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CMS-Court Mediation Services (Integrity Debt Relief Grp)-Possible Scam

Submitted by on Tue, 02/03/2009 - 11:54
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I was looking at reviews of Debt elimination agencies and came across debt free destiny com which is apparently owned by Brad who is also the founder of Court Mediation Services (known as Integrity Debt Relief also)

He praises the company he founded obviously and looking at the thread at the bottom of the page, many people like us were questioning if this company is really legit and if it really does work.

Some people really went the distance looking into this so called legit company and uncovered really interesting information.

Please check it out if you're thinking about going through them and handing over money you probably can't afford to lose!

To me, it smells like a big scam!


I agree with you that it sounds like a big scam but i did alot of research into this and there is no one that actually put anything on any of the scam reports actually saying they gave him money and it didnt work. I have one friend who is in the program for 4 months and his friend is in the program for 8 months and the one who is in it for 8 claims that it is working. I am not in the program myself yet because I am nervous about it. I wish I new someone that actually either completed the program or got scamed that would help me make my decission.


Submitted by on Tue, 02/03/2009 - 15:34

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I just feel that with the way my financial situation is right now, I can't afford to lose any more money or be a victim of a scam.

It's better to be safe than sorry. Until there is actual proof from multiple people, I'd stay away. Too many unanswered questions in my opinion.


Submitted by on Tue, 02/03/2009 - 16:14

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Hello Folks,

My company, which represents a network of 3 debt relief services including curadebt and careone credit has added CMS to its roster.

CMS is 100% legit and the process they use is just as effective as any settlement or consolidation plan.

With any service, the accounts are allowed to go into collections with the hope of a settlement which would then be paid. CMS process is very similar just using a method that 1. makes CMS an interested party on the accounts
2. Holds the creditor to honor terms set out by CMS.

My company has referred over 20 clients to CMS since April 08 and they are all happy with the service.

I speak to people with heavy credit card debt daily and many of them have hired a settlement comapny or some repayment plan/consolidation company and are now facing lawsuits despite the effort.

CMS plan is very aggressive towards creditors and forces some things to happen that other companies kind wait and see.

CMS is not the solution for every situation but bottom line it is a viable option.

DIS


Submitted by on Thu, 03/05/2009 - 15:12

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good point guest.it's because they can't scam that much for that little debt.it is a scam pure and simple.just like FDRS was.


Submitted by paulmergel on Fri, 03/06/2009 - 10:36

paulmergel

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CMS is not for everyone because every situation is different. Some strategies are better than others.

If someone has $15k or less of non-secured debt ($2500), I would suggest paying that off. It is always best to pay back your debt. A good consolidation plan may be more effective in this case or simply trying to work out a deal with the creditor.

If someone has higher amounts of debt that are in collections, then a settlement service would in most cases be the best option. Settle the accounts and have them marked settled in full. Avoid lawsuits.

If someone has higher amounts of debt and is considering bankruptcy, struggling to make payments but making some, then CMS may be a good option. CMS makes payments on your accounts and offsets them down with thehelp of new terms that are in their favor.

Finally, I am not here to promote any specific method of debt relief or argue with Paul who knows so much. I just know from speaking with my clients that many of them have tried other methods that didn't work out as planned and are now facing lawsuits which is a little late for us to get involved with.

I work with 3 companies (consolidation, settlement, CMS) I direct people to the proper place based on their situation. If you dont understand what CMS does or dont feel good about it dont do it. You have to feel good about your choice.

Paul I take your comments seriously. I promise you this will be my last comments here, but I suggest that unless you have real evidence showing that CMS is a scam and will take your money and run, which is not true, and you cant have such evidence, to stop. Just my suggestion.


Submitted by on Sat, 03/07/2009 - 11:35

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we are about to try it. yes it does sound to good to be true...our only other option is to file bankruptcy. we figure, if it is a scam, we will just have to move forward with filing bankruptcy. the money that its costing us to do the program would not help or hurt the bankruptcy option. we are really just gonna pray about the situation and hope for the best. we'll update you on the outcome...for those of you who are interested.


