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Debtmerica Takes Stance Against Attorney Model Debt Settlement Companies

In a press release sent out today by Debtmerica they made some interesting statements regarding attorney model debt settlement companies.

“At Debtmerica, our staff all participated in making sacrifices so we could continue to pursue our mission of helping Americans become debt free and remain so. To see that consumers are readily engaging in our new debt resolution programs and achieving faster settlements is a significant milestone,” says Harry Langenberg, managing partner and Chief Operating Officer.

With this new ruling in place, unfortunately many less stable service providers have sought sanctuary by partnering with law firms who claim exemption from the FTC rule and continue to assess substantial up-front fees to consumers through these so-called “attorney model” debt settlement firms. Given the inherent restrictions placed on legitimate service providers by the FTC rule, some service providers felt they had no other alternative than to work around the contingency fee constraints or to close up shop. Debtmerica believes that these “attorney models” are nothing more than a temporary loophole in the FTC rule and expects the FTC to scrutinize the service providers operating in this manner. Debtmerica is also a proponent of states adopting regulations consistent with the FTC ruling while also allowing firms to assess a fair fee for services rendered.

“Debtmerica has worked tirelessly to adapt to the new FTC rule and is not gambling that any loopholes in the law will successfully circumvent it. While Debtmerica was well prepared to weather the challenges in our industry, we are warning consumers to be very careful about engaging with other companies that have chosen riskier business models that may jeopardize their stability and the success of their client programs,” explains Jesse Torres, Debtmerica’s other managing partner.” – Source

Hey Debtmerica, thanks for taking a stand. And for that I’ll even give you a link back to your site. Make that two links.

Debtmerica Takes Stance Against Attorney Model Debt Settlement Companies
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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.
  • Mark Bunch

    15 BBB complaints. That isn’t to bad. Here’s a “link” to read about those. http://www.trustlink.org/Revie

    Didn’t know California AG and New York AG isn’t in favor of this company.

  • Mark Bunch

    15 BBB complaints. That isn’t to bad. Here’s a “link” to read about those. http://www.trustlink.org/Reviews/Debtmerica-Relief-205959980

    Didn’t know California AG and New York AG isn’t in favor of this company.

  • Steve Rhode

    Good suggestions but I simply don’t have free time to go sell ads. That’s why I rely on Google and now trying BuySellsAds.

    The whole point of an automated ad revenue program is that it runs itself and allows me to focus on all the other stuff that occupies my time with the site.

  • Mike Reilly

    You pose a couple of good question Steve, well the AACC for one; they would be a good fit or any of the members individually. Maybe a call out to some of the educators or associations; NFCC, IAPDA, Mstars, USOBA, TASC..etc. I realize the site is geared toward consumers but all these guys have consumer based messages and a clear interest with industry participants.

    The DIY guys and coaches should be all over this! As far as Emerge America goes, we do not buy internet advertising of any kind today, plus, you’re too rich for my blood. Believe me I certainly discussed it with Steve, (my partner) we have other initiatives underway that require any excess capital we have in our ad coffers.

    Here’s another thought, look to some of the “work at home sites”, I think there’s one called work at home mom. Anyway think about those looking for advice here, most if not all could probably use some form of extra income, do you know how many work at home programs would probably love to advertise here if they knew the site existed? I’ll bet many!

    Another thing I just heard about is there are companies out there lending on clean title vehicles; cars, motor homes, boats etc. I hear it’s based on a deep discount to Kelly Blue Book and a higher interest rate but something worth looking at. How about discount insurance, aflac..the list could be endless, think about the financial analysis of a candidate and how you would help them trim their budget.

    I think services providers and extra income.

  • Steve Rhode

    Actually….I’ve been very clear about the nightmare that would be policing Google ads. On the BuySell blocks I actually have them setup on auto-approve so I don’t have to fuss with that either.

    The link is actually in a less noticeable spot, right under the 125 buttons. Not sure if it is so not noticeable that you didn’t see it. The advertise here block is simply how the BuySell program holds an ad space open.

