Good find. I did have to laugh at “CPG reserves the right to modify or discontinue all or part of the service, temporarily or permanently, with or without notice to Client, and is not obligated to support or update the service.”

Steve

TERMS OF USE

PLEASE READ THE FOLLOWING TERMS CAREFULLY.
SCROLL AS NEEDED

The materials located on this Website (the “Site”) are provided by Capital Protection Group Inc. (hereinafter referred to as “CPG”), as a service to Clients to provide training and service with regard to negotiating with your creditors, as well as provide access to training materials with regard to how to repair/restore your credit.

By using this Site, you agree to these terms contained herein. If you do not agree to these terms, do not use the Site or download any materials from it.

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CPG offers our services only with respect to disputed debts, and not to debts that legitimately require payment by Clients. CPG’s services are offered to you, conditioned upon your acceptance, without modification, of the terms, conditions, and notices contained in this Agreement and upon any operating rules, policies, and procedures that may be published from time to time by CPG on this Site (collectively known as the “Terms”). The following additional terms govern your access to, and use of, the service. Your use of the service constitutes your agreement to all such Terms.

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The materials at this Site are copyrighted and any unauthorized use of any materials at this Site may violate copyright, trademark, and other laws. You may download one copy of the information or materials found on CPG’s website on a single computer for your personal, non-commercial internal use only, unless specifically licensed to do otherwise by CPG in writing or as allowed by any license terms which acquired by CPG or are provided with individual materials. This is a license, not a transfer of title, and is subject to the following restrictions. You may not:

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The materials on this Site are intended for informational purposes only. Since we are not attorneys, the materials on this Site are neither intended to be, nor should they be interpreted as, legal opinion or advice. The reader should not consider this information to be an invitation to a client relationship, nor should the reader rely on the information presented on this Site for any purpose, and should always seek the legal advice of counsel in the appropriate jurisdiction.

This Site states that “you can pay just 10% of your debt back”. This is not a guarantee. This Site states “eliminate your debt”. This is not a guarantee. This Site states “eliminate most of your unsecure debt”. This is not a guarantee. This Site states that “come of the creditors you wont pay back anything”. This is not a guarantee. We do not deal with borrowers having secured credit accounts. It is our GOAL to help the Clients negotiate with their unsecured creditors so that said creditors will accept just a fraction of what is owed. It is our GOAL to give access to techniques on how the client can repair their own credit. However, these statements ARE NOT PROMISES. This is a “best efforts” service only and we do not guarantee positive outcome or future results. Savings is based upon balance owed at time of settlement and excludes fees for services rendered. Individual results may vary and are dependent upon such factors as creditor cooperation and the ability to save funds. CPG does not assume any responsibility for accuracy in computing the savings (using the calculator function available on the Site) for Clients using our services. CPG does not assume or pay any debt, and does not provide legal advice. CPG neither acts as your attorney nor replaces your attorney. CPG does not appear in court on your behalf. CPG cannot take the place or supersede the services of a local attorney; it merely supplements your efforts if you have local representation. CPG will not indemnify Clients in case their credit card companies sue Clients, despite CPG’s efforts to avoid litigation. Clients should note that debt settlement may negatively impact credit ratings. Nonpayment of debt may increase interest or fees and cause collection activity, including possible litigation. Read and understand contract terms.

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CPG will enter into contract(s) with attorneys by providing them with the details of your case, and will use their services for negotiations in those States where law stipulates the use of attorneys in debt/creditor negotiations. In such instances, CPG will not be liable for any damages or losses caused to the Client due to the acts of said attorneys.

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PLEASE PRINT A COPY OF THIS AGREEMENT FOR YOUR RECORDS

Sorry for the short response before, I’m out on a motorcycle trip at the moment.

I did just strike through the name of the company you say your Rister is not associated with and the complaint that went with that company.

You also said the name of the company was never anything different but here is were I got confused. The voiceover job posting said “I am reposting this job. I have redone the script (again) and will be emailing you the new script. I have gone back to naming the company THE CAPITAL PROTECTION GROUP” and the comments for other doing work on the project said. ” It is a pleasure to work with Dallas Proper! Robert Carpenter is an excellent manager. I look forward to working with Mr. Carpenter in the future” and “Robert of Dallas Prosper is a perfect professional buyer. It was very lively to work with him. I would love to work with him again.”

Steve

Thank you for your response. I think it certainly gives people a clear answer to items you felt were not correct. So glad you abandon the frienly lien approach.

Thanks for clarifying matters.

