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Attorney Needs Help With Debt Lawyers of America, Debt Arbitrators of America, and Financial Crisis 180.

I received the following request for assistance from an attorney who is representing a consumer. I suggested to the attorney they readers of this site have a lot of information and are very resourceful and might have information to post in the comments to assist the attorney.

The Attorney Asks…

My client paid $Xfor 12 months and is only getting only part of it back from Financial Crisis 180 (appears to be owned by an attorney, or former atty, Rob Goldstein, half in CA and half in NY).

Anyway, when I called to get the rest of the money and informed them of Florida Statute of how much they can charge up front (never mind the FTC up front rules), they claimed they only get $30/month to service the account.

According to them, Affordable Debt Solutions in Florida gets the rest. Except, I cannot find a good phone number for them to try and chase the money.

I searched your archives, but found nothing. Any ideas?

I am also chasing Debt Lawyers of America, Inc. and Debt Arbitrators of America, Inc. Same company, same troubling issue.

All the companies appear to use Global Client Solutions.

Can you Help?

So if you can help with information to assist this attorney, please post your information in the comments section below.

Update September 10, 2012

From Rob Goldstein:

Steve, my name is rob goldstein.. you have a blog posted on me, on the internet, that contains wrong information.

In 2005, I sold a co called Financial Solutions, to “ALF”.. at that time I was a back end co, for a couple of debt management co’s. All we did was actually negotiate settlements for clients, and NEVER did we have any control or access to any accounts of the clients.. We were paid by the “front end” companies, when we made settlements.

I restarted a company in 2009 called Financial 180 Group, which I sold 2 years ago. Again, I was a “back end” company, negotiating settlements for the clients who were sold by other companies. Again, I had no access to anyones money.

I sold the business because I did not like being associated with the debt management co’s or any tactics they did when they signed up clients..

In the transaction with ALF (Elaine Sorrels), I filed a lawsuit against her for non payment, and later out she was under indictment for fraud with a med spa, billing.. whatever transpired with clients after i sold the business had nothing to do with me…

In the transaction with David Huffman, Freedom Group, who purchased Financial 180, I later sued him as well..

Every allegation in your blog is about issues that transpired under their (new owner’s) respective ownership, not during mine.

I have answered every concern, with complete accuracy and timeliness..Also, the sale(s) are of public records, and can be verified. So can my lawsuits against the buyer(s).

Attorney Needs Help With Debt Lawyers of America, Debt Arbitrators of America, and Financial Crisis 180.
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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.
  • angrygirl

    I want to know where Elaine Sorrells is! My sister and I were both signed up with her company American Liberty Financial (ALF) which she changed in January of 2012 to American Relief Consultants. Thankfully, my account with her is done. Unfortunately, my sister still had one account that was settled through her company over a year ago and Elaine Sorrell’s company NEVER FINISHED PAYMENT ON THAT SETTLEMENT. My sister was not aware of that fact until two days ago when my she received a letter from a completely different collection agency regarding her last settled account wanting to settle. I looked into for my sister and it looks like Ms. Sorrell’s company just stopped making the agreed upon payments through Global Client Solutions so the settlement with the original collection agency (Allied Data Corp) fell through and they sent the account back to the original creditor. Almost $1000 dollars had already been paid towards that particular settlement not to mention the contingency fee that Elaine’s company collected once the settlement was made. I tried calling the phone number for American Relief Consultants that I had and the number is no longer in service. I guess I shouldn’t have been surprised but I was. I was also very angry. I can’t believe someone would do this! If anyone has any advice on how to handle this I would greatly appreciate it. I don’t know if I can hunt her down so that my sister can sue her or if there is some way to see her punished. I have already filed a complaint with the BBB but don’t know that anything will come of that. I contacted Global Client Solutions and they had a different number for American Relief Consultants so I called it. It seems that they are now a collection agency themselves instead of debt settlement. I don’t know if she sold her company and it was changed to that or if she herself just changed it and is still working there. I sent her an angry e-mail but have not received a reply yet and probably won’t. She is an AWFUL PERSON and at the very least my sister deserves an explanation for what occurred and an apology. If Elaine Sorrells decided not to honor the agreement made regarding my sister’s final settlement then she should have had the decency to contact my sister and let her know. PEOPLE SUCK!

