have trouble paying. Please do not proceed if you have just started paying them, pull out and only work with a company that is a member of BBB.

Again, is anyone interested in filing a class action lawsuit? Let's start talking about this and help each other go bring this fraudulent company to justice before they swindle millions of other people the way they have swindled us. Let's put them out of business. They have destroyed my credit rating for the next 7 years; they deserve nothing else but to be driven out of business by the very people whom they have cheated and stolen money from. Please let's do something about this together, and not just air our grievances. Does any of you have info on how to go about a class action lawsuit?


lrhall41

Submitted by on Wed, 06/20/2007 - 21:35

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Don't use this company!! Big time crooks and they will be in jail soon


lrhall41

Submitted by on Thu, 06/21/2007 - 22:30

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I have been dealing with HessKennedy for awhile now and they have been very up front with me. They clearly told me that they weren't a debt consolidation Firm, but rather working to settle my debts for me. Unfortunately they do not do payday loans because with the success that they had with my other accounts, I know that would be taken care of too. I think HessKennedy is under new management because it has become much easier to get through, and I've been able to speak to one of their attorneys. They really helped me out of a bind, hopefully they can help you too.


lrhall41

Submitted by on Fri, 06/22/2007 - 07:26

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anyone dealing with hess and kennedy, don't walk...run

not only did they not pay off my debt as agreed, but also stole thousands of dollars from me before i finally closed my bank account...didnt do as much research as i needed to and regretted it afterwards when i saw all the negative complaints filed against them...


lrhall41

Submitted by on Wed, 06/27/2007 - 13:17

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Please, Please, PLEASE get out as soon as you can. I'd like to hear from the person who filed with the attorney general. I've been told the FTC and FBI. This company is a TOTAL fraud. They refuse to return my money. I had to put two pets to sleep, give one away, selling my house. I can't sleep, have an ulcer, terrible credit and Hess & Kennedy don't give a shit!!!!! I even sent them pictures of the pets I had to put down or give away - not an ounce of compassion - they will just take you for all the money you give them and give nothing back. :x


lrhall41

Submitted by on Wed, 06/27/2007 - 14:46

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Don't bother with these people. You are already having financial problems. Call your creditor and workout a payment plan, it's the best and most honorable way of handling the situation. Your creditors will work with you! When I spoke with mine they said they understood people are having hard times right now.
Hess Kennedy & Ass. and Campos Chartered are one in the same... one learned the scam from the other.


lrhall41

Submitted by on Wed, 07/11/2007 - 08:19

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I just want someone to know that Hess Kennedy told me that if I decided to change my mind on going through them that all I would have to do is write a letter, So I did to an address they gave me that didn't even exist. Help how can I get my money back?


lrhall41

Submitted by on Wed, 07/11/2007 - 18:05

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I got scammed from these people also!!
8 months ago my wife got a pay cut and we couldn't keep up with the bills so we thought debt consolidation was the only way out.
I went on the internet and rushed into the first thing i ran across , I forget who it was butthey directed me through HK. They asked me how much I could afford a month ( that should've been my first clue )To make a real long story short I've been through everything that I've read on here.
I had to make 2 first payments of $1100 then $610 a month there after, the first 2 payments are their lawyer fees and $220 of the $610 for the first 15 payments are theirs also. I had a citi bank card I owed $2800 or $50 a month, they come back and said they settled out for me for $3200 or $160 a month with interest still accuring, I flipped out and asked this is what I'm paying for??
That's just the begining, but last week I closed my bank account and sent them a letter stating I want my money back or I'll see them in court, but after seeing all these blogs I might be out a lot of money by the looks of things.


lrhall41

Submitted by on Tue, 07/17/2007 - 20:59

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Algolf, my credit counselor told me i was in a credit consolidation plan with Hess Kennedy. It was the credit counselor that lied, not Hess Kennedy.

I called them and got the correct address. I sent the letter to my credit counselor for a refund and they tossed it.


lrhall41

Submitted by on Wed, 07/18/2007 - 03:50

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Hess Kennedy is a law firm that specializes in handling credit counseling claims and debt negtiation claims. The 2 founders of the law firm are Laura Hess and Edward Kennedy (formely known as Edward Cherry). I am a former employee of a company called "The Credit Exchange" and I can tell you that my manager would push me to know end on placing debt burden consumers into a settlement/reduction program because the commission was higher and the company made more money. The owner of "The Credit Exchange" is Steve Vanderhoof and to say the least he is a very egotistical person who only cares about his pockets....so does hit puppett Joshua Dryman (he hired me). I am glad that I got out of that office it was very stressful. The programs we offered are complete scams. Hess Kennedy came into the picture, along with another outfit called ESS (Not sure what that stands for, I believe Enhanced Solutions). ESS is located in Tampa or Orlando FL. I can't remember which one, but everytime a client was not getting a call back I would refer it to our in house customer service rep Travis Whiteside. He would do his best and I feel really bad for the poor kid as he would get hundreds of calls a day.

