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Is credit solutions affiliated with debtxs?

Date: Thu, 07/20/2006 - 19:41

Submitted by anonymous
on Thu, 07/20/2006 - 19:41

Posts: 202330 Credits: [Donate]

Total Replies: 301


I've done tons of personal research as to how I am going to reconcile $50,000 of unsecured CC debt (Citibank, Chase, and United Mileage Plus). I have been enrolled with Credit Solutions of America for the past 3 months and am sooo dissatisfied with their help that I want to get all my money back from them. I have contacted Mezey & Associates which is a Law firm that negotiates debt settlement. Has anyone heard of them? Unlike, Credit Solutions, they seem to have better leverage in negotiating debt with the large creditors and will set up a Trust Fund account towards my debt settlement. Plus, they're certified lawyers who are professional negotiators and not some trained negotiator who knows a little law. I guess, I'm inclined to trust their opinion a lot more. But since the fiasco with Credit Solutions, I want to know what retaining an actual private lawyer will be able to do for me in relation to my debt. Basically, what can hiring a private lawyer for a flat fee do for me in comparison to a debt settlement law firm?


First of all number one... A summons was already placed before you came to mezey and associates. You idiots put yourself in so much debt you want to place the blame on the company. If you had retained a lawyer you would have paid a lot more. Plus you feel because you retain mezey and associates that we are suppose to make the balance you owe poof into thin air... When we do negotiate and get a good settlement from a summons.. You losers don't have a dime to pay the settlement and make us look stupid and the negotiating of a summons was waste of time.. We should be sueing you for making us look stupid. You ruined our reputation by being and utter complete looser for not paying your bill for one and two for believing that we can make your balance go away and you never have to pay your bill. Pay your damn bill.


lrhall41

Submitted by on Tue, 05/08/2007 - 20:34

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Credit Solutions promised to call once per month to update me...they never called once. They promised to get payoffs of credit card debts for 40-60% of balances, but, they pushed the fact that most are getting it done for 40% They didn't tell me that the balances rise exponentially at the same time CS is counseling me to wait longer before CS engages in negotiations.

At the same time they are collecting money monthly from my account. The longer they wait, the higher the cc balances, and the more money CS puts in their pocket....; great for CS and a rip off to me. After finally getting through to someone after 9 months, that someone (you never talk to anyone twice!) made me do a "hurry up" settlement with one creditor which was 60% of the original debt. This is when I stopped payment ($35 bank charge). The bank tells me that the only way I can take away the power of attorney that CS demanded is to close the account! CS obviously did not offer to apply any of the money they had collected from me towards this settlement.

I contacted an attorney at that point and he advised me to "pull the plug" on them. The contracted CS promise was that half the monthly money would go towards their service fees and half would go towards the debt payoffs.... Yeah,...right!.... I feel so stupid! Now their accounting department does not return my calls....Meanwhile, the 5 or so other credit card companies have turned my accounts over to collection agents who are getting judgements against me here in Florida.... Fortunately, I have no wages or assets they can attach, but I pity the poor folks who do, because these judgements will have teeth in them, while all the cash they have that might be available to the debt collectors is in the pockets of CS! The Scam is that CS can only prey on people who do not have any way out of the debt spiral; those who are unlikely to have funds interesting to accomplished attorneys (the ones who always win are expensive)

Well,... I can do it....So this is what I have in store for them: I am talking to a well known fraud attorney and personal friend in Austin, Texas in that State's Capitol, as well as my attorney here in Florida. The attorneys are talking to each other. A class action suit is being researched. The Attorney Generals of the US, the State of Texas, and the State of Florida are being informed via formal complaints next week. A formal complaint will be made on a personal level to a high level fiqure in the Federal Trade Commission.

And finally, CS can expect some unannounced "visitors" to their office who are experts in "debt consolidation" matters..... 'Ever seen the Texas government roadside signs that warn, "Don't Mess With Texas"? Well,....they might be changing them to: "Don't Mess With Marty"...... Stay tuned.

Also, I have managed to collect several names of employees who have contacted me from CS over the last year. A follow up message in this forum will include those names if permitted . All those who made unkept promises need to take responsibility for damages to me as well in my book.


lrhall41

Submitted by on Tue, 05/08/2007 - 21:13

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I have read what others here have writen about Credit Solutions and sadly I too think it is true. Sadly for me I did not get out early like others. I wish I would have found this page a long long time ago

I have been with them for over a year and have payed them thousands of dollars. I have settled only one of my five accounts at a decent amount. It was settled at about 50%. I settled another but it was nearly 90% and it was only because I pushed them to settle the account for me. I am now starting to pay off another account which they say I am settling for around 60% but it is really about 80% of what I owed when I started at credit solutions.