  • Kimberly

    Any attorneys out there who want to take on Rob Goldstein and David Huffman–or maybe a consumer advocate with one of the major news stations?  They need to be PUBLICLY exposed after all these years and all the money they’ve stolen from people for so long!

    • Denbleyker6

      Yes I agree, Can anyone out there recommend someone?

      • WBWYCS

        You need to file criminal charges against Rob Goldstein.  Bottom Line.

      • Kimberly

        Is there a statute of limitations with regard to filing criminal/civil charges against Rob Goldstein?  It’s interesting how he disappeared from the website comments after claiming to have clean hands…ripped off too many people and is probably now running from many more of them, the little coward.  KARMA!

  • Kimberly

    Bottom line for Rob Goldstein:  My $20K was put into a trust account owned soley by him and no money EVER CHANGED HANDS since 2005.  None of his bank accounts ever change hands; he simply sells his clients as he goes along, business by business, state by state, and the money stays in his pocket each time.  He’s always willing to help you settle your debts with each new company, even if you’ve ALREADY paid him to do so at one or more of the others.  Never pass up an opportunity to rip someone off a second time, huh, Rob Goldstein?  Exploiting people at highly vulnerable times in their lives and then doubling their burden by running off with their money while their creditors continue to harrass and even SUE them is unconscionable.  If his hands are clean as he so adamantly continues to claim, why is it that accounting records disappear with each company he buys/sells and no one ever sees their money again?  Why has he gotten away with it for so long and through so many companies without someone investigating him?  He even claimed that Financial Solutions Consultants was in bankruptcy at the same time he was selling it to new scam artists in Florida, the ones he claimed owned HIM $210K in consulting fees!  HOW DOES THAT HAPPEN?  Think he got his money?  I haven’t been able to find anyone to help me with this matter.  The BBB, Department of Corporations, and fraud detectives have been unable to investigate due to the numerous companies with which Rob Goldstein is affiliated/buys/sells.  Any other suggestions?    

    • Jennifercorm346

      Yes, here is something you absolutley must do.  Report him to the Attorney general in your state and Calif.  Report him to the District Attorney in Los Angeles (or whatever the proper jurisdiction is) and report him to the Federal Trade Commission.  Also file a crime report in Orange County Calif.  If enough people report him someone will do something.  It may not get your money, but wouldn’t you love to see these guys punished?

      • Denbleyker6

        I filed Criminal Charges against David Huffman last week with the DA in Calif, please anyone else out there do the same! Let’s work together to get our money back. This man is horrible!!! I want my money!!!!

  • Kimberly

    Rob, I wrote that check to FSC, YOUR company at that time, and YOU are responsible for my money that NEVER LEFT  YOUR “trust” account.  I’m very surprised that you even responded seeing as you’ve ignored me for so long, but I guess I’m not surprised to hear you immediately put the blame on Sorrells/ALF and then on Financial 180.  Just how long is the line of people and companies you want to blame and expect for me chase down?  My money was put directly into YOUR hands (with your “assistant” Cindy signing for it in person) and it remains your responsibility to locate it, no matter how many companies you continue to buy and sell so that you don’t have to deal with what you leave behind.  The only service I want from you now is for you to simply TO TELL ME WHERE MY MONEY IS so I can finally live my life without creditors hounding me to death every single day of my life for the only money I ever had to pay them off with.  You know where my money is.  If your hands are as clean as you continue to claim, the solution should be very simple for you.  It’s funny, I still remember all of those letters you had framed in your FSC office when I entrusted you with my money, all those people singing your praises about how you saved their lives and their families and their homes with your services.  What happened to THAT person, Rob Goldstein?       

  • Zezabalford

    Rob Goldstien was and still is associated with David Huffman, probably the most dishonest individual ever known to mankind!  Really, this guy would do anything for money to support his over the top lifestyle.  David huffman owned Freedom Group in San Diego, another debt settlement company now out of business and took everyones money.  Plenty of people are after him.  He made it a habit to use clients so called trust accounts to fly around the world dating (or something) questionable women he met on the internet, wining and dining them to make them think he was rich.   He has a brother, Phil Huffman, that owns Scripps Mortgage, and may be involved in all thes companies.  My question is, where the heck is the DA?  Huffman even had an order from the state of California to desist and refrain.  But he is at it again.

