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I Was Researching Cyrus Global and Have Some Questions. – Debra

“Dear Steve,

I found your website when I was researching cyrus global .I was going to sign up with them but after reading what you posted I dcided against it so thanks for the information.

So my question is I am carring around alot of debt roughly
7,000 in student loans
10,000 in a car loan
5,000 on a regualr loan
7,000 in credit car loan

its alot I make 48,000 a year which Im basically living paycheck to paychech with all the bills and payments I am making.And I can’t save any money.

I tried a debt relief program in the past and I was sending them money and they wre making paymnets on my behalf they were good for about 6 months then they started making late payments to the creditors so I quit them.

So what Im asking is what should I do?

Debra”

The Answer

Dear Debra,

Well it might have been a really good thing you found me. Based on the mix of your debt I’m not sure how a debt settlement program, which what Cyrus Global was selling last I looked, is the best solution for you.

The student loans can’t be included in a debt settlement program, nor the car loan if you want to keep the car. The “regular loan” might not be able to be included either if it is secured by collateral or has a co-signer.

Get Out of Debt Free Hotline

That potentially leaves you with only the credit card debt and if you can afford about $140 a month you should be able to include that in a debt management program. You can click here for credit counseling information.

A nationally recognized credit counseling program should never make payments late. Who were you with before?

With all that being said I am concerned you are just making it month-to-month. All it will take is one unexpected expense and your plan will be scuppered. You need a plan that will allow you to save as well as deal with the debt.

If this is the time for you to really deal with your debt you might consider the following plan.

  1. If your student loans are government backed you could look at the Income Based Repayment Program (IBR) to lower your student loan payments.
  2. If you can live without your car you could hand it back to the lender.
  3. If you hand the car back and want to avoid the resulting debt from that you could include the big bill to come in a bankruptcy to discharge your remaining debt.

If this approach sounds more like what would fit your situation better then I would suggest you click here to find a local bankruptcy attorney and go discuss your situation with them.

And if you decided to file bankruptcy, as so many others are, it would leave you in a position to begin savings very quickly.

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.

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About Steve Rhode

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.
  • Steve Rhode

    Let’s just look at the executive board of TASC to see how many are attorney firms debt settlement companies:

    Square One Debt Settlement: No
    Century Negotiations: No
    American Debt Exchange: No
    Freedom Debt Relief: No
    DMB Financial: No

    So let’s go to the TASC board at large:
    Debt Regret: No
    New Era Debt Solutions: No
    Professional Debt Consultants: No

    How About the Largest debt settlement company:
    Credit Solutions of America: No

    By the way, I could not help but notice that you skipped answering my questions again. Do you have something to hide?

    Steve

  • Gabriel

    Folks call any debt settlement place & ask if they work w/ a law firm. Most will say yes period.

  • Steve Rhode

    Gabriel,

    James, the owner of Cyrus Global said you use FBL Associates as the legal support for your program. See his comment here.

    My question to you was they appear to have gone out of business and who are you using now then? Seems simple and straightforward for you to answer.

    Now you are claiming I have family members responding to you are well? That’s simply not true. Another falsehood.

    And while we are talking about untrue statements let me correct you. You said, ” For people reading this all companies in this industry uses a law firm to settle debts.” The truth is most debt settlement firms do not use a law firm to settle debts. There is no need to use a law firm.

    Why is it that you can’t see that your inability to answer questions and provide the proof that you’ve offered to provide only makes the Cyrus Global program look suspect.

    I’m curious, are you just a salesperson for this company? Does James know you are posting this stuff here?

    Steve

  • Gabriel

    More attempts to confuse the consumer. For people reading this all companies in this industry uses a law firm to settle debts. They know that you do not know that reader so they make it seem like we are making claims that our company must be a scam. Steve light bulb & confused are your people. Pathetic folks that he has to get possibly family members to come on here & make it seem seem like they are independant people writing comments. I mean look at the comments made dont they seem to take my comments about steve a little personal? Again call us we can provide proof that our program works no matter what they say. End of discussion!

  • Confused

    Why would Gabriel, James and Cyrus Global need to use FBL Associates for client legal support if they are purchasing their clients debt?

  • Light Bulb

    Hi Gabe,
    My choice in vernacular was prompted by reading your post. That aside, I completely agree with your response.