So once in a while I would call the ESS customer service department and get hung up on or placed on hold myself. All I wanted to do was find out what was going on with clients I enrolled. They have a manager over there who's name is Anthony and he is very rude ignorant person not only with me but even some of the managers at the credit exchange. I can only imagine what he was saying to customers on the phone. The other person who I spoke with is Kristen or Sharon.

The bottom line is that all of these companies are cheating thousands if not millions of dollars a month out of customers bank accounts. Hess Kennedy would periodically visit our office in California to more or less just go over how much they can continue to offer. The ownders of Hess Kennedy, ESS and Mr. Vanderhoof will be dealing with the Attorney Generals office and FBI very very soon. They will not last!


lrhall41

Submitted by on Wed, 07/18/2007 - 13:41

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The Attorney General has an open investigation on Hess Kennedy, Enhanced Servicing Solutions, Consumer credit counseling of America, Creidicur & The Credit Exchange. Any information you have contact:

Florida Attorney General @ 1-866-966-7226 I spoke with Bill McCollum. They are in the process of working with other investigation groups on this. They are also aware of the complaints on this message board and ripoffreport.com concerning: Laura Hess, Edward Kennedy a.k.a Edward Cherry (Attorneys-Directors Hess Kennedy & Company, ICN Corp & Ibill.com) Thomas Roland(President-Enhanced Servicing Solutions & Elimidebt Management Systems) Steven Vanderhoof (The Credit Exchange) Nick Sybodksi (Credit Counselors of America)


lrhall41

Submitted by on Wed, 07/18/2007 - 16:02

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I'm further in debt now then before I started with them!!
I've just got scammed out of $4000, I could've paid off 2 creditors with the money I gave them!!


lrhall41

Submitted by on Wed, 07/18/2007 - 20:40

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Wish I had googled H/K six months ago, before they got more than $2000 from me without doing anything for me. I just emailed them a complaint the other day about creditors still calling me, they did immediately respond, but I think that was because I threatened to instruct my bank to not make automatic payments to them anymore if they didn't. I am going to paste their reply in this space, would appreciate any feedback as to whether it is similiar to what they told you. Here it is ---

First and foremost, if a credit is calling you it is a violation of the fair credit billing act. More than likely it is a debt collector calling you, and we need to know. However, I must make sure that you have followed the instructions of your attorneys and done the following:

1. Change your legal billing address to our corporate address: This enables us to monitor unlawful billing practices.

2. Maintain a collection activity log: This enables us to memorialize unlawful collection activity by creditors and debt collectors.

3. Forward any letters you receive from a creditor, debt collector, or attorney.

If you have done all 3, and you have been called by a debt collector, you must document their activity. This is the only way that we can sue them for violating federal law. Please take the time to read the attached. I assure you that all of your creditors have been contacted and it is a common tactic to lie to you in order to convince you that a payment needs to be made.

Identify any debt collector that is telling you we have not contacted them and we will immediately file a lawsuit against them.

Does that look like what they told all you folks who have complaints? And if so, did you do all that and still have problems? The reason I am asking is because they have gotten an agreement from one of my creditors, and are making monthly payments to them, but the payments are only half of what they are taking out of my bank account, seems like they are taking a lot of money for "administrative costs". I would hate to bail on a program that would have gotten me out of debt, but I would hate even more to give a bunch of money to H/K and not have anything done when I could have been giving that money to my creditors and at least reducing the amount I owe a little bit.


lrhall41

Submitted by on Fri, 07/20/2007 - 13:52

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A friend spoke to a Hess Kennedy rep who told them their program is better than debt settlement because they actually sue the creditor for extending too much credit to the consumer. Has anyone ever heard of this approach to debt management?


lrhall41

Submitted by on Mon, 07/23/2007 - 10:21

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Before you enter into a contract with HKA make sure you consult an attorney.

Your credit will be affected regardless of what they may verbally tell you. Why? Because they ask you to contribute at least for 6 months a certain amount which they will use to negotiate with creditors that want to enter in the arrangement they offer.

THey negotiate one creditor at a time and if there is not enough money in the fund they are supposed to be holding for you (minus their monthly fee) they will not be able to negotiate at all.