    • Robg180

       zezabalford…  what makes you think I am, or was, associated with huffman?  I sold him a business.. thats it..Maybe i shouldve gotten your permission??  You claim to know alot of personal and intimate things about the entire Huffman family.. Maybe you should direct your anger at them??    go ask your atty, or the atty on this site, if there was anything inappropriate to selling huffman a business? I have no affiliation with huffman, any of them, at all..

      • Zezabalford

        Rob,  You can not lie your way out of this.  You were the back end (as you like to call it) for Freedom Group.  You were, and probably still are, his friend and most likely know where he is.  What about his wife he brought over from some 3rd world country after spending clients money to impress her.  Do you know where she is?  Did they flee the country together to avoid prosecution?  You know!  Why protect a sleeze bag like Huffman if you are innocent of any wrong doing?

      • Denbleyker6

        I too am looking for David Huffman, I  too have not had my money returned after cancelling with Freedom Group. David continues to “work” in debt relief owning Financial Crisis 180. I have made hundreds of phone calls trying to get my money back and he has not responded once in 7 months. When questioned all his employees have said that you two were connected as business partners, even the current people working for 180. Please give me this idiots number so I can talk with him.
        Rachel

  • Kimberly

    I have been trying to recover $20K that I paid to Rob Goldstein when he owned Financial Solutions Consultants (FSC) in Irvine, CA.  My money was put into a trust fund to be used to pay settlements to my creditors, of which only one was paid even though commissions were taken by FSC for a total of three transactions.  Rob Goldstein claimed to have sold FSC to American Liberty Financial (ALF).  Elaine Sorrells, Owner of ALF, claimed that Rob Goldstein had sold them his clients and that he had retained all of the trust funds.  Her only message to me was, “I don’t have your money!”  Very unprofessional for a CEO.  Erica Ibushi and James Lombardo (Operations Manager) of ALS wanted me to file a police report for robbery and fraud against Rob Goldstein (REALLY?!) and advised me that James Lombardo was appearing in court to obtain my funds as well as money belonging to other clients.  I was told at that time by Rob Goldstein (then at Mortgage Solutions Consultants) that ALF owed him $210K in consulting fees and that the two companies were in litigation, but neither of their attorneys would ever respond to me.  Neither Rob Goldstein nor anyone from ALF would respond to me after that.  Rob Goldstein had personally promised to help me find my money and had even offered to handle my creditors again for me, but that I would have to “fund the settlements” again.  (REALLY?!)  He now owns Financial 180 Group and claims to be the expert in the debt solutions field for over 25 years and that he is involved with each client situation hands-on and even speaks at self-help seminars and writes books.  I would like to see him live up to those claims and honor his contract with me.  If he truly is NOT the scam artist he appears to be, then Rob Goldstein should man-up and take responsiblity for getting my money returned to me once and for all.  I was in a desperate situation when I went to Rob Goldstein for his help in settling my debts and now it’s grown into an agonizing situation with him taking the only money I had with which to settle with my creditors, on top of the harrasment calls I receive from them several times a day.  I’m looking for help from anyone.  And, Rob, if you’re reading this, I hope with all my heart that you redeem yourself by contacting me and finding my money as you promised.  Nothing would make me happier than to be able to post a positive update to let people know that you are an honorable person and have done the right thing.   

    • Robg180

       Kimberly….

      I recall the conversations very clearly.. As I
      stated several years ago, i sold the company in 2005 to  “ALF”.. I did
      not know at that time, that she was being indicted for FRAUD in a
      medical spa or billing scam.. I am sure if you can google her, you would
      find the articles..
      Never in my life has any claims been brought against me..

      As
      for her asst “james”, and erica (erica did work for me before i sold
      the co), Elaine Sorrells told me that james ripped HER off for $300K
      (according to my memory).. As far as I am concerned, they are all no
      good, but, thats just my opinion

      While I appreciate your
      frustration, I do not appreciate (nor will tolerate) any derogatory
      comments directed at me, or slander.. Your issues are with them, not
      me..

      As for Financial 180, I sold that company as well..  If you have any issues
      with them, I will be happy to give you their info..

