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Reliance, Inc. Review

This review is the result of a question from a reader asking about Reliance, inc.

Address:

Frontier Trading Corp Inc (Parent Holding Company)
Reliance Inc
Reliance Mortgage Inc
Reliance Credit
Reliance Trust Title LLC
3940 10th Ave North
Lake Worth, FL 33461 – Source

Website:

re-lianceinc.com is registered to Frontier Trading, Inc and was created on April 16, 2008. It is registered to Rodriguez, Enrique [email protected]

Description:

Reliance Inc. is an established Christian based full service Financial debt solutions service’s company. We operate as a state regulated licensed mortgage company and a state regulated licensed bonded title agency. We have an A+ rating with the Better Business Bureau and we have been in business since 2001. We are also a member of the USOBA We are based out of sunny West Palm Beach Florida. – Source

Management

Enrique Richard Rodriguez, CEO & Founder

Has been in the Sales & Marketing industry for over 20 years and has a solid background in investment banking 15 years on Wall street, Credit counseling, Debt Settlement, Credit Restoration and Mortgages. He has license as Mortgage Brokerage Business & series 7 & 63 as well as a license Bonded title Agent. He has collectively worked for several fortune 500 companies and has demonstrated multi-million dollar production for several organizations. He obtained a BA from Fordham University and is a former USMC.

Michel Telson, Customer Service & Loyalty Manager

Is a multi-million dollar mortgage producing executive, and credit restoration expert. – Source

Deirdre Rodriguez, VP – Source

Company Background

Incorporated by Deirdre Rodriguez, Enrique Rodriguez, Frontier Trading Corp. Inc. is located at 3940 10th Ave N Lake Worth, FL 33461. Frontier Trading Corp. Inc. was incorporated on Thursday, November 01, 2001 in the State of FL. Enrique Rodriguez represents Frontier Trading Corp. Inc. as their registered agent.

Frontier Trading Corp, Inc. has had a series of period of unregistered activity and having to become reinstated three times between incorporation and the time of this review.

At the time of this review I could find no active and registered Florida corporation under the business name of Reliance, Inc. for this address. The only one found that was active was Source.

Contacts

888.241.4044 Toll Free
561.967.5066 Direct
954.414.4334 eFax
561.967.3684 Fax – Source

Relationships

The company claims relationships with:
Frontier Trading Corp Inc (Parent Holding Company)
Reliance Inc
Reliance Mortgage Inc
Reliance Credit
Reliance Trust Title LLC – Source
InfoOnLoans.com – from domain registration and same telephone number as Reliance, Inc. – Source
InfoOnCredit.com – same telephone number as Reliance, Inc. – Source

Interesting Points

Frontier Trading Company appears to have an active and unsatisfied judgment against it. – Source

In my opinion I do have some concerns about this company. Here are a few red flags you may want to investigate further.

  1. The company advertises itself as a “Christian based full service Financial debt solutions service’s company” and I tend to find companies that advertise their religious position tend to use that as a sales tool to provide comfort to potential clients rather than a philosophical approach. – Source
  2. Four of the services the company provides have not had the best track record of being free from frauds and scams. They are foreclosure prevention, loan modification, credit restoration, and debt settlement. Multiple state Attorney Generals’ and/or the FTC have published warnings about these services. – Source, Source, Source, Source

    In my opinion the information presented in their debt settlement page is lacking even the basic warnings and information for a visitor to the page to be able to make an informed decision. What is missing are warnings about lawsuits while in a debt settlement program, the damage to credit, the tax implications and the fact collectors will still call. The page makes no mention about what fees are or the success rate of the company settling all of the debts of a client. – Source

    Reliance, Inc. Review

    The site publishes the service chart above. – Source. The chart does contain what I believe in my opinion to be some inaccuracies. For example, debts in a Chapter 13 can be eliminated for less than 50% and may be completed in three years or less. An unsecured debt consolidation loan from LendingClub.com will be repaid within three years. I am aware of services for all resources listed that allow for online account management. I have no clue what “Nationally recognized customer service and patent-pending technology” means in relationship to the other services. I did a search at the U.S. Patent office but could find no patent or patents in process under Frontier Trading Corp. – Source

    Reliance, Inc. Review

    The company is advertising for sales closers to work for commissions and bonuses to sell debt settlement and mortgages.

