Remaining issues from Sifxpert

I am almost with the same situation. The most scaring thing is that we don't know if he is still in business or not.

I'm going to utilize a local attorney to work on this further. I will also have them initiate contact to terminate the limited power of attorney with Sif. I can use the funds i would have paid to Sif for his services...I cant wait to see what happens to this guy...

It is very difficult to make out who is real and who is not.
Pardon me for this question, mates.

But were you there at Sifxpert's forum?

If any of you were at his forum and were posting there lately, please email at email removed

I did look at his forum before it was shut down I and I did see a lot of complaints from people begging him to return their calls.

Heard from Sif today...Interesting story about hiring someone to cover while he was away...And the hired hand is the culprit.
You have to hear this one...

What a Bull!!!!

He contacted me too, with a completely different BS story. Must be difficult for James to keep all his stories straight. He is in deep doggie doo-doo.

Would like to hear the version you got...

Hilarious, so he hasn't returned emails or phone calls for 3 months after he personally took all my money out of my account with his signature and endorced in his name as the payeein his and now the story is that he left it up to someone else to take it out of his account and pay the companies that he was suppose to pay in the first place. The poor guy has been robbed. What was police report number on this outradgeous crime? It is almost comical how the stories change.
Soooooooooo, he just didn't bother to check his forum or messages for three months but yet somehow managed to call selected clients throughout this whole time frame, assuring them that everything was being taken care of. I'm sure that those selected clients were clients that were in the process of transfering money into their special accounts for him. Please people, keep James's stories to yourself because I don't think any of his former clients wants to hear them. We just want our money and quite frankly don't care why he took it, we just want it back.

Did James contact you? What did he say? What is his story. When he contacted me last week, the story was his account was wiped out and he served his ex-boss with a major lawsuit and his attoryey suggested him not to open his forum and keep it quiet. Then I have not heard from him again.

His account wasn't wiped out, my bank reversed out of it a duplicate check about 10 days ago for $4500 and if it was, it was himself that wiped it clean after stealing our money. Someone explain why he took our money out of our accounts as himself as the payee instead of our creditors? No matter how many times he changes his story, he won't be able to explain this question away.
He had the time to take our money but no time to do anything else.......how convenient. As for suing his exboss......I believe that was from more than 3 years ago in Florida and I fail to see any relavance with our situation..... unless you call stealing our money to help him pay for his law suit a relavent issue.
We've now got automobile accident laying him up, law suits with his exboss, an employee stealing all of his money.....got any more stories for us Mr. James Lombardo? Like I said, we don't want to hear your stories....sell your BMW, sell your house........and start paying your clients back all of the money you stole from us.

Okay, now those of us who rightfully deserve a refund have two problems. Not only do have have to deal with Mr. James Lombardo. But now we have to deal with some of his clients.
He named names, which wouldn't be appropriate for me to post here, YET.

I had a very in depth discussion with Mr. Lombardo yesterday, unfortunately I talked with him more yesterday than at any other time during our dealings, combined.

Mr. Lombardo said that those who do deserve a refund will get their refund, however it may take some time due to the fact that many of his clients have took it upon themselves not to pay his fees since many know that the situation he got himself into leaves him in a world of trouble.

For those of you who owe him his fee, PAY IT. As far as I see it, those of you who took it upon themselves not to pay Mr. Lombardo his fees because of this mess, well, you are no better than him, YOU TOO ARE THEIVES, you are keeping us that deserve a refund from getting it.

That being said I'm proceeding as planned, I have an appointment with my local attorney and local PD to go after Mr. Lombardo if I don't see a full-refund by 12 Noon CDT today. All my letters and evindence are ready to be mailed to every agency I could think of which includes the FTC, iC3, BBB, Irvine PD, OC DA, CA Attorney General, Local Attorney General, Ripoff Report, LA ABC, producer of 20/20, local attorney for criminal suit, and CA attorney for possible class action civil suit.

IF YOU OWE IT, PAY IT!!! If you deserve some type of refund, well I suggest you hop on this bandwagon as it may be a quick resolution to our problems. Either way, I will fight this until I get my money back, my motivation is not only the money, but to get my family back.

I paid my fees, as a matter of fact when he cashed 4 checks out on 6/25, he already took his fee but never settled my accounts.

James - if you read this, can you contact me? I'm the person who actually did a 3-way call with my bank and your bank for you to be able to cashed the 4 checks total $12,243.
In some way I want to believe James, because when I told him I have $30,000 to settle (someone loaned me the money). He could have taken it all, but he only cashed $12,243 for the 2 accounts he is supposed to settle and his fee.

My marriage is also on a thin line now...please refund my money!

SinkingFast, you certainly have done something strong to get Sif's attention. Was it your inititation to contact him again or he did that himself?

I'm sure that you know the answer to that question, but just to keep you from guessing...I initiated contact.