I still have two outstanding accounts and one is large and growing all the time. I had the chance to settle it at 50%, but they wanted it all in one payment and within like a week so I could not do it. Now that account is at 80% in two payments which I cant pay either. The settlement person told me that she knew this would happen and that she said I should have payed it at 50%.

I think they think I have tons of cash hiden in the mattress or something because they call with these "great deals" and think I should be happy to put out 4 months income in one day.

Another issue I have that has been reported here is that you talk to someone different every time and they are all calling you even though you wanted to settle one account and hold off on the one they want to settle. Its not possible to settle them all at once, but they dont understand that. I will probably only settle one account for 50% or less, the rest will be around 80% or higher. They promised at first 40 to 60% but they sure are not coming through. They also said it could be payed off over 4 years, but a little over a year now and Im getting threats to go to court already. I feel lied to and have no ideal how to get out of this.

Someone stated that some states dont allow this kind of operation? Which ones, I hope I live in one so I can sue them. I would love to get my money back that they have not earned.

Also someone here is a former employee of them. Is it true that the major credit cards do not let you settle over longer periods of time, but want it all in a few payments? That is what I get told all the time.

I feel ripped off and would love suggestions from anyone here on how to deal with this (in a legal manor of course). Will the creditors still deal with me after going so long without paying them? Thanks.


lrhall41

Submitted by on Tue, 05/08/2007 - 21:19

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Credit Solutions Of America and it's affiliates are all rip offs. I wanted to add my warning about anyone thinking of doing business with or going to work with this company- BEWARE! The have 3 locations in the Dallas area with a new addition called lending.com.

If you are looking for a place with one of the highest rates of attrition, meetings where you can hear every cuss word under the sun, be threatened weekly about your job and wonder who the manager would like to sleep with next- then be my guest.They highly encourage you to spend most of your life there too- because you are told that it is the best job in the world! Why is it the best job?? Money, money, money! Watch out- after the client gets fed up with not being able to reach the departments that are to be working on their accounts and find out that there are several credit card companies that do not work with settlement companies or that the client's state does not even participate in debt settlement- they cancel!


lrhall41

Submitted by on Tue, 05/08/2007 - 21:24

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Credit Solutions promised to eliminate our debt, by reducing balances to 40%, and letting our balances "age" in the meantime while building up a balance to pay of the protion of debt that would remain.

This is a direct quote from one of their emails: "At the beginning of your program we contact your creditors. After they have been contacted, we allow your account to age. This aging period consist of non-payment to the creditor. This shifts the leverage from the creditor to you, the client. During this aging period, you are to save as much as possible whenever possible, as this will help you get out of debt sooner."

They AGED our accounts into collections and arbitration!!
My wife spent an average 4-5 hours a week on the phone trying to prod them along to resolve our debt. after 3 months and only one settlement for the original balance of the debt, we finally severed ties with them after paying almost $2000 in fees.

Do not use this company, contact a local credit counseling agency and let them help. At least they were honest!

John
East Peoria, Illinois
U.S.A.


lrhall41

Submitted by on Tue, 05/08/2007 - 22:27

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My friend referred me to Mezey & Associates and couldn't be happier. We can finally sleep at night! It's been only 8 months now and we had our first card settled for less then half of what we owed. So, I'm real glad we decided to take the plunge.

We spent a lot of time researching all the options and procrastinated for a year, before we had little choice. Most ads have all kinds of promises but looking further were not really all that legit. A lawyer on the other hand has to comply with higher standards. One company suggested we use our remaining balance to pay their initial fees upfront and keep that card out of their program. That didn't sound ethical to me so I never called them back.

So, I'd suggest anyone with a debt problem seek an attorneys advice first and last.


lrhall41

Submitted by on Tue, 05/08/2007 - 22:43

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to mezay employee,if we paid our debts you wouldnt be in business,which is by the way a profit maker at 15%,your company saids that if you go to court i would be represented,will if i send my payment to you you take your fee im going to get a judgement because i didnt pay my credit cards i paid you,that makes us a loser alright,one all ways ,after 120 days that its takes to pay part of your fee,youstart putting my money in a trust account,that inly you have access to,please tell me why that is ,you even chanded your web site takind accoun log in away,please answer this loser these questions,if you nothing to hide.anyone is gets into credit card debt isnt aloser they will be if they trust mezey


lrhall41

Submitted by on Wed, 05/09/2007 - 05:53

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Please keep in mind that this is an open forum. So some of these posts may be competitors, or are disgruntled ex-employees pretending to be clients, not necessarily who they say they are. Many of these posts are from the same originating server, even though they use different names, so are actually bogus, or deliberately sending multiple messages under the pretense they are different people. The few complaints are all from the same handful of forum members. Most of the similar complaints are from the same originating server.

