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What Do You Think of Everest Debt Solutions? – Margo

Margo

“Dear Steve,

I enrolled in debt settlement program with Allegro last February. I am aware of the troubles with Allegro, and the change to a receivership. I tried contacting Allegro and the receivership to find out what was going on with my account, if any crediors had been paid, and get some answers to my questions and could not get through. I recently received notice from two of my creditors that I was being sued-which indicates to me that they did not accept any settlement agreement with Allegro. I stopped my last autodraft payment to Allegro and sent a letter to their NY address cancelling my contract.

Do you know of a reputable debt settlement company? Do you know anything about Everest Debt Solutions? Bankruptcy is not an option for me since I have already filed and it was only 6 1/2 years ago. I was told that in WI you can not file again before 8 years is up. I am really worried and need to find a reputable debt settlement company fast.

Margo”

Don’t miss our free Get Out of Debt – “How To” Guide Series on a number of topics, for loads of practical advice, tips, and help to beat back debt. – Click Here

The Answer

 

Dear Margo,

I’m not sure who told you that you can’t go bankrupt again, but they were wrong. You could do a Chapter 13 bankruptcy and that would stop all lawsuits, give you legal protection from your creditors and allow you to only repay part of your debt without any tax liability.

It is time to put these debt settlement dreams aside and pursue a real solution that will eliminate this problem debt in one fell swoop. The only option to that will be bankruptcy.

As far as Everest Debt Solutions goes, I had not heard of them before. I spent a bit of time on the site and have reservations about the completeness of the information presented there. For example, “Debt settlement is by far the fastest way to eliminate your debt …” That is simply not true. Most debt settlement clients will take years to eliminate debt using the monthly payment debt settlement approach and that’s if they even eliminate all their debt. Most don’t.

Enrolling in a debt settlement program does not stop legal action or lawsuits and Everest mentions that on their site. “In addition to your credit being affected another potential debt settlement consequence is the risk of possible legal action from the creditors to collect on debts that you are trying to settle.”

This statement stumped me, “Work With Everest Debt Solutions and Debt Creditors Will Negotiate!” The statement seems to imply that all creditors will work with Everest Debt Solutions but that is not true. Also, I have no idea what a “debt creditor” is.

My favorite line on their site is in the footer where they say this about their website “THIS IS AN ADVERTISEMENT FOR OUR DEBT SETTLEMENT PROGRAM.” Of course it is.

I find any debt settlement company to be suspect when they don’t list their business address on their website.

What Do You Think of Everest Debt Solutions?   Margo

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.

Big Hug!

What Do You Think of Everest Debt Solutions?   Margo
Get Out of Debt Guy – Twitter, G+, Facebook

P.S. Be sure to read ‘The Secret of Surviving Through Difficult Economic Times. What I Learned On My Journey‘.

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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.
  • http://GetOutOfDebt.org Steve Rhode

    Very interesting new development. Everest Debt Solutions, FDN Solutions, and Tim Daniels Settle With FTC. See http://getoutofdebt.org/43755/everest-debt-solutions-fdn-solutions-and-tim-daniels-settle-with-ftc

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  • Alicia

    I just looked up Everest Debt Solutions on bbb.com, and it says they are not BBB accredited…..so, they are LYING!!!!!!!!

  • Alicia

    I just looked up Everest Debt Solutions on bbb.com, and it says they are not BBB accredited…..so, they are LYING!!!!!!!!

  • Observer

    Other snap shots of your sites say you help over 30,000 and here you say over 19,000.
    This is confusing. Are the other 11,000 not Americans?
    Were you lying then, or are you lying now?

  • Legal Compliance

    Everest Debt Solutions has provided services to over 19,000 Americans. 14 Complaints Is An Achievement.

    Sincerely,

    EDS Compliance
    1-800-258-4131

  • Gloria Jenkins

    I also enrolled with Everest Debt Solutions at the end of 2009 and it sounded like a pretty good program. They sent their packet of instructions on how to deal with the creditors that we had turned over to them and a sample letter to send to each one so that they could deal with them directly. We did. They say they will talk to the creditors and most likely they will settle for a much lesser amount than owed. Our first 2 payments of almost $500 they kept as our enrollment fee to the program and their portion or THEIR fees are half of every payment thereafter. Their advertisement on their website states in big letters; NO UPFRONT FEES – NO FEES UNTIL YOU SAVE!!!!! What the heck does that really mean?? Subsequently we had some other unexpected financial issues and couldn’t make our payments consistently so I called them and asked them if they had paid anything off yet and they actually said we owed them money because of their monthly share they had to take from our balance. Sounds like a company that REALLY wants to help us save……. What they don’t tell you is that you can actually call your creditors and negotiate a settlement yourself which is what we did without Everests help. Thanks for stealing OUR money. Gloria from Indiana
    E

  • Gloria Jenkins

    I also enrolled with Everest Debt Solutions at the end of 2009 and it sounded like a pretty good program. They sent their packet of instructions on how to deal with the creditors that we had turned over to them and a sample letter to send to each one so that they could deal with them directly. We did. They say they will talk to the creditors and most likely they will settle for a much lesser amount than owed. Our first 2 payments of almost $500 they kept as our enrollment fee to the program and their portion or THEIR fees are half of every payment thereafter. Their advertisement on their website states in big letters; NO UPFRONT FEES – NO FEES UNTIL YOU SAVE!!!!! What the heck does that really mean?? Subsequently we had some other unexpected financial issues and couldn’t make our payments consistently so I called them and asked them if they had paid anything off yet and they actually said we owed them money because of their monthly share they had to take from our balance. Sounds like a company that REALLY wants to help us save……. What they don’t tell you is that you can actually call your creditors and negotiate a settlement yourself which is what we did without Everests help. Thanks for stealing OUR money. Gloria from Indiana
    E

  • Jody

    I have a name and address for Everest. I have a card with it. Don’t know if it’s the right address, but it’s an address.

  • Jody

    The refund process is non-existent. I have tried to get a refund from the money taking company EDS and have not gotten anywhere. Just the run-around.

  • Diane

    Yes, the one from Brad is on their website. I also have an email here from a Linda at Everest Debt Solutions who is Senior Debt Consultant. Funny!

  • Diane

    Steve, thought you received new testimonials daily? This is one from your website. Verbatim

  • Diane

    Linda, are you the Linda that works at Everest Debt Solutions? I have an email from a Linda Stell_ _ _ _ at Everest! Something sounds a little fishy here.

  • Diane

    Mr. Sanders,

    You now have 14 complaints on the BBB site.

  • Diane

    Everest now has an F with over 14 complaints listed!

  • http://Website Nona

    Steve, thank you for all your help to myself and many others. Tim Daniels @ EDS: I have worked in health care for 30 years. You display many symptoms of paranoid schizophrenia. The mind is a terrible thing to waste. I do feel somewhat sorry for you, as its quite obvious that your mind is not well. Whether this condition is natural ot drug-induced, you really should seek professional help. You hear things and read things that aren’t said and written and you dream up names and incidents that don’t exist. I work two jobs now, therefore I do not have time to work for Steve. He helped me with his advice last year and I have been a fan of his ever since; not that I need to defend myself to you. How would you be able to take legal action against Steve when you are so mentally ill that you don’t even know your own name? Legal documents must have a legal name on them. No judge would let this case through the courts. But if the judge were smart, he’d call the guys in the white coats to come haul you to a place with padded walls!

  • http://everestdebtsolutions.com EDS

    To address why we offer our client the ability to file a complaint through our website directly with the FTC is because we have never received a complaint regarding our services.

    Companies willing to offer the solution to filing complaints have done everthing in their power to ensure that these complaints do not happen.