Steve

Having your account charge off is NOT some magic benefit derived from a dispute letter. It is a normal function that will happen with/without a letter written by a consumer or anybody else.

Obtaining settlements from creditors, their assignees, or debt purchasers are as available, and at the same reduced rate, without a magical dispute letter or any other magical bean that may be sold to an unwitting consumer.

Your comment appears to imply that “charge off” makes the debt go away or that the creditor will no longer attempt to collect and a consumer is free of the debt. Nothing could be further from the truth. It is likely that the problems have only just begun after charge off.

Settlement for less than the balance is simply the creditor making an effort to lose the least on a defaulted account, matched with the consumers ability to fund the offer.

Settlements for 20% or less are the exception, not the rule. They do happen, but are creditor specific and also situational.

If CPG offers settlement services (which appears to be what is highlighted by them), there is absolutely no need to associate the service with magic beans.

CPG loses credibility by doing so and also risks increased regulatory scrutiny with claims of this nature.

What I don’t appreciate is some of the assertions that make us appear that we are not honest businessmen. See my list below of my concerns.

ASSERTION: This appears to be the address of a shared office space from Intelligent Office

YES, we have an office space that is part of an executive suite office. Lots of businesses do that.

ASSERTION: Company appears to be tentatively named Dallas Prosper and then changed the name to Capital Protection Group

NO, Dallas Prosper was contracted to help set up some things. Capital Protection Group was never “tentatively” named something

ASSERTION: We are newly incorporated

YES, we are newly incorporated but these techniques have been used by the attorneys who helped us set up this program for years. The testimonials are based on clients who have had success with these techniques.

ASSERTION: Picture on the contact us section was photoshopped

YES, many companies put pictures on their site like this. I have removed it though to make sure not to appear dishonest. We are an honest company providing an honest service

ASSERTION: Possibly related to StateCapitalFinancialGroup.com…

NOT TRUE. Captital Protection Group and RAY SCOTT RISTER (yes, he just goes by Scott Rister) have nothing to do with this other company. Factually incorrect. What can I do to prove this to you? Myself and Ray Scott Rister did run 800 BUY KWIK together for years and I know for sure that he was never involved in that other company. Ray Scott Rister was the founder of FIND MOTIVATED SELLERS. He did start a bankruptcy in 2007 due to a divorce but never did finish the bankruptcy. But he is 100% for sure not this other Scott Rister associated with that other company. For sure for sure for sure.

Other points

I HAVE UPDATED the comparison table to put CHAPTER 13. We do mention this in the TERMS.html page but I went ahead and updated it on the page. It is a fact that most people no longer qualify for chapter 7 and that chapter 13 is a pain to deal with and very expensive and very few people actually get through it without giving up

ASSERTION: Cleaner seems to be a violation of the Credit Repair Organizations Act

NOT TRUE. Here is what the site says:
Step 4 in the Capital Protection Group system is THE CLEANER which will give our clients access to the techniques used to raise their credit scores. There is no doubt about it that after you are done settling your debts that your credit reports will be in shambles. No fear because THE CLEANER is here. Having access to a knowledge base of how to handle the credit bureaus is very valuable information.

Steve, all we are doing is giving the client a knowledge base and letting them deal with the credit bureaus on their own

THERE IS ALSO A DISCLAIMER on the site:
Individual results may vary and are dependent on successful completion of program and ability of client to provide negotiation settlement amount when required by creditor. Capital Protection Group does not assume or pay any debt, nor does it provide legal advice. Capital Protection Group DOES offer access to a knowledge base about self-service credit repair methods but DOES NOT perform credit repair for clients. Program not available in all states. Read and understand contract terms before enrolling.

ASSERTION: That we are using the friendly lien method.

NO, We are not using that method. We did look at that method at one point but decided not to use it due to it being bad for the client. Your assertion is just unfair regardless of some posting from months ago. WE ARE NOT USING THAT METHOD!!!

ASSERTION: Some attorney got sued for using the same techniques

I have no idea if that is true. I would assume that at least once that TRADITIONAL DEBT SETTLEMENT COMPANIES has been sued. I would assume that at least one bankruptcy attorney has been sued. YES, lawsuits do happen and will happen but your assertion is somehow that all my clients will fail at this program and that they will all sue me. NOT TRUE.

ASSERTION: Testimonials are actors

YES, the testimonials are read by actors. Most companies do this. We do reference this in our website disclaimers. The techniques that the CAPITAL PROTECTION GROUP uses are not new. Thousands of clients have used these techniques through attorneys or other companies for years. And many or most have had great success.
In response to your input I am contacting the actual clients and having them do their own testimonies. Those testimonies will be posted in a few days.

