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Reader Raises Questions About Debt Free Angels. Good Questions.

A reader, now a beloved tipster (send in your tips here), sent in some questions about a San Antonio, Texas company, Debt Free Angels.

Here is what Shawn said.

  • This company in the above link claim to eliminate 60%-80% of debt while claiming to boost credit. They also claim to avoid “Lawsuits” and no long term negative effect on credit or court costs. Toward the bottom of their page, they claim to increase credit score in 4 to 36 months. – Source
  • This page above says “enrolled more than $5 million dollars in our Debt Elimination program which is freeing up $3 million dollars for San Antonio Families” Are they saying they are 100% successful?

    “Debt is Gone Forever!

    Debt Free Angels Guarantees that 60% to 80% of your debt will be eliminated forever .” – Source

  • They claim their option is “much much much BETTER THANK BANKRUPTCY OR CREDIT COUNSELING

    In the video on the front page they say “the laws are on their side, we make sure they are protected”, “we help people to eliminate their debt, reduce their mortgages, clean up their credit and get back on track”. The video shows the major programs and they” eliminate 60-80% of all of the credit card debt” , loan modification where “everyone qualifies” and credit repair to “getting them qualified to purchase a home in 12 months or shorter” as well as how to save $6,000 to $10,000 on their taxes. They also say “lots of our services are free, some of the ones that you do pay for there is always a money back guarantee” There are no disclaimers on their site that I could see.

  • Here they claim they have been in compliance with the FTC for 6 years.

    KSAT – Local Experts for Debt Elimination!

    The Federal Trade Commission is on Mission to shut down Attorney based Telemarketers who APPEAR to be legit in settling debt.

    We are the authentic Debt Elimination company supported by and promoted by local channel 12, KSAT. The new rules, as of October 27th, 2010, have put 90% of the companies out of business-the FTC is fining and often jailing those who have hurt so many familes across America.

    We were already in complete compliance, and in fact have been since we started over 6 years ago!

    We are Debt Elimintion with Integrity-we are Debt Free Angels-who do you know, that needs an Angel on their side? – Source

  • Here is another advertisment: (Full Page)
    Reader Raises Questions About Debt Free Angels. Good Questions.

    Shawn says, “Being in the financial industry, I have seen lots of these types of so call “debt elimination” companies making outrageous claims, but this one takes the cake.”

    So Let’s Poke Around a Bit

    It appeared that the points and links in Shawn’s tip were true and accurate so I decided to take a closer look at the site. What struck me at first were all the claims made on the home page. They seem to fly in the face of claims made by others that the FTC has pursued action against. I’ve marked some of the claims on the home page which are problematic in my opinion.

    Reader Raises Questions About Debt Free Angels. Good Questions.

    Here is my rundown of concerns.

    1. The video does make some interesting statements and dubious claims:
      • “They don’t know there is relief out there, the law is actually on their side, we make sure they are protected”
      • “We were running a collection firm and all of a sudden we found that people had run out of money three or four years ago. So I started looking into different ways we might be able to help them. And in that process I found all these buried government programs nobody knew anything about. So we flipped sides.”
      • The number one mistake people make when managing their debt is that they are continuing to pay on their credit cards interest that they cannot afford to pay. If they are not able to get rid of their debt in a six month period on their credit cards they need to rethink their financial strategy.”
      • “Our debt settlement program where we eliminate 60 to 80 percent of all of their credit card debt, medical bills, unsecured trade lines, credit lines, student loans, repossessions.”
      • “We also do loan modification where we lower the interest rate on their existing mortgage where everyone qualifies.”
      • “It actually clears up your credit record and says your loan is paid in full.”
    2. How do they know they are the #1 debt elimination company in San Antonio. Who is the independent auditor of that claim?
    3. Is all the debt enrolled in the program 100% guaranteed to be dealt with?
    4. They use the LocalExperts KSAT logo and mention it in the ad for credibility but on their KSAT page it clearly says, “KSAT’s Local Experts page on KSAT.com is provided only as a convenience and service to its users. This paid advertising is not to be construed as an endorsement by KSAT of any advertiser, product or service advertised herein.”
    5. Again, the best claim is made but that clearly appears to be unsubstantiated.
    6. It appears they are describing their debt settlement program but debt settlement is not a legal right. It is a negotiated agreement. If we want to talk legal then it should be mentioned that creditors have a 100% legal right to sue when you don’t pay.
    7. Boost your credit score appears to be a claim of credit repair and since some of the services are for a fee it seems to create trouble with the Credit Repair Organizations Act.
    8. They keep throwing around student loans as if they are easy to “legally eliminate” which is an unfounded statement.
    9. Debt settlement is not the path to avoid stress, lawsuits, nor even bankruptcy. When attempting to settle debts over a long period of time you will remain in collections, you can be sued, and bankruptcy, which is a legal tool, can eliminate 100% of your debt.
    10. No long term negative effect on your credit? When you fall behind on making payments to your creditors that will be reported for seven years on your credit report.
    11. Link did not work. Probably should have linked here.
    12. Appears to make claims the FTC specifically says are not allowed under the telemarketing sales rules about debt reduction and time out of debt. In order to make such claims all enrolled consumers must experience this result and costs must include enrolled debts plus fees.

