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Cyrus Global and American Star Debt Settlement – Watch Out

I received an inquiry from a tipster (send in your tips here) about an email that was being sent out from Cyrus Global that guaranteed debt settlement rates, hedge fund buys the debt immediately from the consumer and includes attorney representation. So I took a quick look into this.

The email also had a link to American Start Debt Settlement to manage customer contacts. – Source

I am assuming that Cyrus Global is a marketing arm and affiliate of American Star Debt Settlement since all the items claimed in the email sent to the consumer are the services American Star Debt Settlement actually claims to provide.

Email Sent to Consumer
Cyrus Global and American Star Debt Settlement   Watch Out

This is certainly not an exhaustive look but its a start and I hope if anyone else has information on these companies to share you can post it in the comments below.

Cyrus Global, LLC

Cyrus Global was registered in California on May 13, 2010 and lists their address in official filings as 3530 Wilshire Blvd, Ste 1060, Los Angeles, CA 90010. That address is actually the office of Malek Shraibati, Esq. The registered agent at the same address is James Yon. – Source

Cyrus Global and American Star Debt Settlement   Watch Out
Cyrus Global Web Site

The Cyrus Global domain name cyrusglobal.net is owned by Vision Consulting, 17595 Harvard Ste c#517 Irvine, California 92614. That address happens to be a mail drop for Pacific Mail.

Cyrus Global and American Star Debt Settlement   Watch Out

The address listed on the email for Cyrus Global, 4007 W. 6th St., Los Angeles, CA 90020 is the storefront seen below.

Cyrus Global and American Star Debt Settlement   Watch Out

Cyrus Global is also running ads for cash advance products. See the add below that ran on RadioKorea.com.

Cyrus Global and American Star Debt Settlement   Watch Out

My Opinion

Run away as fast as possible from Cyrus Global. Not only do they appear to have no experience in debt settlement but they also market cash advance loans. They appear to be totally unqualified to sell debt settlement services.

American Star Debt Settlement

Even though the debt settlement company claims to be located in California at 6942 Ed Perkic Street, Riverside CA 92504 there is no registered company in California under that name.

The domain name for American Star Debt Settlement is owned by Hassan Kassir, PO Box 6099, Irvine, California 92616 and was registered on February 10, 2010 for just one year.

What I did find is that Hassan Kassir also owns FaceFinancial.com that uses the same telephone number as American Start Debt Settlement. The target market for this company is “People and Small Businesses Facing Financial Challenges (defaulting on debt)”. – Source

This is what the Face Financial Site looks like:

Cyrus Global and American Star Debt Settlement   Watch Out

There is no company in California called Face Financial that is registered to do business.

This led me to an American Star Debt Settlement Site asaffiliate.net that is owned by Hassan Kassir at the same PO Box as above.

Cyrus Global and American Star Debt Settlement   Watch Out

Their sales presentation:

Cyrus Global and American Star Debt Settlement   Watch Out

Cyrus Global and American Star Debt Settlement   Watch Out

Cyrus Global and American Star Debt Settlement   Watch Out

Cyrus Global and American Star Debt Settlement   Watch Out

Cyrus Global and American Star Debt Settlement   Watch Out

Cyrus Global and American Star Debt Settlement   Watch Out

My Opinion

While the marketing for this company sounds like what people want to hear, it doesn’t add up. A company that claims such brilliant partnerships with providers should at least be smart enough to be a registered company. Even if they are registered under a different name they should mention it if they are not trying to hide something.

I’m also concerned with the grandiose claims made by American Star with a domain name that was only registered five months ago.

Cyrus Global and American Star Debt Settlement   Watch Out
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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.
  • Jim

    I just discovered that I have been conned by a company called “Debt Restructure Group”.  I first started out with a company called “Cyrus Global” in August of 2011 and when I started doing business with them the mysteriously became Debt Restructure Group.  Why the Feds haven’t caught them yet is beyond me.  They are crooks, scam artists and scumbags.

    • http://GetOutOfDebt.org Steve Rhode

      What do you mean “conned.” Can you please provide some detail about your situation please.

  • Telsahy

    I personally worked there and hated it so much that I left right away. I’m grateful I left that place, they never even payed me my last paycheck! Good luck with anyone dealing with them!

  • Harry

    cyrusglobal.net is a scam

  • Harry

    cyrusglobal.net is a scam

  • Steve Rhode

    Kyle,

    Thank you so much for providing an honest look back at the experience. Interestingly, much of what I identified and asked specific questions about to the company, turned out exactly as I was afraid it would.

    Interestingly while the company argued in comments that none of those items you mentioned were true, your comments revel, they were true.

  • Kyle Hartfield

    Steve,

    First and foremost I want to thank you for exposing scam artist in the debt industry. I have worked in the Debt Settlement/Debt Management industry for the last 5 yrs and still do not understand the need to lie, cheat or steal. This industry is great and does provide help to distressed consumers but also puts food on my families table.

    The reason for my comment is I was contacted by a Hassan Kassir and a Sam Kassir (SAME PERSON) from American Star Debt Settlement/ American Star Lending Corp around the same time last yr. He presented me with the exact Power Point that you have listed. Obviously, at a glimpse it looks wonderful. Consumer gets out of debt instantly (ON PAPER) due to the hedge fund and they offered an extremely high commission split to their affiliates. So we looked deeper, everything came back clean!

    Needless to say we started off small, due to the fact that we had other vendors they (ASDS) were last on the list. The first 5 clients went smooth for the first month so we sent 10 following month. Again, everything went smooth! After the first 3 months I believe had a total of 95 clients with them and thats when everything started hitting the fan.

    At this point we found out that the first 15 clients we actually entered under Hassan’s logins so the commissions were paid directly to him instead of Noteworld paying us directly. Well needless to say while I was sending him clients he was paying the commissions to us in CASH! But that was just the beginning!

    Customer service was not existent! Hassan stated that ESP was supposed to handle that and that the clients just needed to call them(ESP). Every client that was enrolled called and questioned what was going on? Who do I talk to and so on and so-forth! So with a client on the phone I figured that I would get to the bottom of it! We called ESP together, the customer service rep stated that she had no evidence if the client. We then asked if the hedge fund was in fact going to be purchasing the debt received the question “WHAT HEDGE FUND!” To solve this , Hassan took it upon himself to purchase an 800 number and offered that to my clients.

    The 40 hrs of FREE IN COURT SERVICES that would be serviced by FBL was also non-existent. When the first client received a summons they got me on the phone and we called FBL together. Talk about evasive. Needless to say he did not receive his 40 hrs of free service.