Also, many companies have 100's to 1,000's of complaints, and they are the ones that get the attention of the regulatory agencies. Companies with a handful of complaints with 1,000's of clients are actually rare, and should be commended.

So, realize in an open forum what your reading may not be legitimate.


lrhall41

Submitted by on Wed, 05/09/2007 - 09:10

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I'm real pleased with Mezey too. I can only encourage others to hang in there and not to listen to the few negative clients who blame everyone else for the problems they created for themselves. Hang in there and see it through and they will dig you out of the hole you got yourself in.


lrhall41

Submitted by on Wed, 05/09/2007 - 12:44

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I'd recommend Mezey & Associates as well. I was embarrassed to admit that I couldn't manage my own debts and too proud to declare bankruptcy. I didn't know of any other way out of the maze, until a co-worker suggested I call them.

We were overwhelmed with bills, a hospitalization, a car finally gave in. Then we missed a couple mortgage payments and were afraid we'd lose our home. So we really were at our wits end. I called them and thought I'd see if they could help us. I was really surprised that they could work within our budget. Other companies told me they wanted twice as much monthly. I told them that if I could afford those monthly fees I could pay my credit cards.

We settled two cards so far and just finally able to refinance our house. So, I am real grateful.


lrhall41

Submitted by on Fri, 05/11/2007 - 01:35

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I work for a debt settlement Co. and I just ran the numbers for 50K worth of debt for a lady in NY. 50k can be paid in 37 mothns for 850 a month with a debt settlement, or she can opt to get a seconcd on her home (she did not qualify for) and have apayment of $1400 for the same term at 9.5%, or she can file for a BK as a last resort.

The program works for people who understand that they have to complete it. If you can afford the payments don't start the program, its that simple.

User name has been edited to remove commercial or other web site affiliation - LCW


lrhall41

Submitted by on Fri, 05/11/2007 - 11:40

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I believe all debt settlement companies get an F rating (it is the industry in general)not necessairlly
the particular company.


lrhall41

Submitted by on Fri, 05/11/2007 - 17:32

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I did a lot of research before choosing Mezey and found they had less then 1 in 1,000 client complaints and were given a low rating by the BBB nonetheless. I called the BBB and they said they had seen some debt settlement companies shut down, and therefore rated the industry not the company. Further they grouped law firms with bankruptcy alternatives in the same category as unregulated, unlicensed, unbonded and uninsured companies, even though as lawyers they have to have such and are held to a higher standard.

When asked about the low level of complaints the BBB did say that it was remarkable considering they handle debt distressed clients. And, the companies that were closed down had 1,000's of complaints. Nonetheless, they decided to label all debt relief firms as risky.

Furthermore, I discovered numerous complaints and a ripoff report about the same BBB office, wherein the complaints said the BBB used strong arm tactics to enroll businesses as members, stating as a member they could avail themselves of the BBB's arbitration services and in so doing avoid all complaints. I also found their largest member sponsors were banks, that had no complaints whatsoever! That seemed real suspicious to me.

I took the plunge and have had months of relief. Now I don't bother looking at a BBB report on any business. I just don't trust their rigged reports.


lrhall41

Submitted by on Fri, 05/11/2007 - 21:38

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I was with NDC starting Jan of 2006 for 8 credit cards. The first few months were used to pay their fees, and finally I started to pay into the "reserve" their tracking system was horrible and their customer service was always responsive but usually unclear of what was happening. This was a bit disappointing. However in November of 2006 they settled one of my debts of $7000 for $4000. This gave me some reassurance (Though when tax time came i had to pay taxes on the "3000" dollar difference because the credit card company filled a 1099 Misc on me.) Come Feb of 2007 NDC sold my account to Mezey and Associates. My reserve seemed to transfer OK and I was making payments to them now. But after reading this thread I am unsure if I should continue with them or just file for bankrupcy. Like others, I have been getting notices on all my accounts... though the calls have stopped :). I called the Customer Support about it and I get relatively friendly people that also seemed lost. They take forever to find my file and when they do they seem pretty lost as I fax them every piece of paperwork I get from them. i doubt they do anything with any of it. I am considering bankrupcy now though the older program I was on remove a debt...

