Lifeguard Financial - What are the debtors saying?

I have never heard of the company however that doesn???t mean they are not reputable.

Was the approach unsolicited/telemarketed, or did you fill out a form online? I am asking this b/c Debt Mitigation companies that use telemarketers are driven by commission. Where you have commission you have ulterior motives. There are some great companies out there. Let me know if you have any questions. Feel free to PM or email me below.

They have a B- Rating w/ the BBB and associated with Practical debt solutions. Other than that, don't know too much about them.

pm have you found out anymore information about lifeguard?

A very slick and rude young guy called to say they were calling representing my creditors who were concerned that my credit score had dropped and I might be headed for some type of financial trouble and they were calling to help me clear it up before it got any worse and nothing could be done. I asked them how they got my file and they said my creditors had given it to them. I asked them which creditor and he said he could not disclose that information because he could not verify he was actually talking to ME! I knew it was a scam because I pay all my bills on time and pay more than the amount due so I kept trying to get more information from him but he just got nastier and nastier and finally hung up on me saying that he didn't have time to argue with me so he would just turn my file over to collections, which is ridiculous since there is no reason for any of my accounts to be in collections. I told him I would have my attorney take care of it and he said "yeah, well good luck with that!" I tried to call the number back but the recording kept requesting that I enter an extension and I kept putting numbers in trying to get connected to someone and could not. It is probably a debt relief agency trying to drum up some business, but I don't like the idea that people know what is on your credit report (if they actually really had my file, which I doubt). So beware of this scam!!!

life guard financial... is a great business they are actually working for you not against you!!! in these days we need someone to cut our debt in half and thats basically what they do!!

How do you know this " someone in TN " ? Are you an employee or former client ?

My baby fell down the well and Lifeguard financial rescued her and stuff.....and um there like good ya'll...... :twisted:

:lol: :lol: :lol: :lol: Nascar cracks me up

Think I have a future doing commercials for them?

i heard dueling banjos when i read that.

OMG! you guys crack me up! Im laughing loudly right now! I needed that today!

LifeGuard financial debt management company has been started by someone who worked at Curadebt and is stealing their leads. Apparantly Curadebt's owner is unaware of this, this is the reason many of you are being called out of the blue,
Curadebt has had about five or six companies spin off their scam and every time these people steal leads from Curadebt. The debt settlement world is a smaller place than most people think. information is very easily stolen.

Maybe I just don't understand how these companies work, They direct debit your checking account through a third party, Note World. After four months my creditors say they never heard of them.Amex and B of A (visa) say they don't deal with debt companies, but I am not sure how true that is.Signed power of attorney and whole bunch of contract stuff. I get zero feed back from them.When I call them I get someone who sounds like they don't know what they are talking about. They collect your money in some kind of an account before they contact your creditors and by then it's all gone to collections? Help me out. this whole deal sounds fishy. Is that SOP for debt companies. or they just go out of business and your holding the debt SOL?

Thanks

Please do your homework. They are two different companies thats why they are going to have different ratings on the BBB. Same base camp but each company does a different thing. And the rating is an A.. It is a legit debt management company. Please do your homework or go to our website and fill out the info and click on the links. Its Free and all you have to do is read.

Lifeguard Financial is a credit counseling and debt management company. It has a good A rating with BBB.

My Dr's told me I would never walk again. Then I found Lifeguard Financial*. Turns out I just had too much cash in my wallet. Once they took it all I could dance the night away. Thanks! Lifeguard Financial!!!

[color=Red]*Paid endorsement Results not typical. TT&L not included. Warning! This is not a toy. Batteries not included. Shock Hazard. Some Assembly required. Represented by the Law Firm of Dewey, Screwum & Howe.[/color]

http://www.lifeguardfinancial.com/lifeguardfinancial.aspx

So how come this other Life Guard in Naples Fl (above)is getting complaints from your customers? Mr. http://lgf101.com