    Credit Repair & Service Agreement from Reliance Credit, Inc. – Source

    Broker Business Agreement Contract Reliance Credit, Inc. – Source

    BBB Reviews & Ratings

    Reliance, Inc. Review

    Read the BBB review as of the date of this review.

    Complaints

    There was one interesting complaint I found online.

    I am a Christian who formerly worked at this company! Do not let this company fool you into thinking I am a disgruntled employee.I can easily separate what is wrong and right.

    This company operates under a rating for their mortgage company. For years the owners, Miko and Rich, have maintained a good rating due to the fact the they poorly serviced Latin and Haitian Americans who don’t report to bureaus.

    They have been in debt settlement for less than a year and knowingly opened accounts in several states that are illegal to do debt settlement. Many of their clients are now being sued by their creditors as a result. The partner who brought debt settlement to this company and held all certifications, Jimmy Williams, has left the company.

    All people who worked there with the knowledge of the these facts, have been fired. About half of the clients of this firm are in States that people cant be helped.

    As a former “independent contractor” who worked on the inside, I can tell you this “Christian Company” is anything bet ethical. They have went from an A+ rating to a A- in less than 2 months. A sharp decline can be anticipated. They are deceptively showing a mortgage rating. The have the ability to do mortgages but don’t!

    They also do loan modifications. Several clients have had issues with their processing!

    There are several lawsuits actively being perused against this company that are internal for non payment to its people as well as well as other suits for separate issues.

    Rocky
    West Palm Beach, Florida
    U.S.A. – Source

    Picture of Web Site

    Reliance, Inc. Review

    Reliance archive

    Is This Your Company?

    If this is a review is about your company and you would like to respond to the information I’ve presented here to possibly put it into a broader context or make a correction, please feel free to post your response in the comments section below. I invite you to read my Debt Relief Company and Site Review Policy first.

    Reliance, Inc. Review by

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Berra

    “your are nothing more then profitting from this AS WELL.” WOW, RICHARD… ARE YOUR TRUE COLORS COME THROUGH NOW??? I know I did the right thing, no the Christian thing by reporting your company’s questionable activities to Way FM, and I was soo pleased to hear that BJ contacted you. I hope you cannot scam or hurt anymore families. But what amazed me was your complete lack of knowledge as to the actual situation by the message you left me after speaking with BJ.

    Yes, I signed your clearly unethical contract that basically states you can pull money from my account at certain steps in the process, however this form does not include specific dates, because I was told I had to; there was no other way. I could not give you checks when payments were due or authorize for certain dates. Please ask Miko about this…. Before I handed the signed contract over to Miko, I came to a verbal agreement that I was to be contacted 1 week prior to any funds being withdrawn from my account. I expressed how uncomfortable I was just giving you permission to pull out whenever and MIKO AGREED TO THIS and even called over your assistant and told her as well!!! My gut told me to get it in writing but I was too embarrassed (stupid me), and anyways I was dealing with a Christian man and a Christian company. I trusted you.. what a mistake!

    “your are nothing more then profitting from this AS WELL” WOW!!

    Steve, I don’t know you, but good for you. Thank you for speaking out against this company as well. They’ve gotten away with this for way too long and need to be stopped. They are arrogant and I have not seen an ounce of Christianity from them since my first visit when we had “prayer time” and I saw Bible verses on the wall. After they got my money, everything changed.

    They doubled the price on me, did nothing for months, lied about everythign to me repeatedly, avoided my calls, gave me vague answers when I pressed for status reports, and after I moved on, hired another company & filed a complaint with the BBB, then all of a sudden things started getting done. Now, I’m being called “unChristian” and being accused of “defaming” their good name for telling my experience. Richard, for the record, in order to defame you, I’d have to be making up LIES and I haven’t. Everything I have said here, in other posts and to you and Miko in voice mails is the absolute truth, and nothing but the truth, so help me God.

  • Melissa

    Allegation 1: “Okay, so now I know that Steve is using his website to drive book sales.”

    Answer 1: Any visitor to my site GetOutOfDebt.org will find that I give all of the bowritten to help people with money issues, away for free. Any visitor can download them for free. The books are not available to purchase, they are free.

    Allegation 2: “I notice that Steve is linked to an organization called Myvesta, which claims to be a non-profit.”

    Answer 2: Myvesta was a fully approved and registered IRS non-profit organization I founded in 1994 as Debt Counselors of America and latter changed its name to Myvesta. It closed it in 2006.

    Allegation 3: “Turns out our “guru” is out peddling debt advice and California has shut him down for not complying with California law.”