    Sincerely,

    EDS Management

  • http://everestdebtsolutions.com EDS Management

    Nona-

    We have responded to your comment. We have been informed of what role you serve with Mr Rhode.

    NOTICE TO THE PUBLIC;

    NONA A.K.A. Darcy Smith (Not Confirmed) has been hired and receives monetary compensation from posting on this website. Please be aware that the comments posted have earned this person money and they refuse to identify themselves to the public.

    Sincerely,

    EDS Management

    • http://GetOutOfDebt.org Steve Rhode

      Dear EDS Management,

      You accusations are lunacy. They are not true. I have never paid any person to comment on this web site.

      What just leaves me totally stunned is that you accuse a consumer poster of not identifying themselves to the public and yet “EDS Management” poster refuses when asked repeatedly to identify themselves. Talk about the pot calling the kettle black.

      Your lies, falsehoods, and impersonations have way overstepped the boundaries of common sense and decency with this false accusation about a commenter known as Nona. I have setup all future posts from you to not be seen by me and to be immediately deleted. You have grossly worn out your welcome here with this attack on Nona.

      Steve

  • http://Website Nona

    Steve, I’ve wondered what you have been waiting for as far as contacting your lawyer for slander and liable against EDS! You are being too lenient with them! Also, I absolutely love the way you address the anonymous “EDS Management”! That and your reply to my comment last week make me LMAO!!! Keep up the good work, Steve!

  • http://everestdebtsolutions.com EDS Management

    For the record should any of our clients feel the need to go to a lead generation website to file a bogus complaint about us they are entitled to a full refund. As well we would like to inform the community that this supposed “Darrell” has not come forward.

    If you are a client of EDS you have been told and agreed to filing complaints with the FTC regarding our business practices. You can accomplish this task by using you customer account online with us and seeking the complaint section.

    We would also like to inform the public that this website is not what it appears. Mr Rhode is using this site to generate leads for the CCC industry. He has been president and a director of a credit card counseling firm.

    We have also supplied Mr Rhode with data and information however he chooses to delete these posts and only keep the negative ones about EDS on his website.

    If you are a client of EDS you have undergone and understand the product assurance survey’s and you have been informed by Client Care that our staff is working diligently to complete necessary settlements while our Legal team is working long hours to combat unscrupulous con artists like Steve Rhode and other derogatory members of society.

    We feel great remorse for Mr Rhode and his inability to run an honest and ethical business.

    Sincerely,

    EDS Management
    800-258-4131

    • http://GetOutOfDebt.org Steve Rhode

      Dear Yet Still Anonymous and Becoming Incredibly Bizarre EDS Management,

      I have to admit I’m in a bit of a Catch-22 situation about your responses. On one hand I always encourage both sides of an issue to have an opportunity to speak so I publish 99.99% of the comments received, including yours. But on the other hand your comments are not adding any new information or value to the conversation.

      From a PR point of view your non-sensical comments only serve to hurt yourself, which puzzles me beyond belief. You hide behind the anonymous monicker of “EDS Management” and make unsupported allegations and yet attempt to somehow smear me, but for what?

      You say, “We have also supplied Mr Rhode with data and information however he chooses to delete these posts and only keep the negative ones about EDS on his website.” What? What specific “data and information” are you accusing me of deleting?

      And if your legal team is working “long hours” which is another bizarre statement to make, you really should interrupt them and talk to them about the face value libel of making statements like “to combat unscrupulous con artists like Steve Rhode and other derogatory members of society. We feel great remorse for Mr Rhode and his inability to run an honest and ethical business.” That’s a slam dunk for me. Do you really want to invite a lawsuit with statements like that which would result in a intense discovery phase and revel everything about your organization and identity? Really? Seriously?

      If you feel great remorse then why not just answer the questions raised in the original article and disclose your identity to be as open and honest with readers? Why not just do that instead of all the misdirection and rage?

      Let me address the lead thing one more time for you, it might help your lawyers get some sleep and weekends off. Here is how this site works, I answer questions and provide help for people for free. The site is self-supporting by the ads that run on the site. I don’t control who appears, Google does all that. The number of “leads” as you call them where someone might fill out a form and ask for credit counseling as in your example, is small, very small. In fact, the overwhelming amount of advice I give is for people to file bankruptcy instead of going into a credit counseling or debt settlement program. Logically, if I was trying to generate leads for those types of services why would I tell people to consider other ways to address their issues?

      Everyone can read the site terms, including you, and clearly and plainly read about advertisements.

      Then you wrote:

      “If you are a client of EDS you have been told and agreed to filing complaints with the FTC regarding our business practices. You can accomplish this task by using you customer account online with us and seeking the complaint section.”

      The way I, and I’m sure other readers will interpret your statement is that your clients can login to their online account with you and accomplish the task of filing an FTC complaint about you though the “complaint section.” So who is telling your clients to file complaints with the FTC? Is that a big enough problem for you that you had to create a special section for people to do that?

      Say, anonymous EDS Management person, you wouldn’t happen to be Tim Daniels at FDN/Everest would you? The reason I ask is because Tim Daniels talks online about starting Everest and his role in operations for Everest Debt Solutions. He says he is also VP of American Premier Servicing and Touch Up Guys Marketing Group that was “was created as a portal for lead gen services to be provided to other debt relief companies.” And he states that “Marketing exploded from 2 active monthly clients to a high point of 9 active clients.” So it actually seems you are much more the lead generating behemoth especially since “Managing a monthly online ad delivery budget of over $300,000 allowed for metrics to be discovered and used to help drive the success of our clients to the top of their fields. Most of our clients have enjoyed a host of double digit returns as well as marketing costs below the industry average.” – Source. And you are busting my chops over a small number of people that might want some specific help from my site?

      Steve

      • http://everestdebtsolutions.com EDS Management

        Mr Rhode-

        Please keep this a 2 way street. You cannot selectively delete what information you do not want on your website about companies that provide legitimate services to consumers.

        We as well provide over 300 FREE consultation daily. Just as you do to your readers and question askers. We however do not spend time posting bogus comments about our competitors online. This website is nothing more than a place for you to control what is being said about what industry. Post the comments you deleted about EDS to prove us wrong.

        Please also remove any information regarding our Employees or Officers from your website and other information not related to the question asked from inception.

        Please also provide a mailing address so that we can send you this request in writing.

        Dear Mr. Rhodes-

        At this time we have become aware that you have posted information regarding our Employees and Officers on your website. Please remove any information pertaining to our Employees from your website for thier privacy and safety.

        We will ask that this be done and completed by April 1st 2010 effectively giving you 72 hours to remove this information.

        Failure to so so will result in legal consequences and monetary penalties. We will also pursue all costs to solve this matter from you directly.

        Sincerely,

        EDS Management
        800-258-4131

        To address the commments below from NONA we encourage a fair representation of our policies and procedures to the general public. We have also fought a similar battle with the BBB. To date until an agreement has been reached and the BBB is not allowed to publish a report on FDN/EDS. Please work with us and check the BBB to confirm. We are asking not to fight this battle with you but rather to work with us to educate and inform the general public.

        Best,

        EDS Management
        800-258-4131

      • http://GetOutOfDebt.org Steve Rhode

        Dear EDS Management Person,

        Unless you tell me who you are, I’m calling you Tim Daniels from now on.

        You say, “Please keep this a 2 way street.” What does that even mean?

        You say, “We however do not spend time posting bogus comments about our competitors online.” It’s you that keeps coming to this site and posting stuff and starting the conversation all over again. If you want it to die why do you keep doing that?

