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Home > Ask The Get Out of Debt Experts > SwiftRock Financial is Settling My Debts. They Said They Took Care of It. I Just Got My Wages Garnished. – Peggy

SwiftRock Financial is Settling My Debts. They Said They Took Care of It. I Just Got My Wages Garnished. – Peggy

“Dear Steve,

Swithrock Financial has supposedly been working on my debts for over a year. I was subpoenaed to court for one debtor and Swiftrock stated that they had taken care of it. I got a notice today (taped to my front door when I got home from work) that my paycheck is being garnished.

Swiftrock currently is getting $523.00 a month from me to handle things and I don’t believe they are doing anything. I received another letter in the mail today from another debtor stating they had purchased my account and demand payment. I’ve been trying to contact Swiftrock and no one has gotten back to me.

What can I possibly do? Should I file bankruptcy? Can I get my money back from Swiftrock (It’s supposedly in a bank account). What can I do with the garnishment?

Peggy”

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The Answer

Dear Peggy,

Wow, it’s a long way from “we took care of it” to getting your wages garnished. To get to a garnishment you would have been sued, lost and then a garnishment approved by the court.

At this point you probably will go bankrupt to kill the garnishment, prevent any additional lawsuits, and stop all collection calls. Bankruptcy will run you about $1,500 for a Chapter 7. I’m sure that is much cheaper than what you paid them.

You can click here to find a local bankruptcy attorney. When you go talk to the attorney you might want to show them this other case against Debt Settlement USA. In this case the bankruptcy trustee went after the debt settlement company for all the paid for services, plus damages.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.

Big Hug!

SwiftRock Financial is Settling My Debts. They Said They Took Care of It. I Just Got My Wages Garnished.   Peggy
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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.
  • Jasonm1222

    Orion Processing is World Law Debt, Swift Rock, Mesa Rock, Topaz Financial, and Clear Your Debt. They are acting only for money, and ruining lives.

    I used to work for World Law Debt (Orion Processing), and witnessed a lot of unethical practices, including the facilitation of embezzlement and willing procurement of judgements against clients. 

    1. A client who was a very elderly lady, but very faithful to the program. OP arranged a settlement with a law office. The paralegal at the law firm who negotiated the settlement with OP directed OP to place the funds in her personal account. OP was not aware that this was a personal account, thus this was done involuntarily. But, once everything came to light, OP did nothing to help their client. This was over 2 years ago, and this client is still in litigation with Capitol One, and her credit score dwindles everyday. 

    2. In June of 2010 OP switched their funds holding bank from Rocky Mountain Bank and Trust to Midfirst Bank. This was a necessary change I was told. OP had many long term settlements set up through RMBT, and these all had to be transferred to Midfirst Bank to ensure the settlements didn’t default. For the most part this was done smoothly with a few exceptions. One of my clients had a 3 part settlement set up, and the final payment of around $300 was due in June 2010. This payment was not made due to the bank change. Once I realized this (October), I called the law firm I negotiated the settlement with to see if they would take the final payment of around $300 to settle the account. This was in October 2010 (4 months after the payment was supposed to have been made), so I was told that it was too late, and the new settlement amount was around $800. Trying to protect the client and the company, I sent multiple emails to the COO, President, Director, and Accounting Manager stating that if we can just make this additional $500 payment, the client wouldn’t get sued, and she will never know about this. I should have told the client immediately, but I was trying to protect the company. I never received any responses to my emails, and this issue is still open. The client received a judgment, and the offer is now up to $1200. I brought this up multiple times in 2010, and 2011, and OP never did anything to correct this mistake. 

    World Law Debt is no better than Swift Rock, Mesa Rock, Topaz, Or Clear Your Debt. The same people are still running things, and they are just as greedy as ever. They pay their employees $10/hr to start, and expect them to handle 300 – 500 clients each. I worked there for 2 years, and was a supervisor when I unethically fired. I know from experience that no one has ever been able to successfully handle more than 300 clients, and really most can’t handle that many. Those who do exceed the 300 client load usually leave for a better job. The salesmen, or “enrollment specialist” will say anything to make you sign up, and then you loose every dime you will put in to the program. They will NOT represent you in court, you will NEVER actually speak to a lawyer in person, and EVERYTHING THEY DO FOR YOU YOU CAN DO FOR YOURSELF. This program can work for certain people who have a lot of money to pay their debts, or people who are uncollectible.

    This company gives no benefits to their employees, 1 week a year of sick time/vacation, and they often threaten to fire people. They even talk of mass lay offs, and reorganizing the entire staff right in front of their entire staff. The morale in this building is very low, and everyone is too underpaid to truly have their client’s best interest in mind. Trust me, I worked their, and the turn over rate is very high, and the longest tenure in the building is less than 5 years. Around 80% of the employees have been there less than one year because of the terrible ethics practiced. 