Any suggestions from someone in the same situation?


lrhall41

Submitted by on Wed, 06/06/2007 - 20:13

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If you wish to have a Good Settlement company go with SupiorDept Services out of Colorado. I was with Mezey and either one is going to do the same thing for you, but you will spend less with this one. Plus they are part of BBB and Mezey gets a F with the BBB. I do not know about you , but that means a lot! Learn from others misfortune and use a good company!!


lrhall41

Submitted by on Thu, 06/21/2007 - 06:55

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I have paid over $8,000 into Mezzy over the past 1.5 years and haven't accomplished much. Their customer sercvice is terrible, very rude..it is crazy. If you get mad enough they give you to this "Manager" named Scott who is either very stupid or actually believes his own bs. Don't be fooled. They don't protect you at all. I have summons' and lawyer's crawling all over me/ I have had a bank levied against me from a law firm. I sent Mezey the summons I receiced 6 months ago and thought they would handle it or let me know what I need to do. They did neither. I woke up one morning and had $1,100 missing from my account. Lawyers can take it right from you account...and if you change it they will find you again!!! Mezey now says they didn't get my email or letter and it is not their job to warn their clients when a collection is commin against us. It is our own jobs to watch for things like that.

So what does Mezey do for us they we can't do for ourself???? That's a good question. I was curious and started calling some of creditors to see what they would settle for...right off the bat a couple of them were ready to settle with me over the phone for 50% or less.

I am going to look over my contract very carefully again and see what I might have against them in regards to a law suit...Let me know if there is anyone else out there in the same situation.


lrhall41

Submitted by on Thu, 06/21/2007 - 10:55

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We were simply looking for another page to Mezey and Assoc. when suddlenly we, low and behold, stumbled across this web site and what did we find, a lot of pros and cons. Now...hmm...What were we looking for? I think I'm more confused now than two hours ago. Will the real Mezy and Assoc. please stand up and give us your input or do we have to play hide and seek? Let's evaluate this: 1)Why is it all the positive short comments suddenly stopped once it was commented on the fact that they were short and probably comming from Mezey themselves? 2)My real big concern is, Why is the account information not accessible? 3)Where has "Hatton" gone to? We are really interested in reading more of your blogs. 4) If this is not ligit, is there still anyone considering to put together a class action law suit?

As a concluding thought, even with all the ups and downs of the questionable acts, I am going to go ahead and sleep tonight peacefully with not another thought of this long, I mean very long, confusing forum.


lrhall41

Submitted by on Thu, 06/21/2007 - 23:14

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I finally got my refund from my reserve account from mezey it was short(26.00)When I join the mezey group in 8/06/06 I was 36,000.00 in debt. I believed the lies from mezey and was told that I would pay around 22,000.00 with fees included and be out of debt in 36 to 48 months. Like all the other posts theses are not lies but the God's truth. I sent extra payments over the next eight months 8/06 - 3/07 totaling 6000.00,3000.00 and 6000.00 and they also were taking 510.00 out of my checking each month. 8 x 510.00 = 4080.00. totaling 19,080.00. out of the four debts that I turn over to them they settled two. a 9000.00 for 5735.00 and a 8900.00 for 5400.00 and also took out their fees of 5100.00. I then asked why were theses debts settled for higher rates then what they PROMISE me. I still had debts from two other accounts THAT I SETTLED MYSELF totaling 25,500.00 and then relized that theses people were a bunch of liars. So when it was all over with I paid 31,000.00 to settled 36,000.00. I could have just paid the credit cards with the money and left myself 5000.00 in debt. Now I just find out that I will be paying taxes on the rest. Somthing no one never told me that would come out of this debt settlement program. THIS HAS BEEN ONE NIGHTMARE THAT I WANT TO FORGET. I AM OUT OF DEBT AND MOVING ON WITH MY LIFE. MY EXPERIENCE WITH MEZEY AND ASSOCIATES IS TO STAY FAR AWAY. DEAL WITH THE CREDIT CARD COMPANYS YOURSELF OR FIND SOMEONE WITH A HIGH CREDIT RATING. GOOD LUCK AND GOD BLESS......


lrhall41

Submitted by on Mon, 06/25/2007 - 11:40

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I have been with them for a little over a year and they have done nothing for me except take $6450.00 of my money and now I have 2 judgements against me, one of which is taking me to court to attach my wages. I will more than likely have a 3rd and I have contacted them and they have not yet replied. They pride themselves on being there to help and that you should contact them right away whenever they call you etc... I have sent 2 e-mails in 3 days and have not gotten a reply. Also, they changed servicing centers so they now handle everything themselkves, but they don't inform you of new e-mail addresses or telephone numbers. To be perfectly honest, I don't even think the "lawyer", Michael S. that I originally spoke with is even there anymore and if he is, he has never contacted me since our initial conversation. I am trying to figure out how to get my money back for breach of contract.