        So let me get this straight, Tim Daniels from Everest publishes information about his operations and activities at Everest, including starting FDN Solutions to “build the Everest Debt Solutions brand name”, and he publishes that information on a highly trafficked and public site, Linkedin.com and you want me to delete his name from my site? What kind of logic are you using? You are threatening me to remove public information that Tim Daniels himself published online specifically for others to see regarding his business experience and relationships with other companies including Everest Debt Solutions?

        You keep saying I deleted some “alleged” comment by you. I asked for specifics and you have not offered any.

        Is the poster from EDS making these comments Tim Daniels “Operations at Everest Debt Solutions” or not? If not, who are you?

        And for the record, I have never paid any poster to post any message.

        Steve

  • http://Website Nona

    I can’t help but wonder if there really is a “Darrell” that got scammed by EDS; did EDS fabricate this “incident” to try to make themselves look good, especially after making EDS look soooooo bad for soooooo long?! Now it’s almost April 1 and we still don’t know who “EDS Management” is!!

    • http://GetOutOfDebt.org Steve Rhode

      Nona,

      I don’t know if Darrell exists or not but “EDS Management” helped everyone to understand that GetOutOfDebt.org is the place to go and complain about Everest Debt Solutions because when you do EDS will offer you a full and complete refund in minutes if you mention this site. Thanks EDS. Lesson learned.

      Steve

  • http://everestdebtsolutions.com EDS Management

    Hi Darrel,

    Please contact our customer service phone number today for a full refund if you feel the program is not working for you. Please also reference this article and website when you call.

    We have alerted client services that we are waiting on your call for a full refund no questions asked.

    Thank you,

    EDS Management

  • http://Website Darrell

    This place is a scam, I signed up and stayed in it for 5 months and they did pretty well, they got 1100.00 from me and did absolutly nothing for me. I will have to file bankruptsy anyway.

    • http://GetOutOfDebt.org Steve Rhode

      Darrell,

      I see Everest just posted a comment offering for you to get a full refund. That’s good news. I’m curious, had you not asked for one before?

      Let us all know how the refund process goes and when you get all the money you’ve paid back.

      Steve

      • Rhonda

        I have been with EDS for over a year, and I am in worse shape than before, they have not taken care of 1 of my credit cards, and 1 of the credit cards have went as far as garnishing my husband’s check, weekly, they said if I fax them over a slip, stated why I want to quit them, they will give me back some of my money, but will keep all of the monthly fees because they made phone calls, and I had to go to court for 1 of my accounts, very embarrassing, and all this company has done for me & my family has made the situation worse. I have never felt so depress in my life, I have had alot of phone calls with EDS letting them know, that my husbands check can not be garnish, I could not take that, and yet when I called them yesterday to talk with them about the garnishment and that I could not afford this to happen weekly out of my husbands check, the guy told me, maybe I can’t afford them now, that if i wanted drop them, I have to call them and send them a letter to them, so i called today and talk with a woman name Amy and she said I had to send a letter or fax stating why I was dropping out of EDS and yesterday they got a payment from me, and I ask her if they were taking out there monthly fee and she said it was already done, and I would not be getting back all of my money because they had taken out the monthly fees, for what I said, she said because they had made phone calls on my behave to my credit card accounts. I had heard on the radio the other day that the credit card companys had receive over a billion dollars to help out the people in credit card debit, where is the help. I am sinking fast and really don’t know where to go to for help or who to trust. Very depress I don’t know where to go from here, I thought I was helping my family by joining the Everest Debit Solution, instead I have hurt them more, especially my husband.

      • Jody

        The refund process is non-existent. I have tried to get a refund from the money taking company EDS and have not gotten anywhere. Just the run-around.

  • Nona

    Wouldn’t it be nice if EDS would identify their name, address, etc like CCC and Steve Rhode both do and in such a polite and professional manner?! CCC and Steve have no problem answering questions, either. Hey…maybe EDS could take lessons…

    • Jody

      I have a name and address for Everest. I have a card with it. Don’t know if it’s the right address, but it’s an address.

  • http://www.everestdebtsolutions.com Response To Cambridge

    Mr Fox,

    While we appreciate your response we cannot condone behavior that is slanderous towards our company or any individual working in our office.

    Mr Rhode may have come to your office and seen your operation he has not been to our office and there fore can only make up his assumptions regarding Everest Debt Solutions.

    We will be contacting you directly via telephone to discuss this business matter as Steve Rhode refuses to do.

    Mr Fox – I see that Cambridge Credit Counseling has been the target of many complaints online and with attorney generals in several states. The BBB as the public knows works with Credit Counseling agencies to promote them above debt settlement firms.

    Question of the night is how does a company that had hundreds of people file complaints to cause a class action lawsuit and then have only 2 BBB complaints?

    The connection is that the BBB works to promote CCCS.

    Say Mr Fox how many customers does Cambridge have?

    EDS has thousands and 4 BBB Complaints and a D- score.

    Looks like the deck is rigged against Debt Settlement Companies.

    Talk to you soon,

    EDS Management

    • http://www.cambridgecredit.org Thomas Fox

      EDS, that is a fair question. In 2004, Cambridge’s newly elected President and CEO, Christopher Viale, began to appreciate the scope and consequences of the agency’s prior mismanagement and noncompliant activities. Recognizing that nearly every aspect of the organization required immediate change, Mr. Viale helped assemble a new and independent Board of Directors. Once established, the new Board set about distancing the company from its past practices, restructuring the agency’s management and refocusing its operational approach. One of the first actions the new Board took was the approval and implementation of a new business model, predicated on full compliance with state credit counseling and debt management laws and based on policies designed to ensure the fulfillment of the organization’s educational mandate.

      As the Cambridge transformation continued, several additional state regulators entered into negotiations with the company, often taking note of the organization’s ongoing efforts to remake itself while servicing its clients without disruption. To ensure that the company maintained compliance with the terms and spirit of its growing list of consent agreements, Cambridge agreed to host two regulator-approved monitors on its Board and in its offices. On July 10, 2007, the date on which Cambridge entered into a consent agreement with the State of Illinois, the last of the states that had formerly considered action against the agency as a result of the Puccios’ activities, the organization had finally put its past to rest.

      Today, Cambridge is licensed or exempt from licensure in 45 states. Our fees are capped at $75 initial and $50 monthly, and are compliant with the fee limits in all states where we do business. At present, our average initial fee is just $46 and our average monthly fee is just $25. Approximately 7% of our clients pay no fees whatsoever, and a significant number receive more modest reductions. As you might expect, our client satisfaction statistics have improved dramatically under the new business model; random surveys indicate a 98% satisfaction level, and we have had only two formal complaints in the last 36 months. In the meantime, our BBB rating has also risen significantly, and we have received approval from the U.S. Department of Housing and Urban Development to provide housing counseling services. In the community, our Education Department provides financial literacy instruction to a wide variety of local social service agencies, including our local chapter of Habitat for Humanity, the Job Corps, several VA facilities for homeless veterans, and a number of family shelters.

      Unfortunately, many of the complaints posted around the internet are a result of the organization’s previous management. For instance, Consumeraffairs.com has posted complaints levied against Cambridge; however, these represent individuals who used our service prior to the implementation of our new business model. We responded with the following statement (see link below). As you can see, we are happy to engage in productive dialogue as to the new direction of Cambridge. With that in mind, Christopher Viale would be happy to answer any additional questions you may have. You may reach him at 413-627-6946.

      http://www.consumeraffairs.com/debt_counsel/cambridge_responds.html

      Thomas J. Fox ACC, CEPF
      Community Outreach Director
      Cambridge Credit Counseling Corp.
      67 Hunt Street • Agawam • MA • 01001
      Direct: 413-241-2362

  • http://www.cambridgecredit.org Thomas Fox

    Hello. We have seen some of the comments posted on this thread and are compelled to address a number of inaccuracies. First, we have never “refused” to acknowledge that Cambridge works with Mr. Rhode. This statement is misleading as we have never been queried about the relationship; therefore, no “refusal” was ever offered. Over the summer, Steve was kind enough to visit our office while conducting research for a story he was producing for NPR. Our personnel had the opportunity to collaborate on an educational series entry that focused on the impact personal finance curriculum has on incarcerated individuals. Several months later, Steve contacted us to gauge our interest in assisting visitors to his site. Initially, Mr. Rhode declined compensation; however, we felt it was important to help Steve with his mission to assist people experiencing financial problems.

