Comments for How to Get Out of Debt With the Get Out of Debt Guy

Comment on Western Sky Financial – Scam, Complaint, Review, or Praise? by Fefey79

Fefey79 — Fri, 25 May 2012 02:12:00 +0000

can these people call my work like they have been and telling me and my boss that I could go to jail and that I need a Criminal lawyer.Help..fefey79@hotmail.com

Comment on Fake Debt Collectors from India, Stopped by erin

erin — Thu, 24 May 2012 22:44:00 +0000

I received a call from a Daniel Beck or Veck (couldn’t understand him because of his accent) and he left me a voice mail saying it was very important that me or my attorney call him back OFF RECORD so they could settle the matter at hand. Said that if I did not call him back I would be sorry and all he could do is wish me the best of luck in the matter. So I called him back and he said that AmeriCash was pressing charges against me for fraudulent id and social security number. Said they had deposited money into my bank acct. I immediately told him I didn’t know who Americash was and I don’t even have a bank acct. He started to talk really fast and told me I would be served a warrant on Wednesday and be arrested on Friday, said good luck and goodbye. Well I’ve never heard of these calls before and all I knew was that I had never been approved for any loan, I am a mother of two girls and all I could think was I was gonna get arrested for something I didn’t do. I FREAKED! I called my mother-in-law who called the sheriffs office and he said he had no warrant for me and it was probably a scam. Said I needed to file a complaint with the better business. Only problem is this guy said he was with Telly and Campbell Legal Services which doesn’t even exist! He called from phone number 309-200-1642. Hope this helps! I think it’s a shame!

Comment on August Belmont & Company – Scam, Complaint, Review, or Praise? by Common_sense_101

Common_sense_101 — Thu, 24 May 2012 22:01:00 +0000

If I’m not mistaken their fees come out to almost 30% of the consumers debt….thats some vig!! How else can they afford to pay all those affiliate sales companies? Meanwhile, those that follow the rules do not earn a dime until a settlement is reached. Which do you think will work harder for you, the company who has yet to earn its fees or the company that gets paid upfront ?

Comment on August Belmont & Company – Scam, Complaint, Review, or Praise? by Jdlalone

Jdlalone — Thu, 24 May 2012 21:20:00 +0000

They charge up front fees?

Comment on Connecticut Fox TV Station is Looking for Persels & Associates Consumer to Interview by Steve Rhode

Steve Rhode — Thu, 24 May 2012 20:55:00 +0000

Thomas,

Thanks for the assist.

Comment on Cristy Has Three Payday Loans And Can’t Pay Them by Charlie

Charlie — Thu, 24 May 2012 20:20:00 +0000

Sometimes a cash loan is all these types of people can receive. And by types, I mean those with poor credit and financial history..

Comment on Western Sky Financial – Scam, Complaint, Review, or Praise? by Jo2smom

Jo2smom — Thu, 24 May 2012 20:03:00 +0000

Don’t be an idiot and pay it off soon. There atleast there if someone really needs the help. There taking there chances to.

Comment on The National Tire & Battery Credit Card – Scam, Complaint, Review, or Praise? by Terrymnorris

Terrymnorris — Thu, 24 May 2012 20:02:00 +0000

My 73 year old father was ripped off by a NTB employee in which later I found this employee and the Sales Manager, Lloyd Duncan, both was in this scam. My father who do not know how to read but can sign his own name paid this NTB employee IN CASH for four tires and then the employee told him how he could receive this mail-in rebate card and had my father to sign a credit card application and gave my father a receipt showing the credit card was also being charged. This employee took my father into the manager’s office to receive the cash. So far NTB Headquarters has not shown any resolution in trying to resolve this issue.

This store is located at 5640 Sunnyside Drive, Beltsville, Maryland 20750.

Do anyone have any suggestions?