    They also put out the following video about their debt settlement program. The video makes some statements which concern me.

    • “Debt settlement right now is our most popular program because most of America is terribly in debt. We are able to help people with student loans, credit cards, credit lines, repossessions, anything that is unsecured we can reduce it 60 to 80 percent.”
    • “In some cases we can eliminate it entirely off your credit report. If they are already behind we can settle and get it pulled off the credit report really fast.”
    • “If they are current we need to wait at least 90 to 120 days. But during that time we are very unique because we send out cease and desist letters and we stand in between the client and creditor. They can’t harass them, they can’t come to their home, they can’t go to their workplace, they can’t put liens on their houses, they can’t do any of the things they threaten to do, because it’s illegal.”
    • “From the moment they enroll in debt settlement their is no more interest and no more penalties. They are not going to be harassed. ”
    • As each debt is settled we have it cleaned off their credit report. So that their credit should be improving as they go through the program. Our goal is to have their credit repaired better than it was before they entered the program.”
    • Graphic: Clean your credit while eliminating your debt

    Readers of the site will already know why these statements concern me. But for those unaware, the statements of debt reduction are against the FTC guidance on debt relief marketing unless they represent the collective experience of the company with every aggregated debt enrolled by all consumers. The statements of having debts removed off the credit report are disturbing. It appears to be an inducement for the consumer to potentially get trapped in a credit fraud situation when they latter use a credit report that has had true and accurate information removed. A cease and desist letter is almost a surefire way for a consumer to invite being sued by their creditor. And the letter has no power over the creditor which owns the debt, only third party debt collectors. Creditors can continue all collection efforts and that is entirely legal. Interest and penalties continue to accrue on debt settlement enrolled debts. Creditors don’t stop charging those just because a consumer elected to send their money to Debt Free Angels instead of their creditor. And again we have the disturbing statements of repairing credit for a fee that create problems.

    One their bankruptcy page they publish the following chart.

    Reader Raises Questions About Debt Free Angels. Good Questions.

    The chart appears to be full of dubious claims and statements. It also makes no mention of the benefits of a Chapter 7 bankruptcy.

    But to run down the claims on bankruptcy:

    Upfront money needed: Not true. many bankruptcy attorneys do accept payment plans for a Chapter 13.

    Expected to pay: There is no expectation to be able to repay debt. It is determined by your income and liabilities. Homes, if you keep making payments, retirement accounts and other debts are off limits.

    Effect on credit score: Chapter 13 is reported for seven years.

    Ability to purchase car: Your interest rate immediately following bankruptcy may be higher but you can lower than with a larger downpayment and or letting time pass.

    Impact on employment: The military actually looks at bankruptcy as the more responsible step since it is a legal process that addresses the debt.

    I have not even addressed their column which is just as defective.

    Overall the chart and claims made by the site are wandering into dangerous territory. It would seem that any consumer that errantly enrolled in the program and obtained a negative result would certainly have grounds for a claim of deception and misrepresentation.

    So Who Are They

    According to the State of Texas there is no company registered to do business under the name Debt Free Angels.

    Reader Raises Questions About Debt Free Angels. Good Questions.

    Google shows the company is located here.

    Reader Raises Questions About Debt Free Angels. Good Questions.

