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Home > Debt Relief Industry > World Law Debt. A New Incarnation of Orion Processing, SwiftRock Financial, Messa Rock Financial, and Topaz Financial?

World Law Debt. A New Incarnation of Orion Processing, SwiftRock Financial, Messa Rock Financial, and Topaz Financial?

Thanks to a tipster (send in your tips here) that pointed this out in a recent comment.

they have changed their name again to hide from lawsuits and all the bad press. They are also known as orion processing and now World law debt. www.worldlawdebt.com

has same address and all the same employees. Mr. Derin Scott (owner/president) is the biggest lying theif. He has collected of 40 million dollars of the back of the poor who are stuggling with debt. Moreover, has done this by enslaving employees and not paying them a living wage. He belongs in jail. I can’t wait for the the feds to lock him up. – Source

For the record, I don’t know a thing about all those other accusations the commenter made, obviously the commenter is upset. But the point made that WorldLawDirect.com has appeared and is related to the other companies mentioned is true.

The BBB is also reporting the connection between the underlying debt settlement companies and Orion Processing.

Swift Rock Financial Services, Mesa Rock Financial Services, Topaz Financial Services, and Clear Your Debt are sales organizations. These companies market the debt management and debt negotiation services provided by Orion Processing. Clear Your Debt has indicated that they have ceased operations, but consumers who contacted this company will continue to have their debt managed and/or negotiated by Orion Processing.

These companies are individually owned by Shannon Scott and Derrin Scott. – Source

World Law Debt says they are located at 2201 Donley Dr. Suite 250, Austin, Texas 78758 but according to the State of Texas website there is no company registered to do business in Texas under the name World Law Debt.

World Law Debt describes themselves as:

WORLD Law Debt is an affiliate of WORLD Law Direct.

WORLD Law Direct is the leading provider of debt solutions in the U.S.

In 1998, partners from five of the world’s leading international law firms met to discuss the impact of the Internet on the provision of legal services. Out of that meeting grew several software prototypes for simplifying the most common legal issues, entering them into complex database delivery systems and creating the first automated system to address over 4000 common legal issues and problems.

Today we’re helping to fill the need for understandable and efficient legal solutions. In addition to an expanding database, our systems automatically re-route designated issues to our global law team when necessary, providing thorough, up-to-date advice on commonly-faced legal issues in over 26 international jurisdictions including the United States. We put the resources of a global law firm to work for you.

Our founding shareholder board included leading international lawyers from the U.S. and abroad. The board worked closely with our global team of Czech and Finnish computer programmers, British software analysts, and Internet systems specialists from the U.S., Finland and Japan. See members from the board’s initial composition below.

We’re happy you are joining us here at WORLD Law Debt and we look forward to providing you quality debt settlment and solution information in a new and exciting attorney protected format! – Source

What I find interesting is that according to the WorldLawDirect site (WorldLawDirect.com), they don’t describe themselves as “WORLD Law Direct is the leading provider of debt solutions in the U.S.” Instead they say they are “WORLD Law Direct is the leading interactive provider of U.S. and international legal solutions.”

WorldLaw Direct.com was registered on July 4, 2000 and as of August 18, 2010 was owned by Milan Rabiska. I did reach out to Milan Rabiska and exchanged emails about WorldLawDebt.com but he had no comment to share.

WorldLawDebt.com was registered on June 9, 2010 and is owned by Scott Derin.

World Law Debt. A New Incarnation of Orion Processing, SwiftRock Financial, Messa Rock Financial, and Topaz Financial?
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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.
  • 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.    

    • http://GetOutOfDebt.org Steve Rhode

      That is some pretty shocking information.

      • http://www.consumerrecoverynetwork.com/ Michael

        Debt settlement is not rocket science. There is certainly a formula to follow that will create a more predictable path and often optimize the results.

        Knowing what happens before it does will help a ton by itself.
        Knowing targets and timing that coincide with who your creditors are, the balances, the timing, your access to funds and ability to accumulate the money over time – all will lead to a more organized and predictable outcome.

        That’s all settlement is. And consumers are far better served by settling debts on their own. Work with a contingency fee settlement professional if you hit a tough account after getting some done on your own.

        Thanks for sharing Jasonm1222

      • josh

        I worked under Jason1222 he was an ok boss made sure
        I stayed busy and had clients best interest in mind. That may be why he was let go. He is truthful about the mismanagement. I had 630 clients when I left, because I couldn’t do the job as it needed to be done, I would have had to work 120 hours a week. Overtime is severely frowned upon. I feel bad for leaving because people who cared for the clients at W/L Orion have a very short shelf life and are few and far between. Sorry to the clients that I had to leave behind. JOIN the CLASS-ACTION .
        P.S. Johnston who commented above is a mangers relative. Several Johnstons also work for the “bank” World Law uses, actually a managed fund that collects interest????

  • Peggy Johnston

    I just had my 4th card settled with World Law! so far they cut one card and I paid 34%, the others were at 40% and my 4th card was at 37%!  I have 3 cards to go…its taken time but I didn’t want to file a BK as my career wont allow it.  I dont like seeing negative comments about a company that has been so helpful and that took care of the creditors that were threatening and harrassing me!

  • John

    World Law has helped me with my credit card debt, i lost close to have of my regular income and i could no longer afford my minimun monthly payments. Since i entered the program with World Law Debt i have been able to settle 2 of my 6 credit cards and plan to become debt free by the end of next year. I have not one complaint about my service and the counselor and the legal dept have been very respectful and have far exceeed my expectations. I would recommend their service.

  • Esq Yourworstnightmare

    World Law Debt, 512-904-1351, called me. When I answered, they hung up. Terrorist!

  • Esq Yourworstnightmare

    World Law Debt, 512-904-1351, called me. When I answered, they hung up. Terrorist!

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