    Anyone thinking of using your service should ask for the strictest of proof from you that cyrus global purchases their clients debt. That proof should then be taken to independent legal counsel in order to test the veracity of the documentation.

    There should be no exception to this requirement being met prior to working with you.

    If, in the near future, and for some inexplicable reason, cyrus global stops claiming that they purchase their clients debt, and we have passed the calendar date of 9/27/10, and cyrus global makes claims of what they can save a consumer through settlement, or claims how many people complete their program, get it in writing (they seem to be ready to provide documentation of any and all nature).

    Once you have it in writing or take copious notes of claims during any telephone call, cross reference the claims with the requirements in the new TSR rules, maybe even post them here, perhaps we can shine some light on them.

  • Steve Rhode

    Gabriel,

    If you are so willing to prove you are not a scam and to be trusted, why can’t you just answer my simple questions? You keep ignoring them but you say “I will provide documentation to anyone who actually wants to see it to use our service.” OK so provide it.

    You say you can provide documentation, so do it.

    If you are confused by terms like FTC TSR or good faith disclosures, you really have no business being in debt settlement. If you are not aware of the FTC TSR (“Federal Trade Commission Telemarketing Sales Rules”) that are going into effect, you might want to read this.

    Here is the link to the good faith disclosures you must provide starting September 27, 2010.

    By the way, James from Cyrus Global, said you were using FBL Associates for your client legal support. Since it looks like they’ve gone bust, who are you using now?

    Steve

  • Gabriel

    Light Bulb,

    Your use or rather misuse of words instead using “dat” & “biness” really shows an immature nature. It looks like I touched a nerve maybe? I will provide documentation to anyone who actually wants to see it to use our service. All they have to do is look us up period. No matter what you claim on here guys I can prove it. Your just using a smoke & mirrors to try to get around that fact. I think I am done you cannot contest what I can clearly show anybody who ask. For people reading this you can just trust this guy because he was on t.v. a couple of times but guess what. So was Bernie Maddoff. Steve is using a lot of technical sounding words etc. to make it sound like he makes sense when in fact after reading his blogs it is really one big promotion tool period. His blog is full of info like who owns our company & providing a lot of links so it looks like he has done so much research he must be right? Not really so what he provides a link a or two showing an owner what does that mean? Get it? It just looks like he on top of everything really just providing you basic info that in no way proves we are a scam. Again I have the documentation regardless of how much steve & light bulb cluck & chick. His “free” books are very basic information a lot of it just common sense. Again I can document which negates any claims he makes & you can call us at Cyrus Global & find out for yourself. Have a nice day.

  • Light Bulb

    Gabby,
    In your post above you said always go with the guy who provides documented evidence of his claim. In that same post you claim that cyrus buys its clients debt.

    Document the claim that cyrus buys even one clients debt. That should not be to hard, right?
    I am not talking 800 here, just one.

    If you cannot do that, at this point, and with all of your claims and bluster, the only thing a reader of this post can logically surmise is that you made a false claim and would therefore not be trustworthy enough to take the garbage to the curb.

    If the claims of cyrus global buying clients debt are false than regulators do not even need to wait for the TSR effective dates to visit their particular reign of fury upon you. If the claim of cyrus buying clients debts cannot be substantiated after the effective dates of the TSR, but are still fronted to consumers as your business model, you are on the hook for 16k per occurrence.

    Gabster – if you are just someone who sells this stuff and represents it in the way cyrus tells you it works, but you do not know it for fact with your own eyes – you could be deemed as providing substantial support to a company violating the TSR and be on the hook for 16k a piece too.

    Do the math and then do the right thing, okay there toots?

  • Steve Rhode

    Gabriel,

    Forced out, nope. If I was forced out, why did I return as president after my sabbatical? Besides, I took my sabbatical a full year and some after the California thing. You are slinging mud, not checking facts. Read the links. What you are spreading is an outright lie and the reason you can’t provide proof I was forced out is because it is not true.

    Regarding revenue, you might want to follow that ad link I posted in my last comment to you. The details about how this site earns revenue is all spelled out there. I take it you didn’t bother to read all that information. There is even a link under the ads that people can click for more information.

    If anyone wants photos of your building all they have to do is ask you for it. I don’t see anyone asking here and nobody asked on the other post about your either. See this post.

    “Just using catch phrases”, LOL. Are you kidding me or even aware of the FTC TSR that now regulates your industry?