Submitted by on Mon, 03/23/2009 - 23:39

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I have been in the program for about 7 months now and I can't tell you if it is working or not. For the most part the collection calls have stopped, except for 1-2 credit companies. I dont get any more statements and my credit report now reflects that I have 30-60-90-120 day late payments. When I try to contact CMS there is no phone number to get a hold of somebody and the only way to reach someone at CMS is through e-mail and that takes 1-2 weeks to get a generic responce back that state dont worry everything is going as detailed.I never get a real answer to my questions. I am at the point were I am ready to send my credit reports to CMS so that CMS can start to dispute the negative marks from the credit card companies.But I am not getting any responce. So in my opion I think this is a scam. Why would there not be a phone number to the offices at CMS and why would I never get a real reply to my questions? If somebody elese out there has any real life experience in dealing with company I would love to hear from you. I will post again with an update to let everyone now if this is scam or not. Oh yeah I definatly will report them to the BBB and to any other angency I can.


Submitted by on Fri, 04/17/2009 - 09:48

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I have been in the program for about 7 months now and I can't tell you if it is working or not. For the most part the collection calls have stopped, except for 1-2 credit companies. I dont get any more statements and my credit report now reflects that I have 30-60-90-120 day late payments. When I try to contact CMS there is no phone number to get a hold of somebody and the only way to reach someone at CMS is through e-mail and that takes 1-2 weeks to get a generic responce back that state dont worry everything is going as detailed.I never get a real answer to my questions. I am at the point were I am ready to send my credit reports to CMS so that CMS can start to dispute the negative marks from the credit card companies.But I am not getting any responce. So in my opion I think this is a scam. Why would there not be a phone number to the offices at CMS and why would I never get a real reply to my questions? If somebody elese out there has any real life experience in dealing with company I would love to hear from you. I will post again with an update to let everyone now if this is scam or not. Oh yeah I definatly will report them to the BBB and to any other angency I can.


Submitted by on Fri, 04/17/2009 - 09:48

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I cannot say if its a scam or not, but on each account you submit you have a signed, notorized notice of Assignment of Debt agreed to by both parties involved. That is a solid contract to assume the debt. I also received a thank you notice from one creditor for my payment. Since I personally did not send any payment directly, it obviousley was sent from CMS as they promised they would do. I think many people writing above are falling victim to the "sounds too good to be true" blues, without actually listening carefully. If this was a scam, it would have been shut down 7 years ago when it started. The BBB would have thousands of complaints on file. No such evidence exists. The only evidence I can verify is I have found no complaints listed by any agency, sand so far, they have performed exactly as they said they would with signed notorized forms, and payments made to my accounts as promised. That is verification with my own eyes. So for you nay sayers, I suggest you get the acts before sharing your wild assumptions.


Submitted by on Wed, 04/22/2009 - 21:42

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There is alot of info floating around about the process or supposed process.

I have always asked the simple question- if a credit card company can have you accept their terms/conditions changes with only the "use" of a credit card then why cannot the consumer do a similar thing with a check?

Unforetunately the mods for this board have edited or eliminated or locked down some of the prior discussion about the process so you might have to research elsewhere.


Submitted by econobiker1111 on Mon, 04/27/2009 - 10:02

econobiker1111

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Why can police break driving laws on the regular?

Why can I enlist to die for my country at 18 but can't drink until 21?

Why are certain drugs illegal when tabaco and boos kill at an alarming rate?

Why if I don't use credit cards my fico score will suffer?

Why can a CA sue me in court without any proof of owning the debt they are suing me for?

Why can a CA put false info on your credit report without you knowing?

In fact why can a CA even access your credit report info without permission from you? Isn't that info private?

Why is Brad Daley not in jail yet? In fact why are all these scammers getting off without jail time? Laura Hess + Edward Cherry + Campos + Americorp = 20 million unaccounted for.

It's just the way it is............ This topic has been over a long time ago. It doesn't work........PERIOD.


Submitted by on Tue, 04/28/2009 - 07:13

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NEW CMS name called the {National Debt Relief Network}...LOL. Go to the site(nationaldebtreliefnetwork.com) and hear the audio. You can also hear Brad in an so called interview. Very funny stuff. Very funny. WOW he is pulling out all the stops here....LOL.


Submitted by on Wed, 04/29/2009 - 11:21

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I have been with CMS now for about two months, and contrary to Erica on April 17th, I have always been able to get ahold of one of Brad Daley's associates (with the last name "Cook") by the phone numbers they provided me. I have no reason to doubt these folks are legitimate, and though the program does not work EXACTLY as described on the welcome tutorial (some of the process is out of order, or details left out of the overview), things seem to be proceeding. I have received signed copies of all of my Notice of Assignment letters back, as blueman said. I have no worries, either, since bankruptcy is my fallback, as Plain Jane suggested.