5/24/2012
(2 0 2) 3 0 8 9 7 2 0

Comment on Connecticut Fox TV Station is Looking for Persels & Associates Consumer to Interview by ThomasPNitzsche

ThomasPNitzsche — Thu, 24 May 2012 18:53:00 +0000

I have located a consumer who contacted us recently after starting with them, but the client is in another state unfortunately. I will check to see if she and the reporter would agree to a phone interview.

Thomas Nitzsche
ClearPoint Credit Counseling Solutions

Comment on Is the Government Going to Freeze GCS and NoteWorld Client Accounts? by dsimon1

dsimon1 — Thu, 24 May 2012 18:27:00 +0000

Steve,

I contracted with Lloyd Ward & Associates in September, 2010 to do the obvious, get out of debt”. Unfortunately, 2 lawsuits later, a judgment rendered against me and my wages being garnished, I have had to result in filing bankrucpty to stop the bleeding. I came across your website after trying to figure out any information I could about this company. I followed the steps outlined in your “How to Get a Refund” portion of the website. I wrote a demand letter to them on May 2, 2012, giving them until today, May 24, 2012 to respond or I will file the complaints mentioned. I have heard nothing from them except a phone call the day they received my complaint indicating they needed a “verbal statement” that I was discontinuing their services and requested a refund. I advised the representative to read my demand because it was very clear.

I wish I would have done this research prior to contracting with this company because I fear I may never recoup the $5K+ dollars I have providing to this company. They have made a bad situation worse! I cannot say it more clear to anyone reading these posts – stay far away from debt settlement companies. They offer nothing to you but misery all in an attempt to advertise they’re helping you.

I guess my next steps are to file the complaints as you suggest.

D. Simon

Comment on Attorney Needs Help With Debt Lawyers of America, Debt Arbitrators of America, and Financial Crisis 180. by Denbleyker6

Denbleyker6 — Thu, 24 May 2012 18:26:00 +0000

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

Comment on Greenleaf Finance Ltd UK – Consumer Complaint – 5-10-2012 by chrispro86

chrispro86 — Thu, 24 May 2012 18:16:00 +0000

what bank are you with ?

Comment on Is DebtConsolidation.com Smoking Dope? by Guest

Guest — Thu, 24 May 2012 18:01:00 +0000

If the AFCC is supposed to be taken seriously they need to
clean up and cut the crap. When this kind of thing happens they should consider
taking action against the company’s involved and making a public
statement about how this type of behavior is not condoned etc.
If they are not going to do it, than in my opinion they are still as full of
excrement as they have been in past associations and company iterations.
In fact, It is this very thing that should give someone pause from seeking out
the advice and assistance of any company associated with the AFCC.

Comment on Greenleaf Finance Ltd UK – Consumer Complaint – 5-10-2012 by Dinnery

Dinnery — Thu, 24 May 2012 17:50:00 +0000

anyone managed to get there money back from halifax?

Comment on Greenleaf Finance Ltd UK – Consumer Complaint – 5-10-2012 by chrispro86

chrispro86 — Thu, 24 May 2012 17:46:00 +0000

same thing happened to me 49.99 out gone on website closed dow ??? phoned bank and they gave me a number to call phoned it and it went to an answer service i left details and they are suppose to call me back ………. stuck now dont no what to do ??

Comment on Clint Johnson Suspended by Bar. Receiver Appointed. Impacts, Johnson Law Group, Debtwave, CBDC. by mike

mike — Thu, 24 May 2012 17:20:00 +0000

Steve,
Do you know of any resoultion on the frozen accounts? I am one of the people that has seen their funds frozen in an acocunt have already settled my debts. Unfortuntely, I don’t when or if I am ever going to recive those frozen funds. Everyone I ask wether it be the Johnson Law group or my new debt management company seems to know nothing, I feel like I just got scammed.