    And by the way, you made a statement that I get a grand for an ad but don’t forget the ad representative, BuySell gets 25% of that.

    I’m now curious, if you don’t like the advertisers on the site, what advertisers do you suggest that can help to fund the work this site does? You appear to be critical of the advertisers but not willing to step up and help support the site by buying an ad yourself. What gives?

  • Mike Reilly

    You guys are cool and so is Steve, the issue is not the money, I hope Steve rakes it in but when I read other posts where he has been challenged regarding the Google ads and his response is I don’t/can’t control them…well we all know he can control these. That’s it.

    What about the “Lets Play, Do They Comply” if you’re and advertiser on this site, what, you won’t be a contestant? That seems a little funky, no? At a minimum lose the other “Advertise Here” block and put a link in place in a less conspicuous area, advertisers will find it. Looking at this from a consumer’s perspective aside from the Google ads this ad could easily be mistaken as an endorsement.

    Yanks with a 2-0 start, it’s early I get it, but you gotta love it!

    Damon, who’s your home team ball club? You’re on the west coast no?

  • Damon Day

    Mike, honestly I don’t care where the ad goes to. Almost every Ad for debt settlement is a total rip off. That isn’t anything new.

    Here is my take, these loop holers, front loaded fee guys, scammers, whatever, are going to run ads. Whether they show up on Steve’s site or someone else’s, they are going to be out all over the place. They always have been.

    So follow my logic. If someone was going to be running a front loaded fee BS program, isn’t it better that the consumer came from Steve’s site? So at least there is a chance that if they spent any time on Steve’s site before they clicked an ad, they would recognize the BS sales pitch and say no thanks.

    Isn’t that better than a consumer finding that program from some web spam affiliate BS article writer who is going to tell consumers it is great?

    Now, that is just my take, if you don’t agree, that is fine. You can do whatever you want to do on your site.

  • Damon Day

    Then what would I do for fun?

  • Andy Faria

    .. and yes Mike, with opening day brings that great divide between myself and any Yankees fan. Unfortunately, I will have to disagree with anything you say until at least September. :)

  • Andy Faria

    Oh ok, I see where you’re going with that now. I never noticed the uncle sam ad before. I was having some trouble cracking the code too. So is that how much it costs? a thousand bucks? I say, good for you Steve, get all you can and keep up the good work.

    I wish that you and Damon would kiss and make up or something, you’re always fighting over the dumbest shit. We all know you both do good stuff, you both just need to stop trying to measure each others johnson. It’s pointless.

    “can I buy a vowel”, now i think we can all admit, that was funny.

  • Mike Reilly

    is a G a G means $ $1000 for the ad….. if thats what need decoding

    Meaning I dont care who runs an ad, a $1000 is a $1000

  • Mike Reilly

    Damon I realize you have not been involved is this thread from the start or potentially the thread I refer to. My comments are directed to Steve who knows exactly what I’m talking about. However, since you are so curious about some or all of my thoughts here, let me ask you for your professional opinion on a subject dear to your heart.

    Do a little research on the “Uncle Sam” advertiser to the right of this site and when complete, tell me what you think. Then match it to the theme of this site and again, tell me what you think. When and if you complete this mission, the subject of this thread (the heart of the matter) will become very clear.

    Fair enough?

  • Damon Day

    Can I buy a vowel, or just maybe get a Reilly decoder?

  • Mike Reilly

    You know what, the tough questions never get answered on this site. They all get glazed over, and that’s just a general comment for some to chew on.

  • Mike Reilly

    Well Damon you did jump in and it’s about time, Now you’re the voice of the people too?

    Damon you’re a smart guy too, get with the program….oh..thats right you are with the program

    I wonder, if LHDR wanted one of the ad spots here would they run into resistance or, is a G a G

  • Damon Day

    Actually the whole thing is pretty confusing. It seems you are complaining because Steve linked to Debtmerica and didn’t do the same thing for you.

    Not trying to jump in on this, just giving you the perspective of most anybody else that would read this Mike.