    As you are aware, Steve runs the site free of charge and his efforts to provide individuals with accurate advice is time-consuming. Both Cambridge and Steve share a passion to educate the public, and we felt it was indeed the public who would benefit most by our minor financial support of his efforts. It is testament to the type of person Steve Rhode is that he donates the financial compensation from Cambridge to help support Kiva and/or DonorsChoose to help teachers offer financial education programs. Simply put, there are no schemes or underhandedness, just a collaborative effort to assist consumers the best we can.

    Furthermore, Cambridge has not engaged in any type of conversation, slanderous or otherwise, with the debt settlement company mentioned in this thread. Therefore, we are unsure of what result could be gained by filing a Butter Business Bureau inquiry. In fact, Cambridge supports the concept of debt settlement, particularly if performed by a reputable agency, but it is not a service that is appropriate under every circumstance and it is not without serious consequences. It is our duty to inform consumers who contact us of these facts and let them make their own decisions about which option is best for them. We would hope the debt settlement company mentioned in this thread rethinks its strategy of levying baseless accusations.

    Last, I have searched our database for “Marissa, Glendora” and have no record of this individual as a client. We take client satisfaction quite seriously. Currently, Cambridge maintains a B+ rating with the BBB and has resolved the one complaint against the organization in the last 36 months (Link below to BBB report.) I encourage the individual to reach me directly at 413-241-2362. Perhaps the name in Steve’s blog does not represent the name in our client tracking system.

    Thomas J. Fox ACC, CEPF
    Community Outreach Director
    Cambridge Credit Counseling Corp.
    67 Hunt Street • Agawam • MA • 01001
    Direct: 413-241-2362

  • Chris Livingston

    To the Everest knuckleheads:

    Methinks you ladies doth protest too much–waaaay too much. Any suit against Steve Rhode (notice it’s one Rhode, not Rhodes; maybe you weren’t a Rhodes scholar) for defamation will not work until you can show what part is false. You’re bluffing and you know it.

    If you find a lawyer greedy enough to take a case against Steve in return for a big fat retainer, I’ll be waiting for you. I just betcha I can show that the money came from wire fraud and mail fraud, and your greedy lawyer might get sued for racketeering, as will you, since money laundering is a RICO and (since Steve is in this state too) NCRICO predicate offense. That is NOT a bluff. Look elsewhere on this site to see what I mean.

    Oh, you want to sue ME for defamation now? It’s been tried. As they found out the hard way, I can defend myself in any court, federal or state, anywhere in the country without paying anybody. You’ll drop $100,000 or more and still lose. But until you give up, I’ll get to do all kinds of discovery on you, and find out everything I want to know, starting with your secret identities. Save your money; you’ll need it to repay your victims before long.

    So you claim to be a Florida lawyer, General Colonel Sanders? You’re not. But I am. Again, don’t find out the hard way.

    With any debt settlement or management outfit, first follow one rule–never pay up front–and you’ll immediately weed out most of the scams. How does that grab you, Everest?

    • http://www.everestdebtsolutions.com Chris Livingston

      I was quick to blame the Everest Management here and I want to retract my statements. As I mentioned I had not done any research and I want to apologize for making statements that do not lack merit.

      I am an attorney and I apologize to the public.

      Thank you,

      Chris Livingston

      • http://GetOutOfDebt.org Steve Rhode

        Ever wanted to know who impersonates an attorney? Apparently Everest Debt Solutions does.

        The above comment did not come from Chris Livingston. It was posted from the same ip address that posted the comment from ‘Response to Cambridge’ labeling themselves as EDS Management.

        The real Chris Livingston thinks Everest is as crazy as they come for stealing his identity.

        Steve

      • http://www.everestdebtsolutions.com CoolGuyFromBuffalo

        SOunds like the “fake” chris livingston is Donald Doane from Everest Debt Solutions.

  • Nona

    Yupper! Go figure, more EDS crap. Maybe EDS won’t identify as are affiliated with Allegro Law Firm, one of the worst for scandulous debt settlement thieves….ARE YOU ALLEGRO??? This is getting old…..but still juicy…

  • http://www.everestdebtsolutions.com Lead Scam

    Steve,

    After a recent search through Google it appears that your company MyVesta used to be Debt Counselors of America.

    A company that offers free information and fee based debt relief programs. So

    http://www.consumer-action.org/links/articles/myvestaorg

    So what exactly is the relationship with MyVesta and Cambridge. Is this a lead generation scheme with several non-profit entities hiding their marketing expenses through different marketing strategies.

    • http://GetOutOfDebt.org Steve Rhode

      Dear still anonymous and annoying EDS Management person,

      I mentioned before you keep getting your facts wrong. I think you believe that my affiliation with Myvesta and Debt Counselors of America is or was some secret. It’s not. I talked about what I learned from my Myvesta and Debt Counselor of America days on this site.

      So why is it you keep peppering me with questions, insults, fake emails, etc but you refuse to answer my two simple questions.

      1. What did I get factually wrong in my review of your site?
      2. You continue to make anonymous accusations but never identify yourself. Who are you?

      Steve

  • http://www.everestdebtsolutions.com Consumer Protection

    Dear Readers,

    This is a quote from Steve Rhodes.

    I wanted to fill you in on what happened yesterday. Suddenly there was a flurry of vile and downright nasty comments, most which I deleted and did not publish. They were like the one above, posted by someone that I now believe is attached to Everest Debt Solutions in some way, since the hateful comments were followed up to a telephone call to credit.com as you’ll see below.

    This is also a quote.

    You accuse me of deleting your post settlement letters. Since visitors to the site are not able to post images, I can’t fathom how you would have posted a settlement letter to the site. And since visitors can’t post images there would be nothing for me to delete.

    So at the discretion of Steve Rhode he chooses what does and doesn’t go on his site. Those are his words not EDS. A true representation of a forum doesn’t have someone picking a choosing the posts.

    Steve what is your phone number?

    Steve what is your address?

    Steve what is the corporate address for MyVesta?

    Steve what is the address where you run this non-profit?

    Steve why did you stop selling leads to credit.com after EDS got involved?

    Steve why does Cambridge Credit Counseling refuse to acknowledge they work with you?

    Steve why is it that you won’t call EDS and work with them?

    Steve when can we expect to have you take down any and all information related to EDS?

    We await your answers if you publish this post.

    Call Us 1-800-258-4131

    Best,

    EDS Management

    • http://GetOutOfDebt.org Steve Rhode

      The name on the comment above says Consumer Protection but it is yet another comment from the anonymous Everest Debt Solutions management team.

      The email address they used on the post was info[at]steverhodesmyvestascam[dot]com. I wonder if they think they are smart, clever, or good business people?

      Steve

  • http://www.everestdebtsolutions.com EDS Management

    Nona & Steve,

    Call us. What do you have to lose? Stop hiding behind this website and get honest with the public.

    If you or anyone you know is a victim of the lead scam with Steve Rhodes please contact Everest directly. We have staff available to assist with your complaint. Our resources are confidential.