    As for the hedge fund, out of the 95 clients and an average of three accounts per client NOT ONE ACCOUNT was ever purchased, The response that I received from Hassan was the the hedge fund will only pick up accounts that they can buy for 10% and they aren’t required to purchase any accounts. Which is the exact opposite from his original pitch.

    All around Steve it was a horrible experience to be their affiliate and my heart goes out to there clients. As for the 95, I reached out to my most successful attorney in the industry and worked out 2% fees and enrolled most of them into a new program and didn’t collect a dime for doing so! Hassan also immediately stopped sending my commissions as well.

    Truly,
    Kyle Hartfield

  • Kyle Hartfield

    Steve,

    First and foremost I want to thank you for exposing scam artist in the debt industry. I have worked in the Debt Settlement/Debt Management industry for the last 5 yrs and still do not understand the need to lie, cheat or steal. This industry is great and does provide help to distressed consumers but also puts food on my families table.

    The reason for my comment is I was contacted by a Hassan Kassir and a Sam Kassir (SAME PERSON) from American Star Debt Settlement/ American Star Lending Corp around the same time last yr. He presented me with the exact Power Point that you have listed. Obviously, at a glimpse it looks wonderful. Consumer gets out of debt instantly (ON PAPER) due to the hedge fund and they offered an extremely high commission split to their affiliates. So we looked deeper, everything came back clean!

    Needless to say we started off small, due to the fact that we had other vendors they (ASDS) were last on the list. The first 5 clients went smooth for the first month so we sent 10 following month. Again, everything went smooth! After the first 3 months I believe had a total of 95 clients with them and thats when everything started hitting the fan.

    At this point we found out that the first 15 clients we actually entered under Hassan’s logins so the commissions were paid directly to him instead of Noteworld paying us directly. Well needless to say while I was sending him clients he was paying the commissions to us in CASH! But that was just the beginning!

    Customer service was not existent! Hassan stated that ESP was supposed to handle that and that the clients just needed to call them(ESP). Every client that was enrolled called and questioned what was going on? Who do I talk to and so on and so-forth! So with a client on the phone I figured that I would get to the bottom of it! We called ESP together, the customer service rep stated that she had no evidence if the client. We then asked if the hedge fund was in fact going to be purchasing the debt received the question “WHAT HEDGE FUND!” To solve this , Hassan took it upon himself to purchase an 800 number and offered that to my clients.

    The 40 hrs of FREE IN COURT SERVICES that would be serviced by FBL was also non-existent. When the first client received a summons they got me on the phone and we called FBL together. Talk about evasive. Needless to say he did not receive his 40 hrs of free service.

    As for the hedge fund, out of the 95 clients and an average of three accounts per client NOT ONE ACCOUNT was ever purchased, The response that I received from Hassan was the the hedge fund will only pick up accounts that they can buy for 10% and they aren’t required to purchase any accounts. Which is the exact opposite from his original pitch.

    All around Steve it was a horrible experience to be their affiliate and my heart goes out to there clients. As for the 95, I reached out to my most successful attorney in the industry and worked out 2% fees and enrolled most of them into a new program and didn’t collect a dime for doing so! Hassan also immediately stopped sending my commissions as well.

    Truly,
    Kyle Hartfield

    • http://GetOutOfDebt.org Steve Rhode

      Kyle,

      Thank you so much for providing an honest look back at the experience. Interestingly, much of what I identified and asked specific questions about to the company, turned out exactly as I was afraid it would.

      Interestingly while the company argued in comments that none of those items you mentioned were true, your comments revel, they were true.

  • Brett Patton Tim Carpenter

    Hey Aaron, I worked at D & A Network Services with you, hope you’re doing well!!! Danny Aguilar, the backer and Brett Shithead (can’t remember his last name) are major scumbags. Anything connected with them is going to be dirtier than a 10 cent hooker in Amsterdam! They found a sleazy lawyer Stephen L Burns, and helped ruin his already terrible reputation, poor stupid Stephen, making a deal with those two assholes.

  • Debbie

    You dont have to go to a debt settlement company like these. I got the same email today but instead of calling them I called the local company here that helps people and its a non-profit company that was recommended to me from the HUD and USDA office. There are people to turn to you just need to make sure they are not asking for money that you could be using to pay of your dept your self instead of paying them. I have learned that is what got me in the mess I am in now. Thank you for posting this on here though. By the way you are right when I read what they wrote trying to discredit you all it did was prove you right you hit a nerve and all they could do is fire back at you but I dont see you asking us for money to read your site or pushing your service on anyone.
    Debbie

  • Wildman5977

    I recieved the email and decided to referance this, My situation is that I have roughly $20,000 in unsecured debt with about $10,000 in credit cards, (4), and one personal signature loan that has a balance of about $9,500, I lost my main job that I had for the last 9 years in February 2009, I have worked two temporary jobs of 90 days since, I have been collecting the maximum unemployment benefits for oregon. I have defaulted on all of the above debt, the personal loan had unemployment insurance that the company, Citifinancial, did not honor.

    I was thinking of using this company, but now that I have read your information there is no way that I will, right now I am just riding out the storm and hopefully I will have another permanant job soon.

  • InFloridaInDebt

    Steve,
    I got the same email and was tempted to contact them to see what they are all about.
    I searched for their phone number and came to you.

    THANK YOU!!!

    I got an attorney to help me with my settlement and found out I can do that myself by readings great sites like yours and getting some manuals/books people offer in some sites.

    A lot cheaper than attorneys and I have TOTAL control of what is going on.

    I have one question if you do not mind, as I could not find the answer for that.

    It is said the negative items can get out of your credit report after some years… 7 or 10 depending.

    If I have credit card accounts that were settled (which in end is a negative item) will it stay in my credit report forever?

    It is not a negative item per se, because it is an account that was settled and not a lien, collection notice.

    I have a feeling that the accounts are permanent, giving the report its “history” and length of time.

    How one can recover of having too many accounts settled for less?

    Thank you for your great work.

    • http://GetOutOfDebt.org Steve Rhode

      The settled accounts will be listed for seven years from the date first reported as derogatory. An account that is settled is a negative entry since the forgiven debt will show as a loss. Also if you are behind on your payments that will show as a negative item.

      As far as rebuilding your credit, follow this advice.

  • Alex

    As a former employee of “D & A Networks,” now “Cyrus Global,” I urge you to take heed and proceed with extreme caution with regards to working with this company.