    If you find that your writings seem to consistently not portray what you really want to say, (seems to have occurred more than a few times in the last month or so) perhaps you should run your comments by someone else to double check the meaning before you hit the comment button.

    Just my humble opinion of course.

  • Mike Reilly

    Not even close Andy, you’re a smart guy and I’m sure you know where I’m going, I’m also sure you see what I see.

    Yankees Bosox… next weekend!

  • Mike Reilly

    Steve, what can I say… I love yah man… you’ve got a big set, but so do I, I’m like an NFL line judge, I call it like I see it, right or wrong… like I see it!

    You said….”But don’t be surprised as I spot more people doing things right and giving them a reward link as well”.

    Out of all the companies that come here only 6 said we are with you Steve, $199. per file no problem (and I questioned the $199 hard), only 6! Is that not doing things right? I made the offer long before that, regarding another company going OB do you remember? I said I would take on several (5) free of charge.

    I get a google link and the problem with that is there is another Emerge America, a female political organization. Trust me this is not about the link (it’s not needed, appreciated yes, needed, no) it’s the fair and balanced dealings and probably more so the changes which are so noticeable.

    Stay with the fight, you’re good at it!

  • Andy Faria

    All this over a link? Really Mike?

  • Steve Rhode

    Harry,

    Thanks for the link and kind words on that page you created.

    Steve

  • Steve Rhode

    Mike,

    I don’t think that approach has vanished. Granted there have been some recent changes on the site, such as the addition of a small self-service advertising section. But that’s not a shift. Up until recently people could advertise by placing ads through Google, who takes a huge chunk out. By allowing people to advertise directly the site only loses 25% of the revenue. Thinking about revenue is just part of the bigger picture. The reductions in the debt relief world have impacted everyone, including ad revenue for this site.

    Work, expansion, reporting, and advancements are all fueled by advertising revenue. That’s the way it’s always been. I want this site to remain free for consumers so it can provide the maximum reach and advice for people that need it most.

    And as far as tough investigative work I think that recently my hands have been full of other issues but the work continues. But just today I published a look at business debt settlement companies that may be loopholing and including consumer debt. I’ve also been doing more in looking at credit counseling issues as well.

    But there are more changes coming to the site as well. As I write this we are finishing the DIY credit counseling section, reorganizing the forums, building the new community section with the ability for people to have detailed profiles, friends feeds, individual blogs, etc. It all takes time.

    As far as giving Debtmerica a pat on the back for their public press release and stance on attorney model DS, it’s no secret I’ve been critical of their site in the past but when someone does something right that I’ve been previously critical of I don’t want to be hesitant in giving a hat tip.

    Let me be clear, Debtmerica did not contact me in advance, did not pay me and it was solely my idea to write the story and give them the link as a kudos.

    I’m sorry you were unhappy with the story and the link. I do value your participation and comments.

    But don’t be surprised as I spot more people doing things right and giving them a reward link as well.

    Thanks for being part of this community.

    Steve

  • Mike Reilly

    Harry, I appreciate the comments and as I stated, I have no beef with you or any firm that has moved in a compliant direction since the FTC amendments, even if I did, who would listen?

    My issue (if you care to listen) is, when I first discovered this site it was all about doing right by consumers and challenging those who don’t, it seems as if things have changed a bit (business is business) albeit slightly and that things here are becoming more evidently self serving. Steve impressed me with his diligent, investigative no holds barred approach and again it seems to me that focus I became accustom to is evaporating. I hope I have this completely wrong but, it’s tough to dispel the obvious.

    Just disappointed.

  • Mike Reilly

    I will let this dead dog lie.

    Very disappointed in NY.

  • Harry Langenberg

    Thanks for recognizing our efforts at Debtmerica, Steve.

    Miron just set up a page for getoutofdebt.org on our website:
    http://debtmerica.com/articles
    Most of our management team keeps a close eye on your blog, and its been a very helpful resource for us.

    Mike, your points are very valid, and here is some follow up…

    The intention of this press release was not to gloat or seek any credit for our current or past performance. Rather, we simply want to get the message out to consumers that Companies still assessing front-end fees are very risky to work with. They are also a direct threat to performance-based Companies and our industry.

