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I Am With Lifeguard Financial And Now Being Sued. – Jami

“Dear Steve,

I have made a Huge mistake and don’t know how to get out of it!

I racked up some debt in college, and could make payments until all the credit card companies jacked my interest rate to 29.99%. I then had a baby three months early and was unable to work and have even more debt form his 3 month hospital stay.

I signed up with Lifeguard Financial, which was sold. Now I am being sued by one of the companies for 5,000, and I have been paying noteworld 375.00 per month for over a year. They claimed I would be out of debt in 18 months.

They have settled one account out of five. After researching I really don’t know what they are doing with my money. I am willing to settle with the cards I just want out of this contract. They are not helping me at all. The summons says I am being sued and I have 21 days to respond. What should I do!!!

Jami in Michigan”

Dear Jami,

I’m not sure who is servicing your account now. It might be Expert Settlement Group, Safetrust Financial, Vital Financial Software, or one of the other related companies.

You need to take a summons seriously. A lawsuit can lead to a judgment and then to wage garnishment.

At this point you probably need to do two things.

  1. Follow my process to get out of the program and get a refund.
  2. Click here to find a local bankruptcy attorney and talk to them about how bankruptcy can protect you from being sued and eliminate your debt quickly in most cases.

Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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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.

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