Submitted by on Tue, 05/12/2009 - 23:30

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I have been seriously considering turning to CMS for help. I am very skeptical and would love to talk with someone who has personally gone through the process. I have been unable to find useful information regarding this business. When I checked on the BBB website it says that this is not an accredited business but on the other hand there aren't any negative reports on it either. ANYONE who has ANY information please let me know.
Thanks


Submitted by on Wed, 05/13/2009 - 22:48

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Is CMS being sold?


Submitted by on Sun, 06/07/2009 - 11:16

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I have been in the program 12 mos now. I sent my CR's to Alexin group as instructed. I was told to wait until June 11th. I waited now every creditor is calling and sending me Judgement threats! I can't get a answer from my agent Cam or Misty from Alexin group which disputed the debts. I recieved CR's back with nothing removed. I paid over $3500.00 for this service, 12 months later I'm still hounded..I pray that someone will email me it's ok! that was all the money I had after loosing my job last year.


Submitted by on Sun, 06/21/2009 - 17:34

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Debt conolisdation companies want you to believe that CMS is a scam so they will charge you an arm and a leg to settle your debt at 50% . i can do that myself. Trust me on that.
I have been in the program for about m months, my agent is avaialable anytime i have a question or concern. So for those who think elimination will happen overnight think again. This is a process that needs patience. if you don't trust it don't do it.
check with BBB, and there is not complaint to CMS.


Submitted by on Fri, 07/31/2009 - 13:10

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a debt elimination scam doesn't happen overnight.usually after about 6-8 months a credit card will sue you.when that happens the debt elimination scam will become unresponsive and not help at all,but will continue to take your money.debt elimination is a big scam and you are headed for disaster.


Submitted by paulmergel on Fri, 07/31/2009 - 13:18

paulmergel

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It's really funny when you see so many people posting what they think is a scam and have not researched the facts on a company or the person. Opinions are just that, opinions not fact so if you are going to post something about CMS or for that matter any business, maker sure it's fact and not your biased opinion. Get your facts straight!!!


Submitted by on Sat, 08/01/2009 - 23:26

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they are in the same business model as federal debt relief system.the owner of that MARK CELLA is on the run from the gov't.just like them they had people swear to the heavens about how wonderful they are.let's see how you feel when the first creditor sues.bet you'll have adifferent take then.btw mark is running because of complaints prompting them to invstigate.again anyone wh uses them is headed for trouble.


Submitted by paulmergel on Sun, 08/02/2009 - 14:25

paulmergel

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Guest we are not posting opinions here. IT DOESN'T WORK PERIOD. THAT IS FACT. I can't believe that people are still talking about this topic. This has been laid to rest a long time ago.

The whole process doesn't make any sense at all. Just read CMS's own contract. It tells you flat out.....IT DOESN'T WORK on the contract YOU have to sign....LOL.

Search the net to find what the contract actually says. Someone posted it online somewhere. I was entertained reading it as you will be also. Complete double talk dribble.


Submitted by on Mon, 08/10/2009 - 10:06

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About the Company

Court Mediation Services was founded in 2000 by Brad Daley and Integrity Debt Relief Group appears to be just a name that are doing business under.

Fees

Their fees are referred to as ???Process Cost??? and can vary per client, but the general unconfirmed consensus is that it is $2500 upfront.

Their Process

You, as the customer, provide them with enough money for 1 more minimum payment on each account that???s still with the original creditor, plus $43 fee per account. If a minimum payment is less than $50, they require $50. If the credit card company is demanding overdue and over limit fees, then Integrity Debt Relief Group only requires 2% of the balance.

If the debt is with a collection agency, no minimum payment is required.