    In fairness to the Legal Models, I know there are some very legitimate and integrity-based providers out there. But the front-fee model is also still housing a lot of illegitimate providers. And as long as front-fees exist, so will consumer complaints. Its very difficult to get rid of the awful stigma that debt settlement has developed in the marketplace as long as consumers feel they are getting burned.

    Whether or not the regulators end up doing something about these “loopholes”, we are interested in teaming up with other performance-based providers to get the message out to consumers to beware of debt settlement models that assess front-end fees. Public Relations is a very powerful vehicle, and Steve’s site is a good start to getting the message out. We’ve encouraged TASC to do more on this front, and we’d like to hear more ideas and discussion on the topic.

    As for your comment about our being the “800 lb Gorilla” — we certainly would like to be, but we are far from it. Our volume is down by 75% from a couple of years ago. When I quoted that our whole team has made sacrifices, I meant it. We have unfortunately had to make a lot of layoffs in the last 6 months, and our entire staff took across-the-board pay cuts several months ago. Transitioning to the contingency model has been very challenging and stressful. While we have a lot more work to do, we are absolutely committed to it.

    I will be at the TASC Convention at the end of April and am looking forward to getting other feedback on what our stance should be as performance-based debt settlement Companies to rebuild the reputation of our industry.

    Regarding the “Life boat”, if you come across a pool of consumers that need help, certainly let us know. We are all about doing the right thing and being supportive when we can.

    Harry Langenberg
    Managing Partner, Debtmerica Relief

  • Harry Langenberg

    Thanks for recognizing our efforts at Debtmerica, Steve.

    Miron just set up a page for getoutofdebt.org on our website:
    http://debtmerica.com/articles/969-helpful-debt-settlement-industry-blog-
    Most of our management team keeps a close eye on your blog, and its been a very helpful resource for us.

    Mike, your points are very valid, and here is some follow up…

    The intention of this press release was not to gloat or seek any credit for our current or past performance. Rather, we simply want to get the message out to consumers that Companies still assessing front-end fees are very risky to work with. They are also a direct threat to performance-based Companies and our industry.

    In fairness to the Legal Models, I know there are some very legitimate and integrity-based providers out there. But the front-fee model is also still housing a lot of illegitimate providers. And as long as front-fees exist, so will consumer complaints. Its very difficult to get rid of the awful stigma that debt settlement has developed in the marketplace as long as consumers feel they are getting burned.

    Whether or not the regulators end up doing something about these “loopholes”, we are interested in teaming up with other performance-based providers to get the message out to consumers to beware of debt settlement models that assess front-end fees. Public Relations is a very powerful vehicle, and Steve’s site is a good start to getting the message out. We’ve encouraged TASC to do more on this front, and we’d like to hear more ideas and discussion on the topic.

    As for your comment about our being the “800 lb Gorilla” — we certainly would like to be, but we are far from it. Our volume is down by 75% from a couple of years ago. When I quoted that our whole team has made sacrifices, I meant it. We have unfortunately had to make a lot of layoffs in the last 6 months, and our entire staff took across-the-board pay cuts several months ago. Transitioning to the contingency model has been very challenging and stressful. While we have a lot more work to do, we are absolutely committed to it.

    I will be at the TASC Convention at the end of April and am looking forward to getting other feedback on what our stance should be as performance-based debt settlement Companies to rebuild the reputation of our industry.

    Regarding the “Life boat”, if you come across a pool of consumers that need help, certainly let us know. We are all about doing the right thing and being supportive when we can.

    Harry Langenberg
    Managing Partner, Debtmerica Relief

    • Mike Reilly

      Harry, I appreciate the comments and as I stated, I have no beef with you or any firm that has moved in a compliant direction since the FTC amendments, even if I did, who would listen?

