Rate and Review

Noteworld – 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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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.


  • In 2010 I lost my job and needed to find a way to pay off my debts without filing for bankruptcy. I didn’t call Noteworld/ESP/DAANS Module (or whatever other name they’re using) but they called me. The salesman (who later left the company) sold me on the advantages so I signed up, thinking this was the solution to my problems. Worse decision ever. Noteworld si a debt settlement company, which means they take your money & ask you to write a “cease & desist” letter to all of your creditors. The money they take goes into an account that they hold until you’ve accumulated enough funds to start settling debts. How lone does this take? I have no idea but your credit gets destroyed, your debts gets sold and you get calls from new creditors who are willing to work with you, but, your money is held up by Noteworld. After about 4 months, I found out that the money that gets settled, must be reported as income on your taxes. I got out with only about 1/2 my money and signed up with a consolidator. The collections agencies who would not work with the consolidator worked to get funds from my check as I got a job at that point. It took 5 yrs but I finally paid off those debts and got my credit on the right track again. I’m still recovering from the Noteworld experience and trying to rebuild my credit so I can increase my score.

  • Noteword (now doing business as Mericord is HIGHLY DISHONEST.  They play games, holding onto received checks for up to 10 days before depositing them and then charging late fees.  Their options to pay – direct deposit (only free option) which gives them direct access to your bank account.  Pay by check ($2, plus almost guaranteed $60 late fee), or pay online ($15-20 by check) and can still generate a late fee even when paid on time.  This is a HORRIBLE COMPANY that I am hostage to because of a private loan.

    • i have paid my account off over a year now. went to apply for a loan .they told me i sell owe money to the people noteworld was suppose to pay off.what to do

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