    For starters, THEIR debt settlement program, through American Star, is really new to them and about only 4 months old.

    It is highly doubtful that any of their client’s settlements have already taken place, as mentioned in various posts by clients, I mean employees.

    Most employees who have worked / work there have been there for less than 6 months, and have agonized trying to get straight-up answers to all the various questions and concerns listed above for months.

    The ”Principals” have evaded them at length and continue to do so. It is all very nefarious, questionable, and concerning.

    The owner, James Kym, not Lym is an extremely shady character and will say/do anything to put deals on his board with no regard for his clients.

    To the employees: Examine the facts, do your diligence, do the right thing and stop hurting people.

    Guard your future and do the right thing. A quick buck could cost you your future and freedom.

  • ms_sheba3k

    The promises really came from Cyrus’ website itself. But here is the ad that was posted:

    Professional Sales People with Debt Settlement Experience Needed ASAP!

    This is NOT your average Debt Settlement Company. The product we offer is like nothing else you’ve ever sold before. This is a far easier close than you are used to. Hourly salary provided to start, and incoming live leads!! Strong Commission structure, OVER DOUBLE WHAT MOST COMPANIES PAY!!

    If you have debt settlement experience, this is a great place for you!

    Strong sales background a MUST, great communication skills a MUST.
    You must provide proof of income (W-2, 1099, paystubs, etc.) to support your sales history.

    Please e-mail your resume if you feel you are qualified for the position.

  • ms_sheba3k

    i am SOOOOOOOO glad i came to this website!! i had an upcoming interview with cyrus. in their ad they made their program sound like the best thing since sliced bread, even though i, too, was wondering how they could accomplish all that they promised.

    i have years in this industry, and would like nothing better than to see these upstarts that know absolutely nothing, nor or trying to, disappear completely off the face of the earth. keep up the good work!

    • http://GetOutOfDebt.org Steve Rhode

      I’m curious now. What was the ad?

  • Patrick

    Thanks for the heads-up folks.

    I recently began clearing up my various debt issues in an attempt to get my life back on the tracks. I received the same E-mail as listed above. Having spent a while helping other Soldiers clear up their own financial issues, I was painfully aware of the numerous fraudulent companies already preying on those of us with unsupportable debt. As soon as I’m done here I will be forwarding this link, the E-mail, and any other information I can find to my old units Financial Counselors.

    Thanks Again.

    Patrick
    Austin, Texas

  • angel

    Greetings….I am so glad that I came and read everything……I recieved the sameeeeeeee email today……………..
    Dear Client, (PLEASE READ CAREFULLY)

    This program has NO UPFRONT FEES & WE WILL and WANT TO BUY YOUR DEBT IN FULL.

    When you consider this option, there are a few things you need to know before you get started.

    Here is a comparison of how our debt settlement is different from any other out there in the nation.

    Our Debt Settlement
    Normal Debt Settlement

    55 cents on a dollar GUARANTEED ! (with all fees included)
    Our Hedge fund buys your debt – you will see results in months! NOT years.
    Free Attorney hours – We will defend you in court if you are summoned.
    Set fees
    No Power of Attorney

    No Guarantees
    Up to 3-4 years of credit score wreckage.
    No legal help.
    Altering fees for their benefit.
    Client risks everything…

    We are contracted with the only debt settlement company in the country that uses their own money (interest free!) to settle your debt in advance based on a promise that you will pay them back with a monthly payment you can afford .

    This program has NO UPFRONT FEES and NO HIDDEN FEES. There is NO COST OR OBLIGATION to find out more today. Get the facts and take action now!

    CALL TOLL FREE 800-380-0184

    Email us: [email protected]

    Cyrus Global, LLC.
    4007 W. 6th St. Los Angeles, CA 90020

    This is an advertisement.

    • http://GetOutOfDebt.org Steve Rhode

      What state are you located in and had you contacted them before for information or requested information?

      Steve

      • Marc

        I too have just recieved the same email for Cyrus Global. I live in Florida

      • http://GetOutOfDebt.org Steve Rhode

        In light of the new FTC telemarketing sales rules that regulate debt settlement, if I apply the Cyrus Global sales message against the new regulations, most of the claims they make would not be allowed moving forward. I’m sticking with my Watch Out assessment.

        Can you post the body of the email advertisement you received in the comments so I can see if it has changed?

        Steve

  • http://www.maxwelllegal.com Charlotte Bankruptcy Lawyer

    All in and all this why consumers need to consult with Attorneys about their financial situations. As attorenys we are held to a higher standard and can achieve alot more than these fraudulent debt settlement companies

  • Aaron

    I worked with this company briefly under it’s former name “D & A” Network Services at the Wilshire address listed above in this posting and decided to quit when they moved and changed the name to cover their tracks. It was obvious to me that the whole thing was a sham as no one could get straight-forward answers regarding any of the above-mentioned entities or afilliates. These guys are liars and cheats. Let the debtor beware. Stay away!

    • Brett Patton Tim Carpenter

      Hey Aaron, I worked at D & A Network Services with you, hope you’re doing well!!! Danny Aguilar, the backer and Brett Shithead (can’t remember his last name) are major scumbags. Anything connected with them is going to be dirtier than a 10 cent hooker in Amsterdam! They found a sleazy lawyer Stephen L Burns, and helped ruin his already terrible reputation, poor stupid Stephen, making a deal with those two assholes.

  • An employee of Cyrus Global

    Hi Jon…oh, I mean R#@*. We know you started all of this up because you were fired. If you truly felt the way you say you do, then you would have walked away. We are an upstanding group. It is quite vengeful of you to start this and now publicly rant about a company simply because you were fired. I also do not think it is right for you to speak on behalf of all of the Cyrus Global employees. We are all positive and happy to help people. I know there seems to be a lot of hearsay on our program not being legitimate, if that was the case the FTC would have shut American Star down months ago. We do not have a single client who feels unhappy or deceived. As I recall, you were the one falsely pitching people when we were told straight up,”there is nothing to lie about, so be sure to provide full disclosure about the settlement process and the American Star program.” It is one of the better programs out there because it DOES provide the possibility of the debt being purchased by a buyer and clearing up the credit faster. Debt Settlement is for those that do not want to do a bankruptcy, but are not able to do a consolidation either. I, personally wish you the best and ask you to please stop the nonsense.

