Rate and Review

Ram Financial – Scam, Complaint, Review, or Praise?

Please share your experience with this debt relief company and provide your review and feedback, in the comments section below.

The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are some potential questions you might be able to provide feedback about.

  • How did you feel about the customer service experience you received?
  • Was the company easy to communicate with before or after you became a client?
  • Did the company respond to your communications promptly?
  • What were the fees charged for the services you received?
  • Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
  • Was the program successful for you and accomplish the goals you had when you entered the program?
  • Did you have a really good experience you can share?
  • Did you have a bad experience you want to share?
  • Is there any other information you’d like people to know that might be considering the services of this company?

It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. But everyone does deserve to have an opportunity to express their opinion, even the debt relief company itself, be it good, bad, or indifferent.


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READ  I Can't Get in Touch With Ram Financial. - Melissa

About the author

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.


  • you’re right randy. i’m a client and ram financial was recently acquired by ads – here’s the email i received from them last week:

    Dear RON

    Welcome to the American Debt Control family!

    American Debt Control is now servicing all of the clients of RAM Financial Services. We anticipate a brighter future from a synergy of great ideas! Here at American Debt Control settling your debt with Excellence in service is our PASSION! With almost 4000 clients in our family and 75 – 100 settlements completed on a weekly basis, we strive to and maintain individualized customer service for each and every member.

    We have the same concerns as our clients, to make this transition is as smooth as possible.

    We know you may have questions and you will find answers with our friendly Customer Care Representatives at 866-726-2122. You can continue to fax all correspondence to 877-404-7172. If faxing is not a possibility you are more than welcome to scan in and email your correspondence as well.

    You may also mail copies of your correspondence to:

    2140 Hall Johnson RD
    Suite 102, #350
    Grapevine TX 76051

    We do request that you either call or email us with an update of your savings amount that is readily available for settlement. We will request this information once a month via telephone and/or email along with any recent correspondence.

    We look forward to hearing from each and every one of you!

    American Debt Control
    Grapevine, Texas

  • Well, we’ve been enrolled with Ram since April of 2009. They settled two accounts favorably, but three of the accounts I placed with them sued, and I had to hire an attorney.

    One of my creditors called me today, however, saying they’ve been unable to contact Ram for two weeks. I tried, too, and got voicemail, which is unusual. Then I emailed everyone at Ram I know and have received no reply, which is also unusual. Finally, I tried to visit their website: http://www.calltheram.com, and it’s gone. I’m thinking Ram might be, too. Might have been nice of them to let me know they were going under before they debited the funds I had saved to make pay-off’s with out of the special account they required.

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