    Again, more misdirection. Please answer my two questions, or can you? Hum.

    Here is one more, do you even know what FTC TSR is?

    Steve

  • Steve Rhode

    BTW, The Gabriel comment I removed was a duplicate to the one he posted below.

  • Steve Rhode

    I moved my response to Gabriel to his duplicate comment below.

  • Gabriel

    Bottom line I can show you settlement letters w/ major banks period no matter how much you cluck & chick & say otherwise. Do we really just forge big name banks & they are just letting it slide. No matter what you claim I can provide proof you are just using catch phrases etc. Oh steve are you really telling me that you do not make any money on those debt settlement links on your own blog? Again folks do you buy that like his explanation on why he “stepped down” & had wifey run things so he could ‘spend time w/ his daughter” No steve you were forced out by the State of California nice try. Anyone who wants photos of our building can contact us we will provide it. The google satellite. photo is not up to date we will send you a live video if you want of the outside & inside of the building. Steve checkmate.

  • Gabriel

    Bottom line I can show you settlement letters w/ major banks period no matter how much you cluck & chick & say otherwise. Do we really just forge big name banks & they are just letting it slide. No matter what you claim I can provide proof you are just using catch phrases etc. Oh steve are you really telling me that you do not make any money on those debt settlement links on your own blog? Again folks do you buy that like his explanation on why he “stepped down” & had wifey run things so he could ‘spend time w/ his daughter” No steve you were forced out by the State of California nice try. Anyone who wants photos of our building can contact us we will provide it. The google satellite. photo is not up to date we will send you a live video if you want of the outside & inside of the building. Steve checkmate.

  • Steve Rhode

    Debra,

    Sigh, more untruths from Cyrus Global I’m afraid. On the issues Gabriel raised about Myvesta I think he just didn’t want to share that I debunked those lies long ago. You can read this for the real story all that load of manure Cyrus Global is spreading around. In fact it is the same pack of lies they tried to spread much earlier and I pointed them to the truth back then. And regarding the California thing, read this.

    If you want to see what their building now looks like, do what I did, search the address in Google maps and look at the street view.

    If you are in default on student loans and they are government loans contact your servicer or Department of Education. You don’t need to pay anyone to help you rehabilitate your loans if you can afford either the Income Based Repayment Plan or another government backed alternative.

    Regarding the ads on the site, don’t click on them, all anyone has to do is read the site terms and all the info on ads and relationships is spelled out there. I don’t control which ads appear and I have no relationship with the advertisers. You know what I find interesting is that the salesperson from Cyrus has either not bothered to read the information about ads or has not looked at them. On my screen right now there is not a single debt settlement ad. I see three from bankruptcy lawyers, two from credit counseling, one for credit report and one for something called Tradetang? There are no ads for debt settlement. If he sees different ads and doesn’t understand why he is seeing those then he has not read the detailed information about the ads.

    Filing bankruptcy is not a big mistake if it is the correct solution for unmanageable debt. In fact it is the only legal solution that defends you from being sued and further collections. Debt settlement does not. And the only way you will know if bankruptcy is right for you is if you find a local bankruptcy attorney and go talk to them.

    By the way Cyrus Global, you have never provided proof you actually have a hedge fund buying debts nor have you substantiated your claims you are doing so with letting us know who the buyer is. I have found no evidence that debt is actually being purchased. Please provide details. Debra, you might want to read Do Debt Settlement Company Relationships With Hedge Funds Create a Fiduciary Problem for the Consumer?.

    While you are here, what is the Cyrus Global plan post Sept 27 and Oct 27 for complying with the FTC TSR. After Oct it will be illegal to charge for debt settlement services in advance of actually settling the debt. What does your new program look like that complies? Have you already prepared your Sept good faith documents due for consumers?

    Debra, don’t fall for the “look at examples of out settlements” bull. Gabriel provides you with no context to make an informed decision about settlement offer letters. That’s out of a pool of how many accounts? Is it aggregated data or just from Cyrus? Who actually did the settlements? What percentage of all accounts does 800 represent? How many Cyrus Global customer accounts never settled?

    In fact statements like “look at our 800 letters” will be illegal unless it is put into context after Sept 27, 2010. Want to learn more about the documentation they will have to provide to you to actually evaluate their service? Read The Debt Settlement Good Faith Estimate Guide for the Confused Consumer.