  • Jon

    Wow, Steve, I have been on this website numerous times, both as someone who has worked in the industry for a short while and also because I find your posts and the information EXTREMELY helpful. I am very, very impressed with the information and research here and I am just itching to post my .02 here…

    OK so here goes. This Debt Settlement company upstart is just one of TONS out there that are operating in this matter and as I educated myself on the pitfalls and advantages of working in this industry, I found myself meeting a number of folks who opened up to me. Most disturbing is that I was meeting a lot of young upstarts with money (most likely ill-gotten from their past in the mortgage industry) who were starting up Debt Settlement companies, in their parent’s storefront (looks like this one in L.A.’s Koreatown), their basement, etc. One guy in Los Angeles used to work for a very, very large auto dealership still in existence on Van Nuys Blvd. When I interviewed with his company he had converted one of their now-closed auto dealerships in another area into a call center and was offering walk-in Loan Mods and Debt Settlement! He had confided,”yeah, yeah we have an attorney, but they (the customer) is going to get screwed and has to pay up most of the debt anyway” He then proceeded to take a call while I was in the interview and in Farsi started rattling some info in Persian. I thanked him for my time and fled. 2 months ago I drove past the call center, and the dealership had a “For Lease” sign in front…

    I was an English major looking for a job to make ends meet after I graduated, I ended up in this industry and I cant begin to tell you how many companies I ran into that intentionally did what I believe was illegal. This company you mention pays its workers their commissions over an unbelieveable 12-month period. And although they offer a draw, you cannot take your residual commissions with you if you decide to leave. This is tantamount, from a salesperson’s point of view, to indentured servitude! No credible sales rep, from a strictly SALES point of view would ever work for a company that paid out such ridiculously low amounts. They also brag about being the highest paid in the industry…I have heard some places pay 3% so once again that is a lie. I think one of the reasons why this company is so quick to reply to your posts Steve is because they cant retain workers and thus have nothing better to do with their time than to reply with fake posts and lie. I personally don’t think this company will survive but kudos to you for exposing those who think that they can just come into an industry from wherever and throw money into a business and industry they have absolutely no right to be in. I know you are not a fan of debt settlement, and as soon as I publish my screenplay I’m outta here LOL.

    • http://GetOutOfDebt.org Steve Rhode

      Jon,

      Thanks for taking the time to comment and share your experience. When you said “This company you mention”, which company did you mean, Cyrus Global or American Star Debt Settlement?

      The ultimate irony here is that I’m not against the practice of ethical debt settlement done right and in limited situations.

      Let me know when you get your screenplay published. I’m hoping it will be a remake of Boiler Room but focused on the rouge debt settlement industry. Be sure to include a scene just like this one or maybe this one.

      Steve

      • Jon

        I believe I had worked for Cyrus Global, and I wasn’t very good at it. There were a thousand names I was working with, and I believe their contracts had various companies, all of which you mention ie ESP (notorious), I was so confused I know that American Star was never mentioned in the pitch. There was another company thru which they sent emails, called Armored Knight? Maybe because it wasn’t a reputable company to begin with. BTW, another thing, no one there can accurately explain to you what a hedge fund is or does as it pertains to Wall St. and its relationship to debt settlement.

      • Chip

        You are absolutely right about wanting to know who the hedge fund is. This is not anywhere in the contract from American Star. I know this because we signed up as an affiliate of them. I was told directly from Hassan Kassir that the hedge fund will buy all the consumers debts. This was what he told me before I paid him $2500 as an affiliate fee! After paying him and getting a chance to read the consumer agreement……. the hedge fund is never mentioned. I questioned Hassan Kassir about this and he said “we cannot list this because we only use this as a tool to negotiate lower settlements and delay collection efforts by moving the file from the collection department into the settlement department”. I then asked him what percentage of people actually get their debts bought and he said it is about 30 percent. What a crock! I hope someone shuts down these shysters! Moral to the story if it sounds too good to be true it probably is. Keep up the good work Steve.

      • http://GetOutOfDebt.org Steve Rhode

        Interesting.

        My opinion is the hedge fund thing is not on the up-and-up. I am not aware of any hedge fund that is actually paying off debts and then creating a liability with the debtor. My industry contacts are not aware of any either. Even the explanation you say he gave you does not make any sense.

        Certainly there is a big disparity between the message that Cyrus Global and American Star Debt Settlement put out that seems to imply that all clients will have their debt purchased by a hedge fund when the reality is that even the best case scenario give to you was 30%. My vote is still 0%.

        The only variation to the hedge fund story I’ve heard is a company that appears to wait till the consumer saves up enough to make a settlement at X%. The underlying company goes in and pays off the creditor at a lower percentage, let’s call it Y%. The debt settlement company then charges the consumer X% and keeps the X-Y spread as “additional profit for reps” and others. In that case the money isn’t actually lent to the consumer but simply advanced on their behalf for as long as it takes to withdraw the money out of NoteWorld or Global Client Solutions.

        If you want to read more on this see Do Debt Settlement Company Relationships With Hedge Funds Create a Fiduciary Problem for the Consumer?

        Steve

  • james

    We have sent a picture of our building to Google, you can see it on Googlemap.com and search for Cyrus Global.

    • http://GetOutOfDebt.org Steve Rhode

      I went to Googlemap.com and searched for Cyrus Global and it results in a site called satellite-maps.com and presents no picture.

      By the way, your comment was similar as one for Nana that I did not publish. Interesting.

      Steve

      • james

        I don’t know who Nana is, and you need to stop making these faulse accusations, again you have my contact information, so feel free to contact me. As for now I am too busy to be playing childish games with you.

      • http://GetOutOfDebt.org Steve Rhode

        James,

        If you do not know who Nana is then how would she know that you sent a picture of your building to googlemap before you even mentioned it publicly here?

        Her comment three hours before yours was “try googlemap and search for cyrus global.”

        Steve

      • james

        Wow, seriously Steve,

        People look up adresses at google and googlemap all the time. Maybe that’s what she did, because the picture was submited and updated in June.

      • http://GetOutOfDebt.org Steve Rhode

        If you put your address “4007 W. 6th St., Los Angeles, CA 90020″ into maps.google.com it does not show the new picture, just the one I displayed.

        Anyway, the picture is the least of your problems.

        Steve

  • James

    First of all Steve, my absence does not mean that I am hiding or evading your questions. I have more important things to attend rather than reply to your comments all day. Per your request, Cyrus Global is an affiliate company of a referral program with American Star Lending Corp, so we do not need any license. American Star Lending Corp is properly licensed with all the necessary states to do business. Our clients do not sign any contract with us nor pay us any money. American Star Corp work in association with other companies such as Note World Servicing, which collects clients fees and holds them in an escrow account, FBL Associates, which provide legal services for free up to $1,500 worth, ESP(expert settlement professional), and multiple debt buyers. These are the entities that our clients sign the contract with and everything is disclosed in the contract with 100% money back in 30day or 50% in 60 days. All the fees are inclued in the 55% maximun settlement guarantee.