lrhall41

Submitted by on Mon, 06/25/2007 - 17:12

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Why would you not check out a company very closely before handing over thousands of dollars?? Especially deep in debt and trying to get free??? I went to the NFCC and researched several places before decising on one...they charge me $25.00 a month for paperwork and that's it. I have not had any issues...or there are recommendations on this site also...far better choices.


lrhall41

Submitted by Morningstarr430 on Mon, 06/25/2007 - 17:32

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You didn't mention that when you negotiated yourself that you would have to come up with the settlement money in 15 days or less! thats what happens when you try to do this yourself.


lrhall41

Submitted by on Tue, 06/26/2007 - 12:54

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When i negotiate with bank of america i paid them off in 45 days. I could of worked out agreement with them to make monthly payment for 18 months. That's after they agree to settle at 50% of the debt. Anymore questions.i don't know what you are talking about 15 days.......


lrhall41

Submitted by on Tue, 06/26/2007 - 18:56

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please let me know more details on the class action suit against Mezey. I am cancelling them and moving to a credit counseling program before I get taken to court... and would love to put them in their place as well as get some of my money back and put the stress they have caused me back to them!


lrhall41

Submitted by on Fri, 06/29/2007 - 10:03

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please let me know more details on the class action suit against Mezey. I am cancelling them and moving to a credit counseling program before I get taken to court... and would love to put them in their place as well as get some of my money back and put the stress they have caused me back to them!


lrhall41

Submitted by on Fri, 06/29/2007 - 10:05

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Recently Mezey has been terminated from my account. I am interested in a class action law suit in Texas. Also, this is a recent email sent to CNN to let them know what is occuring:
I believe you should be aware of a company who advertised on CNN money by the name of Mezey & Associates, (yourdebtlawyer.com). They presently have a class action suit gathering toward them for not being legitimate in the practicing of their retainer agreement. They give false and misleading information. It's understandable the original debt was incurred by the responsible party - but the exorbitant interest rates of banks on credit cards - make it near impossible to pay off debts which may be incurred by necessity. I am not as indebt as some are, but a company who presents themselves to have a working knowledge of law and the consumer rights should perform accordingly.
Hattan thanks for your reply. - Please keep in touch with the updates.


lrhall41

Submitted by on Sat, 06/30/2007 - 12:44

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Mezeysucks,

Can you post the name of your lawyer and possibly a contact number. I'd like to see if they are interested in a possible group class action to include other states if possible. If this forum will not permit the posting of such information, I would appreciate it if you would Instant Message me. This is a solution that many people would love to be a part of. Those blood suckers need to pay for what they did to all of us.

Thanks,

Tricam


lrhall41

Submitted by tricam on Mon, 07/02/2007 - 19:50

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To: all past/present clients of Mezey & Associates "Law Firm" aka yourdebtlawyer.com , yourdebtlawyer.net aka NLDC (National Legal Debt Center)., aka NDS,

If you are one of the many upset and dissatisfied debt settlement clients that feel you were done wrong by this firm and it's owners Harry Reis and JW (Joseph Wade) Mezey, the FTC and the Cal. Atty Generals Office needs your help in order to investigate them, which in turn could potentially lead to sanctions and maybe refunds for some. If you have been wronged it is important that you file a complaint with all 3 regulatory bodies so that an investigation might begin and hopefully prevent others from being wronged. Filing a negative report with BBB (bbb.com) is a good first step, but far more effective is to contact the FTC by calling their toll free # to file a complaint at 1-877-382-4357, then press 2 four times to get you to the right place. Also file a complaint with the office of the atty. gen. in CA by using the simple online complaint form.

Or you can call or write the office below:
Attorney General -
Bill Lockyer
Attorney General's Office
California Department of Justice
Attn: Public Inquiry Unit
P.O. Box 944255
Sacramento, CA 94244-2550
VOICE - 1-800-952-5225 (Toll-free in CA)
TDY - 1-800-952-5548 (Toll-free in CA)
or (916) 324-5564
FAX - (916) 323-5341

In doing my research and digging I learned that Harry Reis is THE owner (and non-attorney) who "runs the show" and apparently hides behind the scenes not caring about the upset clients. He is mainly responsible and accountable, as is Mr. Mezey, for the operation/marketing/procedures of his debt settlement company. Do a search on this site for "Mezey" and then "Reis" and you will discover other upset clients that posted. Keep in mind that the only positive posts you'll see were falsely created by the owners, it's obvious.