      My issue (if you care to listen) is, when I first discovered this site it was all about doing right by consumers and challenging those who don’t, it seems as if things have changed a bit (business is business) albeit slightly and that things here are becoming more evidently self serving. Steve impressed me with his diligent, investigative no holds barred approach and again it seems to me that focus I became accustom to is evaporating. I hope I have this completely wrong but, it’s tough to dispel the obvious.

      Just disappointed.

      • http://GetOutOfDebt.org Steve Rhode

        Mike,

        I don’t think that approach has vanished. Granted there have been some recent changes on the site, such as the addition of a small self-service advertising section. But that’s not a shift. Up until recently people could advertise by placing ads through Google, who takes a huge chunk out. By allowing people to advertise directly the site only loses 25% of the revenue. Thinking about revenue is just part of the bigger picture. The reductions in the debt relief world have impacted everyone, including ad revenue for this site.

        Work, expansion, reporting, and advancements are all fueled by advertising revenue. That’s the way it’s always been. I want this site to remain free for consumers so it can provide the maximum reach and advice for people that need it most.

        And as far as tough investigative work I think that recently my hands have been full of other issues but the work continues. But just today I published a look at business debt settlement companies that may be loopholing and including consumer debt. I’ve also been doing more in looking at credit counseling issues as well.

        But there are more changes coming to the site as well. As I write this we are finishing the DIY credit counseling section, reorganizing the forums, building the new community section with the ability for people to have detailed profiles, friends feeds, individual blogs, etc. It all takes time.

        As far as giving Debtmerica a pat on the back for their public press release and stance on attorney model DS, it’s no secret I’ve been critical of their site in the past but when someone does something right that I’ve been previously critical of I don’t want to be hesitant in giving a hat tip.

        Let me be clear, Debtmerica did not contact me in advance, did not pay me and it was solely my idea to write the story and give them the link as a kudos.

        I’m sorry you were unhappy with the story and the link. I do value your participation and comments.

        But don’t be surprised as I spot more people doing things right and giving them a reward link as well.

        Thanks for being part of this community.

        Steve

      • Mike Reilly

        Steve, what can I say… I love yah man… you’ve got a big set, but so do I, I’m like an NFL line judge, I call it like I see it, right or wrong… like I see it!

        You said….”But don’t be surprised as I spot more people doing things right and giving them a reward link as well”.

        Out of all the companies that come here only 6 said we are with you Steve, $199. per file no problem (and I questioned the $199 hard), only 6! Is that not doing things right? I made the offer long before that, regarding another company going OB do you remember? I said I would take on several (5) free of charge.

        I get a google link and the problem with that is there is another Emerge America, a female political organization. Trust me this is not about the link (it’s not needed, appreciated yes, needed, no) it’s the fair and balanced dealings and probably more so the changes which are so noticeable.

        Stay with the fight, you’re good at it!

    • http://GetOutOfDebt.org Steve Rhode

      Harry,

      Thanks for the link and kind words on that page you created.

      Steve

  • Steve Rhode

    Two different things from my side. On the Life Boat thing I gave consumer links to check the companies out. For those that were AACC members and had extensive disclosure pages I linked to those pages. For non-AACC companies I linked to Google results for the companies so consumer could check them out that way.

  • Jason Taylor

    I’d have to say these guys get kudos for stricktly following the rules and I hope they are very succesful doing the right thing. I would certainly go with a company that does larger volumes than one that doesn’t and run by a smart management team because they should be more efficent than the smaller shops. If they can enroll 1000 clients a month who are the right fit, I say awsome because theres many more people than that who could truly benefit from debt settlement. Also its worth noting that their marketing follows the rules too.

  • Jason Taylor

    I’d have to say these guys get kudos for stricktly following the rules and I hope they are very succesful doing the right thing. I would certainly go with a company that does larger volumes than one that doesn’t and run by a smart management team because they should be more efficent than the smaller shops. If they can enroll 1000 clients a month who are the right fit, I say awsome because theres many more people than that who could truly benefit from debt settlement. Also its worth noting that their marketing follows the rules too.

