March 15, 2025 – Submitted Statement by Jonathan Delormekelkey
I just wanted to take a moment to sincerely thank you for your message and your insightful words. I truly appreciate it. I also want to apologize if I came across as hostile in any way, that wasn’t my intention in any shape or form.
It’s just been really frustrating having my name tied to a lawsuit, especially since I’ve never experienced anything like this in my 25 years of living. But hearing your words definitely gave me some peace of mind, and I truly appreciate that.
I’ll keep you updated on everything as I work to get this resolved. Hopefully, I can put this behind me soon and refocus on what really matters. Also, I really appreciate the wisdom you shared and the removal from prior.
Hope you have a blessed day, and I’ll definitely keep you posted.
Steve’s Personal Response
Now, that is a classy response. You have the right mindset, and I think you will go far. I have 40 years of tough experience ahead of you, and if there is one thing I can say for sure, it never stops being a wild ride.
When I was about your age, I went to a real estate seminar. Yes, we had those 40 years ago. The speaker looked out at all of us eager, bright-eyed investors and said, “This is a tough business, and it is filled with sharks. You are going to get bit.” He was not wrong.
In the credit and debt space, there are two types of companies:
- Those that have been sued.
- And those that will be sued.
That first lawsuit never feels fair. It makes you angry, keeps you up at night, and makes you question everything. But soon, you will realize it is just the cost of doing business in modern America, where anyone can sue you for anything at any time. It is frustrating, but it does not define you.
I remember one time I came home after an exhausting trip with my father, who had dementia. I took him back to his childhood stomping grounds before his memories slipped away completely. It was emotionally draining. When I pulled up to my house, there was a big biker-looking guy sitting outside on a nice-looking Harley. He had process server written all over him.
I learned a long time ago to always be kind to the process servers. They are just doing their job. They did not sue you.
I got out of the car, dead tired, gave him a big smile, and shook his hand. He sighed and said, “I am afraid some asshole is suing you.” We both laughed, and he rode off with a wave.
And you know what? The guy who sued me ended up getting shut down and thrown in jail. Life has a funny way of settling the score.
Right now, this feels like a mess you just want to get past. And you will. The frustration, the anger, the stress, it fades. What matters is how you move forward. You are handling this with class, and that is what will set you apart.
I hope this old fart helped, even just a little. And please do me a favor: 40 years from now, when you see someone struggling through their first lawsuit, pass along what you have learned. Remind them they will get through it. Help them out for me, because by then, I will be long gone—but the lessons will still matter.
Steve
March 14, 2025 – Submitted Statement by Jonathan Delormekelkey
I appreciate you removing my name from the original statement. However, I noticed that my name has still been added to a different article, which contradicts that action. While the case may be searchable with minimal results, it is important to note that Mr. Callier is a serial litigant who voluntarily opted into our website with clear evidence of consent.
This is precisely why we have requested sites to start removing our name, as we are in the process of filing a motion for dismissal and a countersuit for defamation and abusive process. Additionally, our company operates outside of Texas with no business activity or contacts in the state. Given these circumstances, we would like to handle this matter professionally and legally to ensure our company’s name and reputation remain intact.
Furthermore, the notion of a class action implies multiple complaints, which is not applicable in our case, as we operate in full compliance with TCPA and DNC regulations. As an executive, I do not engage in direct phone calls; my role is focused on strategic, revenue-driven work, while our independent contractors handle other aspects of operations.
It is evident that Mr. Callier has targeted multiple businesses in my industry, using legal threats and settlements as a means of financial gain. A simple search of his name reveals a history of such actions, whereas our company has a track record of positive reviews and no legitimate complaints. Given this, I request that you refrain from associating my name or business with unverified claims until matters are legally finalized.
Publisher Response
As you acknowledged, your name appears in connection with an ongoing lawsuit, which qualifies as a matter of public concern. Under Section 230 of the Communications Decency Act, online platforms are generally not held liable for publishing legally obtained public records or third-party content. Additionally, Massachusetts’ Anti-SLAPP (Strategic Lawsuit Against Public Participation) protections are designed to prevent legal claims that attempt to suppress lawful speech, particularly in matters of public interest such as legal proceedings.
Furthermore, Massachusetts General Laws, Chapter 214, Section 1B, which protects individuals’ rights to privacy, does not extend to prevent the accurate publication of names or facts that are part of publicly accessible legal records. Courts have consistently upheld that reporting on public legal matters does not constitute a violation of privacy laws or unauthorized commercial use of a name.
For the record, your name has not been added to any additional article. There is only this one at the time of responding.
The original post stated:
This is a legal complaint, meaning the allegations are claims made by the plaintiff. The case may result in a dismissal, settlement, or court ruling, and no liability is determined at this stage.
Steve’s Personal Response
Jonathan (Dude),
Look, I totally get why you’re frustrated. Seeing your name tied to a lawsuit—especially one you believe is bogus—feels like a punch to the gut. Been there. More than once. And it sucks.
But let’s clear the air: there’s no vendetta here. I don’t have anything against you, your company, or the debt relief industry. If I did, I wouldn’t have spent the last 30 years trying to help people navigate this space—including the companies that genuinely want to do things the right way.
I got my start in this industry back in 1994 by founding my own debt relief company. That means I’ve been in the trenches—dealing with legal and regulatory challenges as well.