How about this:

www.fraudguides.com/report/florida.asp

they are great they helped me and now im about to be debt free

LifeGuard Financial is a reputable company... Yes they do have an A rating wit the BBB. People have to also understand that creditors are not always so willimg to work with you. In the contract that ALL clients sign everything is fully disclosed if people would take the time to read. Debt Settlement is different than debt consolidation, in which only principle cost is paid and the creditors get no interest paid. Also yes there are two different companies with the same name. The headquarters are in Ft Lauderdale and there are several branches. The company is regulated by all the same governing establishments as any other financial institution. The leads are NOT stolen from Curadebt at all. or from anyone else for that matter. Also yes the comapny really DOES have your information, however exact amounts and account numbers are NOT fully disclosed for consumer protection. Long story short take the service or don't. Research for yourself if you the help if not, then move on.

i also had the bogus phonecall about my credit score being lower and credit card debt i do not have. to the lady that said she called the number back and could not reach anyone push 0 then #

I SIGN WITH LIFEGUARD ON 3-3-09 AN THEY DEBIT MY ACCT ON THE 3-19-09. MY CREDITORS HAVE BEEN CALLING & CALLING . TRY TO CONTACT LIFEGARD THEY PUT ME ON HOLD & THEN HANGUP THE PHONE. SHOULD I TERMINATE MY CONTRACT? HEAD QUARTERS IN 4 WEST LAS OLAS BLVD. FORT LAUDERDALE,FL 33301

I signed all my papers about two weeks ago and finally all the calls stopped from the CC. I make my first payment and hopefully ill have everything paid off in the next year or so.

has anyone had an honest responce of whether or not its a true company that is there to help or just a scam???

I work for lifeguard financial. We are a legitimate company.No shady business. We have a high rating with the BBB
I save my clients alot of money and continue to do so everyday. If any is interested feel free to contact me at my direct line Contact info deleted - ND






Please refer to the TOS - ND

they are a shady company. they do not disclose the truth regarding debt settlement.

I absolutely agree....They are a shady company. The debt settlement process is quite complicated, Yet individuals from this company are trained to sell this product and enroll the client all in the same day. As a debt settlement agent and trainer i find it ridiculous that there are all these BOGUS posts and replies such as " They helped me and now i am debt free" or "I signed papers and the call stopped". Come on! are you serious? Does this really sound like a consumer.

Although i am in the debt settlement industry i will not tell you i am the only company out there. THIS IS WHAT I SUGGEST YOU CONSIDER BEFORE YOU DECIDE ON DEBT SETTLEMENT COMPANY:

1. TASC (tascsite.com) is the only honorable organization within the debt settlement industry. DO NOT LET ANYONE TELL YOU OTHERWISE!. ANY COMPANY WHO IS A MEMBER OF THIS ORGANIZATION ARE UNDER A STRICT CODE OF CONDUCT THAT THE ORGANIZATION PROCLAIMS. There are about 100 companies that you can research on this site. ALL OTHER COMPANIES CAN BECOME MEMBERS, HOWEVER THEY CHOOSE NOT TO REGISTER BECAUSE THEY VIOLATE GUIDELINES THAT TASC PROCLAIMS JUST FOR THE PURPOSE OF BEING MORE PROFITABLE.

2. NO COMPANY HAS THE ABILITY TO MAKE SURE CREDITORS STOP CALLING YOU IMMEDIATELY, IT USUALLY TAKES 90 DAY 120 DAYS AFTER NOT PAYING CREDITORS. ANYONE THAT TELL YOU OTHERWISE....PLEASE TAKE THAT AS A SIGN OF "ILLEGITIMATE COMPANY".

3. DOES THE COMPANY GIVE FULL DISCLOSURE OF FEES?
NEVER ACCEPT ONE OF THESE ANSWERS:
- "ALL FEES ARE INCLUDED IN THE MONTHLY PAYMENT?
- " FEES ARE 15 % " (15 % OF WHAT)

I HOPE THIS CAN BE HELPFUL TO SOME CONSUMERS OUT THERE.

