professional debt consultants

Is this a company name or just professional debt consultants in general?

This is a company name. I found out that they work with Square one debt settlement. Any word on Square One Debt settlement?

Use the search box in the upper right hand corner.

Hi. I am one of the Managing Partners of Professional Debt Consultants. We are a front end company. This means we focus on marketing and sales. We work with Square One Debt Settlement. They are the back end service provider. This means they focus on negotiations and customer service. We work together to provide the best service possible. We are both very reputable companies which you can verify by doing some due diligence. Our job is to explain this program or any other, answer all potential clients questions, look for any problem that could keep a potential client or any one of their accounts from qualifying for a debt settlement program, and, if everything checks out, we act as enrollment counselors. Square One, the back end of our debt settlement program, is the legal, financial, underwriters, negotiations, and customer service. If you were to contact Square One without first enrolling, they would simply refer you back to us or one of their other affiliates to help you determine if this program is right for you.

Please review the following posts before making your choice.

http://www.debtconsolidationcare.com/settlement/square-one.html

http://www.debtconsolidationcare.com/settlement/about55265.html

Please make an informed choice before just jumping into on of these places.

All of the things they say they can do you can do yourself, just do the research. Why should you pay money to have it done for you when you can clean it up yourself.

Something funny I just found. This info was pulled from Professional Debt Consultants website.

Quote:

So understand that your score will DROP and not get better. What most of these companies do it offer to settle each accout for less then owed. Which sometimes is a good thing, BUT you will have bad marks on your credit report of 7 (SEVEN) years after the account is paid off, due to account not being paid in full or paid as agreed. Also you might want to make sure that while you are in the program that all payments will be made on time every month. these companies will allow your accounts to go past due for a couple of months that way they can get a "better" settlement offer for you" But they get to keep they extra money becuase you have already agreed on the price of their service.

I don't really understand what is the point of that comment? Do you find fault in that statement?

In which statement? The statment that says their score will decline during the program? or is it the comment "So the short-term decline in credit score is rarely a problem for clients."
but you fail to mention that the score will stay down with the bad marks for 7 years. 7 years is kind of long term to most people.

I also find it funny that ONE day after this person posts here in these forums all of the sudden you are here signed up and promoting your company.

Wow, the more I did the more I find.
Looks like you (Philipd) are not just the [quote]Hi. I am one of the Managing Partners of Professional Debt Consultants. [/quote] but the owner. Read below

Professional Debt Consultants, LLC
4400 NorthCorp Parkway
Palm Beach Gardens, FL 33410
Phone: (561) 847-7162
Fax: (561) 847-7160
Contact: Phillip Divirgilio - Owner
Business Start Date: 8/14/2006
Licensing
Agency:
Palm Beach Gardens/ Tax Collectors
License Number: 00217128
Status: Active



Square One Debt Settlement, Inc.
1551 Sawgrass Corporate Parkway, #440
Sunrise, FL 33323
Phone: (877) 874-1236
Fax: (866) 330-1496
Contact: David Prince - President
Business Start Date: 9/17/2007
Company ID: 92006150
Licensing
Agency:
Sunrise/Tax Collector
License Number: 8-00015379
Status: Active

Complaint Closing Statistics
The following grid displays the number and responses to complaints over the last 36 months:


No. of Cmpl Type of Response
5 Making a full refund, as the consumer requested
0 Making a partial refund
0 Agreeing to perform according to their contract
0 Refusing to make an adjustment
0 Refuse to adjust, relying on terms of agreement
0 Unanswered
0 Unassigned
5 Total

I don't really think it???s appropriate for you to be making generalized accusations about our program if you are unsure of the details. I can't get into our program here because I will be blocked for attempted sales. For starters some stipulations of the settlement process can include having the clients account marked as "paid in full" or "paid as agreed". I agree there are some unscrupulous companies out there but it doesn't help consumers when you go bashing all companies instead of just the bad ones. For instance, if we get a client better savings than we budget them for, they keep the extra money. It is being held in their account and we would have no access to it. As you can see from the statement you posted from our website we are not trying to lie to consumers about the process. It is not perfect, but for a consumer who has a hardship and is looking for an alternative to bankruptcy it can be a vital option for them to consider.

Yes, I am one of the owners. I have a business partner that is the other owner. Managing Partner is another term for owner in a partnership. I am not trying to promote our company. I was doing some Google research last night. One of our marketing reps was doing some Google research last night. When he typed in Professional Debt Consultants this forum was the third result. He sent me the link and after reading the posts I simply wanted to clarify the difference between front end and back end and who we are and who Square One is. There is no promoting in any of my posts.