    Answer 3: I have publicly spoken about the “interesting” interaction we had with the State of California late in 2002. It’s no secret and in fact I outed myself on this. Anyone can read the whole story and how we resolved the very confusing and bizarre issue with California by reading my article at getoutofdebt.org/16877

    Why dont you post and source this information from some public source to support this not your phony would site to is used for profitting

    Allegation 4: “I learn that Steve and his co-founder were forced to resign from the company in late 2003.”

    Answer 4: Not true. If anything, my temporary departure as president of Myvesta could be best described as a sabbatical. I did take one year off as president but continued to serve as chairman of the board. I took the year off because I realized that over the years of founding and growing the non-profit group I had spent more time with the organization than with my daughter who was soon to graduate from high school and go off to college. I wanted to spend more time with her. I returned to my position of President of Myvesta a year latter.

    please provide relevent source

    Allegation 5: “the non-profit charing a $495 enrollment fee and a $200 per month “maintenance” fee.”

    Answer 5: At Myvesta we had a number of programs that were offered. They ranged from simple debt advice to the first ever inpatient treatment center for compulsive spending issues and money disorders. We helped people from finding a job to dealing with tax issues and managing their finances. We had a talented and special staff of experts to assist debtors with professional services. Mediations, Negotiators, Attorneys, Tax Experts, CPAs, Financial Planners, Psychologist, Lending Experts, Human Resources, etc. Some programs had fees for these professional services but no program I remember ever had a $200 a month maintenance fee.

  • http://www.re-lianceinc.com Richard

    Steve,

    If you look at the last compliant that I posted from someone from Nevada you will see that you are recommending some guy Damon Day that isnt even accredited with the BBB and by the way why dont you tell people the truth you make your m oney thru referral and kick backs please dont come across as if you are trying to help and be a good guy your are nothing more then profitting from this as well. I am not going to waste my time any more with you and will do everything possible to write reviews on you as well. I will post these compliants and links to everyone I know and every affliate I know. You are a fraud and everyone should know that about you.

    • http://GetOutOfDebt.org Steve Rhode

      Richard,

      I’m not sure what you are trying to nail me on? I talk about referrals and links at length in the site terms along with advertising. Somehow you think you are trying to out me for something I already talk openly about.

      So, you now threaten to write reviews of me, like you have been doing on RipoffReport.com, on other sites and post complaints of me to everyone you know. I wrote one review, which you won’t discuss professionally, and your response is to write a bunch of reviews about me all over the web. How mature is that?

      But what makes no sense is that you proclaim you have an objection to something I’ve written about you but you refuse to point it out or provide your response to that item. I’ve asked you more than once to point out something I wrote in the review that is not factually true, you don’t. Instead you try to bully and blackmail me to remove the post and now threaten to write B.S. complaints about me all over because you are pissed off that I wrote about Re-liance.

      And Richard, by the way if you keep insisting you are a Christian organization you at least should know that it is spelled with a capital C.

      Steve

      • Melissa

        Allegation 1: “Okay, so now I know that Steve is using his website to drive book sales.”

        Answer 1: Any visitor to my site GetOutOfDebt.org will find that I give all of the bowritten to help people with money issues, away for free. Any visitor can download them for free. The books are not available to purchase, they are free.

        Allegation 2: “I notice that Steve is linked to an organization called Myvesta, which claims to be a non-profit.”

        Answer 2: Myvesta was a fully approved and registered IRS non-profit organization I founded in 1994 as Debt Counselors of America and latter changed its name to Myvesta. It closed it in 2006.

        Allegation 3: “Turns out our “guru” is out peddling debt advice and California has shut him down for not complying with California law.”

        Answer 3: I have publicly spoken about the “interesting” interaction we had with the State of California late in 2002. It’s no secret and in fact I outed myself on this. Anyone can read the whole story and how we resolved the very confusing and bizarre issue with California by reading my article at getoutofdebt.org/16877

        Why dont you post and source this information from some public source to support this not your phony would site to is used for profitting

        Allegation 4: “I learn that Steve and his co-founder were forced to resign from the company in late 2003.”

        Answer 4: Not true. If anything, my temporary departure as president of Myvesta could be best described as a sabbatical. I did take one year off as president but continued to serve as chairman of the board. I took the year off because I realized that over the years of founding and growing the non-profit group I had spent more time with the organization than with my daughter who was soon to graduate from high school and go off to college. I wanted to spend more time with her. I returned to my position of President of Myvesta a year latter.

        please provide relevent source

        Allegation 5: “the non-profit charing a $495 enrollment fee and a $200 per month “maintenance” fee.”