Christopher Reis is Harry's son and partner/CFO and he runs an office in Las Vegas. I also learned that the many sales reps/debt consultants and other support employees are not responsible as they were just following the strict rules and procedures that the owners (Mr. Reis and Mr. Mezey) set up and mandated that they follow, thus leading to a very negative and warranted BBB report with many complaints that the company does not even respond to. Bottom line- it's Mezey's name on the contract.Once one became a client it was totally out of the debt consultant's hands and they were powerless to help and were instructed by Mr. Reis never to communicate with the client anymore after they signed up. Mr. Reis claims his debt settlement company is a "law firm" as advertised on their websites yourdebtlawyer.com and yourdebtlawyer.net and marketing material. The only atty. is Mr. Mezey and he really is not even an active part of the co. as he has a totally separate office in a separate town (all public on the NY Atty Search website) he is more less just on the contract. The company that handles all the signup/service/negotiation (pretty much everything) is Americorp, a totally separate back end company and again, definately not a "law firm" that they deceive you into believing when you call their customer service #. Americorp's email address is used when sending and receiving contract to the client, no "law firm" is involved what so ever!! Could this just be a very deceptive and fraudulent marketing gimmick?

If you contact the regulatory bodies above to voice your complaint here are following names and addresses of the responsible principles and officers:

Harry Reis (primary owner),NLDC, Mezey
15981 Yarnell St. Suite 209
Sylmar, CA 91342
AND
3033 N. Avon Rd.
Burbank, CA 91504

Christopher Reis (partner)
2505 Chandler Ave. Suite 1
Las Vegas, NV 89120

Joseph Wade (JW) Mezey (att. partner)
405 A Arenoso
San Clemente, CA
1-949-542-7661

AMERICORP (non-law firm)
americorp.com
Syosset, NY
1-631-940-2400

Good luck, for your info to use or not use as you wish,
Informed citizen


lrhall41

Submitted by on Mon, 07/02/2007 - 20:23

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Mezey and Assoicates is just a cover for a company formally called National Legal Debt Centers. They merged with Mezey and Associates because they where about to be shout down because they did not do what they said. People ended up worst off than we they started. Look up Nation Legal Debt Centers with the Southern California Better Busines Bureau. If you have joined cancel today before they get any more of your money! Call or write the New York Bar Association and let the know what is doing on.


lrhall41

Submitted by on Tue, 07/03/2007 - 09:59

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thank you to the "Guest" that posted all of that great information :D . I am in NY (can I still write to the CA people?) and will definatley be reporting Mezey to anyone that will listen.


lrhall41

Submitted by wetscooter on Tue, 07/10/2007 - 07:08

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Your welcome! We have an investigation here in CA too. It appears that Michael Sandercock here in CA is not an attorney and was pretending to be one, so there's a pending law suit in the works. He evidently is the culprit behind the scenes per CA BBB. So the State Atty General and CA Bar are preparing a suit to fine and imprison him. Stay tuned


lrhall41

Submitted by on Wed, 07/11/2007 - 10:22

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The Michael Sandercock "Lawyer" you wrote about is one and the same poser, that ripped us off too! We've contacted the CA Bar and State Atty General also. They found he's in Marina del Rey and he has been posing as an attorney for a number of years. They're going to issue a warrant and shut him down, then put him in prison where he belongs, after seizing all of his business and personal assets!


lrhall41

Submitted by on Wed, 07/11/2007 - 10:56

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I signed with NLDC in May 2005. Since then I have settled 2 accounts of the 5. I have tried contacting them since December of 2006. They sent a letter of their change of ownership I called them for a report on the status of my account and they did not respond. If anyone is trying to locate them, here is their number 702.260.1050. Their address is 115 E. 57th Street, 11th Floor #267, New York, NY 10022. I have also been ripped off and hope to recover the money if I can. Please advise.


lrhall41

Submitted by on Wed, 07/11/2007 - 15:40

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We signed on with Bernie Melendez who said he was a lawyer and made a lot of false promises. The Bar Association said they had numerous complaints against Melendez for pretending to be a lawyer and were going to file suit against him with the AG's office, but said that the law firm was delivering as per their contract. Evidently they were taken in by Melendez claims to be an attorney too. We couldn't afford the payments anyway and had to file bankruptcy, but felt we were pursuaded wrongly by Melendez, who advised us to not file for bankruptcy. In our case it was necessary. We don't blame the law firm as they did what they said and we did have a couple debts settled, but we feel Bernie Melendez acting on his own behalf misguided us.