    But the fact remains, you had predetermined notion of bashing Cyrus Global before we began our correspondence as you wrote,

    “My Opinion

    Run away as fast as possible from Cyrus Global. Not only do they appear to have no experience in debt settlement but they also market cash advance loans. They appear to be totally unqualified to sell debt settlement services.”

    You had my contact information, but you made no attempt to contact me regarding these questions you seemed to have about Cyrus Global’s validity to do business.

    You still have my contact information, so feel free to contact me if you have anymore questions, I am not going anywhere and I will be glad to resolve your issues.

    P.S. Thank you for your free publicity on Cyrus Global.

    • http://GetOutOfDebt.org Steve Rhode

      James,

      You had better check with your attorney. As an agent and/or independent contractor of a debt settlement program you will be held responsible if a consumer complaint is lodged. You cannot knowingly misrepresent a company and engage in deceptive advertising and think you can escape the regulations. If you want to learn more about the intense regulation activity, legal actions and suits against marketers of debt settlement programs you can look here.

      Consider this your notice. American Star Lending Corp has a suspended status with the State of California and has not authorized to do business in California since 2006. Any agreement it would enter into, including with you, is void.

      I see that American Star Debt Settlement is running a site at americanstarlending.com that claims to be American Star lending but there is no company by that name authorized to do business.

      You might be interested to know NoteWorld is involved in a class action lawsuit for debt settlement services and that FBL is under investigation by the State of Florida.

      In fact clients of ESP have been switched behind the scenes to a new company called Vital Financial Software, cutting agents and reps out of the loop. See Are Vertexsoft & Vital Financial Software the New Home of Lifeguard Financial, ESP Debt Settlement Software, and P&E Solutions?

      It sounds to me like you have a similar underlying relationship with vendors as does/did Phillips Financial. In this article I discuss the underlying companies of FBL Associates and their purported hedge fund of National Asset Exchange. You might want to read it.

      I stand by my opinion. You appear to have done no research on your liabilities, licensing required, states you can do business in, who you are an affiliate of and the underlying service companies. Without doing this research, consumers should run away.

      As far as contacting you, I have repeatedly contacted you through the comments and asked relevant questions to try to get to the bottom of this. instead of answering the questions someone from your IP address engaged in spamming the comments with fake testimonials.

      James, if you would stop for a moment and read the information I am sharing, you will find that if you take a step back and get your business in order first, investigate who you are representing, ask for a copy of their corporate registration and proof of licensing as a debt settlement company, and stop engaging in deceptive debt settlement marketing that my advice can save you business and help prevent you from being sued, or worse.

      I am not the enemy. My advice can save you from getting in legal trouble, if you care about that.

      Steve

  • Tisha M.

    Steve,

    Thank you so much for posting this. I walked into my office this morning and seen this email in my inbox. These types of offers are tempting to me because I am in debt. Just bad decisions were made over the years. I thought by this time they would have fallen off my credit report, but they are just being resold. Things that are paid off are sitting sitting there crumbling my credit score. I live in Florida state and if you could advise me of anything that I could do to help clear this so one day I can try to purchase a home, or a new car for my family – I would appreciate it. If I would have known how miserable bad credit would have caused me to be, I would have never made the decisions I did all those years ago. It’s just never ending!

    • http://GetOutOfDebt.org Steve Rhode

      Tisha,

      You might want to read my article How to Rebuild Your Credit After Bankruptcy and start with that approach to rebuilding your credit.

      You have two options at this point, you can always go bankrupt to close the door on the old debt if you can’t pay it. If it has been nearly seven years since that debt was reported negatively it will fall off your consumer credit report soon. However, it is important for you to know that just because it might not be on your consumer credit report or past the statute of limitations does not mean that it still can’t be attempted to be collected.

      The next step would be to start obtaining new credit as I lay out in my article I linked to. You need new good credit to bring up your otherwise poor credit score you’ve been dragging along.

      Steve

  • Nana

    so much for your resume Steve,

    SearchandDestroy Replied on 05-08-2010, 04:06 AM

    Sub: #1 Steve Rhode “GetOutOfDebtGuy”
    Mr. Steve Rhode…would you please comment on the following post that has been circulating about you. I have been to your “Get Out of Debt Guy” website where you vigorously attack many debt settlement companies……..please don’t tell me that you are another scumbag diverting attention from his own misdeeds to make money while besmirching others at the same time. Also what is your relationship with Damon Day….ie what kind of money is he paying you to slobber over him?
    “So a little further in to the search results, I notice that Steve is linked to an organization called Myvesta, which claims to be a non-profit. So, I Google “Myvesta Steve Rhode”. And there it is…exactly what I expected to find, since nearly every so-called “guru” is not really that and usually has a shady past. As it turns out, Myvesta, which used to be known as Debt Counselors of America, has a cease and desist order from the state of California, which is known for aggressively pursuing fraudulent activities by companies such as this. Turns out our “guru” is out peddling debt advice and California has shut him down for not complying with California law. And, our so-called “non-profit” is apparently selling a $200 per month “debt payment” plan. What a complete and total fraud! Thank heavens for Google!
    So, yet a little further in to these search results, I learn that Steve and his co-founder were forced to resign from the company in late 2003. Ah, but this gets better. Steve resigned and appointed his wife as the President…so, Steve commits fraud, the state of California pursues him, and then he appoints his wife to run his company. Yeah, things have really “changed” at Myvesta, the non-profit charing a $495 enrollment fee and a $200 per month “maintenance” fee.”

    • http://GetOutOfDebt.org Steve Rhode

      First, let me say that if the Cyrus Global or American Star Debt Settlement approach here, through all of your comments posted in a flurry is designed to distract me from my reporting. It won’t work. And not only will it not work but it only serves to damage the reputation and/or consumer interest in your companies.

      People are smart enough to see your comments for what they are. Rather than answer direct and relevant questions I asked of Cyrus Global, instead the result is a bunch of comments from Nana.

      So Nana, if you want to get your facts straight, you can read my response to Steve Rhode getoutofdebt.org – Myvesta.org Beware Steve Rhode and getoutofdebt.org…this company is a fraud Internet and the site terms which explain all my relationships.

      Did you have anything to say in regards to the article or was this just an attack against me?