    The property is described as “office warehouse. Approximately 40% office/showroom and 60% warehouse with HVAC throughout.” – Source

    According to public information about Christina Randell, President & CEO she has, “been fortunate enough to now start 4 business that grossed over a million in their first two years.”

    She was also the president & CEO of GreatBizSites Web Design. – Source. Since Debt Free Angels is listed using the same post office box as GreatBizSites, PO BOX 780367, San Antonio, TX, I’m left wondering if that is the corporation Debt Free Angels belongs to. But maybe my question was answered when I looked at the DebtFreeAngels.com domain name, which is actually owned by GreatBizSites Web Design and Christina Randell at 4337 Vance Jackson Rd, Suite 100, San Antonio, TX 78230.

    GreatBizSites was cited by the FCC for making telemarketing calls to people on the National Do-Not-Call Registry. – Source

    GreatBizSites, Inc. is actually a current and active Texas corporation. – Source

    My advice, too many red flags, run away.

    Reader Raises Questions About Debt Free Angels. Good Questions.
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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.
    • Question

      Looks like the cat has got her tongue and we are not going to get any answers. 

    • Question

      Cynthia, from the link below you are no longer listed with KSAT. Did you lose your supposed “endorsement” or did you stop paying them to advertise on their site? Which one is it?

      http://www.ksat.com/localexper

    • Steve Rhode

      I’m actually not going to call her. I prefer to carry out these discussion in public so everyone can participate.

    • Anon

      This is probably the most deceptive company I have ever seen and the kind of crap that gives the credit and debt industry such a bad name. Question, don’t hold your breath on getting answers your questions being answered. Shame, shame, shame on them, and with a name like Debt Free Angels to use a front for trust! Even if they were given the benefit of the doubt and are just stupid, they certainly should not be handling peoples finances.  Being ex collections people and we can toss benefit of the doubt out the window. I know Texans might not be the sharpest tools in the shed (just kidding) but seriously the average consumer doesn’t know any better and are probably mislead left and right by these people.

      And to top it off- they claim to be a Christian company: https://christianfinancialasso

      I’m surprised FTC, attorney general, BBB, pissed consumer or what have you hasn’t taken action yet, this one is the biggest no brainier there is. I wonder if Steve is going to call her as I’d like to see that conversation posted on here.

    • Question

      Cynthia,

      How about just going down the comments above and addressing each item. You mention you only market in Texas. Do you charge advance fees? In other words, do you charge a customer before you settle a debt? You claim you have been in compliance with the FTC for 6 years, have you not been charging advance fees for 6 years?  Have you really been doing debt settlement for 6 years or were you reffering to your collection firm? If so, that is very missleading. You mention you were looking at settlement in this statement “We were running a collection firm and all of a sudden we found that people had run out of money three or four years ago.”

      One might take your statement that you only market in Texas as a reason for some of your behaviors.

      In addition to the reduction Steve asks you, does this reduction include your fees?
      Where is your mention of the negative effects of debt settlement, including potential lawsuits, tax consequenses, affect on credit etc.

      How does “everyone qualify” for your loan mod? Can you back that up?

      Here you basically claim that you can always settle all of their debt at 60-80%. “Our debt settlement program where we eliminate 60 to 80 percent of all of their credit card debt, medical bills, unsecured trade lines, credit lines, student loans, repossessions.”

      You claim “It actually clears up your credit record and says your loan is paid in full.” If you really came from collections, you know this is not true. It may say more like “paid charge off” “paid collection” or “settled for less than full balance”.

      Explain this one “If they are already behind we can settle and get it pulled off the credit report really fast”

      Why do you flat out lie here, comming from collections shame on you! You know the balances go up ad interest and fees are added, and you know that even if you sent a cease and desist, the creditors could still call.
      “From the moment they enroll in debt settlement their is no more interest and no more penalties. They are not going to be harassed. ”

      Saying that you are having your website rebuilt does not let you off the hook. You have made claims that you need to back up or admit that you lied in your advertising with many statements and claims.

    • Steve Rhode

      Cynthia,

      So are you saying that of all the consumers you have enrolled, including those that have not settled or dropped out that the average result achieved is a 60% reduction?

      On the KSAT issue I don’t dispute you have a relationship with KSAT but as I said KSAT says ““KSAT’s Local Experts page on KSAT.com is provided only as a convenience and service to its users. This paid advertising is not to be construed as an endorsement by KSAT of any advertiser, product or service advertised herein.” KSAT might take exception that you are using their name as an endorsement when they disclaim that.