They do not try to re-organiza your bills and have the creditors agree to accept a limited amount each month. What they do is negotiate with each creditor separately to pay a reduced amount, a lump sum, to one creditor at a time.

Your credit will be invariable destroyed in this process and they tell you in the contract that they can't prevent this from happening.

At the end you will have to run to a lawyer anyway to have a reorganization of your bills under the Bankruptcy laws.

KHA is not a good deal.


lrhall41

Submitted by on Mon, 07/23/2007 - 10:39

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I have been reading these blogs for quite some time and have kept my mouth shut. I work on the inside of the largest referral partner that Hess Kennedy has and our comepany has referred in excess of 20,000 customers to Hess Kennedy. Let me set the record straight. They are NOT a scam. Be real!! How long do you think the FTC would allow something like this to continue if it were a scam? For anyone reading these it is important that you consider the source. MOST of the posts written here are competitors of Hess Kennedy. credit counseling and debt settlement services have become an industry wide standard and the process is quite systematic. So one company verses another won't change the outcome that much. Personally I believe creditors and/or collection agendies are far more apt to respond more favorable to a person represented by counsel. Your choice, either way, Hess Kennedy is not raping and pillaging America. Please.......


lrhall41

Submitted by slvrtngd on Mon, 07/23/2007 - 21:37

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slvrtngd: You work on the inside of the largest referral partner that Hess Kennedy has? What is your company name, you should have nothing to hide if you have referred more than 20,000 customers?? Also is there a contact we can speak with at your company such as yourself to get some clear answers for most of the consumers who have been ripped off? Thanks


lrhall41

Submitted by on Tue, 07/24/2007 - 09:15

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stay away from H/K, Ive been with them for over 6 months and lost alot of money, they don't return phone calls, look up the BBB and you will see over 90 complaints most companies dont have any!!
I had a credit card at $2800 and was paying $50 a month, they settled out for me for $3200 or $160 a month with interest still accuring, I told them no I don't agree and they said oh well then we'll take them out of the plan and you will have to take care of it yourself. That's what I'm paying for??
In the mean time they put a lein on my house and there's nothing Hess can do, then i had one they said they settled for $1600, great 1 more payment and we'll pay them next month goes by i call did you pay them, oh no they changed their mind they wont take it!! ya right , that's when i closed my account and started reading these blogs, shouldve read these first!!


lrhall41

Submitted by on Tue, 07/24/2007 - 23:44

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Anyone having problems with this firm should contact the following agencies for assistance if they are getting no assistance in resolving complaints with firm.

1.http://myfloridalegal.com/ Florida Attorney General
2. www.floridabar.org The Florida Bar Association Attorney to file complaint against is Laura Hess from Hess & Kennedy.
3. www.bbb.org Better Business Bureau


lrhall41

Submitted by cajunbulldog on Wed, 07/25/2007 - 06:14

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Algolf is a liar. Unless a client authorizes a settlement in excess of 40%, Hess Kennedy does not settle for less than 40%.

Scan your settlement documents Algof and post them.

Also, Cajun, if you are being compensated from this forum and convincing people to file false complaints with those bureaus, you are going to get sued as will the owneroperator of this website, as will the law firm that the owner/oeprator of this website owns "OAK LAW FIRM"


lrhall41

Submitted by on Thu, 07/26/2007 - 04:45

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Sorry, for more than 40% of the outstanding balance. If anyone has a customer service issue, that is fine, but do not use a forum that is holding itself out as a non-profit ".org" then compensates people "points" for posting messages, monitors the board (taking away the safe harbor a true interactive message board without monitoring has under the telecommunications act"), bans posters who post negative info about Vikas the boards owner, sells leads generated from the website, and then allows all negative info without verification to post anything they want is unfair competition. You had better clean up your act.

* Changes made as per TOS.


lrhall41

Submitted by on Thu, 07/26/2007 - 04:48

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I wish the owners, affiliates and attorneys of Hess Kennedy would speak up on this forum. Again as a former employee of The Credit Exchange I would like to hear what Edward Kennedy (a.k.a.) Cherry has to say? Or what Laura Hess has to say? Or what Steve Vanderhoof has to say? Or what Thomas Roland has to say? All of these names are the owners/attorneys that make the major decisions of how their business model works.