    Debra, don’t let a sales person that seems to be calling you stupid and gullible (as he says “Sorry that you fell for it debra”), try to convert you into a solution that is not right for you, especially when it is based on lies and mud slinging. Do your own homework and you will find that everything I have told you is upfront, honest and truthful. Check us both out and then you decide who has told you the truth.

    And one more observation, I actually answer questions, they don’t. What’s that tell you? Their tactic seems to be misdirection instead of answering questions.

    So Cyrus Global. How about just answering the following two points I raised? I answered all the stuff you brought up.

    1. Who exactly is the investor and hedge fund that is buying this alleged debt. Give me their name and I’ll check it out and report back.

    2. What is your game plan to comply with the new FTC TSR? Do you have a link for your good faith documents online yet?

    Steve

  • Light Bulb

    Hi Gabriel,

    I like your style buddy. Blunt and to the point. A little edgy, but hey….
    The best part of your post is that you know the value in documenting results. You are willing to step up and provide 800 examples in 8 months. Formidable!

    Do me a favor, will ya bud. Step up to the plate and produce documentation where you buy your customers debts. Show some examples of that please. Do that, and you da man (woman?).

    Put up or shut up.

    Here’s the deal their toots. You do that for me, right here, right now… I will send you more biness den you culd hanle. You got dat tuff britches?

    Show me da goods!

  • Gabriel

    Debra,
    You may have talking to me at Cyrus global.I am sorry we could not earn your business however I noticed that you really must not have read throughly through Steve’s critical article about us. If you did you have seen that Steve’s reputation was in question in regards to his business practices w/ a company called Myvesta. You see Debra the State of California shut him down so what did he do? He had wifey run the company instead. That is who you are listening & taking advice from. He really just posted whatever & you bought it w/ out checking it out. Hey Steve our building does not look like that my friend & you know it again debra if you read through the entire blog our owner James spells this out. Also in regards to his advice to file BK I laughed at that one because soon we will be able to offer a solution for student loans as well (if you are in default) to get you back on track w/ that as well. Sorry that you fell for it debra however if you take the time to look at the top of steve’s blog you will notice links to other debt settlement companies that he gets paid for when you click on them. I would think about that as well especially since they can not do what we do in regards to debt settlement. Oh by the way did you look at the over 800 examples of settlement offers done in the past 8 months on the link I sent you? I would always go w/ the guy that actually provides DOCUMENTED evidence of his claims not a guy just blogging & is promoting an inferior product on his blog. Filing a BK is a big mistake which you will pay for later. I would have went w/ our program if I were in your shoes. You are about to destroy your credit for years on Steve’s advice when our program would actually buy the debt. It’s a no brainer. Just a thought.

    Gabriel

  • Gabriel

    Debra,
    You may have talking to me at Cyrus global.I am sorry we could not earn your business however I noticed that you really must not have read throughly through Steve’s critical article about us. If you did you have seen that Steve’s reputation was in question in regards to his business practices w/ a company called Myvesta. You see Debra the State of California shut him down so what did he do? He had wifey run the company instead. That is who you are listening & taking advice from. He really just posted whatever & you bought it w/ out checking it out. Hey Steve our building does not look like that my friend & you know it again debra if you read through the entire blog our owner James spells this out. Also in regards to his advice to file BK I laughed at that one because soon we will be able to offer a solution for student loans as well (if you are in default) to get you back on track w/ that as well. Sorry that you fell for it debra however if you take the time to look at the top of steve’s blog you will notice links to other debt settlement companies that he gets paid for when you click on them. I would think about that as well especially since they can not do what we do in regards to debt settlement. Oh by the way did you look at the over 800 examples of settlement offers done in the past 8 months on the link I sent you? I would always go w/ the guy that actually provides DOCUMENTED evidence of his claims not a guy just blogging & is promoting an inferior product on his blog. Filing a BK is a big mistake which you will pay for later. I would have went w/ our program if I were in your shoes. You are about to destroy your credit for years on Steve’s advice when our program would actually buy the debt. It’s a no brainer. Just a thought.

    Gabriel

    • Light Bulb

      Hi Gabriel,

      I like your style buddy. Blunt and to the point. A little edgy, but hey….
      The best part of your post is that you know the value in documenting results. You are willing to step up and provide 800 examples in 8 months. Formidable!