      Steve

      • nana

        I am merely doing what you’re doing Steve. INVESTIGATIVE REPORTING. Or so you call it, when if fact, you are bashing these companies for your own agenda, that is to generate leads or clicks, so you can refer them to other debt settlement companies you are advertising. I have no ties with either of those companies mentioned above. I saw Cyrus Global’s building, and it looks nothing like the picture you have posted. People, if you are reading this, please google Steve Rhode, and find out who he truely is.

      • http://GetOutOfDebt.org Steve Rhode

        Nana,

        Cyrus Global said the building had been updated since Google took the picture I displayed above. I asked Cyrus Global to post the picture of their building so i could update it, they have not.

        If you have no relationship with Cyrus Global how did you see their building? Just driving by?

        Seriously, if you are a friend of Cyrus Global or American Star Debt Settlement, stop posting this stuff. It only serves to damage their reputation. Your attacks don’t change the facts I raised in my article and make the average reader wonder what those companies have to hide.

        Steve

        Steve

      • nana

        try googlemap and search for cyrus global.

  • Nana

    check this out Steve,

    Steve Rhode – getoutofdebt.org http://www.GETOUTOFDEBT.ORG
    Steve Rhode getoutofdebt.org – Myvesta.org Beware Steve Rhode and getoutofdebt.org…this company is a fraud Internet
    Submitted by thetruth on Mon, 03/29/2010 – 17:48 in Computers & Internet
    getoutofdebt.org
    United States
    SCAM REPORT:
    I am a consumer from the Washington, DC area, and I came across what I consider one of the typical fraudsters that you find on the internet these days that I think needs to be exposed. This guy seems to have a national audience, which makes him even more dangerous.

    First, some background. I am 48 years old. I work in the federal government (I’m not writing this at work, by the way). I am in debt. Like many people, I Googled “get out of debt” since I would like to get out of debt. Pretty basic, huh?

    As usual, there are various results in the Google search, and I am a pretty skeptical person. So, I click on a few links to see what I can find. One link was from the guy on CNBC at night that’s always talking about how he was bankrupt. Another was a link to a site called getoutofdebt.org. Another was a link to Lending Tree (you know the company with the commercials about banks competing?).

    Anyway, after browsing the aforementioned links for a few minutes, I decide to spend a few more minutes on the getoutofdebt.org site. It looks pretty good, and it seems to be relevant. The first thing that I notice about the site is that it’s written by a guy named Steve Rhode. I don’t know him from Adam, so I Google him, too. As I’m browsing the results from the search, everything looks legit. Lots of quotes from Steve in various news organizations, etc. Of course, Steve, just like the CNBC, claims to have gone through bankruptcy, which is why he is an “expert” now. A few pages in, I find that Steve has written a book on the topic. Okay, so now I know that Steve is using his website to drive book sales. Typical, but, the man has to make a living, I guess, even if he is just using his “free” website to sell his books.

    So a little further in to the search results, I notice that Steve is linked to an organization called Myvesta, which claims to be a non-profit. So, I Google “Myvesta Steve Rhode”. And there it is…exactly what I expected to find, since nearly every so-called “guru” is not really that and usually has a shady past. As it turns out, Myvesta, which used to be known as Debt Counselors of America, has a cease and desist order from the state of California, which is known for aggressively pursuing fraudulent activities by companies such as this. Turns out our “guru” is out peddling debt advice and California has shut him down for not complying with California law. And, our so-called “non-profit” is apparently selling a $200 per month “debt payment” plan. What a complete and total fraud! Thank heavens for Google!

    So, yet a little further in to these search results, I learn that Steve and his co-founder were forced to resign from the company in late 2003. Ah, but this gets better. Steve resigned and appointed his wife as the President…so, Steve commits fraud, the state of California pursues him, and then he appoints his wife to run his company. Yeah, things have really “changed” at Myvesta, the non-profit charing a $495 enrollment fee and a $200 per month “maintenance” fee.

    Needless to say, after figuring all of this out, I decided to keep looking for a reputable site, so if you find one, let me know. I hope this helps expose Steve Rhode, Myvesta and getoutofdebt.org for the complete and total fraud that it is!

  • Nana

    hmmm, the fact that you are getting paid to represent, or refer clients to those websites you are advertising tells me that you are biased. I think you get paid to sit in front of your computer all day and find a company to write bad reviews about, while in the mean time you are refering clients to those services you are advertising.
    Get a real job like the rest of us!!!

    • http://GetOutOfDebt.org Steve Rhode

      So if you are not a client or an employee or related party to Cyrus Global or American Star Debt Management, what is your interest in commenting on this article. If you are just trying to attack me, did I get too close to the truth or revel something that you wish I had not?

      For specifics on the advertising policy on the site and how ads are selected, see the site terms.

      Steve

      • nana

        No the fact is that you’re using this for your own agenda.

      • http://GetOutOfDebt.org Steve Rhode

        I have noted that your opinion is I am using “this” for my own agenda. You are entitled to your opinion and I have specifically addressed your questions on the topic. I have responded to all your complaints and accusations in an open manner and unless you have anything more to offer that is specifically relevant to Cyrus Global or American Star Debt Settlement I will stop approving your comments.

        I welcome your participation in a discussion about the issue at hand and would love for you to share any information you have that can serve to answer the questions raised about these two companies.

        For example, I am still trying to determine the name of the company Cyrus Global is representing as American Star Debt Settlement that is registered to do business in the State of California. Additionally, I’m still trying to get an answer from Cyrus Global regarding which states they are authorized to do business in and licensed to promote debt settlement. If you can add to the discussion by answering those questions, that would be appreciated.

        Steve

  • Bamma mamma

    Hi I recieved this same e-mail today and doign research your site was the frist I came apon and I just want to tell you that I live in Alabama.

    • http://GetOutOfDebt.org Steve Rhode

      Just an FYI, a search of the Alabama registered businesses could find no record of a Cyrus Global or American Star Debt Settlement authorized to do business in your state.

      Steve

  • Wamy Kufakwandi

    Here is the email i received from Cyrus Global:

    Dear Client, (PLEASE READ CAREFULLY)

    This program has NO UPFRONT FEES & WE WILL and WANT TO BUY YOUR DEBT IN FULL.
    When you consider this option, there are a few things you need to know before you get started.

    Here is a comparison of how our debt settlement is different from any other out there in the nation.

