Lifeguard Financial - What are the debtors saying?

To "the truth"-Lol, I'm a competitor now? Would a competitor suggest negotiating with creditors on your own?

And if people don't listen, then why are you guys wasting your time posting hollow rebuttals everywhere? Obviously, someone is listening, which is why you're responding, trying to save face.

This site is the main reason why I left NDRG. It lead to me investigate, and if you really look around, it's pretty evident that the same people behind Lifeguard are the ones behind NDRG. The checks say Lifeguard(as of Nov 2009), and the training module says Safetrust in it, on the rebuttals page. If you do a Google search on two of their offices, you will see that Lifeguard is still there under the businesses listed. Go on Google Maps, and put in 263 52nd St Brooklyn NY and 714 3rd Ave Brooklyn NY.

About the Facts! gave one of the dumbest explanations ever on why the offices still say Lifeguard. So you admit that the same people who bilked people out of money are under your umbrella now. That's all that needs to be said.

And why did you copy & paste this from the Complaints Board? It looks completely out of place here, especially since none of the issues you're addressing were posted here. Also, everything you said here has been refuted on other consumer boards, so maybe you should just leave it alone already. No reasonable human being can read what I've said(with links provided) and what you've said, and want to do business with you guys.

This is Safetrust/Lifeguard's new contract. They are now a "software company". There are no less then 6 companies listed on the agreement now. Take a moment and read the whole thing if you want a good laugh.

What a joke! Read it......when they sent it over I almost signed it without reading it.

How do you know they are the real deal? What's your experience with them and how did they stop the phone calls which never seem to stop?

JP Penn,

When did they switch to software? I signed up 2 months ago and they told me that there lawyers would handle everything. Does this mean that I'll have to buy a software now? Also, are they switching there company name again? My counselor told me that the reason they switched from Lifegaurd to Safetrust was because attorneys bought the company. Did the attorneys now sell the company?

Sorry for all of the questions, but am trying to make sense of all of this in my head. I too was very skeptical when I signed up with them. My creditors are calling me and telling me that they haven't heard from Safetrust. I only have $84 in my account with Noteworld, although I've been paying over $500 a month. Their webpage and customer service number has changed also.

I'm very worried I got ripped off, CAN SOMEONE GIVE ME ANSWERS???

I am a client and so far the company has been good to me. They however have been bought our by a different company.

I am to a client with them. was served today in fact and got a hold of the legal department on the first try. Been with them for 9 months. trying to work on a settlement right now with a creditor. From my understanding they can't pay a settlement untill the funds are in the account. In the mean time to get rid of the calls you have to send out the Cese and assist letters that you should have recived in you packet when you signed up.

I am a lifeguard/safetrust employee obviously

we are with lifeguard right now and having difficulties communicating with them and seeing any movement in our process. they were so helpful and friendly at first. the lady seemed to really care about us and want to help us get debt free. so the first month they did a two year agreement amount instead of a three year so we had to resign papers and everything got delayed and confused. once we worked it out and got the right amount going it seems that their communication with us and letting us know where we're at with things has been far and few inbetween. anyone have any suggestions for us???

Here is Alex Vilks new identity "Rex Walters". Alex Vilk is now going by the name Rex Walters. Check out his facebook.

facebook.com/search/?q=rex+walters&init=quick#/profile.php?id=768750382&ref=search&sid=614137972.2162899861..1

Add him as a friend or click on the wall for a good chuckle or to see how your settlement funds are being wasted.

Just visit one Lifeguard Financial site lifeguardfinancial dot com,we can see a Attention notice like below...
Please be advised that we are not Lifeguard Financial, the debt settlement company and are not affiliated with that company. Please do not contact us regarding any matters related to that company or debt consolidation
I don't know the original lifeguardfinacial site name,Something wrong

Quote:

Quote:

Quote:

Lifeguard is a debt settlement company. I heard really good things.

"I love Lifeguard Financial....they cured my Erectile Disfunction!!!!"
Paid Testimonial - not indicitive of actual results Consult your doctor before allowing Lifeguard to rip your heart out thru your a**[/QUOTE]

LMAO! well that just made my day

I have been with them for this is my 5th payment. I am currently getting so many calls from creditors and threats of sueing me from letters getting mailed to me. I can get ahold of them in fl. but the branch I work with in PA does not pick up their damn phones. I call 5 to 10 times a day to try and get ahold of someone, I can call FL branch and talk to someone but they always give me the run around.