    Please don’t sign up with World Law Debt. If things are really bad, you will probably have to file bankruptcy anyway, and if things aren’t that bad, then research how you can do this yourself. It is very easy, and you just need to make sure you get every agreement in writing. TX, PA, NC, SC clients are all very well protected, so please research your rights. If you are retired, you are also very well protected, but please do your research as well. 

    I was a supervisor when I was fired. Most of the company was in shock, and still asks me what I could have possibly done. I am a very hard worker, and I worked very hard for Orion, and my clients. I was underpaid, but I needed the job, so I was in no position to combat the company. If you read above, I even tried to protect them when they were acting unethically. I only like things to be fair for all involved. When I was fired for “Gross Misconduct” (still not sure how I got that title) I was told that my entire team was poisonous, and are infecting the entire company. All of those people are still there except one. I am not saying they are poisonous, but upper management did, and used that as justification to terminate me. In the state of TX, when you are fired your prior employer has 6 calendar days to deliver your final paycheck to you in the same manner you have been receiving your paychecks. For me, it was direct deposit. I was fired on 1/06, and finally had to go demand my paycheck in person on 1/16. As a result of not being paid on time, I received 3 over draft fees to the tune of $90. OP has never paid these to me, denied me unemployment after assuring me it would be there for me, and they have furthermore told me that if I am on their rental premises, they will call the cops for criminal trespassing. 

    World Law Debt is Orion Processing. Orion Processing is World Law Debt, Clear Your Debt, Swift Rock, Mesa Rock, and Topaz Financial. The reason they are on their 5th business endeavor is because they keep getting terrible BBB ratings, and law suits, and keep opening new ventures under clean names. Make no mistake, they are the same people, and they haven’t changed a thing. They will take your money, and you won’t get it back. About 20% of all programs go as planned. The rest either end up with judgments, garnishments, bank levies, home liens, or you will end up filling the bankruptcy you were trying to avoid. And, if you sign up with World Law Debt, you will be contributing to the lease payments of the BMW’s and Escalades that upper management gets to drive. 

    DO YOUR RESEARCH AND SETTLE YOUR DEBTS ON YOUR OWN. YOU WILL SAVE THOUSANDS, AND IT IS MUCH EASIER. JUST GET EVERY AGREEMENT IN WRITING.    

    VIA BBB on Orin Processing

    The following describes a pending government action that has been formally brought by a government agency but has not yet been resolved. We are providing a summary of the government’s allegations, which have not yet been proven.

    On February 10, 2010, the Illinois Attorney General filed suit against Clear Your Debt, LLC, Swiftrock Financial, Inc., Orion Processing, LLC, and two managing members, Derin Scott and Shannon Scott. The suit alleges that alleging that the defendants have violated the Illinois Consumer Fraud and Deceptive Business Practices Act by misrepresenting the services they can provide to consumers and the impact that those services will have on consumers’ credit and therefore are engaging in deceptive marketing practices, charging excessive fees and doing little or nothing to improve consumers’ financial standing. The suit asks the court to enter a permanent injunction barring the defendants from engaging in debt settlement in Illinois and order the defendants to pay restitution for aggrieved consumers, civil penalties of $50,000 for violating the Consumer Fraud Act, an additional $50,000 penalty for each violation committed with the intent to defraud, as well as a $10,000 penalty per violation committed against a person 65 years or older. The matter is pending.

    http://www.ripoffreport.com/credit-services/world-law-debt/world-law-debt-orion-processin-45f16.htm

    Ohio sues OP

    http://getoutofdebt.org/28802/global-client-solutions-clear-your-debt-orion-processing-derin-scott-shannon-scott-and-pradeep-nair-hit-with-lawsuit    / This article defaces Pradeep Nair which is a shame. Pradeep is a great person. He was only acting on behalf of Orion Processing.

    Ohio sues OP

    http://cdn2.getoutofdebt.org/wp-content/uploads/2011/06/14115619574.pdf 

    Illinois sue OP

    http://illinoisattorneygeneral.gov/pressroom/2010_02/20100210.html

    50% of Randy Lepley’s 2009 work product

    http://www.ftc.gov/os/comments/tsrdebtrelief/543670-00175.pdf

    Kansas client sues OP

    http://getoutofdebt.org/33620/world-law-debt-world-law-group-orion-process-and-global-client-solutions-sued-in-kansas

    Swift Rock F rating on BBB – 69 complaints

    http://www.bbb.org/central-texas/business-reviews/debt-relief-services/swift-rock-financial-services-in-austin-tx-90041587

    http://forum.freeadvice.com/consumer-contracts-guarantees-warranties-22/swift-rock-scam-501545.html

    • Truth

      Thanks for the Truth. Seems like the same SOP in the dsc I worked for>>>>>

      • Jasonm1222

        There are probably good ones out there, but they all charge so much for stuff clients can do for themselves. Thanks.

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