    Our Debt Settlement
    Normal Debt Settlement

    55 cents on a dollar GUARANTEED! (with all fees included)
    Our Hedge fund buys your debt – you will see results in months! NOT years.
    Free Attorney hours – We will defend you in court if you are summoned.
    Set fees
    No Power of Attorney

    No Guarantees
    Up to 3-4 years of credit score wreckage.
    No legal help.
    Altering fees for their benefit.
    Client risks everything…

    We are contracted with the only debt settlement company in the country that uses their own money (interest free!) to settle your debt in advance based on a promise that you will pay them back with a monthly payment you can afford.

    This program has NO UPFRONT FEES and NO HIDDEN FEES. There is NO COST OR OBLIGATION to find out more today. Get the facts and take action now!

    CALL TOLL FREE 800-380-0184
    Email us: [email protected]
    Cyrus Global, LLC.
    4007 W. 6th St. Los Angeles, CA 90020

    • http://GetOutOfDebt.org Steve Rhode

      Wamy,

      What state do you live in?

      Steve

    • Jamie

      i am in texas and received the same email. I have never even heard of the company or inquired about debt settlement.

      • http://GetOutOfDebt.org Steve Rhode

        Jamie,

        A quick search of the Texas authorized business records found that Cyrus Global is not authorized to do business in Texas.

        Interesting statement you made. I wonder where they got their mailing list from. Hum, I wonder if they violated the CAN-SPAM law by sending unsolicited emails. Click here to read what the FTC says about spam email.

        Steve

  • WILLIE RAINWATER

    STEVE

    I live in ny state and i recieved an e-mail regarding the services of cyrus global,i am heavily in debt and am seriously contemplating using their services,if you have anymore thoughs on what i should do please advise.

    • http://GetOutOfDebt.org Steve Rhode

      Willie,

      I can find no registration or license for Cyrus Global to do business in New York State. It appears they are operating in New York Illegally. Here is an example of a judge that went after an illegally operating company in New York State and made them return all the money.

      What is your situation specifically?

      Steve

  • James

    Cyrus Global is registered with the state of California.

    • http://GetOutOfDebt.org Steve Rhode

      I already reported you are registered in California. You did not answer my question.

      I already know you have been in contact with consumers in states other than California. What states are you registered and licensed in to provide debt settlement services?

      Steve

    • http://GetOutOfDebt.org Steve Rhode

      Under California law before a company can contract with debtors and intercede with creditors to settle debts on behalf of the debtor they need to be licensed under the prorater law.

      The Check Sellers, Bill Payers and Proraters Law (the Law) is contained in Division 3 of the California Financial Code, commencing with Section 12000. The regulations are contained in Subchapter 10 of Chapter 3, Title 10 of the California Code of Regulations, commencing with Section 1770 (10 C.C.R. § 1770, et seq.).

      The license requirements are set forth in Section 12000, et seq. of the law. The law requires that applicants for Check Sellers licenses maintain a minimum net worth of $500,000 and a $500,000 license bond.

      Bill Payers and General Proraters must maintain a minimum of $10,000 net worth and a surety bond of $25,000. For those licensees who use agents, the requirements are considerably higher.

      In addition to the financial and bonding requirements, applicants must demonstrate that they have experience in this type of business, and that they do not have a criminal history or a history of noncompliance with regulatory requirements.

      Does Cyrus Global hold a California Prorater License to sell debt settlement services?

      Steve

      • Mark Kim

        I’m also a happy customer. No complaints so far.

        From what I know, Cyrus Global isn’t doing the settlements on my behalf. I’m doing that myself through a software they provided me. So not sure if this law actually applies.

        And I’m saying this simply because you just seem so cynical about the whole thing, but what exactly makes you an expert in debt settlement?

      • http://GetOutOfDebt.org Steve Rhode

        Just another spam comment from a Cyrus Global computer. Cyrus Global guys, I can tell which computer you are coming into my site from, quit being so stupid.

        Steve

      • Wamy Kufakwandi

        Hi Steve,

        I did receive an email from Cyrus Global and i was quite skeptical too since i had never heard about the company and you were doing the right thing by asking them questions that they should have been able to respond without any objections.

        The fact is they were avoiding answering your questions which makes it seem they were hiding something.

  • Julie

    From what I was told by one of their representatives, prior to signing on as a client… they actually work with multiple debt buyers. The reason they do not purchase it themselves is that it would be a conflict of interest. They also told me that settlements were not guaranteed. The maximum settlement they will agree to is no more than 40 cents on the dollar. They say 55 cents on the dollar because that figure includes the program fee. From my discussions with many settlement companies, 15% (flat fee, not interest) of the total debt amount is standard in the industry. Not to mention, they have a legal package included. I received a summons and they handled it efficiently and effectively. It was not a “ghost attorney” experience either. They provided a local attorney from the network of lawyers they work with. I imagine they say, “their hedge fund buys the debt” is that it is more simple to understand upfront. They fully disclosed to me exactly what I wrote above when I spoke with the representative. They seemed VERY straightforward and honest in disclosing the good and bad of going through the settlement process when many others didn’t. I appreciated that. I am still in the program and everything seems to be going along just as I was told it would.

    Julie Sanz

    • http://GetOutOfDebt.org Steve Rhode

      Julie,

      Would you say they were very open and honest? What should people do if they discovered Cyrus Global was not telling the truth?

      Steve

      • Julie

        Steve,

        Like I said already, everything has transpired just as they said it would. They have already accomplished settlements for me on a couple of my accounts. One was through a buyer and the other two they were able to settle with my accumulated money. They made sure I agreed to the settlement. Being that they don’t take power of attorney I maintain complete control of every aspect of the settlement process. I am able to manage it all simply through a logging in to my account. I have already seen that as of yet, they are telling the truth.

        I can tell you though, the way you are phrasing that questions seems that you are trying to set me up to write negatively. You can do all the research you want, but I am already a happy client, as I am sure many others are as well.

        Nice try…

        =)

        Julie Sanz

      • http://GetOutOfDebt.org Steve Rhode

        Julie,

        Why is it that the comments from James, you and C.J. Joseph are all posted from the same internet access point? Are you all in the office at the same time or is it that this is just a spam comment from Cyrus Global pretending to be someone they are not?