      Ouch, the cease & desist letters are a problem if not used correctly. They can lead to early litigation and you do realize they do not cover all creditors?

      Your credit score statement just ran you afoul of CROA so you might want to rethink that one.

    • Cynthia H

      Hello Everyone, 

      I am the Marketing and Communications Coordinator for Debt Free Angels, and it looks like some of you have expressed concerns with our program.  I understand how you can perceive some of our claims as false advertising, and we are working on correcting those problems currently.  We are in the process of having a new website built, which should be completed by June 1.  

      Firstly, we have substantial documentation to prove that we can eliminate debt by at least 60% or more.  
      Secondly, we were investigated by KSAT12′s Troubleshooters before they extended the Local Expert Qualification to us. 
      Thirdly, in Texas, our state government has enacted laws that protect the consumer from harassment by their creditors.  We have found that creditors collecting on past due debt use scare tactics to get the customer to pay.  For example, a creditor cannot make you sell your assets for unsecured debts, they cannot call you at work, and they cannot come to your home or place of employment.  The majority of our customer base is in San Antonio, and we do not market to consumers out of Texas.  

      For clarification on the elimination of debt:
      Unsecured debt can be credit cards, medical debt, and student loans.  Yes, student loans are unsecured.  We are not able to settle debt for some Federally backed loans, however we have settled student loans with private companies.  

      There are stipulations to our program:
      To qualify, you must have, in the past 3 years, had a hardship befall on you and your family, such as divorce, loss of a job or a loss of hours, the loss of a financial partner, or an extreme illness or injury that would prevent you from working.

      Initially when a client enrolls in the program, we automatically discount their amount of debt by 60%.  We send Cease and Desist letters to our clients’ creditors, so the harassing phone calls stop.  The interest and penalty fees are reversed before we will begin negotiations for settlement.  We inform our clients that the creditor has the right to sue them, however we are able to settle judgement as well. Also, the credit score will increase as each debt is settled because the creditor reports a paid in full/ zero balance to the credit bureau instead of a settled amount.  

      I have a copy of our Assumed Name Certificate filed with Gerry Rickhoff, County Clerk for Bexar County’s office and would be more than willing to provide that for any one who has further questions. 

      Please feel free to contact us or comment back with further questions.       

      I would love to have the opportunity to speak with you, Steve. Please call us at 210-979-9447, 

      Cynthia

    • Cynthia H

       Hello Everyone, 

      I am the Marketing and Communications Coordinator for Debt Free Angels, and it looks like some of you have expressed concerns with our program.  I understand how you can perceive some of our claims as false advertising, and we are working on correcting those problems currently.  We are in the process of having a new website built, which should be completed by June 1.  

      Firstly, we have substantial documentation to prove that we can eliminate debt by at least 60% or more.  
      Secondly, we were investigated by KSAT12′s Troubleshooters before they extended the Local Expert Qualification to us. 
      Thirdly, in Texas, our state government has enacted laws that protect the consumer from harassment by their creditors.  We have found that creditors collecting on past due debt use scare tactics to get the customer to pay.  For example, a creditor cannot make you sell your assets for unsecured debts, they cannot call you at work, and they cannot come to your home or place of employment.  The majority of our customer base is in San Antonio, and we do not market to consumers out of Texas.  

      For clarification on the elimination of debt:
      Unsecured debt can be credit cards, medical debt, and student loans.  Yes, student loans are unsecured.  We are not able to settle debt for some Federally backed loans, however we have settled student loans with private companies.  

      There are stipulations to our program:
      To qualify, you must have, in the past 3 years, had a hardship befall on you and your family, such as divorce, loss of a job or a loss of hours, the loss of a financial partner, or an extreme illness or injury that would prevent you from working.

      Initially when a client enrolls in the program, we automatically discount their amount of debt by 60%.  We send Cease and Desist letters to our clients’ creditors, so the harassing phone calls stop.  The interest and penalty fees are reversed before we will begin negotiations for settlement.  We inform our clients that the creditor has the right to sue them, however we are able to settle judgement as well. Also, the credit score will increase as each debt is settled because the creditor reports a paid in full/ zero balance to the credit bureau instead of a settled amount.  

