Address:
DebtWave Credit Counseling, Inc.
8665 Gibbs Drive
Suite 100
San Diego, CA 92123
Website: DebtWave.com
Description: This non-profit credit counseling organization states their purpose is to:
The Organization’s exempt purpose is to reduce the incidence of personal bankruptcy by educating the public about personal money management skills and by assisting low-income individuals and families with their financial problems through counseling, budget planning, and negotiating with their creditors to reduce interest rates and monthly payments. The organization receives fees from its clients and their creditors for handling and facilitating payments of these debts. Source
Debt Wave Management:
President: Antony Murigu
Vice President: Michael S. Butsko
Treasurer: John Casarietti
Secretary: Jason D. Cash
Director of Operations: Brian Blackburn
Controller: Michelle Blackburn
Counseling Director: Michael Marsden
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Total Number of Employees: 33 Source
Relationships
2006 990 return states organization had a relationship with Americorp. Source
Interesting Points
According to the organizations 2006 990 return the president, Antony Murigu gave DebtWave $412,819 on April 12, 2004 on a three year note at 9% for its “operating needs.” Source
The 2008 990 return shows that president Antony Murigu is the 100% owner of Triple Three, Inc. and DebtWave purchased computers, software and consulting services from his company. Source
Triple Three, Inc.
6161 El Cajon Vlvd
Suite 427
San Diego, CA 92115
“The organization’s president, Antony Murigu, and its treasurer, John Casarietti, have both been investors and officers in the same companies.
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the new law firm in las vegas is not new it is the same guys that worked at johnson law group in nevada. the same guys that ran johnson run consumer debt legal group. ken kestinbaum paul constantino and dan damonte ran johnson and now run the new law firm. damonte and constantino are
felons and the attornies that at the new firm mike lee and nick snow worked at johnson.
the new law firm in las vegas is not new it is the same guys that worked at johnson law group in nevada. the same guys that ran johnson run consumer debt legal group. ken kestinbaum paul constantino and dan damonte ran johnson and now run the new law firm. damonte and constantino are
felons and the attornies that at the new firm mike lee and nick snow worked at johnson.
An ex-employee that left a debt shop was enrolling clients into debt management program with Debt Wave in San Diego that uses an attorney to collect fees upfront. Debt Wave was using Johnson Law Group out of Florida, but ever since the heat came from Clint Johnson, Debt Wave than started using Azam Law firm which they also had issues so after that they started using Nulo Processing owned by Anthony Murigo who also owns Debt Wave and Costal Credit Solutions and now Nulo has stop operating so Debt Wave is using this new lawfirm in Las Vegas – Consumer Debt Legal Center to collect the first consumers payment upfront. The way it was explained that the fees was used as a retainer, so whatever the first payment the consumer would make ranging from $200 to $4000, they would hold that as a retainer and pay 80% or 90% of that first payment back to the marketing company. I know you have written plenty of articles with the same linkage from JLG down to Debt Wave so just a heads up on what I found out about who they are using now to bypass state and collect these fees. From my observation and hearing things around here in Orange County, seems like there’s a circle of the same group just going back and forth, from ESS – Tom Rolands, Tim McCallan of Americorp, Anthony Murigo they work in a very tight niche. These folks all they do is harm consumers and change entity or lawfirms to continue their deceptive marketing while other firms are adjusting and abiding the law. I hope in your research you find more dirty deeds on these folks and put a stop to them.
An ex-employee that left a debt shop was enrolling clients into debt management program with Debt Wave in San Diego that uses an attorney to collect fees upfront. Debt Wave was using Johnson Law Group out of Florida, but ever since the heat came from Clint Johnson, Debt Wave than started using Azam Law firm which they also had issues so after that they started using Nulo Processing owned by Anthony Murigo who also owns Debt Wave and Costal Credit Solutions and now Nulo has stop operating so Debt Wave is using this new lawfirm in Las Vegas – Consumer Debt Legal Center to collect the first consumers payment upfront. The way it was explained that the fees was used as a retainer, so whatever the first payment the consumer would make ranging from $200 to $4000, they would hold that as a retainer and pay 80% or 90% of that first payment back to the marketing company. I know you have written plenty of articles with the same linkage from JLG down to Debt Wave so just a heads up on what I found out about who they are using now to bypass state and collect these fees. From my observation and hearing things around here in Orange County, seems like there’s a circle of the same group just going back and forth, from ESS – Tom Rolands, Tim McCallan of Americorp, Anthony Murigo they work in a very tight niche. These folks all they do is harm consumers and change entity or lawfirms to continue their deceptive marketing while other firms are adjusting and abiding the law. I hope in your research you find more dirty deeds on these folks and put a stop to them.