Noteworld tells me that they are a quailified company cause they wont work with anyone that scams. I am not seeing anything happen...You know what is funny? A credit card I didn't sign up with them, I wasn't able to make payments on and was only behind 2 months...SETTLED WITH ME WITHOUT them / and treated me alot nicer than my other cards that are on Lifeguard.

If I didn't have all that money suck in fees for people do due nothing I would cancel...but I would lose over 1k in money...

Ill see how this goes...but I swear that the first CC to sue me I will personally find out where they are in PA and I dont care Ill cancel...even tho I'll be losing alot of money but this is bull shit...I called Care One and I wish i would have went with them instead of these lying people....

Good luck for all that got scammed by these people...I hope someone will catch these people and get our money back

have any of you who were not satisfied with the company and fired them been able to retrieve the monies that they took from your checking accounts. I spoke with a guy who said they bought Lifeguard and said you could request your money back minus processing fees of about $300.00. You only needed to write a letter. I still have not been refunded. I was never behind but was told that my credit score had dropped and they wanted to help cut my bills in half by lowering the interest rate. I was not told that they wouldn't make the payments to the company until after I'd received letters of indebtedness, threats of being sued for nonpayment. They told me this was to guarantee that the debtors would talk to them they had to withhold the funds to ensure I was at least 90 days past due. The collection calls and letters came before 90days. Now I am out of my money and two bills still have not been paid.

No lates on their accounts ~ then why are your clients encouraged to STOP ,making payments And adding insult to their situations How is that helping their efforts to get out of debt ? What does that do to their Credit rating ? sort of making a bad situation worse aren't you ~ or do you use it as leverage to the Creditor take the deal or they file bankruptsy and you get nothing ! Like the poor guy who lost his home and you got the money

(({Lifeguard Financial sign me up for the so called ???program??? to negotiate my credit card dept at 55% with my lenders. Instead they took $ 13,755.40 doing nothing. I had myself negotiate credit card dept to avoid litigations. Because of the actions of Lifeguard Financial and the intermediate escrow liaison NoteWorl d LLC. I have to stop my mortgage payments and leave my home foreclosed. When I request to close the account they refused to return me my money}))

abc, thats how all settlements occur....you stop payment threaten bk and offer them a lower amount than whats owed. slowly illiminating all the credit card debt they would rather take 30% of the total debt rather than you file bk and they get nothing yes thats how it works and usually when you are in this situation your score its already crap and when you get to that point the last thing that you worry about is that score. your more concerned about your next meal

actullay am currently enrrolled with lifegaurd financial group and there awesome there helping me settle my debt in a RELISTIC time frame ! the harrasing phone called have STOPPED and i can clearly see were all my money is going to ! i have nothing but good things to say about this company ! sure there a little agressive and but i mean i had my mnind set that i would be able to pay of all my debt by my self and with a little push i took a chance it was honestly one of the best decision i have made in my life ! NOT A SCAMMMM

I had to re-post this from another board, because I have not read anything more true than this. Trust me, as a former employee I have met management and this guy hits it right on the head; WHEN Safetrust gets shut down there will be a whole lot of disappointed employees when there funds are frozen. Read below:

Safetrust is comprised of ex felons and uneducated want to be businessmen. They let pretty much anyone who has money behind them sign on as a branch. These ex mortgage and stock broker guys that don't have a clue how debt settlement really works or how to service clients lie to people to steal their money. The majority of their business comes from cold calling credit bureau data with scripts designed by the owners to use deceptive sales tactics to get people to enroll. Essentially, they will get data prescreened by consumers amount of debts and amount of trade lines and it comes along with their contact information. They funnel this data out to their sales floors and it???s a feeding frenzy. This is the equivalent of redlining pretty much where they are targeting precisely the most vulnerable candidates and doing and saying whatever to take advantage. Now, are some people with-in this organization doing things the correct way? yes.. However, the majority of them are not and it will and mark my words will ruin the company until it is eventually put under receivership like the rest by regulatory compliance groups. Debt settlement does and can work for any consumers reading this. The success of the program depends heavily on the disclosure a consumers received up front and also the fee structure the company has in place. Unfortunately, safetrust/lifeguard does not disclose properly nor do they promote a fee structure that has the consumers best interest in mind. I feel sorry for the consumers that enroll but also the independent branches that find out their receivables are locked up and their investment and clients vanish overnight because of ignorant ownership.