For starters I am not bashing anyone, You were the one who came in here and started to promote your company. With you here or with out you here this person would have gotten the SAME information that I provided. When you came in promoting your company I just took things to the next level to bring out as much as we can. So if you want to put that statment onto your website. Quote:

I didn't mean to promote the company. My first post before anything was simply answering her question. The last thing I want to do is offend you. I apologize if any of my posts seemed "sales like". As you can see from my new registration I have never gone on here before. I just wanted to answer her question.

I used to think this firm rocked until they stopped doing anything to my account a year ago. I signed a 27 mo. contract and now 4years later (next month) in debt with 1/2 the creditors STILL no one seems to answer the damn phone & every time I email or have called previously they ignore you. I have stopped payments with my trust fund for the simple fact that if they refunded me today that trust, it would be enough to settle with the creditors I owe my DAMN self!! Anyone have any ideas on some HELP with this incomptent DEBT REDUCTION CENTER?

Lika what firm are you talking about? I think I saw this post in another topic. Please stay on same topic

Yeah you double posted this exact word for word post in this topic. http://www.debtconsolidationcare.com/settlement/mark-satisfied.html
If you are here to make problems then just leave. If you would like to help then post usefull information

Please make sure you are clear. You are not working with Professional Debt Consultants. You are working with Debt Reduction Center. This post does not belong here. You are making it sound as if the bad experience you are having is with us when in actuality you are working with a company I have never heard of.

Do NOT Live up to the contract at all! Contract was for 27 mos. and 4 years later, still have 3 creditors open.

I just want to let you know I am a debt collector for a law firm and even though I am a debt collector I try my best to help people when they have a account in our office. When a debtor tell me that they are with a debt settlement company, I try and reach them asap to see if we can come to some type of agreement on there client account. There is a client of yours I speak to alot because I been trying to get through to you company to reach somebody about your client for over four months, but I was unsuccessful of doing that. When I found another phone for your company, I got a Phillip on the phone. He said that he will see what he can do as far as helping getting this account settle and that was in April. I have not heard from him since, and I been leaving message after message and I have contact the debtor about this and they tell me that they don't even here from your company which is a shame. This economy is bad enough and its:confused: terrible that you will treat your client like this. Something need to be done because if all your client get sued the first thing you going to tell them that we try to do something about and knowing that you didn't do nothing at all.

This company is a total scam. Philip DiVirglio and Henry Conerly bilked me out of over $5,000 and got away with it. Henry Conerly, Philip's former partner, took the high road. If anyone else has been taken advantage of by these two, let me know. I know an attorney who is putting a class action together.

Count your blessings you did not get involved with these people. They are nothing but crooks and at the end, their fees willl have been paid upfront, which is illegal by the way, do a little something with one of your creditors, so they can say they performed per their agreement with you. You will pay their fees month after month and 3/4 of the way though the agreeded upon date of settlement of your accounts, they will disappear. They sometimes use the name, Premier Financial. Also know, they set up a special purpose account in which their fees go and any payments to your creditors, if you get that far. Know that they personally take withdrawals from that account. If it smells like a rat......

Be grateful you are not involved with Professional Debt Consultants. They are crooks and will take your hard to come by money and take the high road as his partner, Henry Conerly, did. Philip DiVirglio, I am talking about you, make no mistake about it. This will catch up with you sooner than later. How could you in good conscience take advantage of people when they are already in deep financial trouble. My advice to anyone reading this, deal with the collection agencies yourself. They will usually settle for 40 cents on the dollar and you are not paying fees to men who are thieves and know no other way to make a living. The collection agencies only want to be paid something and will work with you to set a payment schedule. They do treat you with respect.

They are crooks and will take what little money you may have left, do nothing for you and the end result is you are still in debt and they have their fees. Philip, you can dispute this all you want, but you know what you did. You can lie to yourself, or whatever, but I know you (and he no longer has a partner, Henry Conerly) took over $5600 from me. How do you live with yourself? Deal with the collection agencies yourself. They will usually settle for 40 cents on the dollar and you don't pay fees to a company that will do little to nothing and run with your hard earned cash. The collection companies will treat you respect. All they want is to hear from you and they will settle with you. You don't need PDC or any other credit counseling service.

Philip, I see you are still selling the same old con game. Hard way to make a living I would say. You must have really needed the money you took from me. Couldn't you channel all that energy into an honest way to help people. You know I am 67, have had two strokes and my only child has brain cancer. Could you get any lower? Dispute this all you like, but I know you are a thief.

I don't know what that person said. It sounds like he was complaining about a particular company. Maybe he was taken advantage of by these people and needed to vent. Debt settlement can be done by one's self. Pick up the phone, call the collection agency and they will offer you a fair settlement, usually 40 cents on the dollar, which is nothing more than a credit counseling company could do and you don't pay fees and get a run around for your money.