    1-800-258-4131 Waiting on your call.

    Best,

    Management

    EDS

  • Nona

    Steve, I do hope you post the name(s) of the anonymous EDS person, if you ever do find out! Those of us. Who believe in you want to have a good laugh! I would almost ask if this was all a joke, being so off the wall and unprofessional on the part of EDS! “Anonymous” needs work to do or he/she would not have the time to fabricate letters to and from their clients and then post them on the internet. If anything ever comes from all their huffing and puffing, I’d like to see their phone #, name(s), and written proof of all the things they are accusing you of posted for Steve Rhode fans to see. EDS is so on you, I don’t see how they keep up with their own lies. If I were looking for debt settlement company, read all their unprofessional contacts to you, EDS would be immediately scratched off the list! YEA, EDS! Way TO go!! Keep digging that grave a little deeper! In the last 6 months or so, I’ve kept up with info regarding debt settlement companies and how some states are (too late for some) cracking down on how debt settlement companies can (legally) operate. Would you be good enough to post it when you receive the information that the government has shut down EDS? I don’t believe you have a damn thing to worry about. In fact, please post if you decide to sue EDS for slander! Keep up the good work, Steve!!

    • http://GetOutOfDebt.org Steve Rhode

      Nona,

      Thanks for the support.

      Steve

  • http://www.everestdebtsolutions.com EDS Client Response

    Thank you so much for clearing the air on this. My husband and I were alarmed after reading some of the information on the Steve Rhodes website. Especially because we had used Cambridge Credit Counseling in the past and they took our money and did nothing for us. Then we learned that almost 80% of the people that signed up with Cambridge did not complete the program. What time is client care open till?

    Thanks,

    Marissa, Glendora California
    Account Number G65-XXX-XXXX

    • http://GetOutOfDebt.org Steve Rhode

      It’s hard to believe this as being real when it comes from the same anonymous EDS people that refuse to identify themselves to me.

      Steve

  • http://www.everestdebtsolutions.com Email To EDS Clients

    Dear Everest Client,

    Over the last few weeks we have received numerous phone calls and emails regarding Steve Rhodes. Steve Rhodes operates a website devoted to lead generation for a credit card counseling service. As many of you are past clients of CCCS programs we want to warn you of the slander for profit scheme Steve Rhodes is running in conjunction with a credit card counseling firm. We have attempted to work with Mr. Rhodes however him and his non-profit MyVesta refuse to take our calls or respond to talk over the telephone. You as our client should know that communication is the key to solving issues and we are putting our best foot forward to work with Mr. Rhodes. Hopefully soon he will contact us to resolve his issues.

    Our legal department is investigating this slander as well as Cambridge Credit Counseling and MyVesta. We have filed BBB complaints against both companies and are awaiting responses. The FTC and the California Attorney General have also been sent copies of the complaints. This is the third time in over 5 years we have had to deal with an individual like Steve Rhodes and we will uphold our reputation.

    We appreciate your calls and concerns and we wanted to remind you of several key facts about why you chose Everest Debt Solutions.

    *98.36% Client Satisfaction Rate
    *63.28% Average Balance Reduction Over 12 Months
    *Trained & Certified Debt Negotiators Paid On Performance
    *Dedicated Account Managers
    *USOBA Active Member Company
    *Chamber Of Commerce Member

    Client Care would also like to remind all of our clients that during the next few months if you have the ability to utilize your tax return for settlements it will drastically increase your savings and shorten the length of time of your program. Please contact Client Care if you would like further details or to arrange depositing extra money into your special purpose account.

    Sincerely,

    Client Care
    Everest Debt Solutions

    • http://GetOutOfDebt.org Steve Rhode

      Dear Yet Still Anonymous EDS Person,

      You realize that all of your venting, positioning, and threats are all over a short review I did using facts from your website. In all of your rants you’ve never disputed the facts I wrote about despite my many requests to clarify anything I got wrong.

      In fact you keep getting things wrong about me. You chronically misspell my name, but yet you never disclose what your name is. I categorically deny I am running anything in “conjunction” with any “credit card counseling firm.”

      I’m also confused about how I have failed to work with you. I’ve published your flames and responded to them. Would I be wrong in assuming that when you assert I have failed to work with you that you mean I have failed to bend to your wishes? Not agreeing does not mean failed to work with.

      I guess the good news about the BBB and AG complaint you alleged you filed is that I will finally get your name instead of your continued anonymous posts. Once I receive them I will ask the BBB and AG to please confirm the name of the person making these accusations.

      So this is the third time in five years someone has written a review about the public information on your site? Who were the other two people. I could not find any other reviews of your site at the time I wrote mine.

      Steve

  • Margo

    Steve-I couldn’t agree with you more on not complying with this anynomous EDS Management persons demand for you to call them. This company is just so totally amazingly unprofessional in how they responded to you since my intial question to you about their website. This is not how I would expect a reputable debt settlement company with so many customers and such a big client base and nothing to supposably hide to respond to alleged inaccuracies in your inital article and will not give you a answer on what was inaccurate no matter how many times you have requested them to do so- so that we -your readers can read it. They said they saved their clients almost $4 million, and asked what you do. I’d like to make on comment on that. I looked to Steve for advice back in October and have been a faithful reader since. What Steve does- gives people with similar experiences like mine a place to share their experiences with debt,(including readers sharing experiences-good or bad with debt settlement and debt management companies to to other readers who may be considering the same route), a place for people to get frank advice about their options when they are facing overwhelming debt and aren’t sure which is the best way to turn, articles that pertain to the crackdown on the debt settlement and debt management industry because many have scammed innocent people out of money they couldn’t afford to lose and still offered them no protection from lawsuits from their creditors. The mystery EDS Management person stated that their approach to debt settlement has saved their client base $3,962,724.99 in January and that they had 692 people sign up with them for services in January. Why would a company with such solid business and had nothing to hide even waste their time trying to make you out as a phony-or as you said- give a more dignified rebuttal simply correcting you on the alleged inaccuracies of your initial article and leave it at that. And to still be hung up on this 4 months later? You really have done your company no justice. Please let all the readers know what information was inaccurate on Steve’s article on your website and then move on. Margo

    • http://GetOutOfDebt.org Steve Rhode

      Margo,

      Thank you for taking the time to comment on this mess. It’s very odd in a train wreck sort of way, isn’t it?

      Big hug.

      Steve

  • Nona

    WTF?! I can’t believe EDS still can’t get over the fact that Steve is intelligent (and professional) enough to have found out that EDS is run by idiotic scammers. As I said before EDS is way too defensive not to have something to hide. The fact that EDS can’t seem to get over this shows how rude, crude and socially unacceptable they are! I totally agree with everything Steve has stated in his recent responses to EDS. “Call us”, “we’re still waiting for your call”, “we keep calling you, but you don’t call us back”. EDS hasn’t got the brains to get the hint! DUH! 2nd grade playground bullies! EDS sounds so unprofessional, rude and inmature, I can’t imagine anyone being naïve enough to give them one frickin’ dime! Now that I’ve spoke my piece, I’d like to ask a question: where is the proof of everything EDS is accusing Steve of? Even if the accusations were true, WHO CARES? Steve is not taking anyone’s money like EDS is.I’m telling you now, if I were Steve Rhode, I’d be RUNNING to an attorney to file a lawsuit for slander against EDS! What part of “get over it” don’t you understand?!?

    • http://GetOutOfDebt.org Steve Rhode

      Nona,

      Thank you for your comment and support. It means a lot to me.

      Steve

  • http://www.everestdebtsolutions.com EDS Management

    Steve,

    Yes or No do you sell leads generated from harmful advertising against debt settlement companies to Cambridge Credit Counseling.