Mike

Comment on Greenleaf Finance Ltd UK – Consumer Complaint – 5-10-2012 by Cprobert1986

Cprobert1986 — Thu, 24 May 2012 16:52:00 +0000

could i have there contact details please same thing happened to me email is cprobert1986@hotmail.com cheers

Comment on Dave Ramsey and His Un-Truth About Bankruptcy by Steve Rhode

Steve Rhode — Thu, 24 May 2012 14:15:00 +0000

Forgot to ask. Do you think it is more moral for your FIL to learn from the situation and rebuild or suffer in the middle of it for years and repent?

Comment on Dave Ramsey and His Un-Truth About Bankruptcy by Steve Rhode

Steve Rhode — Thu, 24 May 2012 14:13:00 +0000

How about reading this http://getoutofdebt.org/24629/the-honest-and-unvarnished-truth-about-how-to-get-out-of-debt

You can make up your own mind. I’m not trying to change your mind or convince you of anything. Just show you an alternative point of view.

This will help your FIL as well http://getoutofdebt.org/43499/the-seven-stages-of-debt-which-stage-are-you-in

Comment on Dave Ramsey and His Un-Truth About Bankruptcy by Scotty Strickland

Scotty Strickland — Thu, 24 May 2012 13:47:00 +0000

My inlaws are in the midst of it and it has broken my fil. COMPLETELY broken him. DO NOT tell ME its a good thing!

Comment on Deceptive Mailer – Housing & Economic Recovery Program (PL 110-289) by Tprescott54

Tprescott54 — Thu, 24 May 2012 13:33:00 +0000

Just one more person who got the mailer. Your website stopped me from making a mistake. Thanks.

Comment on Dave Ramsey and His Un-Truth About Bankruptcy by Steve Rhode

Steve Rhode — Thu, 24 May 2012 12:52:00 +0000

Is it the moral thing to do if it leaves you in a less safe financial position moving forward?

Here are a couple of examinations into that exact subject.

http://getoutofdebt.org/33451/is-bankruptcy-sinful-and-bad-or-right-and-moral-an-examination

http://getoutofdebt.org/5504/if-bankruptcy-is-immoral-and-against-religion-or-god-then-why-did-the-jesuit-priests-of-oregon-just-file-bankruptcy

This is a great topic to discuss.

Comment on Review – Free Money “They” Don’t Want You to Know About by Kevin Trudeau by AprilM

AprilM — Thu, 24 May 2012 09:09:00 +0000

Thanks for this!

Comment on Greenleaf Finance Ltd – Consumer Complaint – 5-21-2012 by Dariusz Tokarczyk

Dariusz Tokarczyk — Thu, 24 May 2012 07:55:00 +0000

i wont back my 39.99 !!!

Comment on Dave Ramsey and His Un-Truth About Bankruptcy by Phil_78_2000

Phil_78_2000 — Thu, 24 May 2012 04:00:00 +0000

The Dave Ramsey plan is the way to go. You did not get into your predicament overnight and you won’t get out of it overnight. Paying your creditors off is the moral thing to do.

Comment on August Belmont & Company – Scam, Complaint, Review, or Praise? by Arthur Klein

Arthur Klein — Thu, 24 May 2012 03:54:00 +0000

i was not sure at first but……………………………WHEN I ACTUALLY USED MY INTELLIGENCE, DID MY RESEARCH OF SOME BASIC LAWS……I decided to take my chances/questions with one of my highest interest taken/rated cards. It went from 9% to 15.99%, to 22.99% and when I called to try to get them( the bank) to help me they hurt me ( I think) by not posting a payment on time…when i knew that they did have 6-7 business days to do so. After speaking with an attorney I knew that this would be a great fit.

Comment on Realty Law Center – Consumer Complaint – 5-16-2012 by Johnm

Johnm — Thu, 24 May 2012 03:49:00 +0000

Realty law center is now homestead law group in Irvine …this company keeps changing names every 6 months so that they have no complaints online..having a professional help you with the modification processs helps but there are too many scams out there..