      Do me a favor, will ya bud. Step up to the plate and produce documentation where you buy your customers debts. Show some examples of that please. Do that, and you da man (woman?).

      Put up or shut up.

      Here’s the deal their toots. You do that for me, right here, right now… I will send you more biness den you culd hanle. You got dat tuff britches?

      Show me da goods!

      • Gabriel

        Bottom line I can show you settlement letters w/ major banks period no matter how much you cluck & chick & say otherwise. Do we really just forge big name banks & they are just letting it slide. No matter what you claim I can provide proof you are just using catch phrases etc. Oh steve are you really telling me that you do not make any money on those debt settlement links on your own blog? Again folks do you buy that like his explanation on why he “stepped down” & had wifey run things so he could ‘spend time w/ his daughter” No steve you were forced out by the State of California nice try. Anyone who wants photos of our building can contact us we will provide it. The google satellite. photo is not up to date we will send you a live video if you want of the outside & inside of the building. Steve checkmate.

      • http://GetOutOfDebt.org Steve Rhode

        Gabriel,

        Forced out, nope. If I was forced out, why did I return as president after my sabbatical? Besides, I took my sabbatical a full year and some after the California thing. You are slinging mud, not checking facts. Read the links. What you are spreading is an outright lie and the reason you can’t provide proof I was forced out is because it is not true.

        Regarding revenue, you might want to follow that ad link I posted in my last comment to you. The details about how this site earns revenue is all spelled out there. I take it you didn’t bother to read all that information. There is even a link under the ads that people can click for more information.

        If anyone wants photos of your building all they have to do is ask you for it. I don’t see anyone asking here and nobody asked on the other post about your either. See this post.

        “Just using catch phrases”, LOL. Are you kidding me or even aware of the FTC TSR that now regulates your industry?

        Again, more misdirection. Please answer my two questions, or can you? Hum.

        Here is one more, do you even know what FTC TSR is?

        Steve

      • Light Bulb

        Gabby,
        In your post above you said always go with the guy who provides documented evidence of his claim. In that same post you claim that cyrus buys its clients debt.

        Document the claim that cyrus buys even one clients debt. That should not be to hard, right?
        I am not talking 800 here, just one.

        If you cannot do that, at this point, and with all of your claims and bluster, the only thing a reader of this post can logically surmise is that you made a false claim and would therefore not be trustworthy enough to take the garbage to the curb.

        If the claims of cyrus global buying clients debt are false than regulators do not even need to wait for the TSR effective dates to visit their particular reign of fury upon you. If the claim of cyrus buying clients debts cannot be substantiated after the effective dates of the TSR, but are still fronted to consumers as your business model, you are on the hook for 16k per occurrence.

        Gabster – if you are just someone who sells this stuff and represents it in the way cyrus tells you it works, but you do not know it for fact with your own eyes – you could be deemed as providing substantial support to a company violating the TSR and be on the hook for 16k a piece too.

        Do the math and then do the right thing, okay there toots?

      • Gabriel

        Light Bulb,

        Your use or rather misuse of words instead using “dat” & “biness” really shows an immature nature. It looks like I touched a nerve maybe? I will provide documentation to anyone who actually wants to see it to use our service. All they have to do is look us up period. No matter what you claim on here guys I can prove it. Your just using a smoke & mirrors to try to get around that fact. I think I am done you cannot contest what I can clearly show anybody who ask. For people reading this you can just trust this guy because he was on t.v. a couple of times but guess what. So was Bernie Maddoff. Steve is using a lot of technical sounding words etc. to make it sound like he makes sense when in fact after reading his blogs it is really one big promotion tool period. His blog is full of info like who owns our company & providing a lot of links so it looks like he has done so much research he must be right? Not really so what he provides a link a or two showing an owner what does that mean? Get it? It just looks like he on top of everything really just providing you basic info that in no way proves we are a scam. Again I have the documentation regardless of how much steve & light bulb cluck & chick. His “free” books are very basic information a lot of it just common sense. Again I can document which negates any claims he makes & you can call us at Cyrus Global & find out for yourself. Have a nice day.

      • http://GetOutOfDebt.org Steve Rhode

        Gabriel,

        If you are so willing to prove you are not a scam and to be trusted, why can’t you just answer my simple questions? You keep ignoring them but you say “I will provide documentation to anyone who actually wants to see it to use our service.” OK so provide it.