    • Phillip

      They are a boiler room and nothing else and underwrite for Freedom.  They do not care what happens to the clients afterwards.  They do not disclose many necessary things since as taxes on settled debt and the chance of being sued.  None of these companies are reputable.  Go with a law firm; that is your only chance. 

  • Mike Reilly

    Steve knows what I’m talking about and he was the person I was addressing. I understand your interest though….things are a changing, I hope for the better but, not so sure yet!

    I hope all this work, (not my work) at the end of the day, was not just about conversion, That’s what it looks like to me. Seems like, fear, that the well is drying up before all the jugs are full. Small is not necessarly bad. Quality over quanity is the tangable asset!

  • miron

    Because your original post is suggestive of that.

    “Wow Steve, a link, why don’t you ask them to join the “life boat” at $199.00?”

    and

    “You have said many times that you can’t control the google ads, what about these? Yea, I am pissed, I asked for a direct link to make it easy for consumers in need and I and others get a google link…ahh what’s the use.”

    Could easily be misinterpreted.

  • Mike Reilly

    Sorry for the miss-spellings, I get jacked up and without the lenses I’m terrible. It’s my typing skills, I swear it….lol

  • Mike Reilly

    I’m gonna jump back in here and state for the record that I think the management team at Debtmerica is a very talented bunch and hit this thing right and did a great job of it when it comes to building a powerhouse. I take nothing away from them; in fact, I have used their firms’ successes as an example many times over the years, to several followers here, as well as the investing community.

    Debtmerica is not the issue. In my opinion and according to the site owner, changes are a coming….well, here are just a few and they are crystal clear to me..what about the rest of you and you know who I’m talking about?

    Miron, never did I say the words compensation or professional engagement, but I am VERY interested as to why you just said that?

  • miron

    I help Debtmerica with it’s digital strategy and can confirm that Steve didn’t get any compensation for his link, nor did Debtmerica request a link, nor do they have any professional engagement whatsoever – but thanks Steve.

  • Mike Reilly

    Wow Steve, a link, why don’t you ask them to join the “life boat” at $199.00? those guys are the 800lb gorilla they should be able to save loads of consumers. Come on ask’em. Check out their press at the bottom of their site back in the day 1000+ enrollments per month, front loaded fees, now their the good guys? did they step up and work with the regulators, show transparency, fight for the right? Or is this just a good back link?

    This may come off as I’m pissed but I’m not…it’s business, I get that…the tell tail sign for me was the recent advertiser in Brooklyn “uncle sam” check out their state list, in fact let’s play “Do they comply” !! Sure we do business in every state except W. Virgina….”Debt Free” on the home page?

    You have said many times that you can’t control the google ads, what about these? Yea, I am pissed, I asked for a direct link to make it easy for consumers in need and I and others get a google link…ahh what’s the use.

  • Mike Reilly

    Wow Steve, a link, why don’t you ask them to join the “life boat” at $199.00? those guys are the 800lb gorilla they should be able to save loads of consumers. Come on ask’em. Check out their press at the bottom of their site back in the day 1000+ enrollments per month, front loaded fees, now their the good guys? did they step up and work with the regulators, show transparency, fight for the right? Or is this just a good back link?

    This may come off as I’m pissed but I’m not…it’s business, I get that…the tell tail sign for me was the recent advertiser in Brooklyn “uncle sam” check out their state list, in fact let’s play “Do they comply” !! Sure we do business in every state except W. Virgina….”Debt Free” on the home page?

    You have said many times that you can’t control the google ads, what about these? Yea, I am pissed, I asked for a direct link to make it easy for consumers in need and I and others get a google link…ahh what’s the use.

    • miron

      I help Debtmerica with it’s digital strategy and can confirm that Steve didn’t get any compensation for his link, nor did Debtmerica request a link, nor do they have any professional engagement whatsoever – but thanks Steve.

      • Mike Reilly

        I’m gonna jump back in here and state for the record that I think the management team at Debtmerica is a very talented bunch and hit this thing right and did a great job of it when it comes to building a powerhouse. I take nothing away from them; in fact, I have used their firms’ successes as an example many times over the years, to several followers here, as well as the investing community.