      I have a copy of our Assumed Name Certificate filed with Gerry Rickhoff, County Clerk for Bexar County’s office and would be more than willing to provide that for any one who has further questions. 

      Please feel free to contact us or comment back with further questions.       

      I would love to have the opportunity to speak with you, Steve. Please call us at 210-979-9447, 

      Cynthia

      • http://GetOutOfDebt.org Steve Rhode

        Cynthia,

        So are you saying that of all the consumers you have enrolled, including those that have not settled or dropped out that the average result achieved is a 60% reduction?

        On the KSAT issue I don’t dispute you have a relationship with KSAT but as I said KSAT says ““KSAT’s Local Experts page on KSAT.com is provided only as a convenience and service to its users. This paid advertising is not to be construed as an endorsement by KSAT of any advertiser, product or service advertised herein.” KSAT might take exception that you are using their name as an endorsement when they disclaim that.

        Ouch, the cease & desist letters are a problem if not used correctly. They can lead to early litigation and you do realize they do not cover all creditors?

        Your credit score statement just ran you afoul of CROA so you might want to rethink that one.

      • Question

         Cynthia,

        How about just going down the comments above and addressing each item. You mention you only market in Texas. Do you charge advance fees? In other words, do you charge a customer before you settle a debt? You claim you have been in compliance with the FTC for 6 years, have you not been charging advance fees for 6 years?  Have you really been doing debt settlement for 6 years or were you reffering to your collection firm? If so, that is very missleading. You mention you were looking at settlement in this statement “We were running a collection firm and all of a sudden we found that people had run out of money three or four years ago.”

        One might take your statement that you only market in Texas as a reason for some of your behaviors.

        In addition to the reduction Steve asks you, does this reduction include your fees?
        Where is your mention of the negative effects of debt settlement, including potential lawsuits, tax consequenses, affect on credit etc.

        How does “everyone qualify” for your loan mod? Can you back that up?

        Here you basically claim that you can always settle all of their debt at 60-80%. “Our debt settlement program where we eliminate 60 to 80 percent of all of their credit card debt, medical bills, unsecured trade lines, credit lines, student loans, repossessions.”

        You claim “It actually clears up your credit record and says your loan is paid in full.” If you really came from collections, you know this is not true. It may say more like “paid charge off” “paid collection” or “settled for less than full balance”.

        Explain this one “If they are already behind we can settle and get it pulled off the credit report really fast”

        Why do you flat out lie here, comming from collections shame on you! You know the balances go up ad interest and fees are added, and you know that even if you sent a cease and desist, the creditors could still call.
        “From the moment they enroll in debt settlement their is no more interest and no more penalties. They are not going to be harassed. ”

        Saying that you are having your website rebuilt does not let you off the hook. You have made claims that you need to back up or admit that you lied in your advertising with many statements and claims.

        • Anon

          This is probably the most deceptive company I have ever seen and the kind of crap that gives the credit and debt industry such a bad name. Question, don’t hold your breath on getting answers your questions being answered. Shame, shame, shame on them, and with a name like Debt Free Angels to use a front for trust! Even if they were given the benefit of the doubt and are just stupid, they certainly should not be handling peoples finances.  Being ex collections people and we can toss benefit of the doubt out the window. I know Texans might not be the sharpest tools in the shed (just kidding) but seriously the average consumer doesn’t know any better and are probably mislead left and right by these people.

          And to top it off- they claim to be a Christian company: https://christianfinancialassociation.com/education-resources/resources/debt-free-angels.html

          I’m surprised FTC, attorney general, BBB, pissed consumer or what have you hasn’t taken action yet, this one is the biggest no brainier there is. I wonder if Steve is going to call her as I’d like to see that conversation posted on here.

        • http://GetOutOfDebt.org Steve Rhode

          I’m actually not going to call her. I prefer to carry out these discussion in public so everyone can participate.

      • Question

        Cynthia, from the link below you are no longer listed with KSAT. Did you lose your supposed “endorsement” or did you stop paying them to advertise on their site? Which one is it?

        http://www.ksat.com/localexperts/index.html

        • Question

          Looks like the cat has got her tongue and we are not going to get any answers. 

    • batman

      Holy smokes batman, if the FTC does not go after this company they are certainly not serious about enforcement actions

    • Anon

      I have more questions about Debt Free Angles with the video.