    Call us with the answer 1-800-258-4131.

    Best,

    EDS Management

    • http://GetOutOfDebt.org Steve Rhode

      Nope, you and everyone can see my relationship with Cambridge in the site terms.

      Steve

  • http://www.everestdebtsolutions.com EDS Management

    Steve,

    Want to be open and honest call 1-800-258-4131.

    Steve stop deleting our posts and get truthful. When we post settlement letters and results you delete them.

    Who are you to be the judge and jury of EDS?

    Still waiting on your call. 1-800-258-4131

    Best,

    EDS Management

    PSS We are not going away so until you call be ready for us to be on top of this issue with false advertising and lead generation scheme.

    • http://GetOutOfDebt.org Steve Rhode

      Dear Anonymous EDS Management,

      Let the call thing go. I’ve already told you I’m not going to call and anything you want to say can be discussed publicly.

      I am not the judge and jury of EDS, the public is. Here is how it works, if I have said something that is not correct, correct me with a businesslike response. People then read what I have said, what you have said and then make up their own mind. Individuals are the judge and jury of you, not me. And with your string of rants and threats I can’t imagine they are thinking very highly of you right now.

      You accuse me of deleting your post settlement letters. Since visitors to the site are not able to post images, I can’t fathom how you would have posted a settlement letter to the site. And since visitors can’t post images there would be nothing for me to delete.

      At this point I frankly don’t care if you go away or not, your continued silliness here in the comments only damages your own reputation and makes people like you less. As I said before, anonymous EDS Management person, you are your own worst enemy, not me.

      I’m curious, in the article you keep commenting on, what are you claiming I said in the article that was not accurate?

      In the article I quoted your own site and wrote my own observations of what it said. I also posted a snapshot of a page on your site. What are you specifically complaining about?

      Steve

      P.S. Notice how I use my real name, what’s yours?

      • http://www.everestdebtsolutions.com EDS Management

        Steve,

        We posted several times about successful settlements and we never stated we posted an image. Stop twisting our words.

        Steve as the President Of Myvesta do you really have time to be insulting and slandering every debt settlement company in America.

        Call us to discuss no-one does business via an open forum.

        Steve – Pick Up The Phone And Dial 1-800-258-4131

        Why isn’t your phone number for your company on your website?

        Sincerely,

        EDS Management

      • http://GetOutOfDebt.org Steve Rhode

        Dear Yet Still Anonymous EDS Management Person,

        Feel free to post a settlement letter if that makes you feel better, but it has to be text. I have not seen any that you posted and thus have not deleted any.

        “Call us to discuss no-one does business via an open forum.” I do.

        Again, what did I say in my article about you that was not factual?

        From this point out I’m not going to waste my time with you. Continued nasty and false posts will be deleted. Nobody needs to be a part of your hissy fit anymore.

        Steve

  • http://www.everestdebtsolutions.com EDS Management

    We are still waiting on your call and we are not going to play your games of deleting the truthful posts we submit. This is a lead generation scam and EDS will not partake.

    Steve asking you to step outside would be reducing ourselves to your level of scam for profit as we know this is.

    Perhaps calling us can save you frustrations and stop the back and forth. Seeing how you won’t call speaks to your character. We emailed our clients last month about this scam and literally hundreds of our clients thanked us for the heads up.

    Hey Steve our approach to debt settlement saved our client base $3,962,724.99 in January. Additionally 692 people chose EDS as their debt settlement provider in January.

    So we saved our clients almost $4 million. What did you do?

    Waiting on your call.

    1-800-258-4131

    EDS
    Management

    • http://GetOutOfDebt.org Steve Rhode

      Dear Still Anonymous EDS Management,

      What truthful post have you submitted that I’ve deleted? I think I’ve been more than fair in approving your comments and letting you speak on the site. Probably more than any other site would have done.

      If you don’t want to partake in this site then wouldn’t the first step be to stop posting comments and partaking?

      I am speaking to you, I’m just doing it openly.

      Steve

  • http://www.everestdebtsolutions.com EDS Management

    Mr Rhodes,

    Please contact EDS management at 1-800-258-4131.

    Thank you,

    EDS
    Management

    PSS This site is devoted to generating leads for Cambridge credit counseling and Mr. Rhodes is using slander for profit. Steve Rhodes is a lead generation scheme.

    If Mr. Rhodes would like to have a manly discussion about this it can happen anytime. Just call us direct. We have tried to call you several time. We have your private number but you won’t return out calls.

    • http://GetOutOfDebt.org Steve Rhode

      LOL,

      This is the funniest string of flame comments I think I’ve ever received from you. I’m not going to call. I want to be open and transparent about this.

      Attacking my “manliness” is the funniest way I’ve ever seen of wanting to make things better. What are you going to say next, “Let’s step outside?”

      I have no messages from you. Don’t know what number you are calling.

      In the future, when dealing with any issue you don’t like, you might want to try an approach other than the bully thug one you’ve got going on now. Let’s see, accusing me of scamming customers, attacking my manliness, slander for profit, and then you not signing your name to your posts, etc. All of this only makes you look like a playground bully and worse to the public. Frankly, you are your own worst enemy and have done enormous damage to your own reputation, whoever you are with your anonymous posts.

      If I was a potential client of your and looking at your recent string of comments I’d be afraid to work with you, you don’t seem to be very nice people with your aggressive in your face approach.

      May I respectfully suggest that If you are upset about the information I wrote or something I wrote was not true, then why don’t you just post a friendly levelheaded rebuttal with sourced facts to give your side of the story?

      Steve

  • Nona

    Steve Sanders is the one that’s going to be in trouble. What part of LEAVE STEVE ALONE don’t you understand?! EDS must not have as many happy clients as you claim or you wouldn’t have so much free time on yout hands. You must be on drugs to dream up such crazy thoughts! The one here that’s not a real person is you. Get off the drugs and get a life. If you are unable to get over the hurt that Steve Rhode’s truth brought you, then get into counseling. Put your big girl panties on and get over it. Get to work and accomplish something constructive. Don’t make me tell you again, LEAVE STEVE ALONE!!!!!

  • Jack Henley

    Steve Rhodes and http://www.credit.com are involved in a debt lead generation ponzi scheme that is misleading consumers to going with a poor debt settlement company called Credit Solutions. Credit Solutions has over 1,000 BBB complaints and is considered by Steve Rhodes and http://www.credit.com to be trustworthy and legitimate. This website is a joke. Stay away.

    • http://GetOutOfDebt.org Steve Rhode

      Well who would have ever suspected I would owe Everest Debt Solutions a thank you. But I do.

      I wanted to fill you in on what happened yesterday. Suddenly there was a flurry of vile and downright nasty comments, most which I deleted and did not publish. They were like the one above, posted by someone that I now believe is attached to Everest Debt Solutions in some way, since the hateful comments were followed up to a telephone call to credit.com as you’ll see below.

      As I talked about before, some requests for additional service are handled through credit.com for me. You can see my comment above for more information on this. Well unbeknownst to me some requests for assistance from my site it turns out were actually going to Credit Solutions of America, a company that has been in trouble of late. Had I known that I never would have allowed that to happen. The minute I found out they were, I immediately asked that they be stopped and no more requests for help would be sent to CSA from my site. A programming change was made by credit.com and effective 5PM yesterday, that matter was handled and closed. So thanks for that EDS.

      What I can’t figure out is why someone claiming to be from Everest Debt Solutions calling from a 770 Georgia telephone number called credit.com and is reported to have left the following message saying “Got a call from gentleman, phone number 770-521-XXXX, working for Everest Debt Solutions. He will drop a newsletter to over 15,000 of his customers next week defending his position and accusing Steve Rhodes and most importantly Credit.com of fraud and improper business practices.”