lrhall41

Submitted by on Wed, 07/11/2007 - 23:02

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I have been really screwed by this company, they are not legitimate
get rid of this company before its too late I am out over $3000. Please do not make the same mistake I have.
Lisa


lrhall41

Submitted by on Thu, 07/12/2007 - 12:21

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You can't fix stupid! The banks want you to run up your debts so they jack up the interest rastes and get the late fees and penalties. Abusing credit is an addiction. Better to just not use credit to begin with. It's your own fault your in debt dummy!


lrhall41

Submitted by on Thu, 07/12/2007 - 13:37

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Credit Solutions promised to call once per month to update me...they never called once. They promised to get payoffs of credit card debts for 40-60% of balances, but, they pushed the fact that most are getting it done for 40% They didn't tell me that the balances rise exponentially at the same time CS is counseling me to wait longer before CS engages in negotiations.

At the same time they are collecting money monthly from my account. The longer they wait, the higher the cc balances, and the more money CS puts in their pocket....; great for CS and a rip off to me. After finally getting through to someone after 9 months, that someone (you never talk to anyone twice!) made me do a "hurry up" settlement with one creditor which was 60% of the original debt. This is when I stopped payment ($35 bank charge). The bank tells me that the only way I can take away the power of attorney that CS demanded is to close the account! CS obviously did not offer to apply any of the money they had collected from me towards this settlement.

I contacted an attorney at that point and he advised me to "pull the plug" on them. The contracted CS promise was that half the monthly money would go towards their service fees and half would go towards the debt payoffs.... Yeah,...right!.... I feel so stupid! Now their accounting department does not return my calls....Meanwhile, the 5 or so other credit card companies have turned my accounts over to collection agents who are getting judgements against me here in Florida.... Fortunately, I have no wages or assets they can attach, but I pity the poor folks who do, because these judgements will have teeth in them, while all the cash they have that might be available to the debt collectors is in the pockets of CS! The Scam is that CS can only prey on people who do not have any way out of the debt spiral; those who are unlikely to have funds interesting to accomplished attorneys (the ones who always win are expensive)

Well,... I can do it....So this is what I have in store for them: I am talking to a well known fraud attorney and personal friend in Austin, Texas in that State's Capitol, as well as my attorney here in Florida. The attorneys are talking to each other. A class action suit is being researched. The Attorney Generals of the US, the State of Texas, and the State of Florida are being informed via formal complaints next week. A formal complaint will be made on a personal level to a high level fiqure in the Federal Trade Commission.

And finally, CS can expect some unannounced "visitors" to their office who are experts in "debt consolidation" matters..... 'Ever seen the Texas government roadside signs that warn, "Don't Mess With Texas"? Well,....they might be changing them to: "Don't Mess With Marty"...... Stay tuned.

Also, I have managed to collect several names of employees who have contacted me from CS over the last year. A follow up message in this forum will include those names if permitted . All those who made unkept promises need to take responsibility for damages to me as well in my book.


lrhall41

Submitted by on Thu, 07/12/2007 - 13:39

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Unlike the people here blaming someone else for the debts they themselves ran up, I've been a client for over year now and have seen a lot of positive results and changes in the company. I'm on my 3nd card being paid down and am very happy with Mezey's staff now. Not so happy at first, but am seeing results now and am thrilled I stuck with it. Like others, they told me they expanded so rapidly and were so successful handling over 10,000 clients their csr svc got overwhelmed. I too had problems early on, but they were my own fault. I ran up my credit cards and needed to take reponsibility for my own problems, instead of blaming everyone else. Now i'm getting control of my financial situation thanks to Mr. mezey.
_________________


