Lifeguard Financial - What are the debtors saying?

I enrolled with an agent named sheryl in phiadelphia, she gave me all the info I needed. I checked them out on the BBB of southeast flordia and they had a good rating. I've been enrolled for 8 months and in 4 more I will be completely debt free. The first two months were rough but after that it's been fine. Her number is xxx-xxx-xxx. I strongly recomend her!

How many of you people that posted good comments, actually work for this company? Or do you get some type of compensation from lgf?

I have done extensive research on the debt settlement industry and found that Lifeguard financial has by far the best and most trustworthy program available. This is a five (5) star company and I highly recommend them as the most efficiant way to become debt free. God bless them

i find it hard to believe that this company can do what they say. has anyone got what they were told and by this company as have there debt settled at .55 cent on the dollar with no interest? if so how can they do this and why would the creditors accept this?

jbones let me ask you if your choices as a creditor are .55 on the dollar or 0 due to bankruptcy which would you choose.

I read a post within this topic/discussion board stating that Lifeguard Financial was associated with a company named Practical Debt Solutions. After a doing some research, I have discovered that they are NOT at ALL associated. Practical Debt Solutions is ONLY located in the same area of Fort Lauderdale as Lifeguard Financial, however, they are two completely seperate entities with their own unique business practices (which can be identified through a comparison of their BBB rating and amount of complaints within their BBB account). This message is to simply clear up the incorrect information stated throughout this discussion board. I hope this information helps. =)

you are a complete idiot. they are the same company

you are a complete idiot. they are the same company

you are an idiot. they are the same company

Not to be rude but, YOU are the idiot. They are not affiliated with each other in any way.

I'm looking for a part time job and considered Lifeguard Telemarketing. After reading some of the reports you mention and knowing that Fort Lauderdale is home to many boiler room operations, I am hesitant to get involved. Do you know of any legit debt settle operations?
Rock can be reached at [email]er@marinabaycapital.net[/email]

I went for an interview and then was hired to work at lifeguard financial in Manhattan, NY. So this guy in charge Alex Vilk in Manhattan starts to give a meeting to a boardroom of 20 guys, "OUR LEADS ARE THE BEST IN THE INDUSTRY, WE GET THEM DIRECTLY FROM THE CREDIT BUREAUS WITH THE LAST 4 DIGITS OF THE CLIENTS SOCIAL SECURITY NUMBER ... blah blah blah .. and he acts like he's impressing me. I'm new to this, so I listen on.

He then stares down at us and says, "you say, LOOK John Parker, SO I CAN CONFIRM WHO I'M SPEAKING TO, CAN YOU CONFIRM THE FIRST 5 DIGITS OF YOUR SOCIAL SECURITY NUMBER THAT END IN ... and of course the lead says the last for digits, so the client thinks it's legit and gives him the first 5 digits completing their social security number.

So the scam is to lie to the client about having their entire social security number with these credit bureau leads and trick them from the get go.

Alex Vilk is one of the cockiest guys I've met, a man who can find the gumption to think that I'm going to out right lie for him and his company.

Alex Vilk is bound to be gaining the interest of the FEDS and it's too bad that in this day in age, there are still people out there like this guy; preying on the weak.

Anyway, I didn't come back the next day and anyone accepting a call from these people, hearing the same lies should contact their Attorney General. I saw this guy Alex Vilk with my own eyes, he's the geek on their website too. LOL

I went for an interview and then was hired to work at lifeguard financial in Manhattan, NY. So this guy in charge Alex Vilk in Manhattan starts to give a meeting to a boardroom of 20 guys, "OUR LEADS ARE THE BEST IN THE INDUSTRY, WE GET THEM DIRECTLY FROM THE CREDIT BUREAUS WITH THE LAST 4 DIGITS OF THE CLIENTS SOCIAL SECURITY NUMBER ... blah blah blah .. and he acts like he's impressing me. I'm new to this, so I listen on.

He then stares down at us and says, "you say, LOOK John Parker, SO I CAN CONFIRM WHO I'M SPEAKING TO, CAN YOU CONFIRM THE FIRST 5 DIGITS OF YOUR SOCIAL SECURITY NUMBER THAT END IN ... and of course the lead says the last for digits, so the client thinks it's legit and gives him the first 5 digits completing their social security number.

So the scam is to lie to the client about having their entire social security number with these credit bureau leads and trick them from the get go.

Alex Vilk is one of the cockiest guys I've met, a man who can find the gumption to think that I'm going to out right lie for him and his company.

