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WFS Debt Relief – Scam, Complaint, Review, or Praise?

Please share your experience with this debt relief company and provide your review and feedback, in the comments section below.

The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are some potential questions you might be able to provide feedback about.

  • How did you feel about the customer service experience you received?
  • Was the company easy to communicate with before or after you became a client?
  • Did the company respond to your communications promptly?
  • What were the fees charged for the services you received?
  • Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
  • Was the program successful for you and accomplish the goals you had when you entered the program?
  • Did you have a really good experience you can share?
  • Did you have a bad experience you want to share?
  • Is there any other information you’d like people to know that might be considering the services of this company?

It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. But everyone does deserve to have an opportunity to express their opinion, even the debt relief company itself, be it good, bad, or indifferent.

WFS Debt Relief   Scam, Complaint, Review, or Praise?
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Would you recommend WFS Debt Relief to others?

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Which is the Real WFS Debt Office Building?

See comment below to Nick asking him which one is real. I had to post pictures here since I was unable to post them in comments.

I forgot to mention one other thing that’s nagging me a bit. You show a picture of what purports to be your office building on your contact form.

WFS Debt Relief   Scam, Complaint, Review, or Praise?

But the building Google Maps shows at that address is the one below.

WFS Debt Relief   Scam, Complaint, Review, or Praise?

Which is the correct picture of your office?

USBOA Fraud?

While looking into the comments below I discovered that while WFS claims to be “America’s Most Trusted Debt Relief Agency” and a member of USOBA, the Executive Director of USOBA says that they are not a member as they claim to be on their site. – Source

WFS Debt Relief   Scam, Complaint, Review, or Praise?
WFS Debt Relief - Scam, Complaint, Review, or Praise? 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.
  • Jp3223

    These people are THIEFS. From June 2009 to Aug. 2010, I paid them $120.00/month for their services, even they did nothing for my case during that time. Now they are NO WHERE to be find and I am out of all the money that they received from me. Bunch a thief’s.

  • http://GetOutOfDebt.org Steve Rhode

    Nick,

    Since you could never answer who the owner of WFS Debt is, with some help from a friend the mystery has been solved however WFS Debt Relief & Financial Services is not the name of an authorized entity registered to do business in Florida.

    Whitelight Financial Services is a fake name registered in Florida that actually belongs to State Farms Financial, Inc. which was formed August 8, 2007 by Barbara Crager. She served as president till September 16, 2009 when the State was notified that Jeffrey Smith took over as president.

    Most interesting is the fact that when Barbara was president of your debt relief company State Farms Financial, she went bankrupt on April 8, 2008 (Case 3:08-bk-01916-PMG) and stated that State Farms Financial was worth $0. How effective are your services when they couldn’t help your then president?

    She had the usual range of debt, some small collection accounts, student loans, foreclosure, car loan, etc. She listed her employer as Wilson’s Tax Service and said she was a tax accountant.

    Nick, this is not me busting on you. The company you represent, WFS Debt Relief, should at least be registered as a fictitious name with the State of Florida. You should know your company is really State Farms Financial, Inc. and if you are going to have a picture of a big building on your site on your contact page you should make sure it is actually your building. Otherwise you are misrepresenting your services you location, status, and authorization to do business.

    USOBA still wants to talk to you though.

    Steve

    • Steve-o

      please get in touch with me..i have all the info you want, i know all the parties involved personally…

  • http://Website Nancy

    My name is Nancy and Im a local client of theirs and it is truly disgusting that you are insulting a company you know nothing about just to promote your own website. There are hundreds of companies that have taken advantage of people and yet you designed a website to bash a company that has actually helped people. Debra saved me over 3,000 dollars on my taxes last year and I was even invited to one of there fund raisers. My advise to anyone that works for w debt (DO NOT RESPOND TO ANYTHING) Mr Rhodes is simply trying to promote his own website
    Thanks
    Nancy

    • http://GetOutOfDebt.org Steve Rhode

      Nancy,

      I welcome your opinion and feedback. Maybe you can help to clear up the question the company can’t seem to answer, what is the name of their company that is registered to do business in Florida. As far as I can fine they are not registered to do business in Florida and because of that all their contracts are voidable. It’s not bashing the company, making sure they are registered is protecting the consumers.

      In addition, while you are welcome to slam me, but how to you respond to the fact they promote themselves as members of a national trade association USOBA, but they are not. If they are not being truthful about that or their registered corporate name, doesn’t that make you wonder? It does me.

      And you mentioned they invited you to a fund raiser. Fund raiser for what?

      How did they save you taxes? Please don’t tell me they sold you a tax shelter.