        Debtmerica is not the issue. In my opinion and according to the site owner, changes are a coming….well, here are just a few and they are crystal clear to me..what about the rest of you and you know who I’m talking about?

        Miron, never did I say the words compensation or professional engagement, but I am VERY interested as to why you just said that?

      • miron

        Because your original post is suggestive of that.

        “Wow Steve, a link, why don’t you ask them to join the “life boat” at $199.00?”

        and

        “You have said many times that you can’t control the google ads, what about these? Yea, I am pissed, I asked for a direct link to make it easy for consumers in need and I and others get a google link…ahh what’s the use.”

        Could easily be misinterpreted.

      • Mike Reilly

        Steve knows what I’m talking about and he was the person I was addressing. I understand your interest though….things are a changing, I hope for the better but, not so sure yet!

        I hope all this work, (not my work) at the end of the day, was not just about conversion, That’s what it looks like to me. Seems like, fear, that the well is drying up before all the jugs are full. Small is not necessarly bad. Quality over quanity is the tangable asset!

    • Mike Reilly

      Sorry for the miss-spellings, I get jacked up and without the lenses I’m terrible. It’s my typing skills, I swear it….lol

    • http://GetOutOfDebt.org Steve Rhode

      Two different things from my side. On the Life Boat thing I gave consumer links to check the companies out. For those that were AACC members and had extensive disclosure pages I linked to those pages. For non-AACC companies I linked to Google results for the companies so consumer could check them out that way.

      • Mike Reilly

        I will let this dead dog lie.

        Very disappointed in NY.

      • http://northeast-properties.com Andy Faria

        All this over a link? Really Mike?

      • Mike Reilly

        Not even close Andy, you’re a smart guy and I’m sure you know where I’m going, I’m also sure you see what I see.

        Yankees Bosox… next weekend!

      • http://DamonDay.com Damon Day

        Actually the whole thing is pretty confusing. It seems you are complaining because Steve linked to Debtmerica and didn’t do the same thing for you.

        Not trying to jump in on this, just giving you the perspective of most anybody else that would read this Mike.

        If you find that your writings seem to consistently not portray what you really want to say, (seems to have occurred more than a few times in the last month or so) perhaps you should run your comments by someone else to double check the meaning before you hit the comment button.

        Just my humble opinion of course.

      • Mike Reilly

        Well Damon you did jump in and it’s about time, Now you’re the voice of the people too?

        Damon you’re a smart guy too, get with the program….oh..thats right you are with the program

        I wonder, if LHDR wanted one of the ad spots here would they run into resistance or, is a G a G

      • Mike Reilly

        You know what, the tough questions never get answered on this site. They all get glazed over, and that’s just a general comment for some to chew on.

      • http://DamonDay.com Damon Day

        Can I buy a vowel, or just maybe get a Reilly decoder?

      • Mike Reilly

        Damon I realize you have not been involved is this thread from the start or potentially the thread I refer to. My comments are directed to Steve who knows exactly what I’m talking about. However, since you are so curious about some or all of my thoughts here, let me ask you for your professional opinion on a subject dear to your heart.

        Do a little research on the “Uncle Sam” advertiser to the right of this site and when complete, tell me what you think. Then match it to the theme of this site and again, tell me what you think. When and if you complete this mission, the subject of this thread (the heart of the matter) will become very clear.

        Fair enough?

      • http://DamonDay.com Damon Day

        Mike, honestly I don’t care where the ad goes to. Almost every Ad for debt settlement is a total rip off. That isn’t anything new.

        Here is my take, these loop holers, front loaded fee guys, scammers, whatever, are going to run ads. Whether they show up on Steve’s site or someone else’s, they are going to be out all over the place. They always have been.

        So follow my logic. If someone was going to be running a front loaded fee BS program, isn’t it better that the consumer came from Steve’s site? So at least there is a chance that if they spent any time on Steve’s site before they clicked an ad, they would recognize the BS sales pitch and say no thanks.

        Isn’t that better than a consumer finding that program from some web spam affiliate BS article writer who is going to tell consumers it is great?