Still no refund from James this morning, so I'm actually leaving right now to head to my local PD with my attorney.

Wish me luck.

Dear Client of James:
You said James only took $12,243 from your account. You failed to explain if that money ever went to the creditor. Also, as a result of not communicating with you, how many of your accounts went to collections.

Like I said, no that money did not go to the creditor. That's why I'm here to find out. And again like I said if he wanted to take all my $30,000, he could have done it, and run. But he did not.
In some ways, I still hope he has a very good explanation, as SinkingFast was saying about his other clients who did not pay his fees! Or his other clients who gave him bounce checks, and we have to pay the consequences.
Who to believe?

Dear Sinking Fast......... I understood you to say that James told you that he couldn't pay the clients that he stole from because some of his clients stiffed him out of some money for his fees. Sorry but I never got the chance to stiff him out of his fees because he stole all the money out of my account first. So for, I believe this is excuse number 4 or is it #5. Now James says that he can't pay back all the money he stole from their accounts because a few people owe him for some fees.
He's out a few thousand in fees and we are out maybe a few hundred thousand......... doesn't sound right me (hell of an excuse).

Here is James's WRITTEN GUARANTEE:
"We guarantee you will not pay more than 55% of your balances or no fee. Our fees are 50% less than the industry standard.

No set up fees or monthly fees. You should never work with a company that charges a set up fee or a flat rate based on your total debt. You will be sued!

Set up fees prevent you from pre-charge off settlements and will destroy your credit!
If a company charges their fees based on your total debt, you will never get out of debt! What creditor will wait 4 years to be paid?

Contact us to find out why our program has a 100% success rate."

Sounds to me like no one should owe him any fees anyhow, based on his own guarantee. We can only assume that the 55% is an average for each clients accounts. He also in his guarantee, advertises that his company has 100% success rate. He can't settle one of your easy accounts and blow off the rest of your accounts and put your life in shambles and expect a fee for the one account he did settle for you. I can't think of any kind of service related business that could get away with that and since he has a written guarantee, how could he possbly think that we could owe him any kind of fee. If he had a client or two in the past that stiffed him, that doesn't mean he has the right to steal other clients money to make it right. He is a very twisted and sick individual. To do what he has done to people is just about the sickest things I have ever seen.

Dear Client of James:
Maybe he just never got around to steal the rest of your $30,000. Let me see now, "James was such a nice man, he stole $12,243 but could have stolen $17,757 more, if he wanted to, I sure hope he comes back on line so he can fix all the other accounts for me that he screwed up so bad." He sure hope he comes back to you too, then he can take your remaining $17,757 and give it back to me and a few other clients that actually know he is a thief. Dahhhhhhhhhhh, wake up and smell the roses

i'm the another client of james.
he told me that he settled one account and i need to make initial payment for the settlement.
i asked him to send the writen settlement docs but he just took the money from my bank without sending the docs and notice.
i called him, emailed him but no answer for one week until now.
i just want to stay out of him and want to have money back.
how can i terminate this contract and power of attorney?
actually, with all the mess he brought, he is terminating the contract not me, i just want to inform him and want to leave.
please find me the way out of it.

I have search this site for answers to do settlement since last year and finally decided to use James b/c of the recommendation tt i found here. I was financially broke and saved some money for the retainer fee and never hear from him again after i paid it months ago. Very dissapointed and confused. Now my CC a/c have been sent to the CA and not sure what to do. He never reponse to my calls or emails.

What should we all do w/ the settlements ?? do we have to do it by ourselves? it is hard to trust someone else. Are we still in legally in contract w/ James since he is dishonest??Any ideas?? what are the next steps are bf we get sue by CR companies?? Thanks !

SinkingFast- did you get any money back from James? Or you proceeded with your complaints??

Nope, no refund.

Sinking Fast - you said you were going to your local PD yesterday. How did that turn out? James promised you for a refund yesterday?

i will send the contract termination letter and revoke power of attorney notice to sifxpert. i think this is the first thing to do to get away from him. i don't want him to touch any money from my bank and any of my prsonal information.
i 'm planing to contact the creditors to explain all the mess and then trying to have deal with them as best as i can.
also i will send this revoke noice to creditors to prevent from him to use my personal information.
is this right? if i'm wrong please let help me to find the way.

Most of my accounts already went to collection...one just a few days before I called. The CC companies would not bring my accounts back to them and said I had to work with the CAs. I read this board and then sent DV and limited CD letters to the CAs by CMRRR and within a day all the collection calls have stopped. I requested to only be contacted by mail.

I did settle Citi for 38% and Chase for 55% before they charged off. Citi accepted 12 months worth of payments and Chase wanted their money in 4 payments. Those two wiped me clean so I won't have any additional money for settlements until after the first of the year. Hopefully the CAs will give me some time to get funds together and then will agree to settle. Working with the CC companies was easy, but I think the CAs will be much more difficult. I'm hoping that I might be able to get some of the accounts back to the CC companies when I have the money to settle. I hate the thought of sending money to CAs.