Integrity Debt Relief Group (Court Mediation Services) sends a check to the creditor along with a change in terms and conditions. The new terms and conditions are now reversed in favor of you (and Court Mediation Services). Some examples of these changes are:(This is not legal)

* they can???t charge you any interest(Wrong)
* the new minimum payment is $10(Wrong)
* they can???t charge late fees(Wrong)
* they can???t put any negative marks on your credit report(Wrong)

The new contract also stipulates a monetary penalty from $500 to $2500 if they break any part of the new contract.(You can't change the contract with your creditors)

The Contract

By cashing the check that is sent, the creditor is accepting the new contract, with the new terms and conditions (this process is called novation). (This is so not true, against the law and against the original contract you signed it's laughable.) CMS intentionally sends the first payment late, to induce the first violation of the new contract. The creditor always cashes the check, and in doing so violates the new contract, and subjects themselves to the penalties spelled out in the new contract.( They just told you that they are trying to TRICK the creditor)

The object of these tactics is to lure (TRICK)the creditor into breaking the new contract, which according to Integrity Debt Relief Group (CMS), they always do. Month after month, the credit card company cashes the minimum payment (now $10), and assesses late fees and overlimit fees, etc, continuing to violate the terms of the contract.

The Credit Card Company Will Owe You Money....Rubbish pure and simple.

The penalties add up every month and soon equal (or ???offset???) and often exceed the debt previously owed to them. CMS uses the simple and airtight process of contract law (offer, consideration, acceptance, and performance) to demand that the credit card company (or other creditor) retire the debt, or pay them any excess fees according to the the new contract.

According to the company, ???They will act as if they are still under the original contract and we let them do so until the penalties offset the original debt.??? CMS does not give specific statistics on how many cases they???ve handled, but they imply that they have successfully offset very account and have never been taken to court. The Creditor understands that the contract is binding and they can???t win.

If the debt is with a collection agency, CMS follows a more traditional approach by disputing the debt and requiring validation.

What to Expect

The company warns customers of a couple things:

1. expect collection calls and ignore them(Don't do this)
2. expect some mail correspondence and forward them to CMS(Don't do this, this is the TRICK on YOU)
3. expect negatives on your credit report for 6-12 months. This is a violation of the new contract, but will be removed later in the process. CMS starts this removal process at month 7 after you send them your credit reports.

According to the company, their complete process takes 12-15 months to eliminate the debt and correct your credit report.

Website Experience

Integrity Debt Relief Group???s website is a simple interface, with only 1 page and a consultation form. It lacks any real information about the company, but instead encourages people to fill out the free consultation form in order to speak with a representative.

It???s clear that their intention is not to get you a settlement on your debt, but to eliminate it. The main part of the page is an 12 minute audio piece that explains in detail how they will ???legally get rid of 100% of your unsecured debt.??? I guess in this case an audio clip is worth a thousand words.

This whole process is so fictitious and against the law in every way. YOU CAN'T ELIMINATE DEBT.

Now this review looks like it was written by someone who visited their site. NOT TRUE. It was written by THEM themselves. On debt free destiny dot com.

THIS IS FACT NOT OPINION


Submitted by on Tue, 08/11/2009 - 07:19

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ALL AT THE BBB:

Based on BBB files, this business has a BBB Rating of F

Reason for this F rating include:

* Failure to respond to 1 complaint filed against business
These complaints concerned:
1 regarding Advertising Issues
1 regarding Advertising Issues

These complaints were closed as:
1 No Response
1 Company failed to respond to the BBB to resolve or address the complaint issues.

The BBB is experiencing a high volume of calls and inquiries for this company. Inquirer's are asking the BBB to define the method of Novation, used as a process of debt relief services. "Novation", the method used by this company is unknown to the Better Business Bureau. We have sought information from a number of different independent sources and have been unable, to fully understand the service as offered, at this time. In our efforts to assist both the company and consumers, we are including in this report information which was voluntarily provided to us by the company on January the 26th 2009. The information describes the process in it's "New Client Agreement", included below.

Section titled: "Rights and Responsibilities of Consultant" Consultant agrees to utilize his best efforts to undertake a process known as "Novation" on certain contractual obligations of the Client. This process is considered controversial and uncertain in many regards, and there can be absolutely no guarantees of a successful outcome. It is understood the purpose of this novation is to transfer responsibility for debts to CMS and to reduce the clients debt as much as possible without bankruptcy proceedings. It is understood that this process does not eliminate legal liability on the debt on the part of the debtor, but adds CMS as a party in interest to these claims as a matter of convenience so that CMS may undertake services on the client's behalf., and to establish potential defenses and challenges to credit card collection action.
It is further acknowledged by the client that no representations or warranties are made concerning the effect this process will have on the clients credit score, and that the credit score is likely to deteriorate from this process.