      “we are able to help people with their student loans……anything that is unsecured we can reduce it by 60-80%”

      Are they saying student loans are unsecured?

      “In some cases we can eliminate it entirely off your credit report, if they are already behind we can settle and get it cleaned your credit report really fast”

      Seriously?

      “We send out cease and desist letters and we stand in between the client and the creditor. They can’t harass them, they can’t come to their home, they can’t can’t go to their work place, they can’t go to their work place, they can’t put liens are their houses, they can’t do any of the things they are threatening to do because it is illegal”

      So it is illegal to sue for debt that is owed that goes unpaid?

      “….we are able to settle your 30 thousand dollar credit card for 10 thousand dollars…..”

      Are they implying their average settlement is 33% of balance at time of enrollment?

      “From the moment they enroll in debt settlement theirs no more interest and there’s no more penalties, they are not going to be harassed….”

      I’m sorry to ask this but is the lady lying or just stupid?

      “As each debt settles we have it cleaned of their credit report so that their credit should be improving as they go though the program. Our goal is to have their credit repaired and better than before they entered the program” and “…….at the end delivered a client that is completely debt free with fantastic credit….”

      So if I have a 750 credit score and never missed a payment before I enroll in your program, my credit is going to be better after I go delinquent and you settle my debts, assuming you can settle them all? If the creditors report my delinquent payment history, you can remove that information even if it is accurate and verifiable?

    • Anon

      I have more questions about Debt Free Angles with the video.

      “we are able to help people with their student loans……anything that is unsecured we can reduce it by 60-80%”

      Are they saying student loans are unsecured?

      “In some cases we can eliminate it entirely off your credit report, if they are already behind we can settle and get it cleaned your credit report really fast”

      Seriously?

      “We send out cease and desist letters and we stand in between the client and the creditor. They can’t harass them, they can’t come to their home, they can’t can’t go to their work place, they can’t go to their work place, they can’t put liens are their houses, they can’t do any of the things they are threatening to do because it is illegal”

      So it is illegal to sue for debt that is owed that goes unpaid?

      “….we are able to settle your 30 thousand dollar credit card for 10 thousand dollars…..”

      Are they implying their average settlement is 33% of balance at time of enrollment?

      “From the moment they enroll in debt settlement theirs no more interest and there’s no more penalties, they are not going to be harassed….”

      I’m sorry to ask this but is the lady lying or just stupid?

      “As each debt settles we have it cleaned of their credit report so that their credit should be improving as they go though the program. Our goal is to have their credit repaired and better than before they entered the program” and “…….at the end delivered a client that is completely debt free with fantastic credit….”

      So if I have a 750 credit score and never missed a payment before I enroll in your program, my credit is going to be better after I go delinquent and you settle my debts, assuming you can settle them all? If the creditors report my delinquent payment history, you can remove that information even if it is accurate and verifiable?

      • batman

        Holy smokes batman, if the FTC does not go after this company they are certainly not serious about enforcement actions

    • Steve Rhode

      I already have listings for most companies where people can vote. Look at the related links on the bottom of the article.

      If the calls did not exit the state then the FTC may not have jurisdiction under the telemarketing sales rules but misrepresentation and deception is always actionable if the consumer feels they have been misled.

      Depending on a state loophole alone would be entirely foolish. Best solution, simply comply with the TSR rules.

    • lang wang

      Maybe Mr. Rhodes can make a section for the no compliance shady shops and readers can vote for who gets the worst of the worst award

      If a company does not market outside of their state, can the FTC still step in for making false claims? The FTC mentions the rule applies to “interstate” calls. So if someone in Florida is only marketing in Florida, what juristiction does the FTC have?

    • lang wang

      Maybe Mr. Rhodes can make a section for the no compliance shady shops and readers can vote for who gets the worst of the worst award

      If a company does not market outside of their state, can the FTC still step in for making false claims? The FTC mentions the rule applies to “interstate” calls. So if someone in Florida is only marketing in Florida, what juristiction does the FTC have?

      • http://GetOutOfDebt.org Steve Rhode

        I already have listings for most companies where people can vote. Look at the related links on the bottom of the article.

        If the calls did not exit the state then the FTC may not have jurisdiction under the telemarketing sales rules but misrepresentation and deception is always actionable if the consumer feels they have been misled.