      Steve

  • http://Website Nick

    I will speak to my manger and will let him know of this situate and you will be hearing from USOBA. Do you have a Fax number and Phone number ?
    So that I can fax both mine and other Representatives IAPDA Certifications to you

    • http://GetOutOfDebt.org Steve Rhode

      Nick

      No worries USOBA was pretty pissed off you were misrepresenting your membership. I suspect they will be contacting you very soon.

      Why would I want to see your IAPDA certifications?

      Steve

    • http://GetOutOfDebt.org Steve Rhode

      Nick,

      It’s been a whole day. Have you figured out what your State of Florida registered corporate name is yet? Unless I can very you are a registered Florida corporation it appears you are operating illegally.

      I’m still waiting for the address of the building you say is your office building. The other address you gave me is for a one story business park.

      Steve

  • http://GetOutOfDebt.org Steve Rhode

    Update: I was emailing back and forth with the Executive Director of USOBA about a non-related matter, an organization that WFS claims to be a member of (see above at end of post). So while I was chatting with her anyway I asked her if WFS was a member of USOBA as they claim to be on their site. She said they are not and could not locate any member under WFS Debt Relief.

    • http://www.wfsdebt.com Nick

      Why are you trying to make our company look not creditable
      WFS stands for Whitelig ht Financial Services
      The picture above is the building were one the suites that handles our accounting and billing located.
      Our tax preparation and client walk office is
      7855 Argyle Forest Boulevard
      Jacksonville, FL 32244-5598
      We have 2 call centers at 2175 Kingsley Ave orange park FL
      here is a link to show you our BBB rating which is a B+
      http://northeastflorida.bbb.org/codbrep.html?wlcl=y&id=120124281

      And If you contact us and speak to my manger I don’t think he will mind
      giving you our FIN number to show proof we are incorporated.
      We have helped many people What do you have against us?

      • http://GetOutOfDebt.org Steve Rhode

        Nick,

        So what is the address of the building in the picture on your site? The other address you gave me is for a one story office park as well.

        The state of Florida has no registered business under Whitelight Financial Services authorized to conduct business. Is there a different name you are operating under.

        Your EIN is worthless. It is your state registration that is the most important otherwise you have no authority to conduct business.

        Steve

  • http://Website Christine Masia

    After speaking with several different credit places I decided to go with WFS for a couple of reasons. Mostly because of the way they treated me. After a few years of being behind on everything I knew I needed help getting out, every single person I spoke with it WFS treated me with the greatest respect and for the first time an a long time I look forward to the future. There program makes the most since to me. I’m not sending them my money to do what they want. I will be saving my money myself and sending it once a settlement is made.And there is so much more they offer. I know they will be with me clearing up my past dept and will also help me build from there afterwards. I have already had some tough times since starting with them. And they made me feel like I am the most important person to them and got me throught it and back on track.The second reason I choose WFS BBB go check it out for yourself.I would reconmend WFS to anyone and I do.

    Christine

    • http://GetOutOfDebt.org Steve Rhode

      Christine,

      I can find no company registered to do business in Florida under the name WFS Debt. Can you please tell me the corporate name on your contract you signed with WFS so I can confirm they are licensed to do business.

      Steve

      • http://Website Christine Masia

        Whitelight Financial Services, Inc.

      • http://GetOutOfDebt.org Steve Rhode

        Christine,

        There is no company registered to do business in Florida where they say they are located named “Whitelight Financial Services, Inc.”

        Steve

    • Nick

      Mrs Masia,
      Thank you for speaking very highly about us we will continue to provide you this type of customer service. Please don’t be alarmed we are incorporated with the state of Florida. WFS is a DBA to our corporate name. WFS began using a DBA years back when the company was bought out by new ownership and the previous owners had some sort issues I’m not really sure of the situation

      • http://GetOutOfDebt.org Steve Rhode

        Still waiting for you to help me understand what name you are actually registered under. if WFS Debt is your DBA then why is that not made clear on your site and The State of Florida has no such DBA on file.

        Steve

  • http://www.wfsdebt.com Michael C

    Mr Rhodes,
    I’m the assistant manager of WFS’s Consulting department and noticed your site. I would like to answer some of the questions listed above for anyone reading this article.

    Q -How did you feel about the customer service experience you received?

    A – We strive to go above and beyond in regards to customer service. Each client works with 1-3 individuals within our company that way each client gets to know the people there working with and our employees get to know the clients were helping very well. We also touch base with our clients at least twice a month just to discuss there situation and take care of any concerns they may have.

    Q Is there any other information you’d like people to know that might be considering the services of this company?