Alex Vilk is bound to be gaining the interest of the FEDS and it's too bad that in this day in age, there are still people out there like this guy; preying on the weak.

Anyway, I didn't come back the next day and anyone accepting a call from these people, hearing the same lies should contact their Attorney General. I saw this guy Alex Vilk with my own eyes, he's the geek on their website too. LOL

I worked in the Fort Washington,Pa branch. What a joke. Alex would come in and tell us that we could make $200k+ a year if we just followed his script. He wanted us to tell these people that we received their file from their creditors. And they would be sued and their wages garnished if they did not enter the program.

The owner Kevin would then call the people that were smart enough to say no and tell them that he was calling from the law office and he works with the attorneys.

Do not deal with these people. Scum...

Looks like LifeGuard Financial has a lawsuit on their hands.....

[email]checkthisoutontheweb@dockets.justia.com[/email]/docket/court-cacdce/case_no-8:2009cv00757/case_id-448233/

Seems like this goes hand and hand with your story about the way they get full social security numbers. Beware people. Seems real sketchy to me. Great decision not going back in there after hearing that from Alex Vilk!!!!
Alex Vilk, this guy Anthony Passero and anyone else practicing business like these sharks will end up going down hopefully sooner than later.

It is truly unfortunate for us people that really need help during these difficult times. How the employees sleep at night knowing they lie to innocent people for a paycheck is beyond me. Karma always wins!

sorry it would not allow me to post the link.
here is what i did...
go to google and type in: lifeguard financial litigation

Look for the article named:
Daniel H Baren v. Lifeguard Financial LLC et al - 8:2009cv00757 ...

click there and you can see

ok so you checked google and found a lawsuit against lifeguard financial I foun 477 lawsuits against macy's are they a scam too? and also the firm suing lifeguard is being sued as well for violations of the fair debt collection practices act because the LAWFIRM suing lifeguard is a COLLECTION AGENCY lol get your facts straight and also Lifeguard financial does business ONLY as lifeguard financial practical debt solutions is a completely different company!!! or is sears macy's too??? look if you do not want legitimate help don't take it but we are here to help those who want it and as for social security numbers exactly what are we going to gain with the social security number of someone with $40,000 in debt and a 500 credit score??? yeah there is an identity worth stealing ROFLMAO get real people. this whole discussion is a bunch of BS.

Explain 41 complaints on the BBB in 1 1/2 years of business looks like the BBB caught on and took your rating.
:?: :?: :?:

seflorida.bbb.org/BusinessReport.aspx?CompanyID=16000703

ok let me see there are 41 complaints. in 12 cases a full refund was made in 1 case a partial refund because 1 of their creditors was already settled. and the rest it was found that we were performing in accordance with the contract. we have never refused a refund, never had an unassigned or answered complaint. If that equals a problem you need to go back to school. The number 1 reason for complaints is a misunderstanding of what debt settlement is. You save money in YOUR trust account in YOUR name. when you have enough to offer a settlement we negotiate with your creditors and send them the settled amount! whoa that is it .... yes that is it. we do not send monthly payments to your creditors we do not have access to YOUR account without just cause for expenditure. IT IS CLEAR IN EVERY CONTRACT WE SEND OUT. I am so sorry to disappoint the naysayers but if you are searching for a scam you are out of luck!!!

This is ridiculous, we have "ex-employess" posting on here claiming all sorts of scandals, as for the person Alex Vilk, I have warned in my previous posts about questionable tactics used by the NY office to get people to stay on the phone. Any seeming malpractice is simply an effort by employees of the NY branch to get as many deals as possible because, as i have said, NY offers substantial bonuses for high sales in a month. As for the BBB complaints and the "lawsuit", do some more research before you post.

this posting is all a bunch of crap about fort washington, there is no Alex Vilk and no owner named Kevin, Who, Why whatever, you have no idea what you are talking about. Lifeguard Financial is a very reputable co and has help thousands of people nation wide. The program works welll for those who need the help. LGF runs a very compliant business and is the ONLY legit settlement co out there.