Life guard financial, is a great company and takes care of people debt. THey are a reliable company and have an A rating with the bbb which is impicable. I did business with them and it sure went great, my credti score is back over 700


[samebox:f602421a72="NASCAR_Devil"]And how much did Lifeguard pay you to post your lies? Or is that part of your job description at Lifeguard?[/samebox:f602421a72]

Many so-called experts appear on these message boards and criticize debt settlement. Where were all of these Gurus when the banks, who made billions from loaning and investing the deposits in our checking and savings accounts, while charging us every fee imaginable? What about the credit card companies, which spent millions on high priced advertising and shipped out all of the plastic that they could mold? Now, that all of the executives and insiders have gutted the American economy, they are whining to the federal government to pour OUR tax dollars into he shells they've left behind and still getting bonuses!

Why is it wrong for companies to advocate on the side of consumer? Many attorneys (who have bankruptcy practices) will advise against debt settlement. Consumer Credit Counseling Services are funded be creditors like banks and cc companies. The same creditors who don't care if you live or die, as long as the get their interest.

I think all Americans need a clean start. The best way to do that is to clear debt off of the books. Period. I realize that my credit score is going to drop initially, but if I can settle out my debt by putting the money into a trust account that I have full access to monitor for a known period of time, instead of paying interest until I can't anymore or some other crisis presents itself, I'm all in! If your FICO is under 600, who cares?Use your ATM card for a few years and stop living off of credit cards. You'll get more respect after your debt is cleared out.

In the beginning, it was understood that banks owed their success to depositors. They treated you that way and reciprocated by paying you part of the money they made by using your money. Today they act like we need them and must beg for their crumbs. Enough is enough. I say to the Debt Settlement Companies: As long as you are a legit company and you stay with your clients all the way, Git Those Settlements Done!!!!

Ya they help, if you don't need the help then hang up. Don't waste their time, because they won't waste theirs with clueless people that don't understand the debt settlement program. I was ignorant just like that, and then felt silly when my friend told me his story about his success with lifeguard financial. Now hes debt free but kept a couple accounts open to better his credit even more than it already is, which is 690. If you people don't understand and don't want to improve your financial situation just declare bankruptcy, or continue to pay a high percentage of interest over the years so you can remain in a garbage financial state. Cut your debts! makes sense.

attack deleted --- mobile

Great company. They just settled my accounts for halve the debt. 0% interest... they always answered the phones and were respectful to me

Life guard financial is a very reputable company, the way a debt settlement company should work is by accumulating funds into an escrow or trust account (i.e noteworld). once enough funds are accumulated, they can settle the accounts, this is a very legit process and not a scam, but beware of the company you deal with. Make sure they are part of the USOBA(united states organization of bankruptcy alternatives) and the IAPDA (international association of professional debt arbitrators) and also make sure they are reputable with the BBB (better business bureau), lifeguard financial looks like they have all these credentials. Please make sure you ask everything about how the process works before signing up with a settlement company.

Lifeguard Financial out of Florida is about to get linked with Dyer Beech and its owner Eric Rice. This guy is a piece of work. From selling neg am loans, to stiffing hundreds of families of their savings by promising them a loan modification, and now lying to the same people with debt settlement scams from California. This guy should never be allowed to do business anywhere. Their reputation is about to dwindle!

Funny your website bashes your competition this way. Lifeguard Financial has an A- rating with the better business bureau just like you and they are the nicest company in the financial industry I have ever dealt with. I dont think it is fair that you have what you say on your google search.

What does fairness have to do with it? It is what it is and it's great that this thread is one of the top results on Google. It means we are doing our job. Most of the posts in this thread are pure BS posts by unregistered "Guests" who are probably Lifeguard employees. To anyone seeking debt settlement, regardless of who they choose, Caveat Emptor!

its great to see that when searching for a settlement company this site is usually on the first page so i think that is something to be proud of. It shows that this community is doing what its suppost to do by helping others and getting the word out good or bad on a company they are considering. Im proud to be a member of a site that is such a asset to others.