    A. Many debt settlement companies have between a D-F Better Business Beuro rating When asked about this they will let you know that this is do to the BBB’s unfair rating system and biased toward debt settlement companies. While we feel that there may be a slight biased If a company goes above and beyond for there clients there’s no reason to not have a decent BBB rating. WFS keeps between an B+ to A- rating by making sure any customer concerns are properly taken care of.

    Q What were the fees charged for the services you received?

    A Many companies charge 15-20% and even have additional service charges as well not to mention charging most or all fees upfront. Many do not even begin working on the clients accounts until the client has made 3-5 payments. We begin working on the accounts from the day the starts. Our fees range from 7.5-15% with no service charges and we do not collect all fees upfront. For the fees we collect we offer our clients not only a debt settlement service but also a personal tax consultant that helps our clients with there Tax issues including helping them file insolvency so that our clients are not taxed on money saved from our debt reduction service. We also offer a credit repair program for clients that have completed our debt settlement program so that they can reestablish there credit.

    Q I don’t have a clue if WFS Debt has an affiliate program. Since he suggested it you’d have to ask Nick how they will pay you for new client referrals.

    A Any clients of WFS that refer someone to our agency upon there approval both the original client and new client will receive a check for 50.00 to help with there financial situation

    If you are a client of WFS we would like to hear your experiences in dealing with our company. For anyone looking for possible help with there debt situation WFS offers Free consultations simply fill out the Free Consultation section on our website at http://www.wfsdebt.com. To Mr Rhodes We always like hearing reviews about our company as they help on how we can better serve our current and future clients however we ask you consider revising the title of your page to not include the word S cam next to our companies name as it may give clients the wrong impression about our company.

    • http://GetOutOfDebt.org Steve Rhode

      Michael,

      Can you please explain why your comment and the comments from J Jackson all came from the same computer IP address? One of you is a fraud, which one is it?

      Steve

      • http://www.wfsdebt.com Nick

        Mr & Mrs Jackson are one of my local clients and while they were
        here for there Bi-monthly meeting I asked them to post
        there experiences about our company after noticing your site
        Mr Jackson was under the impression that this was
        our website and this was for the success story page on our
        website. This was obviously a mistake. I will be letting my
        clients know about your site so that they can post
        there opinions I will make sure that there all out of state
        clients. Our Jacksonville office assistant manger would very much
        like to speak to you. How can this be arranged ?

      • http://GetOutOfDebt.org Steve Rhode

        Nick,

        You can have your Jacksonville office assistant manager post his message here.

        Steve

      • http://GetOutOfDebt.org Steve Rhode

        Nick,

        Your mention of a Jacksonville office made me curious to see if you had other offices but when I looked up WFS Debt Relief & Financial Services I could not find a registered company by that name in Florida. I did notice that your domain name is owned by someone called Whitelight Corporation so I looked under that but I could not find an active company in Florida with that name either. I did find a Whitelight Financial Services at the address you list, 2175 Kingsley Ave Jacksonville, FL 32073, but the State of Florida does not show an active corporation by that name either. I give up.

        Help me out, what is the corporate name you are registered as in Florida?

        Steve

      • http://GetOutOfDebt.org Steve Rhode

        Nick,

        Could not post office building picture to comments so I added it above for you to answer.

        Which is the correct picture of your office?

        Steve

  • http://www.wfsdebt.com J Jackson

    Me and My Wife are currently Working with them and we have haven’t had any trouble so far. We get a call from our personal debt consultant once a week for an update. We just paid off our first account a Bank of America account the balance when i enrolled was around 11K it went up to around 12.5 and we just paid it off for 3 thousand something. I went with them over different companies because of the extra services they provide that the other companies i looked into didn’t offer such as a Tax accounting department to help with our taxes. I don’t plan on ever getting in this type of debt again so i cant say i will use them again however I would recamend them to someone looking for a company to negotiate there debts

    • http://GetOutOfDebt.org Steve Rhode

      J,

      Why did you list your website in your comment registration as wfsdebt.com? Are you an employee or affiliated with WFS?

      Steve

      • http://Website J Jackson

        Me and my Wife are clients We don’t have a website so i put theres
        During our weekly consultation our consultant Nick asked that if we were happy with there services would me mind posting a comment and since they have helped us i didnt mind. How long have you worked there? and nick mentioned somthing about some kind of referral thing to make extra money how does
        that work??

      • http://GetOutOfDebt.org Steve Rhode

        J,

        I don’t have a clue if WFS Debt has an affiliate program. Since he suggested it you’d have to ask Nick how they will pay you for new client referrals.

        Steve

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