I’ve had regulators give me hell for no good reason after being targeted by a competitor and dealt with lawsuits that had more to do with leverage than legitimacy. It’s an industry where you can be fully compliant one day and hit with a legal headache the next. Welcome to the big league.
In the past decade I’ve also seen firsthand how TCPA complaints can be weaponized—one minute, someone opts in, the next, they’re threatening a lawsuit. Telephone and text communications are, well, problematic. And independent contractors? They can be a blessing or a lawsuit waiting to happen and drag the company in regardless. That’s the reality of this business, whether it’s fair or not.
Now, as for the article—you’re in the public record from the court. Your name or company name was not searched for. It popped up in the public feed of NOS 480 suits.
That’s not a personal attack, it’s just transparency. But here’s the good news: that same transparency works for you too. When the case gets resolved, you’re more than welcome to provide updates. When you get it tossed out, I’ll post that, too. Just let me know when you have an update. Fair is fair.
If you want to post something about how you think Mr. Callier is operating, I’ll add it. You can say what you want so people can hear your side.
And honestly, you have a chance to turn this into a win. Did you read my piece How to Handle a Consumer Complaint Like a Pro?
Right now, anyone searching your name on multiple websites will see the lawsuit. But when you get this resolved, I can update the story to show how you handled it like a pro. That’s the kind of thing that builds long-term trust—not just with customers but with regulators and partners, and brushes back other legal challenges, too.
So, let’s do this the right way. Keep me posted, and when this case is dismissed, I’ll make sure the full story gets told. That way, anyone looking you up in the future sees not just a lawsuit—but proof that you’re running a company that stands by its integrity and resolves any issue thrown your way.
Sound good?
Steve
March 11, 2025 – Submitted Statement by Jonathan Delorme-kelley
“I am demanding the immediate removal of my full name, Jonathan Delorme-kelley, from your website, getoutofdebt.org. While I am aware my name may be involved in a lawsuit, that fact does not diminish my right to control the use of my personal information. Under Massachusetts General Laws, Chapter 214, Section 1B, I am entitled to privacy and to control the use of my name, even if it is associated with a legal matter. The unauthorized use of my name on your website constitutes a violation of my privacy rights. Which prohibits the unauthorized use of an individual’s name or likeness for commercial purposes. Your continued publication of my name on your website constitutes such a violation, and I am hereby requesting its immediate removal.
Should my name not be removed within reasonable timeframe, e.g., 3 business days, I will pursue all available legal remedies under Massachusetts law, including seeking damages for the unauthorized use of my name and any harm caused by this violation.
This is a final demand for the immediate removal of my name. I expect prompt confirmation of its removal within the stated timeframe. Thank you, your assistance is greatly appreciated.”
Publisher Response
As a publisher, publishing public court records is a matter of legitimate public concern. Anyone can access such information through Pacer, Bloomberg Law, Thomson Reuters Court Express, Court Listener, National Archives, Lexis/Nexus, and other outlets like this one.
Upon receiving his request, out of courtesy, I have removed his name from the original post summarizing the court case filed and he is always welcome to submit any future statement on the status or updates of the case to update readers if he wants using the same form.
It is curious that if his concern is that his name was used, there are plenty of Google results for it.
Original Post
Case Information:
- Court: U.S. District Court, Western District of Texas (El Paso Division)
- Plaintiff: Brandon Callier (individually and on behalf of all others similarly situated)
- Defendants: CreditXip, LLC, [Redacted], and “Justin Doe”
- Case No.: 3:25-CV-65
- Filing Date: February 27, 2025
- Relief Sought: Statutory damages, injunctive relief
Allegations at a Glance:
Plaintiff alleges that CreditXip, LLC and its executives engaged in illegal telemarketing practices by placing unsolicited phone calls and using prerecorded messages in violation of the Telephone Consumer Protection Act (TCPA) and the Texas Business and Commerce Code (TBCC).
Key Allegations:
- Unsolicited robocalls made to Plaintiff’s personal phone number.
- Calls used prerecorded messages without prior express written consent.
- Spoofed caller ID numbers to appear as local Texas numbers.
- Repeated calls to numbers on the National Do Not Call (DNC) Registry.
- Failure to maintain an internal Do Not Call policy and continued calls despite opt-out requests.
- Personal involvement of executives, including direct calls and emails from the CEO and President.
- Harassing messages from company representatives, including insults and refusals to provide DNC policies.
Legal Claims:
✅ TCPA Violations: Unauthorized use of prerecorded messages and robocalls.
✅ DNC Registry Violations: Calling individuals registered on the National Do Not Call list.
✅ Texas Business & Commerce Code Violations: Operating without a required state registration.
✅ Failure to Maintain Internal DNC List: Ignoring consumer opt-out requests.
Relief Sought:
💰 $500 per call for unintentional TCPA violations, $1,500 per call for willful violations.
💰 $5,000 per violation of Texas Business and Commerce Code § 302.101.
⚖️ Injunctive relief to stop all unlawful telemarketing calls.
💼 Attorney’s fees and legal costs.
The Bottom Line:
This lawsuit targets CreditXip’s telemarketing practices, alleging illegal robocalls, caller ID spoofing, and DNC violations. Consumers who received similar calls may be eligible to join the class action.
Legal Disclaimer:
This is a legal complaint, meaning the allegations are claims made by the plaintiff. The case may result in a dismissal, settlement, or court ruling, and no liability is determined at this stage.