Comment on American Eagle Outfitters Credit Card – Scam, Complaint, Review, or Praise? by Kcopespershing

Kcopespershing — Thu, 24 May 2012 01:47:00 +0000

This was my daughter’s first credit card which she applied for on her own. The introductory offer was attractive and included a immediate savings. After 6 months the interest rate increased to almost 24% with a payment required at 1% of balance, up from 1/20 of balance. This is a bate and switch if I ever saw one. Dishonest practice and a very difficult lesson in life.

Comment on The Student Loan Death Trap: Private Student Loans Drive the Future into Poverty. – Rachel by Sssplish

Sssplish — Thu, 24 May 2012 01:07:00 +0000

I mean don’t delay paying for your undergrad by getting a masters. Wait until you climb the ladder and have proven yourself so that a reputable corporation will pay for your masters.

Comment on The Student Loan Death Trap: Private Student Loans Drive the Future into Poverty. – Rachel by Bubblestrubbles

Bubblestrubbles — Thu, 24 May 2012 01:04:00 +0000

I let my loans go into default three years ago. Yes I have creditors harassing me, but the loans went into default which stopped everything. I had not job for them to garnish and it took about two years for it to truly default but, it stopped the fees, interest, and over-all growth of my loans. I was paying $1600 a month on my loans and the number kept growing so I just gave up. Now the collectors are calling me with deals. I think if everyone just stopped paying, well, I think the system will just come to a screeeeetching hault.

Next time you report your job, make sure it is a petty job that barely pays anything and keep the real one to yourself.

Comment on The Student Loan Death Trap: Private Student Loans Drive the Future into Poverty. – Rachel by Sssplish

Sssplish — Thu, 24 May 2012 00:54:00 +0000

I would like to see student debt back on the negotiating bankruptcy table, but not to be discharged. One reason the rule was changed was because people in the past would go to school, file bankruptcy immediately upon graduation and then live the life of a king at the tax payers expense. For this reason I would like to see an alternative to bankruptcy.

Bankruptcy should be more flexible and creative in managing a persons student loan debt. For instance, if someone has payed for their loans more than twice they are paid in full, lower the interest and payments and take it out of the colleges hide. After all, Schools are part of the problem preying on young inexperienced adults so they can build million dollar football stadiums to get more students to no end.

Students are adults and should not borrow money for something they can’t surely manage in the long run. I paid most of my way through my undergrad and worked three jobs at a time. I took the bus, lived with lots of undesireable people or at home, dressed like crap, bought used books and didn’t take trips or go shopping. I took my time getting my degree and did half of it at a community college where it was cheaper and transfered to a four year school half way through.

I know this doesn’t help those already struggling, but if you could pay your loans off quickly by living poorly intensly for a few years, work a couple of jobs and refrain from spending, they may be in a better position sooner. And last but not least, don’t start anything that costs anything, learn the fine art of waiting to have babies, houses, toys and trips. And most of all do not delay your education by getting more education! It is the stupidest plan I have ever heard.

Comment on If I commit suicide will my next of kin have to pay my student loans? by Steve Rhode

Steve Rhode — Wed, 23 May 2012 23:59:00 +0000

What kind of student loans do you have; private or government?

Wat other debts do you have?

Have you checked into what public benefits you may be eligible for yet?

Comment on Greenleaf Finance Ltd UK – Consumer Complaint – 5-10-2012 by Steve Rhode

Steve Rhode — Wed, 23 May 2012 23:57:00 +0000

Thanks. I’ll pass it on to US officials.

Comment on Greenleaf Finance Ltd UK – Consumer Complaint – 5-10-2012 by Malpascat

Malpascat — Wed, 23 May 2012 23:12:00 +0000

Hi Steve,
Just to let you know this looks like a pyramid fraud, my partner was scammed £49.99 and asked me to look at the company, they have registered here UK as greenleaf finance ltd the address you have uk director matthew wilson company id 07653375, but the registrant of the wesite is Marty Green I rang one of the companies also registered at the address who confirmed green leaf had rented but no one was there and it was mail only, after further searching and contacting the loan companies to give details of what brokers gave them nfomation none was acgreen leaf referal so it to looks like he my be ur US glen marty green all the details i have passed on to the fraud here to investigate, but you are correct if this is true we have cancelled all card and bank account as they even said card can not be enough to stop future withdrawls now he has the details and advised they will refund, it may be the same guy but maybe you should report to the US as if it is the same guy he needs to be caught again