Florida Profit Corporation
PRACTICAL DEBT SOLUTIONS, INC.
Filing Information
Document Number P07000119434
FEI/EIN Number 261365905
Date Filed 10/31/2007
State FL
Status ACTIVE
Effective Date 10/31/2007

Principal Address
200 SOUTH ANDREWS AVENUE
603
FORT LAUDERDALE FL 33301 US
Changed 01/08/2009
Mailing Address
200 SOUTH ANDREWS AVENUE
603
FORT LAUDERDALE FL 33301 US
Changed 01/08/2009
Registered Agent Name & Address
LOCONTO, R. BRYAN
200 SOUTH ANDREWS AVENUE
603
FORT LAUDERDALE FL 33301 US
Address Changed: 01/08/2009
Officer/Director Detail
Name & Address
Title P
LOCONTO, R. BRYAN
4 WEST LAS OLAS BLVD. SUITE 801
FORT LAUDERDALE FL 33301 US
Title DIR
GORDON, PAMELA
4 WEST LAS OLAS BLVD. SUITE 801
FORT LAUDERDALE FL 33301 US
Title DIR
PASSERO, ANTHONY
4 WEST LAS OLAS BLVD. SUITE 801
FORT LAUDERDALE FL 33301 US
Title DIR
ULLOA, RAFAEL
4 WEST LAS OLAS BLVD. SUITE 801
FORT LAUDERDALE FL 33301 US
Annual Reports
Report Year Filed Date
2008 04/16/2008
2009 01/08/2009

guess you all feel pretty stupid right now, it's amazing how people can fall for this guys bs, you all get what you deserve.

I worked in the NY lifeguard office for 2 years now. there has never been a Alix Vilk...Who is that? The manager there is Pete Redmond. Its clear that this Alix guy is someone who is being hated on. Sad.

How did you work there 2 years when their corporate office has only been around since April 08. You're a liar like the guy who kept calling me!!


Florida Limited Liability Company
LIFEGUARD FINANCIAL, LLC
Filing Information
Document Number L09000008283
FEI/EIN Number NONE
Date Filed 01/26/2009
State FL
Status ACTIVE
Effective Date 04/21/2008
Last Event LC AMENDMENT
Event Date Filed 03/11/2009
Event Effective Date NONE

Principal Address
4 WEST LAS OLAS BLVD., 4TH FLOOR
FT LAUDERDALE FL 33301
Mailing Address
4 WEST LAS OLAS BLVD., 4TH FLOOR
FT LAUDERDALE FL 33301
Registered Agent Name & Address
PASSERO, RICHARD A
4 WEST LAS OLAS BLVD., 4TH FLOOR
FT LAUDERDALE FL 33301
Manager/Member Detail
Name & Address
Title MGR
PASSERO, RICHARD A
4 WEST LAS OLAS BLVD., 4TH FLOOR
FT LAUDERDALE FL 33301

Does anyone that dealt with this company have any positive feedback? My roommate has been with this company for about 7 months, they phone calls are still coming in daily from the creditors, and now summons for court dates. So far, I can't see where they have done anything but take money from her account!!!

The information is from credit reporting bureaus not creditors. The information is shared in attempt to actually help individual consumers (to maintain credit scores and available credit) and creditors who can potentially lose all chances of payment due to bankruptcies of debtors. Unfortunately not every sales person is the same in terms of intellect or honesty. In fact the callers can not see a single account on their monitors only a total debt amount, FICA score and sometimes the last four of your SS#.

The money has to accumulate, sometimes for months, before Lifeguard is able to pay a settlement to the creditors since those are the very funds they are using. In the meantime your credit score does drop as monthly payments are no longer being made. Eventually these amounts are paid off at a tremendous discount which will very slowly help your credit score go back up mainly because your debt to income ratio changes for the better so suddenly. If your friend has already made 7 months of payments then here credit has already been affected so she should hang in there in for the good part since getting out now will just cause her debt to jump back up the 45% (or more) that Lifeguard's arbitrators are getting it reduced for. Any conversations she has with her creditors with promises to pay can actually make an arbitrators job more difficult and delay things so its best to just tell them that her accounts are being handled by Lifeguard and hang up. -kinda like saying Speak to my Lawyer!

I have to say that just because some people are dishonest in how they get the accounts does not mean that the company as a whole is a fraud.
The potential for dishonesty exists in any job where people make a commision so I guess we should no longer have cell phones, lawyers, accountants, satellite dishes, clothing from Macy's or almost any department store, or wear shoes from a shoe store for that matter. There's nothing wrong with commision even Lifeguard fires people for being dishonest.