My husband recieved a call from some one at Suntrust tonight because he recieve an email from them and he went to their website and filled something out to inquire about there program, when they called they proceeded to tell him to quit making payments and open an account with them and send payments to this account and they would negotiate with the companies for payments. He told the woman now why would I want to mess up my credit score by not paying my bills and he told her no thank you and hung up the phone, a second later the phone rings again it was Suntrust again a man name Mark proceeded to call my husband an uneducated fool, why because he was not stupid enough to fall for Suntrusts scam. When my husband asked where he got his education Mark hung up the phone, please Mark I say your just pissed because you can't scam everyone you scum. By the way the call came from a California area code (949).The first woman who called said they had moved from Flordia to California. I'm sorry to all of the people who are being financially screwed over by this company. Anyone working for this company should be jailed and fed hog shit, Mark!

Correction the company name was Safetrust not Suntrust my mistake.

I would like information about life guard, please, if you hear of anything let me know.
Thank you.

I want to know what happened. I signed up to get help from your program thru enrollment counselor Jimmy Mendez on 09/30/09 and not one of my creditors have been paided. The money from my bank account has been taken out. This is fraud what you have done and I will do a police report and also call BBB.

I have been working with these people for three months. People are telling me they are scaming me. is this true

Yes, Get out!!! They are a scam...I cancelled after 5 payments with no settlments and noone was talking to my crediters.....Cancel tho noteworld and fight them for your money back.....

We need more ex consumers to step up and take charge and take them down!

safetrust isnt a scam. I personally am annoyed at this article because i have been in that program for 7 months now and 4 out of 13 accounts are already settled. Look these guys stopped me from trying to file bankruptcy, and made me realize that its better to do this settlement program and sacrafice my credit for a year or 2, then to file bankruptcy and mess it up for 10 years. I know what debt settlement is, it helped me out with money like crazy. I even went on a cruise with my girlfriend like 2 months ago. So stop all this nonsense, talkin bad about a company that i devoted my money to. This article seems like it was written by a competitor or a mad ex employee that probably got fired, lol. but anyways goodluck to all u people out there. If you ask me, i will definitely referr you to safetrust.

You didn't even send your email to the correct person! The person that wrote the comment was not DUH! Duh! You're an idiot!

I have received a SUMMONS and now FBL's (Lifeguard) phones are not working. I get disconnected every time I push 1 for english.

I want all of my money back from these scam artists.

How do you fight to get your money back?

I sure hope you are right. My husband will kill me if it is a scam!

We have been with "Lifeguard Financial" aka FBL which I am pretty sure means Fucking bunch of Liars! We are wanting to get our money out as most of our creditors have now sued and won verdicts against us, we will be garnished until we are 80. I was told that could get stop and desist orders, only if the creditors agree but that wasn't mentioned in the initial meeting (or the paperwork for that matter) The person who signed us on was working for a lawyer in Florida whom we later got a call from and were told that those people stole his identity and he had absolutely no affiliation with them. He said he would help us and we may have to go to him to get our money back from FBL. I have contacted 5 separate departments including the person who signed us on and NO seems to know how to get the money to stop coming out of our account or how to cancel "opt out" of this program. I can't have the bank do a stop payment because if you will notice the dollar amount is always a penny long or short and never the exact same amount. We have been told to stop it we will need to close our bank account. This is an awful lot of BS to go through and we have lost nearly 4 grand to this with NO results. All we have basically paid is their fees and charges, nothing toward an actual reserve that will help pay off our debt.

What does this mean for me and my wife?

Quote:

DO NOT SIGN UP FOR THESE xxxxxxxx! LOST 3K TO THEM AND NOW I AM BEING SUED BY 2 CREDIT CARDS.
I may as well kill myself cause I will never get out of this....going to try and find a bankcrupcy lawyer this week and hopefully borrow the grand to pay them so i can get these monsters off my back...

Quote:

nelly I NEED TO STOP PAYING THESE PEOPLE ,BUT HOW DO IGET MY MONEY BACK

I need tyo know if owas scammed, do these people accessed or i was scammed. I have paid a lot of money through my banking account . But i can not get hold of them per phone or e-mail .

information on payments

For all of the complaints and responses to the complaints that I have reed. Alllot of people forget several things. 1, When dealing with people money,credit,debt,etc if one little thing go's wrong (they think it was wrong) they flip out and go right to the internet a post complaints with out all the facts.2. The person who said most people do not finish the program is correct.