As a function of the BBB's ongoing efforts to educate consumers in all industries, we will continue to research the method of "Novation" and make necessary adjustments to our information, when it becomes known to the bureau. For General Information "Debt Relief" services you may wish to vist the FTC website.


Submitted by on Tue, 08/11/2009 - 07:34

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Copy of the agreement you sign for CMS:

Court Mediation Services
PO Box 1609
Phenix City, AL 368868

[email]cmsaccess@gmail.com[/email]

CMS Purchase Agreement

This information is written to provide accurate and authoritative information by Court Mediation Services only. The term CMS thereafter will refer to both Authorized Agents of Court Mediation Services and Court Mediation Service Office Personnel.

CMS agrees to work on the client???s behalf for the agreed upon services.

CMS makes no claims, warranties, guarantees or representations of any kind because no one can pre-determine how a court will rule and/or how a judge will respond.(Why, I thought you have never been sued and a 100% success rate?)

CMS is not engaged in providing or rendering any legal advice or professional services. If legal or other professional assistance is desired the services of a qualified licensed professional should be retained.(What???...you are providing professional services. Why would they say this?)

CMS specifically disclaims and liability, loss or risk incurred directly or indirectly by the use and application of any information assistance or documentation presented to the client???s use or application.

CMS shall have no liability or responsibility to anyone with respect to contact and settlement negotiations or agreement(s) that may result from any negotiations and/or settlements, or for any loss or damages caused or alleged to have been caused directly or indirectly by such efforts and/or negotiations.

For legal reasons CMS does not guarantee, promise or claim and specific outcome from utilizing its negotiating settlement services or programs, and such guarantees, warrenties, representations, or claims are not expressed or implied.( I thought you always win?...If that's true you should guarantee. That's what the audio said on your site)

Client(s) shall hold CMS harmless for any loss resulting from the services contemplated herein, it being understood that the results of the information, assistance or documentation provided herein may vary and cannot be predicted with certainty.(Again, Audio said otherwise. It can be predicted you said remember you always win)

Information and results presented in this information or by Certified Agents, CMS office personnel, are only offered as examples and limited in their scope and application and are done so without prejudice or giving up any rights.

Current and past results from CMS???s successful negotiated settlements, arbitration???s and/or mediations will and can vary from one client to the next and there is no guarantee that the success of present or future negotiations will achieve the same, better or lesser results.

CMS recommends and encourages at all times when the client has a legal question that the client seek competent legal advice from a licensed attorney in his or her state. CMS will make referrals to Consumer Advocates when requested by the client(s).(You are COURT MEDIATION SERVICES. Your name screams legal. NOVATION is a LEGAL process. You deal in the legal process. This is what you SAY you do. Why do I need to ask someone else? They are telling you upfront that they can not deliver what you are paying for. This statement just boggles the mind. It's laughable...really)

CMS will return any unused monies sent to CMS from client designated for settlements, negotiations and contractual consideration.

Fee scale: (Not sure about this one but this is what I found)
To Offset up to 10 accounts or $100,000 of debt through CMS the cost is $2,500

To Offset up to 15 accounts or $200,000 of debt through CMS the cost is $3,500

To Offset up to 20 accounts or OVER $200,000 of debt through CMS the cost is $5,000

Thereafter an additional $350.00 per account.

The cost can be paid with a credit card if you have available credit. If you want to pay via credit card, let me know and I send you an email invoice. If credit card payment is not available, you will need to send a cashier???s check/money order along with the documents from Step # 2.


Submitted by on Thu, 08/20/2009 - 07:56

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I am in the process of using CMS and have been in the program for a year now....I have been referred to Alexin group to fix the credit side. I am now getting calls for an attorney/collection group saying that I will be sued. I am getting really nervous and about ready to call and see what I can set up as a payment plan. I certainly don't want to be dragged to court. DOES ANYONE know of someone who actually has gone through the entire process with CMS and things worked out fine?


Submitted by on Thu, 10/22/2009 - 15:55

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Quote:

Originally Posted by Anonymous
I am in the process of using CMS and have been in the program for a year now....I have been referred to Alexin group to fix the credit side. I am now getting calls for an attorney/collection group saying that I will be sued. I am getting really nervous and about ready to call and see what I can set up as a payment plan. I certainly don't want to be dragged to court. DOES ANYONE know of someone who actually has gone through the entire process with CMS and things worked out fine?