        Depending on a state loophole alone would be entirely foolish. Best solution, simply comply with the TSR rules.

    • Guest

      Wow. All I can say is wow. I can’t even begin commenting on this overwhelming list of “what the hell are you thinking making all these outrageous claims in a video” list. I mean, I’m utterly shocked by that video. The OWNER of this company is making these claims??? I could see an ill-equipped agent or an under-educated telemarketer, but the OWNER??? Oh my.

    • Guest

      Wow. All I can say is wow. I can’t even begin commenting on this overwhelming list of “what the hell are you thinking making all these outrageous claims in a video” list. I mean, I’m utterly shocked by that video. The OWNER of this company is making these claims??? I could see an ill-equipped agent or an under-educated telemarketer, but the OWNER??? Oh my.

    • Allison

      “And in that process I found all these buried government programs nobody knew anything about.”

      Well that’s one heck of a gold mine they found that allows them to make (and back up?) such egregious claims that I’m sure, have them already on a white board on the FTC’s to do list wall.

      Seems any smart entrepreneur would be wise to simply sign up for their services and then be exposed to these secret Government Programs, which they can now use to copy this “legal” business model.

      I’ll bet the ranch you have another article up soon that has both the words “Debt Free Angel” and “FTC” mentioned many times within.

    • Allison

      “And in that process I found all these buried government programs nobody knew anything about.”

      Well that’s one heck of a gold mine they found that allows them to make (and back up?) such egregious claims that I’m sure, have them already on a white board on the FTC’s to do list wall.

      Seems any smart entrepreneur would be wise to simply sign up for their services and then be exposed to these secret Government Programs, which they can now use to copy this “legal” business model.

      I’ll bet the ranch you have another article up soon that has both the words “Debt Free Angel” and “FTC” mentioned many times within.

    • Shawn

      Steve- maybe you could stop by their conference and ask them some of these questions?

      http://www.debtfreeangels.com/

      I would but I can’t justify a days drive only to get booted out when I get there lol

      Shawn

    • Shawn

      Steve- maybe you could stop by their conference and ask them some of these questions?

      http://www.debtfreeangels.com/calendar/calendar_day/7937273/2011-2-3.htm

      I would but I can’t justify a days drive only to get booted out when I get there lol

      Shawn

      • http://www.facebook.com/profile.php?id=1340929904 Julie Ottaway

         Since all of you are hell bent on destroying the company, why don’t you do yourselves and all those out there that need help, actually stop by and let them answer your questions. I believe assuming they are going to kick you out is a false assumption, once again leading others to think you know just what the hell you are talking about. Internet business bombs are more unreliable then the Companies they are bombing. It is getting to be you that one cannot believe a single review out there…..Funny thing about this….None of you are disgruntled customers. You are just out there hating on what they have said on their advertising. It makes you ……………………………….Liars.

        • http://www.facebook.com/profile.php?id=1340929904 Julie Ottaway

           And because you let this happen on your site Mr. Steve Rhode……..you are  complicit. I wouldn’t come to you on a bet. You are using this site to destroy a competitor. Shame on you.

        • http://GetOutOfDebt.org Steve Rhode

          If there is anything that I wrote in the article that is factually incorrect, please bring it to my attention so I can correct it.

          The irony about your point that I am somehow complicit for allowing people to have an opinion and post comments makes me equally complicit for allowing you to post an opposing opinion and post your comment.

          The company has an equal opportunity to answer the comments and clarify the concerns of others but outside one comment that left more questions open than it answered, they’ve been silent and not answered the followup questions.

          In their absence, would you be willing to answer the open questions raised on their behalf? That would go a long way to ending criticism others may have had.

        • Guest

          Is it fair that this company gets away with exactly what the Federal Trade Commission deams as deceptive and missleading advertising (which likely lower their marketing costs) and while other companies who follow the rules have to spend more in marketing to attract consumers?

          Is it fair that this company charges ADVANCE FEES while other companies have to fund their operation and work for their fees before getting paid?

          Is it fair to their consumers who belive these so call “angels” and are required to pay in advance for services that might not yeild any results and instead the customer could of easily found a company with NO ADVANCE FEES?

          Thank you Steve for positing this article to educate consumers. I’m sure you have saved alot of people from these demons.

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