I received a call from Lifeguard Financial back in Jan, 2009 and after talking to a gal from the Fort Washington PA. office. She educated me on my situation and after i verified the company with the attorney general and the BBB. I decided to sign up. I did a 12 month program with 8 credit cards and as of today 8-19-2009 7 of the 8 accts have been settled and paid in full and i received my satisfaction letters, that leaves 1 more card to be settled which is on track to be paid off by Oct, which is 2 months early :) so that is great. My co worker also joined the program in feb and is also very happy. The hardest part was the phone calls from the creditors for the first 90 days, because they would lie to me and say anything to scare me to pay them money. The calls did stop when Lifeguard said they would. Lifegaurd Financial is the real deal and I would refer them to anyone I know. They really helped me out.

It seems like you provide the same services as LIFEGAURD FINANCIAL. Are you advertising for them?

It seems like you provide the same services as LIFEGAURD FINANCIAL. Are you advertising for them?

Just to let you know the lifeguard office in fort washington did not even open its doors until april so it is impossible for anyone to of talked to anybody in Jan

Buyer Beware. BBB rating down to a C+.

Im not going to speak too much about lifeguard, but my neighbor is with them and loves their program. i do believe it is only for the people who are struglling, meaning, if u are on time and paying your blls with no stress, they are not for you - they are simply a bailout program before bankruptcy.

I am currently involved with a lawsuit against the BBB because the company i used to work for was slandered with their rating dropping everyday due to complaints. What they dont consider is that we were enrolling hundrends of satisfied clietns everyday into our program at this cell phone store. Well, if we had one complaint per day, but 299 happy customers, the BBB will still drop our rating. So they dont take in consideration the % of happy clients, only the complaints. So with respecdt to lifeguard, i know they are a huge nationwide company, so maybe having 45 complaints isnt that bad if they have 20,000 clients, remember that mcdonalds used to have 5,000 complaints until they cancelled the BBB

Debt is a sticky situation to get out of, regardless who is or isn't on your side. I've heard positive things about LendingTree.


adwido.com/view_content?vkey=8b3f743fcaa8160702dec7d869a094b6[/url]

Lifeguard Financial now has a C+ Rating with the BBB and it looks to fall to D with the amount of consumer complaints they have for taking massive upfront fees without performing a service.

Lifeguard Financial scams in States like New York have made it so they can not offer debt settlement in NY any longer.

Sounds like the wrong debt settlement company to work with if you ask me, but what do I know.

more rumors this is ridiculous!!! of course we can offer settlement to NY clients and we charge NO UPFRONT FEES so please spread rumors elsewhere.

What burns me is that the Fort Lauderdale main office is right up the street from the Attorney General's offices in Fort Lauderdale.

Does Bill McCullough wait until the scam reaches a family member before he takes down a company?

My roommate/best friend *worked* at Lifeguard Financial based in Brooklyn, NY. He encountered many shady situations within weeks of working there. He even was given a paycheck very short of what they had proposed to pay him. They had advised him NOT to obtain clients in NY for undisclosed reasons.

On a further note, if you read through this forum it is amazing how the responses defending Lifeguard Financial are proposed. It's almost as if they are hiring consumers to advertise in such forums as this one...

The customer leads that he had received began to repeat quickly; therefore, he felt he was bothering the same people repeatedly. Many claimed to NOT even have the total debt or credit score information that he was given. He has worked at MetLife as well as Merrill Lynch and is a trustworthy man. His first word of advice would be to NOT trust Lifeguard Financial to assist you with your debts.

It is an extremely troubling time; Debt Settlement/Consolidation Companies should be upgrading tremendously to aid all who are in such great need. Please do further research before choosing a financial organization to help relieve the financial burdens in your lives. Make sure the company is a member of the TASC (The Association of Settlement Companies).

HERES THE DEAL LGF HAS GREAT SERVICE. IF THE ASSOCIATE THAT YOU SPOKE WITH WASN'T ON POINT AND YOU WERE NOT SATISFIED THEN HE WAS NEW OR DUMB! DEBT SETTLEMENT: WE DO NOT PAY CREDITORS UNTIL 10% OF EACH ACCT. IS IN THE SAVINGS ACCT YOU SIGN UP WITH. ONCE THAT HAPPENS WE SETTLE WITH YOUR CREDITORS. THEN WE START PAYING THE CREDITORS. THE CREDITORS WILL SAY THEY HAVE NOT BEEN CONTACTED BECAUSE THEY ARE UPSET THEY ARE NOT GETTING THEIR MONEY UNTIL THE SETTLEMENT IS OVER. THATS WHY THEY WILL TALK BS ONLINE AND EVEN TO YOU DIRECTLY BEFORE YOU SIGN UP.