        Steve

  • c.j. joseph

    wow i cant believe what i just stumbled upon while googling the company i signed up with 6 months ago, i cant believe steve that you are posting these things, i was 65,000 in debt when i signed up with these guys, in less than six months all of my debt was resolved and off my creditors books and i make a monthly payment to them, you obviously have other motives since your the debt guy and in competition with them.it should be criminal for you to be able to right these things i would recommend these guys any day of the week. they were awsome for me and my family. Maybe you should talk to satisfied customers before you try to ruin someones reputation without knowing the facts
    also a side note i am a police officer and checked these guys out through a system im sure is much better than yours.

    thank you
    C.J. Joseph

    • http://GetOutOfDebt.org Steve Rhode

      As a police officer you should be interested in getting to the facts. Your help would be appreciated.

      What was the name of the hedge fund that bought your debt?

      What state are you located in?

      What was the average amount of your settlements including fees?

      What fees did you pay?

      Steve

      • Real Debt Expert

        Hey Steve, if the client is happy and has gotten a result then why can’t you start by acknowledging that?

        You’re just full of a continual evil criticism here.  
        And I’m certain that is not what you want your own readers to perceive.

        Asking specific relevant questions and demanding answers is one thing.  And you are merited to be doing that.  

        But several answers here have been provided and even a random reader OF YOURS writes to tell you he’s happy; so why are you beating him up too…?!

        What’s your real agenda here, Steve?

      • http://GetOutOfDebt.org Steve Rhode

        My agenda is to inform consumers so they can make educated decision about debt relief services.

        I was not beating up on the “real consumer” but as a proclaimed debt expert certainly the comment left omitted a number of important details to best understand the statement made in order for others to benefit from it.

    • http://GetOutOfDebt.org Steve Rhode

      I’ve played with you long enough. I know the comments from C.J. Joseph were posted from the same internet access point as those from Julie and James. I’m labeling this Cyrus Global spam.

      Steve

  • James

    I am not at liberty to answer to disclose that question, because your question regarding American Debt Star should be adressed to them, and I will not answer that question on their behalf.

    • http://GetOutOfDebt.org Steve Rhode

      James,

      Seriously? So you’ll rep and sell the services of American Star Debt Settlement to consumers for profit but you won’t do even the most basic due diligence to make sure the company you are selling the services of is a properly registered company and legally authorized to do business?

      So if you can’t answer any questions that relate to American Star Debt Settlement can you at least answer the questions that pertain specifically to those things under your control?

      What states are you registered and licensed in to sell debt settlement services?

      You claim I am mocking you. How am I mocking you?

      The email your company sends out (see above) guarantees a settlement amount. Are you guaranteeing this will be the average settlement amount based on all the accounts enrolled from the client?

      Your email says “Our hedge fund buys your debt.” If it is your hedge fund why can’t you say what the name is or do they not really exist?

      Your email says “set fees.” What are the fees?

      Steve

      Steve

      • James

        I never said that I haven’t done my due diligence in researching the company that I work with. It is not my place to disclose any information regarding another company that is just an affiliate of ours, and that I am not in control of. I will only answer question in regards to my company, Cyrus Global.

      • http://GetOutOfDebt.org Steve Rhode

        The questions I posted are about Cyrus Global and statements Cyrus Global is making in emails sent to the public. If you are making the statements, how can you claim to not know the answers?

        Steve

      • http://GetOutOfDebt.org Steve Rhode

        Here is just one question for you to start on. Your company, Cyrus Global, is selling debt settlement services. What states are you registered and licensed to sell debt settlement services in?

        Steve

  • James

    P.S. The picture you have from google map is out dated. I will send you current photo of the building at your request.

    • http://GetOutOfDebt.org Steve Rhode

      Before we do that, can you please answer my questions I posted for you?

      Steve

  • James Yon

    I do see that you’ve done your diligence on doing your research, but the fact remains that you’re merely our competition and that you are just bad mouthing our company without finding out the truth. How do you know what our experiences are debt settlement for you to make a statement that we are under qualified. Also, the fact that we offer other various products has nothing to do with our qualifications. Who are you to make such judgement about our company. By making our company look bad, does not make your company(@getoutofdebtguy) necessarily better. Your traditional way of settling debt takes 3 to 4 years to see results, and you purely utilize clients’ money, in which they can do the settlements themselves, and I really don’t see why people would pay good money for your service.

    • http://GetOutOfDebt.org Steve Rhode

      James,

      Thanks for commenting.

      Other than cash advance loans and debt settlement, what products do you sell?

      So how much experience do you have providing debt settlement arrangements and not as a branch office of affiliate?

      Your company makes the claim that a hedge fund will buy the debt but who exactly is the hedge fund?

      Since I don’t sell any services, people don’t pay me anything.

      As I reported, you appear to be selling/representing the services of American Star Debt Settlement. Since I can find no registered company under that name, what is the registered company name you are representing and can you assure readers the company is compliant in all 50 states?

      Steve

      • James

        -We offer debt settlement and business cash advances.
        -Most of our agents have years of experience in debt industry.
        -I am not at liberty to disclose who are hedgefund companies. But you should know that there are companies that purchases these notes as an investment.
        -I don’t know the corporate details about American Star Debt Settlement, we are affiliate company that markets their debt settlement product. I represent Cyrus Global, I am the founder and CEO of the company.

        As a journalist, shouldn’t it be important that you report accurate information and the truth instead of your biased judgement or oppinion? I firmly stand behind my company and the belief of the company, that is to provide solutions through innovative products and services to our clients.
        The fact that you are trying to mock my company without much investigation other than the public information on google is really offensive, and should be stopped immediately.

      • http://GetOutOfDebt.org Steve Rhode

        James,

        Why in the world would you not be at liberty to disclose the name of the company you want consumers to sign up for. That sounds dodgy. What’s to hide?

        You said “I firmly stand behind my company and the belief of the company, that is to provide solutions through innovative products and services to our clients.” So does it not even bother you that the company you are representing appears to not be authorized to do business in any state? It should. How would a consumer have confidence you are not promoting an illegal scheme if the company appears to not be organized properly? Can you not simply answer what the official registered name is of the company claiming to be American Star Debt Settlement.

        As a journalist I am fully entitled to my opinion and those things which are my opinion I have labeled as such. I presented the facts as I found them, which you do not dispute to be accurate, and I drew a conclusion based on what I saw and my experience.

        How am I mocking you?

        You say I am making statements without much investigation but I’m asking you direct questions and you are either not answering them or refusing to answer them. If anything it seems it is only you that is an obstruction to additional facts.

        And while I’m asking for your help and clarification can you please tell us which states other than California you are offering services to consumers in? I happen to know for a fact you have offered your services in other states in which you are not licensed or registered in those states to represent debt settlement services.

        Steve

        P.S. You can upload the updated picture to your server and give me the URL of it and I’ll get it from there.

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