      I am personally perplexed how someone claiming to be from EDS could call credit.com and threaten them. If anyone was slandered here it was credit.com and/or myself, accused of fraud, improper business practice, and a ponzi scheme. Seriously, a ponzi scheme? How is that even possible? [From wikipedia: A Ponzi scheme is a fraudulent investment operation that pays returns to separate investors from their own money or money paid by subsequent investors, rather than from any actual profit earned.]

      What is mind boggling to me is how a review of the EDS site, that raised and asked legitimate questions in response to Margo’s question has turned into such hate filled and vile attack by EDS against me and now credit.com. The apparent approach by EDS has not been to answer legitimate questions raised or to provide comfort to readers by being helpful, open and forthcoming. It is apparently to lash out, attack, threaten and submit spam comments under multiple identities from the same computer address. If anything I think Everest Debt Solutions has repeatedly injured and harmed their own reputation and public perception by their own actions. And based on some of the comments from others above, I don’t think I’m alone in that impression.

      If an EDS person reads this let me say, this is anything but rocket science or overly complex. Nothing needs to be defended by you. All I or readers want is just some simple, clear, and clarifying responses to questions raised from your site and your client agreement. That’s it. Not hate, not anger, not attacks, and not threats; just helpful clarification so we can all understand.

      So in the interest of ending this issue, unless someone from EDS wants to come forward and kindly provide some constructive responses to the issues raised, from this point forward I will not knowingly publish any more of their accusatory or not nice comments and will consider this matter closed so we can all move forward.

      Steve

      • http://www.everestdebtsolutions.com EDS Management

        Call Us Directly we are awaiting your call.

    • http://www.everestdebtsolutions.com EDS Management

      We are waiting on your call.

  • Steve Rhodes Lead Scam

    Steve Rhodes please stop the scam going on here by producing leads to be sold to debt settlement companies and agencies that broker out personal information. We will be filing a complaint with http://www.complaintsboard.com for fraudulent information and misleading Americans. Steve Rhodes is not a real person and this website is a scam.

    • http://GetOutOfDebt.org Steve Rhode

      Well I was going to just delete the comment above with the other four variations someone posted using different names but all coming from the same address. It is interesting that all of these similar messages were posted only on Everest Debt Solutions articles on the site. Hum, what could that mean?

      If the poster is actually related to EDS, can you please ask someone there to just answer the questions raised in the posts, please.

      Am I a real person, LOL, I’d never been accused of not being a real person before.

      So lets talk about the heart of this complaint. The anonymous person posting this is talking about the form for debt management or debt settlement information. The form can be found here. Also, it is important to familiarize yourself with my disclosures in the site terms and conditions here where I talk about ads on the site.

      I don’t have enough time in the day to personally keep tabs on providers. I rely on credit.com to do that for me. They assure me that all of the service providers they work with are have “all been cleared and we only work with partners that are legitimate and reputable.”

      If anyone has any issue with any service provider they may be contacted with as a result of the form, please contact me with your full name, your issue, and who the provider was and I will open an issue with credit.com to investigate the matter fully.

      Steve

  • Brad

    I too am an existing client of EDS but going back about 2 years. Some of what you are experiencing is to be expected. I cannot mention anything negative seeing how we did avoid going Bankrupt. Wells Fargo was very difficult to deal with initially and we did not see many results for some time. I will check my records but I believe 9-10 months into the program we received our first offer from them. From what we learned Wells has a long standing policy to ignore and harass card holders that use settlement firms to resolve their debts. Why this is we do not know however we did end up settling for a reasonable sum less than what we planned for. Customer service at EDS was always kind and courteous and after all is said and done we are happy with what we got from EDS.

    • http://GetOutOfDebt.org Steve Rhode

      Brad & Linda,

      I’m curious why your two comments from different people are posted two minutes apart and I can see, from behind the scenes, are from the same computer as Steve Sanders, the alleged general counsel for EDS?

      Your testimonials seem like planted testimonials from Everest Debt Solutions. If you did not post these testimonials then I’d be a bit concerned that EDS is posing as you and giving up your email addresses, pretending to be you.

      Can the EDS story get any stranger and more odd?

      Steve

      • Diane

        Yes, the one from Brad is on their website. I also have an email here from a Linda at Everest Debt Solutions who is Senior Debt Consultant. Funny!

    • Diane

      Steve, thought you received new testimonials daily? This is one from your website. Verbatim

  • Linda

    I am currently enrolled with Everest for debt settlement services and I am thrilled to see a company that still takes pride in working with its customers to resolve issues. Two weeks ago I received a letter in the mail from Chase Card Services saying that they planned to sue me for the balance on my credit card account. I called Everest and asked for their advice. They had me fax over the paperwork. 3 hours after that fax I received probably one of the best calls of my life. Not only did Everest settle with Chase avoiding my lawsuit but they also settled my account for 26% of the balance owed. The negotiations department at Everest not only settled with my creditors but also made me a part of the process. Thank You Everest!

    • Diane

      Linda, are you the Linda that works at Everest Debt Solutions? I have an email from a Linda Stell_ _ _ _ at Everest! Something sounds a little fishy here.

  • Margo

    Dear Steve,

    I just want to thank you for steering me in the right direction. I have met with a reputable bankruptcy attorney, one that is very skeptical of the entire debt settlement industry himself and has an opinion that they do nothing more than prey on people like myself that have fallen on hard times and want to do the right thing by working out a way to settle their debts with their creditors.

    They are often deceptive about the fees that are charged and are not right up front about how the whole debt settlement process works, and whether they are really authorized and licensed to provide these services. I can attest to this after being a victim of a fradulent scum sucking debt settlement company.

    I now have developed my own opinion of EDS myself after reading the response from Steve Sanders-he would have appeared much more professional had he responded to you by simply stating the facts and supposed track records of his company and his testimonials and left out the attack on you. I certainly wouldn’t want to do business with a company that was represented by people like that. And after reading your article Everest Debt Solutions & FDN Solutions These Debt Settlement Comapnies Are Really Starting To Piss Me Off-its clear that you don’t know who your dealing with when their mailing address is a UPS mailing center.

    As far as I’m concerned Steve your doing a great job of providing people with good information and helping us read between lines.

    Margo

    • http://GetOutOfDebt.org Steve Rhode

      Margo, Nona, John,

      I feel like the luckiest guy in the world because I have the smartest people (you) reading and commenting. With your help and feedback I think we addressed the issue here, that is unless EDS wants to keep going with this. Really, wouldn’t it been nice if they had just answered the questions?

      Steve

  • Nona

    It seems to me that Everest Debt Solutions has opened a can of worms. There wouldn’t be so many responses from them, each getting nastier, unless they had something to be defensive about. Then they start trying to make Steve look bad. EDS makes themselves look worse with each cut and negative question towards Steve. Why is EDS so worried about where Steve went to college and what makes him a debt/credit expert? As Steve said, the testimonials speak for themselves. In my eyes, 4,000 clients being sucessful out of 11,000 is not a good ratio of excellent services rendered. So leave Steve alone and worry about EDS.

  • Steve Sanders

    Hi Steve,

    I believe the original question asked was “Do you know of a reputable debt settlement company?” and “Do you know anything about Everest Debt Solutions?”. I also noticed Steve that your address is not on your website as well.

    Everest Debt Solutions is a reputable debt settlement company with thousands of successful clients and a portfolio of settlement letters that will keep us in business for years to come. Compared to most debt settlement companies our track record speaks for itself. Again we state 11,000 consumers have contacted us for services and only 1 complaint has ever been filed with the BBB of which we resolved immediately. More than 70% of our clients have settled one or more accounts.