I regret to inform you all that Lifeguard Financial is nothing but a scam. I can tell you this first hand as a former employee who use to work in one of the Florida branches. I feel sorry for all parties involved with these people. Please do not believe any of the lies they tell you. This company preys on innocent consumer like a vulture targets its next meal. They repeatedly call people who asked to have their name placed on the Do Not Call list and never follow up with their promises on the back end. This company also does not enter certain markets like New York because they know prompt legal action will be taken against them. If you don't believe me, ask your Lifeguard Financial representative to explain to you why they can not operate in a state like New York. Or ask him exactly when he received your information about your credit score and your unsecured debt. The person on the other end of the line will not give you a straight answer. You should ask them to explain there fees on the second page of their "service-agreement". They will probably tell you that the 15% is actually the $49 monthly payment fee. This is not true. This company and their cohorts are wolves in sheep's clothing. They even pay their staff to post on forums about how good they are. What other company do you know has a Better Business Bureau rating of an A- that plummets to a C+ by the next week. You use to be able to go to their website lgf101.com and click on the BBB symbol and check out their rating. Since then, they have disabled this function because it was to "easy" for concerned clients to report there fraudulent practices. If these people are harassing you report them to the Better Business Bureau on their website. There main office is in Fort Lauderdale, Florida. If you are a current employee, run like hell. You don't want to be around when the house of cards falls. If you are thinking about joining the Lifeguard Financial team, you are better off paying the bills yourself or filing for bankruptcy.I wish you all the best.

Good Samaritan

This scam company is already in the eye of the Attorney General of Florida and New York. . Call the Attorney General Number. They will explain the deal with LGF and tell you how many complaints have been filed with the AG.

FYI, each complaint filed with the BBB Florida is delivered to the Florida AG.

Indeed it is a very unfortuate situation when a debt settlement company steals money from those who are in need of financial relief. I am a C.E.O. and owner of an ethical debt settlement company. So here is my advise! When seeking a third party to handle your debts please do the following. 1) Check the number of complaints on the B.B.B. 2) Verify that they are members of the U.S.O.B.A. or T.A.S.C. 3) Check if they are members of the I.A.P.D.A. and 4) Find out if they offer a money back guarantee. Here at Manageable Debt Solutions, Inc. we comply with all of the above. Our money back guarantee ensures that if we don't save you money we don't make any. So please do your research because we are one of the five companies that actually offer such a guarantee out of thousands of debt settlement companies. Also, when checking a B.B.B. rating only pay attention to the number of complaints. The reason for this is because the B.B.B. automaticaly rates all debt settlement companies with low rating due to the practices like those above. The true way to rank a B.B.B. listing is by the number of complaints. Also, debt settlement isn't for everyone so make sure your debt settlement company properly qualifies you. Otherwise, you may be put in a worse position than where you started. With MDS we explain everything simply and upfront. No hidden information or charges. So try us out and give on of our Debt Specialists a call. To get our number just google our name and visit our website. If you'd like feel free to ask for me personaly. If I am available I will be more than glad to assist you with your financial hardship. If not I can assure one of my agents will be more than glad to help you out. I wish you and your family the best of luck with your financial situation and hope you choose the right company. Best regards, Ricky Lopez.

I have been dealing with this company for a few weeks now and they keep getting me sign up and I think I have all the answers to the parts that are good and the parts that are bad. Basically they are a debt settlement company and that is what they do is settle debt. What that means is they charge you a 12.95 documentation processing fee and a $49.00 fee each month, the more you settle the more benificial it will be obviously, they claim they can settle your debt for 55% of what you owe. Well in order to make a settlement you have to owe the money and not be currently paid on in order to reach a settlement so that means the money you send to them doesn't go to the creditor it goes in an account to be paid to the creditor for a settlement of debt so while you pay them your bill does not get paid, so your credit score will drop and when you finally reach the payoff point the lawyers will settle your debt and then your credit score will go back up. All cards are frozen, if you bank with an institution that you want to settle a debt with then you will need to close your checking/savings with that bank as that will negatively impact your ability to settle. basically if your credit is already shot then you have nothing to lose but if your in good standing, can still pay your bills and you like the option of being able to open a credit account with 0% for 12 months for opening then this program really isn't for you because what good credit you have will be ruined for the length of the contract, once it is paid off the report will say paid as agreed and your score will go back up, supposedley. I'm still skeptical and have not made a discission yet, If I go with the program then I will save my self approximatly 13,000 in interest but I will have the worst credit score of my life. Don't know what to do. Currently I have a 2.99% and a 3.99% for the life of the loan which are good rates but I here that banks are going to retract their agreement and they can increase my rate regardless if I pay on time every month and so on so if they shoot it up on me then by all means I will wish I settled while the economy sucks and I can get a bail out on the money I owe, I mean we gave it to the banks and they blew it now I have to pay for it, I'd love to stick it back to them for once.