Good luck to everyone!

Am i to understand that Sifxpert breached client confidentiality and gave names of clients to other clients because they "owe" him payment for services?

You asked if James broke a condfidentiality law... I believe that is what the poster told us but what other laws hasn't he broken. He is a thief and a crook, no mention of any being a pervert yet but you might as well ad a few more laws broken to his resume. I really don't see any relavance and besides, all James did, was piss off the other client anyhow with his stupid excuses. His numberous stories are getting old.
Like I said before, I just want him to answer why he used his name as the payee for checks he took out of my account, for which he endorsed and put in his account, when the checks were suppose to have gone directly to the creditor and seperate checks were to go to Debtxpert for fees after the creditor was paid and the proper releases were made. He has had 3 months to answer that one simple question and he hasn't bothered to try to answer that question yet....... I would think he could come up with at least 5 or 6 stories....... woops, he has come up with at least that many but none addressed directly to the nuts and bolts of this question.

James,

Had some problems running American Liberty Financial and this is the company that he was kicked out for shady dealings, you can call there and find out why he was fired. All of you that are thinking he is a nice guy, think again. I dealt with him when I worked fopr a San Diego based debt settlement company and you people are not the only ones he has scammed, trust me! He is too full of himself to care about you people, it is time for you to take legal action against this guy before he find a fancy lawyer and gets away with stealing your money!

WoW, nasty stuff, I hope this guy gets what he desrves!

I cannot believe what I'm reading. I almost signed with this guy but decided to try to stay current..

He came across as a straight shooter. What a disappointment... Looks like greed took over him.

I'm sorry for the people he robbed. That's like adding insult to injury.

What happened to people seeking money from James? Did anyone get anything back yet? Or was it a scam to beat up the guy?

"A scam to beat up the guy"??? Are you serious? What is happening is that James Lombardo, aka debtxpert, sifxpert took money from our accounts (myself and many other people) and then hasn't bothered to get back to us in almost 4 months and in the process let all of our accounts that he didn't pay with our money, go into collections. Yes, we would love to beat up on this guy and No, we aren't scamming him, he scammed us to the tune of $100,000 plus and growing.

james lombardo
70 palatine #410
irvine, ca 92612
United States


jamlom561 (@) yahoo.com




james lombardo
1601 west macarthur blvd 4f
santa ana, ca 92704
United States


jamlom561 (@) yahoo.com

go see what he has done with his site forum debthelpcenter dot net what a joke , still trying to squeeze from us

UNBELIEVABLE...well for all of you who where on the fence about James Lombardo...this new SICK cartoon that he posted on his forum should eliminate any doubt...its unfortunate it took so long.

For those of us who are actually doing something about it, it appears we have gotten to him, he is begining to crack. Lets keep the pressure on.

James Lombardo changed the picture on his forum, already. It now shows his prized BMW instead of the anitmated stick drawing of him stabbing his clients in the back repeadedly with a knife and a caption that reads ......"here, I'll help you to shut the f*** up!" I am glad I saved it. Just shows what a sicko, this guy really is.

Well last night, if you were to go to the forum, it had a pop up window. User and log in name required, and it said it would forward you to to debtxpert dot com, and now its changed again hmmmmmmm.

Seems he's trying to pull what REMAINING USERS he can keep under his THUMB and direct them eleswhere. Well it AINT gonna happen with me. I do wish you all kept your emails and every thing he's told you from day one, as I have. P.S. and he slipped out alot of info# to me. Just ran his, and it will pay off for me once I get done with my attorney.

I freaked out and saw that he used to be on this forum board, a huge forum board. He got banned for T.O.S. and more and alot of bad stuff was talked about him, and then It appears he started his own forum. Heres the forum Im talking about, if you cant use the url just go to the actual website and type in sifxpert under the forum page for debt settlement board.

debt-consolidation-credit-repair-service.com/forums/member.php?u=59394

that James worked for. Has anyone done that? I see that one was American Liberty Financial. I googled them, they are still in business. I also read on the blog that they are working deals to help out people burned by James. What was the name of the other company he burned? Does anyone have any info on them? Do you think that Am Lib is going to work with us?

What do you guys think?

Where did you read on blog about another company trying to help James's clients. If anyone has anything about this, I think it would be nice to know. The problem of course is that no one has any money to settle the accounts after James Lombardo, aka sifxpert, debtxpert stole all their money from their account.

I think they are referring to American Liberty Financial. They went fist to Cuffs with Sifxpert when he was employed by them and then they canned him for stealing then. I think that they are putting the word out that they are making special deals for people that got taken by him.

Does anyone have the contact info for ALF? I was screwed by James as well and need to get my remaining accounts settled