If in fact the owner of this forum owns a debt management Company then I believe that some explaining also needs told.


lrhall41

Submitted by on Thu, 07/26/2007 - 11:25

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You should not smear your ex employee. The Credit Exchange is a BBB member and you have no one on one experience with Hess Kennedy or ESS.


lrhall41

Submitted by on Thu, 07/26/2007 - 12:47

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When are you people gonna learn that this is a privately funded board and since that is a well known public fact,no first amendment rights exist(only for government). I do not touch anyone's posts if they obey the rules here and we have not hidden from anyone who owns this board.That is a public fact verifiable with the Nevada secretary of state and a whois search. If you have any legitimate complaints let me,one of the moderators,or admin know about it please.Lastly posters are banned very rarely here so if a person was banned admin would have a record of it showing the rule violation and the attempted mediation of the topic.


lrhall41

Submitted by cajunbulldog on Thu, 07/26/2007 - 13:17

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why are you using my log on name instead of your own to debate what I'm saying? that doesn't give you much credibillity!!
I'm just telling you my experiance with them and how much money I'm out and would hate to see somebody else go through the same thing.
Just check the BBB before going with them, there are other companies out there that charge less than half what they charge for start up fee's and expenses and if i checked into that first i wouldve never went with them. In the 8 months I was with them the only time they ever called my house is when I stopped paying them, I sent them a registered letter 3 weeks ago asking for a refund and of course no phone call and I haven't heard one good thing about them on any of these sites, just check the BBB and that says it all.


lrhall41

Submitted by on Thu, 07/26/2007 - 15:08

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I just started with H/K and was pleased when the credit company that referred me transferred me through to H/K immediately. Let me tell you, this forum made me nervous. But I spoke with a lady from H/K who informed me that i would be receiving all of the paperwork this week which i should fill out and return to them. One of my major concerns had been the people who said their creditors were never contacted, but when i asked about that, she told me that i would receive the letters to mail to the creditors myself. Comments?


lrhall41

Submitted by on Mon, 07/30/2007 - 09:41

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shannna1, trust me be very careful, I thought I was doing the right thing also and no other way out.
But don't say i didn't worn you when you start calling and not talking to the same person and when they never return a phone call when you tell them to call you back!
And when they charge you outrages fee's, look into other options before giving them all your money, check the BBB for yourself.


lrhall41

Submitted by on Mon, 07/30/2007 - 14:42

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I signed up with Hess Kennedy last May 2006. The short of it is this. They did nothing! My counselor was a third party operator...who had quit! My creditors were never contacted. My husband and I went to the bank and stopped payments. We got a second mortage and paid off my creditors. I have tried since then to get a refund to no avail. I have read where they have responded.....it's all a lie. They will not repsond to my request. I have been put of hold for over 30 minutes. (They know you will hang up). I have written and emailed. So I challenge HessKennedy Co. to come on line HERE in public and tell me why you refuse to give me my money back! I thought you had a 100% customer satisfaction. If HessKennedy does respond and I get my refund, I PLEDGE To post it here.


lrhall41

Submitted by on Tue, 07/31/2007 - 19:55

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If your in a debt settlement program you just have to hang in there until you accumulte enough money to settle. The problem with everyone that cant pay there debts thinks that the world is going to be all rosey now that your setting up to pay less than what you owe inwhich your creditors are not in agreement with. If it was that painless or easy to rip off the credit card people everyone would do it. Its a program of last resort that will work if you stick it out . So quit your no bill paying crying and whimpering.


lrhall41

Submitted by on Wed, 08/01/2007 - 18:14

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I thought they would help me get out of debt. At least that is what I was told by the advisor. I am 76 and live alone on a fixed income. I am now further behind and cannot afford my meds this month. They will not refund my money. I don't know what to do. Someone please help. I tried calling the Better Business Bureau and they said they can only send me paperwork. I just need money for my health and I feel very sad and lonely.


lrhall41

Submitted by on Thu, 08/02/2007 - 00:35

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Aut-Brit - Hess Kennedy owns E-limidebt? E-limidebt have a good record with BBB, so what is up with that. I sure as heck do not want to jump back into the fire after getting burned by HK. It took me almost 6 months to get my money back from them. Any info on E-limidebt is much appreciated, as I know I along with a few others on here have considered using them.


lrhall41

Submitted by Tiffany99 on Fri, 08/03/2007 - 08:52

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When I find out that a client cancelled with Hess Kennedy I call their homes and work about 100 times per week.

Yes, everyone should not hire a lawyer when dealing with credit card debt. Go it yourselves.

I made a little over $4000 this month collecting debt from you deadbeats.

When I collect from an account not with a law firm, I get 80% easy.


lrhall41

Submitted by on Sun, 08/05/2007 - 11:01

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