Recently many consumers are receiving telephone calls at home telling them that they have qualified for the ??National Debt Stress Relief Program??, this is a tactic or ??angle?? by many debt settlement companies to hook more clients into their business. These companies call unsuspecting consumers up and tell them that due to their ??declining credit score?? and unsecured debt balance they now qualify for said program.

Bologna, do not get caugth in this ??SCAM??. It is true they have your credit score, approximate unsecured debt balance, telephone number and physical address, but this is all they have; no more. They trick you into volunteering more information based on the information they have; they must be buying consumer lists from someone, who that is I have no idea. Do not give up your Social Security Number for anything in the world.

These people fail to mention the words ??Debt Settlement??, they want to come across as a non-profit agency which they are not, they tell consumers they simply charge a monthly maintenance fee and that it is part of their monthly installment set aside as savings; pure GARBAGE!

Consumers are told there is an average of .45 cents savings per account, meaning the client would end up paying back .55 cents per dollar back to their creditors; GARBAGE. What consumers do not know is that they settle these accounts for close to .40 cents on the dollar and keep the rest to themselves; meaning in fact they are keeping or making a commission for their effort. On their first phone call they tell you there are no up-front fees, but they fail to explain the aforementioned tactic.

Consumers beware, these people hide behind BBB affiliations and several Debt Settlement entity affiliations. Remember, most of these are simply affiliations which these companies pay for.

I would greatly worry if someone called me out of the blue saying they are a ??consumer Advocate Group?? working in direct conjunction with a major credit bureau, if so ask them for the telephone number to the person in charge at the credit bureau and verify with that entity what the person on the telephone is telling you is true.

Once again, consumer beware!

Can you guess what company I'm talking about here?

Every client I have ever signed up at LGF knew exactly what they were going to pay and exactly what we would make.your definition of garbage greatly worries me as I have several clients who have completed their program and all their accounts were settled at no more than .55 on the dollar and yes we told them before they signed up that we would make 15% of their debt amount by settling for .40 if we didn't we would be out of business as would any company that does not make a profit. Let us review..... I call a person whose credit file shows 30k in debt and a fico of 575 I tell them I can offer them a program that will reduce the amount they owe and will hurt their credit score during the process. I tell them that if they are not having trouble meeting their monthly minimum payments they DO NOT qualify. If they wish to see this in writing I send them a contract to review. MANY of my clients have brought their contract to their lawyer or financial advisor and then called me back ready to enroll. I give them my personal number to reach me if they ever have a problem while enrolled. I give them my email address (a corporate email address not personal one) I assist with any questions and make sure they understand debt settlement is NOT the same a credit counseling!!!!!!!!! in the contract which is written in VERY clear english that any 7th grader could understand it states "client agrees to make 1 monthly payment of $507 for 36 months ALL FEES ASSOCIATED WITH THIS AGREEMENT HAVE BEEN INCLUDED IN THE PAYMENT TERMS IN THIS PARAGRAPH!" So I fail to understand how any former employee could possibly assume this is a scam. My email appears in a post in this forum and I have yet to get an email 2 months later from anyone about this message board and let me understand commission = scam so 40% of Americas honest workforce is scamming people because they are paid by commission including every real estate broker, stock broker, & auto sales person. WHAT NONSENSE! LGF is IAPDA registered as well as a member of USOBA If you have visited our corporate office which is EXTREMELY professional you would find we take up 8 floors (no boiler room) and the only lawsuit as mentioned earlier was brought by a person/lawyer who has been found guilty of fair debt collection practices act violations.

I was contacted by someone representing Lifeguard Financial, lgf101.com. When I tried to Google Lifeguard Financial the first site that popped up, I clicked on and that site in the banner stated that they were not lgf101 and gave a phone number to call them about any questions. Now I'm questioning how legitemate this company that contacted me really is.

Quote:

Life guard is a great company to work for ive been there 4months and ive helped alot of people out making sure i read over the whole application from top to bottom making sure each client understands fees and any thing else.I have also spoken to clients that have ben in program for over a year and they were happy.Im sure that eveyone is not goin to be happy with program but do your homework before you sighn with our company or any company.