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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
1-866-726-2122
http://www.americandebtcontrol.com
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.
As stated above, Ram clients are now serviced by http://www.americandebtcontrol.com as of last Friday.
RAM Financial Services went OUT OF BUSINESS without notifying clients!!! Great work ethics……
Can anyone out there shed any light on the RAM situation, if this is true comment posted by Jane angust 3. Any further information know, they owe me $500!!
Yes, just found out that the clients of RAM, and several other debt settlement companies, are now being serviced by http://www.americandebtcontrol.com as of last Friday. 866-840-0401.
Here’s a great article by Gerri Detweiler on the BBB and Debt Settlement companies not receiving a fair review.
http://www.credit.com/news/experts/2009-03-12/settlement-companies-protest-better-business-bureau-rating-system.html
The main point of the article is the lack of transparency by the debt settlement industry, something I’ve called for as well.
I can tell you that I went the settlement route and it worked out great for me. As far as RAM Financial I know nothing about except that they have 1 complaint on their website which was resolved. From what I hear though the head of the BBB is tied into CCC and has given or about to give all debt settlement companies F Ratings. Steve: Is any of this true and if it is true does that make the BBB biased and should us as consumers even give them the time of day?
The reason the BBB gives most debt settlement companies is because the industry as a whole has a massive number of complaints. I have seen a few debt settlement companies with A and B ratings.
Steve
I used RAM financial in the past and had nothing but problems. They currently hold a D- rating with the BBB and do have complaints filed against them. I paid almost $12,000 and am now still receiving calls from the creditors stating that they were never paid. After months of contacting RAM they finally sent me “supposed” letters from the creditors, some of which were hand written on a piece of white paper. Professional? No! I have received letters from the credit bureaus stating that I was committing fraud with how my accounts were being handled. In my opinion I would stay away from RAM. You are better off contacting the creditors yourself and offering them a settlement, in the long run it will be much cheaper and you can save all the headaches.
you have been very helpful and made my life a little less stressful. thank you.
This is my first time I’ve ever had to use any service like this so I really didn’t know what to expect. I did my research and found that EVERY debt settlement service I checked into had a bad reputation with the BBB or had changed their name or had been sued in a class action. That is until I found RAM. It was by word of mouth in a forum, not an elaborate over-payed ad of some sort. They had ZERO complaints with the BBB. I have been with them for 5 months now and so far so good. They have taken care of every creditor that calls me (they keep changing collection companies) and have been there every time I needed someone to tell me “It’s OK”. Having an unpaid debt is an embarassing thing to start with but they make it easy to talk about and take all the time that YOU need to get you through those questions and concerns. I have no complaints thus far and I am confident that if anyone can get this settled for me it is them. Just call and talk to someone and you will tell the difference immediately. It’s kind of like talking to your personal bank or someone you’ve been doing business with for years. Good folks in my opinion. Thank you Holly and Sierra, you ROCK!!!