Comment on Greenleaf Finance Ltd UK – Consumer Complaint – 5-10-2012 by Malpascat

Malpascat — Wed, 23 May 2012 22:36:00 +0000

Hi I also bank with the Halifax Greenleaf took 49.99 from my bank 21.5.2012 contact them they are getting 100,s of complaints and will refund, but you wlll need to cancel not only your card but your account number they will change alll this for you and yes big inconvienience but this reaaly is a big scam so they can not guarentee that even if they cancel the card the scum cant use your bank details in the future , the wesite is now down wonder why it is registered to a marty green non uk residenent not matthew wilson on companies house go to goole just type in whois put the web address this will give you the registrant details then google marty green not the austrailain that come up a little bit further down I think he is the same Glen marty green that pulled this scam in the us, I have already reported all this but with this the halifax should refund anything he has been taking they are with mine

Comment on If I commit suicide will my next of kin have to pay my student loans? by Diaconate

Diaconate — Wed, 23 May 2012 21:42:00 +0000

I’m 51 and in the same boat after leaving a job to take care of our sick children. My wife’s teacher income is not enough to survive on with a family of 5. Hopelessness is just the tip of the iceberg. Suicide appears to be the best out and solution for my wife and children. They’ll receive Social Security if I die. My student loans disappear since they can’t make my wife pay them.

Comment on Strategic Debt Solutions – Scam, Complaint, Review, or Praise? by Derylandholly

Derylandholly — Wed, 23 May 2012 21:12:00 +0000

did they settle anything?

Comment on Is Thomassen Law Group a Scam I Should Avoid? – Rachel by Stytlin4u06

Stytlin4u06 — Wed, 23 May 2012 20:49:00 +0000

I signed on with MTLG in 11/2011 I have made 7 payments and I know that they are legit because they wrote a letter to a lender that wanted clarification as to why I stopped paying my credit card bills, the terms of the contract, monthly payment etc. So far so good. I don’t get any calls from the creditors and I get a monthly call from my account representative. I hope this works out in the end. Also MTLG does not get paid until they settle a debt. The incentive for them is settling the debt for the lowest amount because they get a % for the amount they settle for, I have a set amounts for payments and length of payments. No more no less. There is online billing so I can see the amount in my “Trust” account.

Comment on DUBAI CREDIT CARD DEBT – Joseph by Jbhaskaran

Jbhaskaran — Wed, 23 May 2012 19:56:00 +0000

how anish, my number is 055 9578237

Comment on Attorney Needs Help With Debt Lawyers of America, Debt Arbitrators of America, and Financial Crisis 180. by Kimberly

Kimberly — Wed, 23 May 2012 19:55:00 +0000

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

Comment on Chevron and Texaco Credit Card – Scam, Complaint, Review, or Praise? by Ori0n43

Ori0n43 — Wed, 23 May 2012 18:56:00 +0000

Forgot to mention I have the Chevron and Texaco Universal Master Card. Not sure if there are any others but this card is garbage.

Comment on Chevron and Texaco Credit Card – Scam, Complaint, Review, or Praise? by Ori0n43

Ori0n43 — Wed, 23 May 2012 18:52:00 +0000

I hate them. High interest rates, jump through hoops to find their web site to pay online (its not listed anywhere on the bill) They charge to pay by check, account password gets reset so you are locked out of your account and forced to call in and then set up even more ‘security’ phrases. Doubt there is anything they dont charge for. Do not get this card, 0 benifits to having it might as well just get a regular credit card with resonable interest rates and possible points or miles.