This program is most likely a scam- I would try and contact the person who set up you with the program and bug the heck out of them- make their life complicated. Call, email, send registered letters to them asking for them to either do the program or return your money. So many times this program has been shilled as working but no one ever has stepped up to the plate with documentable proof (ie credit reports even with personal info removed) to prove it works.

Also another main question posed is what kind of documentation does any one get to "prove" that their accounts are zero from the credit card companies. I asked this many times as creditors often sell debts. Even if CMS says that Bank of America said you didn't owe money, BOA may have sold the debt to say ~Joe's Debt Collection Service~ which then will contact you 2 years later. Then will CMS be around to provide "proof" that BOA said you didn't owe the money? What if CMS has gotten hit by a tornado and all their records destroyed? So if CMS does NOT give you copies of all their correspondance with creditors, this further leans toward them as doing a scam.


Submitted by econobiker1111 on Wed, 11/11/2009 - 10:04

econobiker1111

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CMS is not a scam. I am not afeliated in any way with them but they are helping me and i too was in the same boat as many americans . And let me tell you that it does work and the process of novation is true. The ccc once they charge off the account they are done . they take the write off and they are done. They cell the old accounts for pennies on the dollar and thats why you get the voltures in the coolection agents, All you do is send all to CMS and even though its hard but you must not talk to the Coolectors. All you say and trust me is "I dont discuss any finacial matter over the phone please send all by mail " then hang up. If you do that the ball is in your court because they can not say things in writing like they can on the phone. And CMS will look at it and respond for you. They will make the agents not call you any more. They are now forced to cantact you only by mail. So dont talk to them on the phone.


Submitted by on Wed, 01/27/2010 - 10:52

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I have been enrolled with CMS (Consumer Mediation Service--no longer called Court Mediation Service) for almost 6 months. Making contact with them is extremely difficult after they get your payment--but I have gotten responses. I even got an Answer prepared especially for me to use for a lawsuit Summons--twice. I got out of those lawsuits by using my own Fair Debt Collection attorney--but I did have to respond to the lawsuit myself, which CMS helped me do through the Answer they provided.

There do appear to be some indicatons of their work with my accounts--some of which show $0 balances due for no reason I know of other than CMS. An attorney even said one of my lawsuits was easy to settle because it was "paid or something." This sounds like CMS was doing what they said they would do. However, I have also been doing a lot to help myself and have had extremely good results with Krohn & Moss Consumer Law Center of Los Angeles in dealing with 3rd party debt collectors (prior to lawsuits being filed.)

I am very frustrated with CMS over not returning my notarized assignment of debt forms. I got back only 3 of 15 of them, even though they said they would return them. CMS Customer Service is terrible and each time I am ready to conclude I was scammed, they do get back to me--but barely. They were legitimate in returning some enrollment fee money to me when I "unenrolled" some student loan debt--deciding damage to the credit report of the student involved was not something I wanted to take a chance on.

As I've already said, it is very difficult to contact them--you have to wait for them to decide to return your email contact. I'm very frustrated but somewhat sure they are doing something for me on some of my enrolled accounts. This is what I know for now.


Submitted by on Sun, 03/14/2010 - 16:35

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They have all type of phone #s and my rep alway talk live with me and live message reply on same day guide me in details.


Submitted by on Sat, 06/19/2010 - 08:28

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CMS is a scam. I am a debt collection lawyer and I have personally sued and won cases against CMS clients. In fact, last month I got a default Judgment and $500 in sancations against a CMS client because the court agreed that the CMS responses he was filing were garbage.

The short answer as to whether CMS's technique can work is: No.

Every agreement you enter into with the credit card companies contains a clause concerning novation. The clause either says that novation is never valid or it says that any novation has to be sent to a special address. (And of course any mail received at that special address is immediately returned.) Maybe you should spend some time actually reading your contract instead of trying to get quick advice from the guy online with the little devil decal.

The simple fact is that you're not smarter than the credit card companies. (Exhibit A: The fact you're looking online for legal advice.) Stop trying to game the system. Stop trying to find the easy way out. Stop imagining that you're going to have that moment where, in a dazzling show of legal maneuvering, you outsmart the otherside and discover that loophole that nobody else saw. It's not going to happen. You're not that special.