Mr. Rhodes, I don’t mind being examined or criticized. In fact, I appreciate any input from anyone on how I can make my product or website better. What I don’t appreciate is you lumping me in with other “dishonest” individuals or companies that I have no associations with. I also don’t appreciate you lumping my methods in with other methods which we are not using.

We provide an honest service for clients who simply cannot afford the traditional debt settlement route (which you have to admit is very expensive) and don’t want to sit around and do nothing. We have a BEST EFFORTS CONTRACT that assists the clients in helping them send letters to their creditors wanting full verification of the charges. What has been our experience is that the banks and creditors have so many people behind on their payments that our clients become the “tough ones to deal with” and the creditors are charging those debts off.

On the client contract we do mention that its possible that they get sued and that its possible that they get garnished. Traditional Debt Settlement companies do the same thing on their contracts and some of their clients get sued and garnished. Our program is a 2 year program. We tell our clients to save 20% of their debt over 20 months so that they have some money to settle at that point. WE DO NOT HOLD ANY FUNDS. What we have found with this method of disputing the charges is that many of the creditors after 20 months have charged the debt off and moved on. The remaining creditors can then be negotiated with that 20% the client has saved. Over the 2 year period all we are saying is that this method will be more successful in paying LESS BACK than traditional debt settlement or Chapter 13. We all know that the majority of people who start up TRADITIONAL DEBT SETTLEMENT or CHAPTER 13 NEVER FINISH!! They end up getting sued just like its possible that our clients get sued. In the long run we tell our clients that they do need to pay back some of the money they owe. We all know that many clients end up not doing this do to financial situations and that is too bad for everyone.

Again, I appreciate your input and I hope you reconsider your posting and at least delete some of the assertions which make us look dishonest.

All we want to do is help our clients. And yes, at the same time make a profit. IT’S A WIN WIN for everyone and our techniques and methods work for most clients if the client does their part. I am a Christian man and don’t want to cheat anyone. WE PROIVDE AN HONEST SERVICE FOR AN HONEST PRICE. ITS THAT SIMPLE.

Steve, again, I do appreciate your review and anything that we can do to make our service or company improve for my clients then I am all for that.

Sincerely,
Robert Carpenter
President of the Capital Protection Group
Irving, TX

Just to help others avoid confusion, I asked Frances about uploading the contract John said he had since the comments from Frances and John came from the same ip address. Are you two different people using the same Internet connection? Frances, if so, please pass the message on to John for me.

Steve

You didn’t say which facts were incorrect other than your assertion that I had the wrong Scot Rister, Robert Carpenter pair. Also, I didn’t see the upload of the client contract for me to review. Did you upload it for me?

Steve

I guess in the world of blogging people can say just about anything and get away with it.

I dont know if what you have written is slander but it sure sounds like it.

I’d like to research again any points you feel are not correct. Can you please let me know which ones you specifically feel are not correct?

Since you seem to have a copy of the client contract, can you please upload it here for me to review so I can verify your claims?

You seem to know Scott Rister, if I got the wrong one, where are you saying Scott Rister is out of then?

Thanks for your help.

Steve

I personally have used these exact techniques through an attorney. And they work!!!! MY CREDITORS CHARGED OFF almost all the debt after a couple of years!!!!

You see, ff a creditor keeps receiving dispute letters (as long as they are designed by an attorney and not made by the client) then many times the creditors will just give up on that debt and do a CHARGE OFF.

Also, the Scott Rister that is associated with the Capital Protection Group is not the same Scott Rister that is mentioned in this article. Many of the assumptions and conclusions and facts in this article are just not correct.

The techniques of disputing credit card charges is not new. Attorneys have been helping their clients do this for years. The Capital Protection Group is just bringing these ideas to the marketplace at a very good price.

Hooray for the CAPITAL PROTECTION GROUP!!!

I suppose I can keep myself confined to the “Reservoir Dog”-like description they use for the process.

Silencer:
This is how we can dramatically increase the likelihood that your creditors will sue you.

Fighter:
Sounds like what Hess Kennedy/CLC did by sending in balance dispute letters to creditors-which got them sued. Hess was sure this would get dramatically better settlement results than industry norms. Hess is now disbarred.

Negotiator:
There is a reason no one in the industry touts this kind of result. It is categorically not realistic and a good way to paint a regulatory bulls-eye on your back.

Cleaner:
The bulls-eye just got bigger.

This company having just formed and opened its doors in 2010 (we are 6 weeks in), is already closed. They just may not know it yet…

What a flippin joke.