        Answer 5: At Myvesta we had a number of programs that were offered. They ranged from simple debt advice to the first ever inpatient treatment center for compulsive spending issues and money disorders. We helped people from finding a job to dealing with tax issues and managing their finances. We had a talented and special staff of experts to assist debtors with professional services. Mediations, Negotiators, Attorneys, Tax Experts, CPAs, Financial Planners, Psychologist, Lending Experts, Human Resources, etc. Some programs had fees for these professional services but no program I remember ever had a $200 a month maintenance fee.

    • Berra

      “your are nothing more then profitting from this AS WELL.” WOW, RICHARD… ARE YOUR TRUE COLORS COME THROUGH NOW??? I know I did the right thing, no the Christian thing by reporting your company’s questionable activities to Way FM, and I was soo pleased to hear that BJ contacted you. I hope you cannot scam or hurt anymore families. But what amazed me was your complete lack of knowledge as to the actual situation by the message you left me after speaking with BJ.

      Yes, I signed your clearly unethical contract that basically states you can pull money from my account at certain steps in the process, however this form does not include specific dates, because I was told I had to; there was no other way. I could not give you checks when payments were due or authorize for certain dates. Please ask Miko about this…. Before I handed the signed contract over to Miko, I came to a verbal agreement that I was to be contacted 1 week prior to any funds being withdrawn from my account. I expressed how uncomfortable I was just giving you permission to pull out whenever and MIKO AGREED TO THIS and even called over your assistant and told her as well!!! My gut told me to get it in writing but I was too embarrassed (stupid me), and anyways I was dealing with a Christian man and a Christian company. I trusted you.. what a mistake!

      “your are nothing more then profitting from this AS WELL” WOW!!

      Steve, I don’t know you, but good for you. Thank you for speaking out against this company as well. They’ve gotten away with this for way too long and need to be stopped. They are arrogant and I have not seen an ounce of Christianity from them since my first visit when we had “prayer time” and I saw Bible verses on the wall. After they got my money, everything changed.

      They doubled the price on me, did nothing for months, lied about everythign to me repeatedly, avoided my calls, gave me vague answers when I pressed for status reports, and after I moved on, hired another company & filed a complaint with the BBB, then all of a sudden things started getting done. Now, I’m being called “unChristian” and being accused of “defaming” their good name for telling my experience. Richard, for the record, in order to defame you, I’d have to be making up LIES and I haven’t. Everything I have said here, in other posts and to you and Miko in voice mails is the absolute truth, and nothing but the truth, so help me God.

  • http://www.re-lianceinc.com Reliance Inc.

    Dear Steve:

    We at Reliance Inc would like you to take us off of your “Debt Industry Review Report” from your website. We do not appreciate the negativity and slander to our company in a response from a former employee that was discharged from our company.

    We are giving you until Monday, May 10th to take all our information off of your website or we will expose your information on the web.

    http://www.ripoffreport.com/credit-debt-services/steve-rhode-getoutof/steve-rhode-getoutofdebt-org-b4687.htm

    Reliance Inc

    • http://GetOutOfDebt.org Steve Rhode

      Richard, (I can see your name from your email address.)

      Is there something that I posted about Reliance you would like to specifically address?

      You are more than welcome to post any comment you like to clarify any information you feel is not sourced, correct, or you would like to state your position on an issue.

      The information I gathered is all from public sources so I’m not alone in being able to put this information together. I’m not sure you read the review policy on the site. Click here.

      I appreciate bringing the notice of that complaint to my attention. I have now responded to it. I was not aware of it before.

      Would I be safe in assuming that you are actually Enrique Richard Rodriguez, the CEO & Founder of Reliance that is trying to blackmail me to remove my post?

      Reliance claims to be a “Christian based full service Financial debt solutions service’s company” but appears to try to blackmail me to remove my post about them. Call me crazy but that sure doesn’t seem very Christian to me.

      Steve

      • http://www.re-lianceinc.com Richard

        Steve,

        It has become clear to me based on the several reports http://www.ripoffreport.com/credit-debt-services/steve-rhode-getoutof/steve-rhode-getoutofdebt-org-b4687.htm that I have read and can see and the way you go ahead and mask yourself behind this getoutofdbet.org site that you are doing nothing else but lining your pockets from lead generation and thru referal of other debt settlement companies. All I would like to see is for you to be honest about our review. You have been in the same industry and have been profiting from it. We are a true christian based Company that does everything by the books and help 1,000′s thruout the years. I would recommend that you come to my company personally.