You people who are in debt and are with a debt settlement company let then do there job, and do not tell then how to do there job. I have been in the business for 8-10 years and have helped may clients (ones that finish the program) and the ones how stop paying you cant help them. Those people need to FOLLOW THE PROGRAM IT WORKS!!

If you go to cnnmoney.com and use the credit card calculator and enter the following. 1. Total balance of each card. 2. Monthly payment. 3. Interest Rate on each card. The click on submit it will tell you how much you will pay in in interest,how much to balance, and how many years it will take you to payoff you debt. You will be amazed,more then 17 years on most cases. Allot of you will die in debt. The debt will out live you, then you will put the burden on family to fix the problem that you could have done in 12,18,24,36,48, 50, (time frame go's by the amount of debt) if you would have been not so closed minded. Most people need help and won't ask for it. You do not need to be the hero. LOSE THE EGO SWALLOW YOU PRIDE AND ENROLL IN A PROGRAM AND FOLLOW THE CONTRACT AND FINISH THE PROGRAM AND YOU WILL BE DEBT FREE and you can start to rebuild your credit. Takes about 2 years to get your FICO score up again.Again make sue you people have all your facts before respond to this posting or complain.

When you dont pay your creditors they get concerned and attempt to collect...All they want is your money...So if you accumulate money in your trust account and it is avail to settle the account that your CREDITOR is offering, where is the scam? i hear the word scam alot but I have not seen one example of a scam? Please someone, anyone explain what the scam is????

Quote:

Quote:

Duh- You are right... The people on here are focussing on minor details of how you are expressing. They should be looking at the message you are trying to put across. Which you are correct. Chances are the person who originally complained got frustrated at the fact that they couldnt wait to finish their program. Debt settlement takes time. If you are in a 3 year program you can not expect to be debt free in 5 months. You must complete the program. If you complete the time frame, but your debts arent settled well then your with a wrong company. But "Duh" is correct. Most people cancel because they believe what their creditors/Collection department(people trained and who make a commission to scare people back into monthly payments that keep them in debt for 40+ Years)

I support you "Duh"

Lifeguard was not bought by FBL Associates, it is in fact cleaning up the mess that was left behind. I should know since I am stuck cleaning that mess everyday.

From reading this post I feel that many of the extremely horrible emails are from competitors trying to trash the company. If that's what you have to do I guess have fun. I own FAST Debt Advisors, LLC and we work in conjunction with FBL and Associates through ESP. I've been to their headquarters and operations facilities multiple times and can tell you that they are staffed with professionals. Yet, just like any other company you will find a bad apple here and there. When found they go away. Anyhow, all the "real" bad press on FBL stemmed from Lifeguard. Lifeguard Financial grew rather rapidly and many unethical affiliates where signed on board. Unfortunately, it took a while to pin point all of the bad affiliates but I can assure you that they are now all gone. FBL now handles all of LGF's past clients in addition to the ESP clients. I've been working with them for a while and they truly do a great job on the back-end. FBL does not do any sales or enroll clients! So for some of you to state that they didn't explain how the fee's were collected and etc really makes no sense. It would be the enrollment company that mislead you if anything. Any how, debt settlement through any means (service, software, or do it yourself) is not for everyone. It is for a select few that truly qualify. If you make to much money or have alot of assets you risk being sued because you truly have the ability to satisfy these debts. If you make to little and can't afford anything, and barely our monthly payment then bankruptcy maybe your option. If you need a professional to help you find which way to go please visit fastdebtadvisors .com or call 877-693-7750.

Quote:

The guy who made the post above (#301) made the copied post below less than a year ago trashing the same company that he is now praising. Hey RICKY LOPEZ, don't you have work to do as the BIG BOSS-MAN of Fast (talking) Debt Advisors? Also, aren't you the BOSS-MAN of a few other debt companies like Managable Debt Solutions? Why do u keep changing your company name? Hiding from someone? Like the AG?!?! I expect a response from you since you just sit around wasting your time blogging. Do your job


Ricky Lopez Replied on 08-31-2009, 10:33 PM
[URL="http://www.debtconsolidationcare.com/forums/newreply.php?do=newreply&p=465481"][/URL]


Sub: #[URL="http://www.debtconsolidationcare.com/forums/showpost.php?p=465481&postcount=145"]145[/URL] The Debt Settlement Savior
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 [URL="http://www.debtconsolidationcare.com/debt-solution.html"]Debt Solutions[/URL], 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.