        Now, that is just my take, if you don’t agree, that is fine. You can do whatever you want to do on your site.

      • Mike Reilly

        is a G a G means $ $1000 for the ad….. if thats what need decoding

        Meaning I dont care who runs an ad, a $1000 is a $1000

      • http://northeast-properties.com Andy Faria

        Oh ok, I see where you’re going with that now. I never noticed the uncle sam ad before. I was having some trouble cracking the code too. So is that how much it costs? a thousand bucks? I say, good for you Steve, get all you can and keep up the good work.

        I wish that you and Damon would kiss and make up or something, you’re always fighting over the dumbest shit. We all know you both do good stuff, you both just need to stop trying to measure each others johnson. It’s pointless.

        “can I buy a vowel”, now i think we can all admit, that was funny.

      • http://northeast-properties.com Andy Faria

        .. and yes Mike, with opening day brings that great divide between myself and any Yankees fan. Unfortunately, I will have to disagree with anything you say until at least September. :)

      • http://DamonDay.com Damon Day

        Then what would I do for fun?

      • Mike Reilly

        You guys are cool and so is Steve, the issue is not the money, I hope Steve rakes it in but when I read other posts where he has been challenged regarding the Google ads and his response is I don’t/can’t control them…well we all know he can control these. That’s it.

        What about the “Lets Play, Do They Comply” if you’re and advertiser on this site, what, you won’t be a contestant? That seems a little funky, no? At a minimum lose the other “Advertise Here” block and put a link in place in a less conspicuous area, advertisers will find it. Looking at this from a consumer’s perspective aside from the Google ads this ad could easily be mistaken as an endorsement.

        Yanks with a 2-0 start, it’s early I get it, but you gotta love it!

        Damon, who’s your home team ball club? You’re on the west coast no?

      • http://GetOutOfDebt.org Steve Rhode

        Actually….I’ve been very clear about the nightmare that would be policing Google ads. On the BuySell blocks I actually have them setup on auto-approve so I don’t have to fuss with that either.

        The link is actually in a less noticeable spot, right under the 125 buttons. Not sure if it is so not noticeable that you didn’t see it. The advertise here block is simply how the BuySell program holds an ad space open.

        And by the way, you made a statement that I get a grand for an ad but don’t forget the ad representative, BuySell gets 25% of that.

        I’m now curious, if you don’t like the advertisers on the site, what advertisers do you suggest that can help to fund the work this site does? You appear to be critical of the advertisers but not willing to step up and help support the site by buying an ad yourself. What gives?

      • Mike Reilly

        You pose a couple of good question Steve, well the AACC for one; they would be a good fit or any of the members individually. Maybe a call out to some of the educators or associations; NFCC, IAPDA, Mstars, USOBA, TASC..etc. I realize the site is geared toward consumers but all these guys have consumer based messages and a clear interest with industry participants.

        The DIY guys and coaches should be all over this! As far as Emerge America goes, we do not buy internet advertising of any kind today, plus, you’re too rich for my blood. Believe me I certainly discussed it with Steve, (my partner) we have other initiatives underway that require any excess capital we have in our ad coffers.

        Here’s another thought, look to some of the “work at home sites”, I think there’s one called work at home mom. Anyway think about those looking for advice here, most if not all could probably use some form of extra income, do you know how many work at home programs would probably love to advertise here if they knew the site existed? I’ll bet many!

        Another thing I just heard about is there are companies out there lending on clean title vehicles; cars, motor homes, boats etc. I hear it’s based on a deep discount to Kelly Blue Book and a higher interest rate but something worth looking at. How about discount insurance, aflac..the list could be endless, think about the financial analysis of a candidate and how you would help them trim their budget.

        I think services providers and extra income.

      • http://GetOutOfDebt.org Steve Rhode

        Good suggestions but I simply don’t have free time to go sell ads. That’s why I rely on Google and now trying BuySellsAds.

        The whole point of an automated ad revenue program is that it runs itself and allows me to focus on all the other stuff that occupies my time with the site.

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