There a solid company. i just went through it. it all depends who you get on the phone. just like any company. some people are there for a check and some are there to actualy help some one.

hello all, im so happy that life guard financial helped me. basically i enrolled in the "program" and they guranteed that my debt will be paid off in 12 months, being that it has been over 12 months that i enrolled i went to a credit bureau website to check my credit report and my credit score not only went up but my balances show 0. who ever says they are a scam are just stupid. go look at the bbb website, they are members of the us organization of bankruptcy alternatives. GREAT COMPANY !! a++++

Dear Big E,
How is everything going now with Lifeguard Financial? I ask because I signed up last month and they just withdrew my first payment. I want to believe they are a reputable company but 1. the fees weren't dicslosed, 2. there was no mention that a complaint could be filed against me and when I contacted customer service they rambled on and I was told that if something like that occurs their legal deparmtent woudl handle it. Howver, the contract does not state that it generally states taht it claims are filed by a creditor the "contract" does not assist. I am really seriously thinking of cancelling my contract.

Is there anyone who has had a good experience (done with program) with Lifeguard Financial??

is this company legit, they called me they are based out of ft. lauderdale fla. I'm dealing with a guy from new york, I need to work with some co. but don't want to get ripped off

i work for lifeguard. i've met the president anthony passero. he seemed genuine when he came in and spoke to us about whats going on out there. debt settlement is just an option. not always the best. i see a lot of people here either bashing them or praising them, the bottom line is that if you want to reduce your debt, they can do it and they wont scam you. obviously you'll ALWAYS have unprofessional telemarketers...these are the people that give salepeople a bad name. but keep in mind, their are good guys too. im sure whoever you are, you're selling something, even if its secretarial services. my anonomous opinion on this company is that they're a decent bunch of guys and gals.

I personally know someone that joined with Lifeguard Financial and they have helped her tremendously. It is a shame that people do not do their homework and bash companies. In a tough economy like today, they are godsent.

Do more research. Anthony Passero served in prison for years.

These are just some scams to beware of. Seriously run the other way, hang up the phone. Anything that Eric Rice is involved in, is nothing but a Joke, but he will take your money fast. He is Evil and belongs in prison. He just closed Dyer Beech, and He has began other business ventures including Lifegaurd Financial. Please BEWARE!

To be involved with Anthony Passero, Eric must be a scammer aswell. Check these guys out. Passero has been in prison before for 1. In addition his company allows you to make your first payment on a credit card that you will enroll into their program. What a scam. Do you think that creditor will settle when that last charge on that card was charged by the same company tring to negotiate on behalf of the client? Absolutely not.

In addition he had to lie to the BBB in order to get a good rating. The BBB gives debt settlement companies a D or F rating out the gate.

In addition he must have lied to his payment processor. Debt management, debt consolidation, debt settlement, and debt negotiation companies are not allowed to accept credit cards.

Fools, why don't you go dig up some dirt and make a living not ripping people off.

And stop calling people with that "in conjunction with experian crap". You buy leads from them... Thats it. They do not endorse or allow you to use thier name.

If you are looking for an ethical debt settlement program keep looking and you will find one. But pleeeeeeeeeeaaaaaaaaassssssssssseeeeeeeeeeeee do not support these scammers.

Use a company that uses a money back guarantee that includes setup fee;s and/or retainer fee;s in the guarantee.

I enrolled with LIfeguard 3 months ago and have already paid off 2 of my credit cards, not to mention the stopping of harrasing phone calls....so far they are great....but who knows what could happen

I enrolled with LIfeguard 3 months ago and have already paid off 2 of my credit cards, not to mention the stopping of harrasing phone calls....so far they are great....but who knows what could happen

I work for a settlement company, which I will not disclose. I can tell you that there are a LOT of settlement companies and most of them are scumbags. I'm an account manager at my company and I often help people get away from their old companies.
I wouldn't use BBB ratings as a good indicator of a good company, companies can sign up and pay a monthly fee to the BBB and eventually get rid of negative feedback on their company. What you want to look for is TASC, they are the only regulatory body int he industry and if a company is a member of TASC it pretty much means that they aren't lying to you and will actually settle your debts.
I am dealing with a woman who is enrolled with Lifeguard, in fact I just got off the phone with her. I've been out of the office for like a week and don't remember too much of the details but we beat their rates and she wants to sign up with our company and Lifeguard is giving this poor (old) woman the runaround and I highly doubt they are going to refun her. If anyone on this forum has any questions you can send me an email.

The more I read the dumber I get. Who is teeling the truth and what are the indicators to get a reputable company to work with?