If you grow up, take responsibilty and work with us, we will work with you. If you come in with this bag of "tricks" and think you're going to beat us with your internet-forum-education, we will grind you down. And enjoy it.


Submitted by on Wed, 07/14/2010 - 05:17

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Quote:

Originally Posted by Anonymous
CMS is a scam. I am a debt collection lawyer and I have personally sued and won cases against CMS clients. In fact, last month I got a default Judgment and $500 in sancations against a CMS client because the court agreed that the CMS responses he was filing were garbage.

The short answer as to whether CMS's technique can work is: No.

Every agreement you enter into with the credit card companies contains a clause concerning novation. The clause either says that novation is never valid or it says that any novation has to be sent to a special address. (And of course any mail received at that special address is immediately returned.) Maybe you should spend some time actually reading your contract instead of trying to get quick advice from the guy online with the little devil decal.

The simple fact is that you're not smarter than the credit card companies. (Exhibit A: The fact you're looking online for legal advice.) Stop trying to game the system. Stop trying to find the easy way out. Stop imagining that you're going to have that moment where, in a dazzling show of legal maneuvering, you outsmart the otherside and discover that loophole that nobody else saw. It's not going to happen. You're not that special.

If you grow up, take responsibilty and work with us, we will work with you. If you come in with this bag of "tricks" and think you're going to beat us with your internet-forum-education, we will grind you down. And enjoy it.


typical humanoid.i also think the term "debt termination"is a sham as i fought shills not only for this scam,but FDRS as well.i do believe people can settle their credit card debts if they keep in contact with the CC companies.your post while attacking the debt termination myth also smacks of the old "pay your bills"that typical humanoids spew.nobody especially me tells people to hide or find ways not to pay debt.in this economy caused by the same banks that handed credit cards out like candy they should be willing to settle with people,but alas they play hardball with people causing them to either.

1)go with a scam like this,or several other settlement/termination scams,or.
2)declare BK.

sorry,but the cc companies are as much to blame in this.while i will never take the stance you say i do.scams that promote debt termination are the ultimate scam.btw before you invoke me have proof of anything or advice i give as you were wrong about me from the getgo.


Submitted by paulmergel on Wed, 07/14/2010 - 07:01

paulmergel

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Quote:

Originally Posted by paulmergel
typical humanoid.i also think the term "debt termination"is a sham as i fought shills not only for this scam,but FDRS as well.i do believe people can settle their credit card debts if they keep in contact with the CC companies.your post while attacking the debt termination myth also smacks of the old "pay your bills"that typical humanoids spew.nobody especially me tells people to hide or find ways not to pay debt.in this economy caused by the same banks that handed credit cards out like candy they should be willing to settle with people,but alas they play hardball with people causing them to either.
1)go with a scam like this,or several other settlement/termination scams,or.
2)declare BK.
sorry,but the cc companies are as much to blame in this.while i will never take the stance you say i do.scams that promote debt termination are the ultimate scam.btw before you invoke me have proof of anything or advice i give as you were wrong about me from the getgo.


My point is not that you advocate debt termination. My point is that you have no idea what you're talking about, are dangerously unqualified to give advice and are dead wrong on nearly every piece of advice I've seen you give.

Exhibit 1: "i would also guess this law firm is a made up entity by someone at namakan as debt are civil matters,not criminal ones.lastly even if they could take you to court they cannot garnish as PA is non-garnishment."
Not true. None of it. Your "guess" has no basis in anything and has no facts to support it. Default on a loan can turn into a criminal case in certain circumstances. PA can garnish bank accounts.

Exhibit 2: "no in fact this idiot whoever they are broke the law."
Again, you make a statement with nothing backing it up but your personal opinion. There are any number of people who can call you up and tell you to appear in court legally. Clerks, sheriffs, constables, plaintiff's attorney. Each of these people can and do tell the defendant to appear in court and each of them will have a file on the defendant.

Exhibit 3:"it is definitely a scam.those are favorite threats of a bottomfeeder.especially one that tries to collect on old pdl's.file a police report for the call."
Do I even need to say it? You make a decision and advise this person when you have no information. You know they got a phone call and you're telling him to ignore it and call the police.

You've been wrong in 3 of your last 3 posts. That was my point.

But, on the other hand, anyone stupid enough to take your advice deserves the trouble it will bring.


Submitted by on Sat, 07/24/2010 - 08:02

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