Comment on Life After Bankruptcy – The Truth by ThomasPNitzsche

ThomasPNitzsche — Wed, 23 May 2012 18:37:00 +0000

I appreciated the fear-busting tone of this post on what is a very negative topic in many people’s minds. I couldn’t agree more with what I think is a key point: “Immediately after their discharge they should be focused on rebuilding their credit.”

It’s hard for many filers to feel like they are truly working with a “clean slate” since it shows on the credit report for so long, but being proactive and taking those steps of getting new items reporting favorably on the credit report and creating on-time payment history is critical to getting finances back on-track.

Thomas Nitzsche
ClearPoint Credit Counseling Solutions

Comment on Attorney Needs Help With Debt Lawyers of America, Debt Arbitrators of America, and Financial Crisis 180. by Jennifercorm346

Jennifercorm346 — Wed, 23 May 2012 17:59:00 +0000

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

Comment on Freedom Debt Relief Sues Century Negotiations, Inc. My How Times Change. by Topjaba

Topjaba — Wed, 23 May 2012 17:58:00 +0000

Steve, are you sure you have the tile of this article right?
“To summarize the case, CNI feels FDR should indemnify CNI for the cases filed and FDR says bollocks. FDR claims they had nothing to do with these clients except pass the lead over to CNI.”
Seems like CNI is suing FDR…

Comment on Should I File for Bankruptcy? by Paula Langguth Ryan

Paula Langguth Ryan — Wed, 23 May 2012 17:48:00 +0000

Thanks for this, article, Steve. Folks can also do their own initial assessment if they’re still shy about going to see an attorney, by getting a free copy of How to Know if It’s Time to File at http://www.paulalangguthryan.com/bankruptcytools/shouldyou/

Peace,
Paula
author, Bounce Back From Bankruptcy
http://www.newcreditafterbankruptcy.com

Comment on Attorney Needs Help With Debt Lawyers of America, Debt Arbitrators of America, and Financial Crisis 180. by Denbleyker6

Denbleyker6 — Wed, 23 May 2012 17:02:00 +0000

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

Comment on Estate Law Group – Consumer Complaint – 3-14-2012 by Pearljam_19

Pearljam_19 — Wed, 23 May 2012 16:25:00 +0000

ESTATE LAW GROUP is a Scam and they are very unprofessional DO NOT DO BUSINESS with them. They try to over talk you as well as cut you off. They put words in your mouth also.Then if you are having issues with your home just as the Danile typed down there they say your irressponsible about paying your mortgage. They are not attorneys they have attorneys on hand to help them review the file. Thats why they get away with this nonsense.

Comment on Greenleaf Finance Ltd – Consumer Complaint – 5-21-2012 by Lindsy06

Lindsy06 — Wed, 23 May 2012 15:59:00 +0000

39.99 gone..last time i do this kinda things in internet!!!! where i can get they nm???

Comment on I Withdrew From College And Have No Intention of Paying The Old Bill But Want to Go Back by laurawahi

laurawahi — Wed, 23 May 2012 15:35:00 +0000

if your current income is such that finding $100 a month is tough, then i can see that you need to increase your earning potential. if you are going into a program that can really help you to find a better job, then i think it totally makes sense to go back. bear in mind that you will need to give this time and energy, and so will likely have to cut back on work, and probably take more student loans just to support yourself. make a realistic plan to get this done as quickly as possible. the sooner you graduate, the sooner you can get a better job. if you plan to go part time, over many years will you still be young enough when you graduate to make the investment of time and money worhwhile?

if you get federal student loans, you can go into income based repayment, and have your payments set at zero until you can afford to pay more. you simply submit your tax douments every year and direct loans will tell you home much you can afford to pay.

if you find you never find a better job, and your payments remain too low to pay off the loan within 25 years, the remaining balance will be discharged. this can be a big problem for some as this discharged debt is taxed as income. in circumstances such as these, when the discharged debt would lead to an unaffordable tax bill for the debtor, then it is possible to have the remaining balance discharged in bankrupcy, though this does not happen often.