      I would be happy to help you, at NO CHARGE for any services.. I also expect you to retract any false derogatory comments..

      I would contact you directly, if you give your info..  It took me all of 30 minutes to respond…

  • Amiller

    Bayview law group.. JOKE!! I’ve made 7 payments of $500., I just found out I have $500. in my trust acc’t.  In shock.  Trying to cancel but I can’t find their website to do so.  Luckilly, I was able to stop payment on my last one.  Just settled on my own with chase 4800. instead of 22,000.  THanks for nothing Bayview!

  • Errick

    I think you’re being too harsh, Rob is the victim here.  Someone stole the Shift key from his computer keyboard!

  • Watch out!!

    Rob you are one of the biggest thieves in the industry. Who are you trying to kid? Have you forgotten how many letters you would copy and paste inflated balances or just take the entire settlement amount and commission and send fake letter to your client? You’re pathetic and should be in jail.

  • AlCapone

    Rob- I would like to understand how you, as the backend company, could have affiliates who were selling your product, sell it with up front fees while your program was a success based plan. Are you saying you were contracted to negotiate debt on the back end only and paid for that? How is it that they could sell your program & charge clients how they wanted to?

    Can you elaborate please?

  • Steve Rhode

    I emailed the attorney and asked them to see your comment.

  • Rob Goldstein

    my name is rob goldstein, i previously owned financial 180.. a client of mine forwarded a link, where you made references about me, after hearing from an attorney in florida.

    i am writing to clear up any confusions, and incorrect responses you (and the atty) made..

    1. i was the ‘back end’ company, servicing clients brought to us by marketing “front end’ companies, such as AFFORDABLE DEBT (ADS) in florida.. we never charged the client any front fees, and we were paid to perform services, such as negotiate debt for clients. when we found out the ADS charged up front fees, we terminated the relationship.. we also refunded any monies to clients that were unhappy, and deducted the funds from any ADS proceeds..

    2. we promptly responded to any allegation, and each client was satisfied..

    3. we never claimed to be attys, including myself.. all of my correspondence clearly states that we are NOT attys.. i never gave legal advise or misrepresented myself in any way.

    4. i was appalled by the industry, even before the FTC came down last year. my services are always based on performance (commissions when settlements are reached and accepted)

    5. i have long since sold FINANCIAL 180, as i did not agree with the methods clients were sold by the marketing companies.. while there were a few complaints with BBB, every one was satisfied.. as a side note, i do not believe in the BBB, as they give terrorist groups and nazi groups AAA ratings, because they are paid to.. they also gave WOLFGANG PUCK an F rating, because he wont pay them.. there was a 60 minutes expose on BBB, which i am sure that you have seen. (if not, just ask, ill send the link)

    6. i never declined to furnish names and numbers of the marketing companies.. and would be happy to for ADS, although i believe that the owner of ADS has disappeared..

    please consider the merit and spirit of this response.. i ask that you delete or correct the posting and opinion that you rendered. you are wrong.. if not, then i will ask that you post this email next to your commentary..

    sincerely, i run the most honest debt co in the country, and am endorsed by a very honorable national spokesperson, and fully compliant.

    please send me a confirming response that you will remove,amend, or correct the posting

    also, i would like the name of the atty who made the complaint (or forward this to them)

    thank you

  • Rob Goldstein

    my name is rob goldstein, i previously owned financial 180.. a client of mine forwarded a link, where you made references about me, after hearing from an attorney in florida.

    i am writing to clear up any confusions, and incorrect responses you (and the atty) made..

    1. i was the ‘back end’ company, servicing clients brought to us by marketing “front end’ companies, such as AFFORDABLE DEBT (ADS) in florida.. we never charged the client any front fees, and we were paid to perform services, such as negotiate debt for clients. when we found out the ADS charged up front fees, we terminated the relationship.. we also refunded any monies to clients that were unhappy, and deducted the funds from any ADS proceeds..

    2. we promptly responded to any allegation, and each client was satisfied..

    3. we never claimed to be attys, including myself.. all of my correspondence clearly states that we are NOT attys.. i never gave legal advise or misrepresented myself in any way.