    Our disclaimer on our website regarding THIS IS AN ADVERTISEMENT FOR OUR DEBT SETTLEMENT PROGRAM is nothing more that a statement of fact. Steve if you were to do a full investigation as to why we use such wording you would find that clearly EDS stands out from the rest of the industry both with a debt settlement consequences page and a full disclosure disclaimer on all pages of our website.

    I would like to raise the question of where you went to College or what makes you an authority on getting out of debt? What certifications or organizations do you use to ensure you are giving the general public what they are coming to you for?

    Here is a testimonial we received yesterday from one of our clients. “ATTN Negotiations Manager- I would like to personally thank Brian and Tanya for their help last week. Brian has been a pleasure to work with and Tanya is wonderful as well. I appreciate all you have done for me and my family. I wanted to let Brian know that my daughter did go for surgery and she is recovering just fine. In a time of my life where all things seemed uncertain Brian and Tanya made a monumental move towards negotiating with B Of A. The end result was a 18% settlement offer that eliminated my last credit card account. The stress that Brian and Tanya rid me of cannot be imagined on any scale all the while watching out for my daughter days before surgery. Brian & Tanya you are daymakers and your work is outstanding. With care and love- Vicky C. Madison, Wisconsin”

    We receive statements like this daily. I will post some more over the next few weeks for the public.

    • http://GetOutOfDebt.org Steve Rhode

      Steve,

      So you never answered, what is the business street address for Everest Debt Solutions?

      Our disclaimer on our website regarding THIS IS AN ADVERTISEMENT FOR OUR DEBT SETTLEMENT PROGRAM is nothing more that a statement of fact.

      I know it is, that’s why I was agreeing with it. What’s the big deal? Let it go.

      As far as my background in the area, I’ll let the testimonials speak for me.

      Is your aggressive response meant to be an attack or a deflection from answering the original questions I raised in my post? Why not just take the time to answer those and be done with it?

      Do you really have a D- score with the BBB as John commented? Why yes, it appears you do. In verifying that John was in fact right I discovered that Everest Debt Solutions is really FDN Solutions, LLC that has a UPS store postal center mailing address? That can’t be right. But it is, I called the store and confirmed it. Really, a UPS store? Come on.

      So this all lead me to the FDNsolutions.com site and makes me wonder if the “THIS IS AN ADVERTISEMENT FOR OUR DEBT SETTLEMENT PROGRAM” statement is as big a deal as you say, why is it not on the bottom of that site?

      Also, why does the BBB seem to list a UPS store as the mailing address of the company and a private residence as the additional address of the company? That all seems very odd. Am I misreading something here?

      And while I’m responding. What is up with the BBB statement on their site about you. Are you really using the BBB logo without permission or membership?

      Mis-use of BBB Name by FDN Solutions, LLC

      The business’s website has various pages that display the BBB logo. The business is not BBB Accredited and our policies prohibit such a reference.

      On March 10, 2009, BBB brought to the business’s attention its unauthorized use of the BBB logo on its website, found at the link: http://www.everestdebtsolutions.com/floridadebtrelief.php

      The business currently does not display the BBB logo on that link. However, it has been brought to BBB’s attention that the business is displaying the BBB logo on other website pages, including:

      http://www.everestdebtsolutions.com/illinoisdebtrelief.php
      http://www.everestdebtsolutions.com/minnesotadebtrelief.php
      http://www.everestdebtsolutions.com/pennsylvaniadebtrelief.php
      http://www.everestdebtsolutions.com/kentuckydebtrelief.php
      http://www.everestdebtsolutions.com/tennesseedebtrelief.php

      On June 24, 2009, BBB contacted the business regarding this. The company has failed to remove the BBB Logo from their websites. This company is not a BBB accredited business and they do not have permission to use the BBB Logo.

      Source

      Steve

      • http://www.everestdebtsolutions.com EDS Management

        Mr. Rhodes,

        Everest Debt Solutions is the first Debt Settlement Company to ever submit a 200+ page packet to the BBB to have their grade changed.

        Please contact us for a copy of that information.

        EDS
        Management

      • http://GetOutOfDebt.org Steve Rhode

        FYI, As of right now the BBB is showing you have a D- grade.

        I’m confused. Are you saying you are the first debt settlement company to submit 200+ pages to ask for your grade to be changed or that the BBB changed your grade to a D-?

        Steve

    • Diane

      Mr. Sanders,

      You now have 14 complaints on the BBB site.

  • http://GetOutOfDebt.org Steve Rhode

    Steve Sanders,

    You know, I slept on this to see if it would bug me less in the morning. Nope, it still bugs me. You say, “You are more than welcome to your opinions on companies you have done no research on however using foul language constitutes a slanderous comment.”

    My comments about Everest Debt Solutions were all research. My research, the review of your website, raised the questions I posted above. To say I did no research is directly contradicted by the fact that my writing was all based on research and observation.

    And the other thing, my vulgar comment that you claim was slanderous. So I removed the word bullshit from the sentence “My favorite line on their site is in the footer where they say this about their website “THIS IS AN ADVERTISEMENT FOR OUR DEBT SETTLEMENT PROGRAM.” [removed word] Of course it is.” What I wrote was not disagreeing with you, it was a reinforcing affirmative statement.

    So what were you trying to say? You claim I did no research and yet my questions raised are direct observations and statements from your public site. And you claim my ‘bullshit’ was slanderous even when my statements was in agreement with you. OK, so the word bullshit did not need to be there and removing it did not change the meaning of the sentence. So, what was the point?

    Was this a canned nastygram you sent me?

    Just curious and doing my research to get to the bottom of it.

    Steve

  • john

    Everest has a D- score with BBB

  • Steve Sanders

    Hi Steve,

    We would like to ask for you to remove your vulgarity from the post regarding Everest Debt Solutions. You are more than welcome to your opinions on companies you have done no research on however using foul language constitutes a slanderous comment.

    As general counsel of EDS for 6 years I have personally over seen compliance issues and best practices for the debt settlement business we operate. Over a 7 year time span we have aquired over 11,000 clients. 4,000 of them have successfully graduated the program settling 100% of their debt for less than 50 cents on the dollar. We have currently 6,500 active clients and roughly 500 that have dropped out of the program. Of the 6,500 clients 92% of them have had an offer to settle their account for less than 55 cents on the dollar. Of the 500+/- drop outs from the program that paid fees to us 86% of them settled an account prior to leaving us for various reasons. With 11,000 educated clients and 1 BBB complaint we are clearly providing un-paralled service to our clients.

    Thank you in advance for removing the comment and vulgarity posted regarding EDS.

    • http://GetOutOfDebt.org Steve Rhode

      Steve,

      No problem. I removed the ‘bullshit’ from my response. No worries.

      Since I found you, could you be so kind as to answer the questions raised in the post?

      Steve

      • http://www.everestdebtsolutions.com EDS Management

        Mr. Rhodes,

        EDS is extremely concerned about the inaccuracies of your website and more importantly you are scamming the public leading people to believe this is a self help website when in fact you are selling leads to Cambridge Credit Counseling.

        Please contact us to discuss removing our company from this website as you are scamming our customers.

        Thank you,

        EDS
        Management

      • Diane

        Everest now has an F with over 14 complaints listed!

      • Legal Compliance

        Everest Debt Solutions has provided services to over 19,000 Americans. 14 Complaints Is An Achievement.

        Sincerely,

        EDS Compliance
        1-800-258-4131

      • Observer

        Other snap shots of your sites say you help over 30,000 and here you say over 19,000.This is confusing. Are the other 11,000 not Americans?Were you lying then, or are you lying now?

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