        Regards,

        Richard

      • http://www.re-lianceinc.com Richard

        Steve,

        I thought I would also make you aware of this compliant as well, I thought i would do the christian thing and inform you.

        http://www.ripoffreport.com/bait-and-switch/steve-rhode-getoutof/steve-rhode-getoutofdebt-org-6a4fc.htm

        It looks like there are quite a few out there that know your true identity.

        Regards,

        Richard

      • http://GetOutOfDebt.org Steve Rhode

        Richard,

        Interesting. I see you did not bother to read my response to that previous bogus complaint. It looks like all you did was copy the only complaint but skipped my response to it.

        One of the statements made against you in my post that you want to blackmail me to remove is that you are not really a Christian based organization. I think you are proving that by your actions.

        So here is my past response you missed.

        Steve

        First, I’d like to thank the author for noticing that I do exist and I help people for free to find answers and advice through my site at GetOutOfDebt.org. Rather than post a long rebuttal I thought I’d just address the specific allegations raised and let you, the reader, be the judge.

        Allegation 1: “Okay, so now I know that Steve is using his website to drive book sales.”

        Answer 1: Any visitor to my site GetOutOfDebt.org will find that I give all of the books I’ve written to help people with money issues, away for free. Any visitor can download them for free. The books are not available to purchase, they are free.

        Allegation 2: “I notice that Steve is linked to an organization called Myvesta, which claims to be a non-profit.”

        Answer 2: Myvesta was a fully approved and registered IRS non-profit organization I founded in 1994 as Debt Counselors of America and latter changed its name to Myvesta. It closed it in 2006.

        Allegation 3: “Turns out our “guru” is out peddling debt advice and California has shut him down for not complying with California law.”

        Answer 3: I have publicly spoken about the “interesting” interaction we had with the State of California late in 2002. It’s no secret and in fact I outed myself on this. Anyone can read the whole story and how we resolved the very confusing and bizarre issue with California by reading my article at getoutofdebt.org/16877

        Allegation 4: “I learn that Steve and his co-founder were forced to resign from the company in late 2003.”

        Answer 4: Not true. If anything, my temporary departure as president of Myvesta could be best described as a sabbatical. I did take one year off as president but continued to serve as chairman of the board. I took the year off because I realized that over the years of founding and growing the non-profit group I had spent more time with the organization than with my daughter who was soon to graduate from high school and go off to college. I wanted to spend more time with her. I returned to my position of President of Myvesta a year latter.

        Allegation 5: “the non-profit charing a $495 enrollment fee and a $200 per month “maintenance” fee.”

        Answer 5: At Myvesta we had a number of programs that were offered. They ranged from simple debt advice to the first ever inpatient treatment center for compulsive spending issues and money disorders. We helped people from finding a job to dealing with tax issues and managing their finances. We had a talented and special staff of experts to assist debtors with professional services. Mediations, Negotiators, Attorneys, Tax Experts, CPAs, Financial Planners, Psychologist, Lending Experts, Human Resources, etc. Some programs had fees for these professional services but no program I remember ever had a $200 a month maintenance fee.

        Summary: I think you will find the free advice that I provide at GetOutOfDebt.org to be valuable. You can read testimonials from people who know me and have used the site at getoutofdebt.org/testimonials

        Steve

      • http://GetOutOfDebt.org Steve Rhode

        Richard,

        That’s the same link you sent me in an attempt to blackmail me to removing the content about your company. You see to be so anxious to write about me but you failed to answer my questions I had for you.

        “Would I be safe in assuming that you are actually Enrique Richard Rodriguez, the CEO & Founder of Reliance that is trying to blackmail me to remove my post?” Care to answer?

        It’s interesting that the newest complaint about me was posted after I wrote my original response to you where I didn’t bend to your blackmail.

        As I said before, “Is there something that I posted about Reliance you would like to specifically address?

        You are more than welcome to post any comment you like to clarify any information you feel is not sourced, correct, or you would like to state your position on an issue.”

        Rather than have a discussion about the facts of my review, you want to slam me with B.S. complaints. Nice Christian approach.

        So let me ask again, what did I write about you that was not factual?

        Steve

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