    4. i was appalled by the industry, even before the FTC came down last year. my services are always based on performance (commissions when settlements are reached and accepted)

    5. i have long since sold FINANCIAL 180, as i did not agree with the methods clients were sold by the marketing companies.. while there were a few complaints with BBB, every one was satisfied.. as a side note, i do not believe in the BBB, as they give terrorist groups and nazi groups AAA ratings, because they are paid to.. they also gave WOLFGANG PUCK an F rating, because he wont pay them.. there was a 60 minutes expose on BBB, which i am sure that you have seen. (if not, just ask, ill send the link)

    6. i never declined to furnish names and numbers of the marketing companies.. and would be happy to for ADS, although i believe that the owner of ADS has disappeared..

    please consider the merit and spirit of this response.. i ask that you delete or correct the posting and opinion that you rendered. you are wrong.. if not, then i will ask that you post this email next to your commentary..

    sincerely, i run the most honest debt co in the country, and am endorsed by a very honorable national spokesperson, and fully compliant.

    please send me a confirming response that you will remove,amend, or correct the posting

    also, i would like the name of the atty who made the complaint (or forward this to them)

    thank you

    • http://GetOutOfDebt.org Steve Rhode

      I emailed the attorney and asked them to see your comment.

    • AlCapone

      Rob- I would like to understand how you, as the backend company, could have affiliates who were selling your product, sell it with up front fees while your program was a success based plan. Are you saying you were contracted to negotiate debt on the back end only and paid for that? How is it that they could sell your program & charge clients how they wanted to?

      Can you elaborate please?

    • Watch out!!

      Rob you are one of the biggest thieves in the industry. Who are you trying to kid? Have you forgotten how many letters you would copy and paste inflated balances or just take the entire settlement amount and commission and send fake letter to your client? You’re pathetic and should be in jail.

      • Errick

        I think you’re being too harsh, Rob is the victim here.  Someone stole the Shift key from his computer keyboard!

    • Jennifercorm346

      You claim to be an honest business person.  Since i don’t know you I will give you the benefit of doubt.  Please give the contact number for david Huffman since you sold him Financial 180.  Also, if you are still in the business of aiding folks in debt problems, how would one contact you? 

      • Denbleyker6

        Jennifer I also am looking for David Huffman, please email me denbleyker6@gmail:disqus .com he has over $9000 owed to me

  • Marisaak

    Financial Crisis 180 is a total and complete scam. After checking in with them monthly for 12 months and only receiving attitude and no progress I asked to cancel my account. They did absolutely nothing during the 12 months, yet out of the $3,000 I had paid to them, they only refunded $800, claiming the rest went to their commission charges listed in the contract. Last time I checked, commission gets paid when people actually do something – have now found out they never even contacted my creditors. Horrible people, the man will give you the name John Allen and his bitchy assistant goes by Raquel Walker. Good luck. Horror story.

    Marisa
    [email protected]

  • Marisaak

    Financial Crisis 180 is a total and complete scam. After checking in with them monthly for 12 months and only receiving attitude and no progress I asked to cancel my account. They did absolutely nothing during the 12 months, yet out of the $3,000 I had paid to them, they only refunded $800, claiming the rest went to their commission charges listed in the contract. Last time I checked, commission gets paid when people actually do something – have now found out they never even contacted my creditors. Horrible people, the man will give you the name John Allen and his bitchy assistant goes by Raquel Walker. Good luck. Horror story.

    Marisa
    [email protected]

  • ComplianceSlave

    http://web.archive.org/web/200
    08-11-07 where their page pointed. I didnt search the last two- but now u can.
    In Florida, the law was not written to govern debt settlement but has been imposed as such in the past- It states you can charge 7% of the debt. What the law says & what companies charge are generally 2 different things. http://www.lawserver.com/law/s
    Need more info to help u further. Steve can give you my email if you like.

  • http://www.ftc.gov ComplianceSlave

    http://web.archive.org/web/20070811205436/http://affordabledebtsolutions.com/
    08-11-07 where their page pointed. I didnt search the last two- but now u can.
    In Florida, the law was not written to govern debt settlement but has been imposed as such in the past- It states you can charge 7% of the debt. What the law says & what companies charge are generally 2 different things. http://www.lawserver.com/law/state/florida/statutes/florida_statutes_817-801
    Need more info to help u further. Steve can give you my email if you like.

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