lrhall41

Submitted by on Thu, 07/12/2007 - 19:19

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A few weeks ago I asked them to change my debit date to the 30th instead of the 3rd of each month (been paying them this way since Nov.'06) and A Mike E. told me by email the week before July 3rd, that they "changed my debit date to the 30th starting in July", but guess what, they took my money on the 3rd and overdrew my account, plus the other debits I have phone, electric, etc. were overdrawn because this guy told me they changed my date for July. Now I'm charged about $120 for overdraft fees. They did say they will give their payment back, but by personal check, not reverse it electronically. I'm wondering big time about all this too. The contract says "client will ALWAYS have online account information available" well, it's been 6 months since they "merged" and they took the "login" button off of their website's homepage, which to me sounds like a big breach of contract. They still haven't told me what bank my money being extracted from, last year, it was a Bank of America/Noteworld account, but that closed in January and they never told me about it, I had to find that out myself too. What is it again we're supposedly paying all that 15% legal fees for??!! This guy George Fasha (out in California) told me (before I signed their stupid contract) that my accounts would be "frozen" and I'd be paying my 15% legals fees as a percentage of my monthly payments and the rest each month would go towards paying my debts. I find out a few months later that I'm supposed to pay over $5K in legal fees up front before they even do any "negotiating" for me. I hope there will be a National Class Action against these crooks because I'm sure they conned thousands of people who thought they were going with a real lawfirm in order to not file for BK, and save "60 to 75% on their debts, and to have creditors stop calling etc. All of this is on their website, they even say in their FAQs page that "Yes, We are a Lawfirm", What A crock of BSers they are, preying on desparate people who have also been devoured financially by all the credit card companies. They are all legal Mafias in many ways....only in America, capitalism at it's worst!!! Even with all I've said here and all the crap they've done to people, I still love this country, because when these people are found guilty, we all will get at least most of our money back, they also should be sued for all the senseless aggravation and unneeded stress (pain & suffering) and punitive damages they've exuded on people. How's my spelling calif cal,(see page 12) take some lithium dude, you might feel better. PEACE!!!


lrhall41

Submitted by on Thu, 07/12/2007 - 19:22

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CSA is claiming to help people get out of debt by settling amounts owed to creditors at a percentage of the amount at the time one enters into an agreement with them. In return, they collect a service fee 15% of the total debt. However, I now realized that they have taken my money and failed to fulfill the obligations of the contract. The BBB has 400 complaints against this company over the last 3 years, most in the last year and it would appear that due to high volume, these complaints are not being addressed before more and more people are getting scammed by this company.

CSA tells customers to stop paying the current bills, while they make an offer to settle the entire sum owed at a smaller amount. In my experience - Only one debt of the 7 initial accounts was settled, and for 60% of the initial amount, not 40% as advertised. This account was never requested by me to be settled, it appears that CSA has some benefit in settling this account with Providian.

The other debts I have requested to settle have not been settled, despite multiple requests. As a result, Discover took me to court and I have become delinquent on numerous accounts. As before my credit was just overextended, and I had been paying accounts on time, I now have multiple delinquencies and my credit is ruined.

When trying to reach CSA, 75% of calls are dropped or do not go thru. The ones that do, I am told that someone will get back to me, however no return calls are made. They have essentially taken 5000 dollars and stopped doing any of the services that they should under the contract.

When I finally established contact with a person, I asked that they put down in writing their promises and they ignored the request and have not refunded the fee. It is simply an issue of the company charging money and not fulfilling any obligations, instead ruining the person's credit for good. This is the biggest scam and BBB is too backlogged to stop this company from ruining more lives.


lrhall41

Submitted by on Thu, 07/12/2007 - 22:39

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Credit Solutions talks a good line until they get your info, then everything goes the opposite way. They will not return clients calls, do not respond to emails, do not contact creditors. Their 1st rule: "Let Credit Solutions do the talking for you", is a laugh. Clients are told to fax creditor letters to them so that they can respond or help the client respond, that too is a joke.They claim to be members of the Dallas Better Business Bureau but as of June 1, 2006, they were not. There have been 126 complaints filed with the Bureau in less that the three years that Credit Solutions has been in business. Settling these complaints is like pulling teeth. And most often does not happen.

They claim to settle their clients accounts at 60% savings in 12-36 months. that the client is then debt free. It does not happen. Nor do they have monthly follow-ups or credit counseling as they state.

They give tricks and loopholes for clients so that the creditors cannot reach them. There are two printed in the handbook. I called and finally got one of their reps when a very pushy creditor continued to call me. I received a very blunt answer when I told the employee my problem: "We do not contact the creditors, they have to call us."

They claim to have "working relationships with the credit card companies. I received a letter from Advanta stating that is not true. Credit Solutions is not regulated by the FTC. This was after I called Credit Solutions and was told yes they do work with Advanta. They have to have a checking account number from the clients so that they can take their fee out monthly.

I cancelled the one at my bank and faxed a ternination letter to Credit Solutions on June 2, 2006. It did not take them long to call me because they could not get their money. I told the employee my problems with them and that I wanted the money returned because they had done absolutely nothing to earn it. I was told that he needed to talk with his boss and that he would get back to me. That was one month ago.

I urge anyone who has had dealings with this company to put it on this web site. They need to be stopped. Their false advertising needs to be stopped. They are not lawyers and are misrepresenting themselves.


lrhall41

Submitted by on Fri, 07/13/2007 - 16:00

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