        You say you can provide documentation, so do it.

        If you are confused by terms like FTC TSR or good faith disclosures, you really have no business being in debt settlement. If you are not aware of the FTC TSR (“Federal Trade Commission Telemarketing Sales Rules”) that are going into effect, you might want to read this.

        Here is the link to the good faith disclosures you must provide starting September 27, 2010.

        By the way, James from Cyrus Global, said you were using FBL Associates for your client legal support. Since it looks like they’ve gone bust, who are you using now?

        Steve

      • Confused

        Why would Gabriel, James and Cyrus Global need to use FBL Associates for client legal support if they are purchasing their clients debt?

      • Gabriel

        More attempts to confuse the consumer. For people reading this all companies in this industry uses a law firm to settle debts. They know that you do not know that reader so they make it seem like we are making claims that our company must be a scam. Steve light bulb & confused are your people. Pathetic folks that he has to get possibly family members to come on here & make it seem seem like they are independant people writing comments. I mean look at the comments made dont they seem to take my comments about steve a little personal? Again call us we can provide proof that our program works no matter what they say. End of discussion!

      • http://GetOutOfDebt.org Steve Rhode

        Gabriel,

        James, the owner of Cyrus Global said you use FBL Associates as the legal support for your program. See his comment here.

        My question to you was they appear to have gone out of business and who are you using now then? Seems simple and straightforward for you to answer.

        Now you are claiming I have family members responding to you are well? That’s simply not true. Another falsehood.

        And while we are talking about untrue statements let me correct you. You said, ” For people reading this all companies in this industry uses a law firm to settle debts.” The truth is most debt settlement firms do not use a law firm to settle debts. There is no need to use a law firm.

        Why is it that you can’t see that your inability to answer questions and provide the proof that you’ve offered to provide only makes the Cyrus Global program look suspect.

        I’m curious, are you just a salesperson for this company? Does James know you are posting this stuff here?

        Steve

      • Gabriel

        Folks call any debt settlement place & ask if they work w/ a law firm. Most will say yes period.

      • http://GetOutOfDebt.org Steve Rhode

        Let’s just look at the executive board of TASC to see how many are attorney firms debt settlement companies:

        Square One Debt Settlement: No
        Century Negotiations: No
        American Debt Exchange: No
        Freedom Debt Relief: No
        DMB Financial: No

        So let’s go to the TASC board at large:
        Debt Regret: No
        New Era Debt Solutions: No
        Professional Debt Consultants: No

        How About the Largest debt settlement company:
        Credit Solutions of America: No

        By the way, I could not help but notice that you skipped answering my questions again. Do you have something to hide?

        Steve

      • Light Bulb

        Hi Gabe,
        My choice in vernacular was prompted by reading your post. That aside, I completely agree with your response.

        Anyone thinking of using your service should ask for the strictest of proof from you that cyrus global purchases their clients debt. That proof should then be taken to independent legal counsel in order to test the veracity of the documentation.

        There should be no exception to this requirement being met prior to working with you.

        If, in the near future, and for some inexplicable reason, cyrus global stops claiming that they purchase their clients debt, and we have passed the calendar date of 9/27/10, and cyrus global makes claims of what they can save a consumer through settlement, or claims how many people complete their program, get it in writing (they seem to be ready to provide documentation of any and all nature).

        Once you have it in writing or take copious notes of claims during any telephone call, cross reference the claims with the requirements in the new TSR rules, maybe even post them here, perhaps we can shine some light on them.

      • Gabriel

        Bottom line I can show you settlement letters w/ major banks period no matter how much you cluck & chick & say otherwise. Do we really just forge big name banks & they are just letting it slide. No matter what you claim I can provide proof you are just using catch phrases etc. Oh steve are you really telling me that you do not make any money on those debt settlement links on your own blog? Again folks do you buy that like his explanation on why he “stepped down” & had wifey run things so he could ‘spend time w/ his daughter” No steve you were forced out by the State of California nice try. Anyone who wants photos of our building can contact us we will provide it. The google satellite. photo is not up to date we will send you a live video if you want of the outside & inside of the building. Steve checkmate.

      • http://GetOutOfDebt.org Steve Rhode

        I moved my response to Gabriel to his duplicate comment below.

      • http://GetOutOfDebt.org Steve Rhode

        BTW, The Gabriel comment I removed was a duplicate to the one he posted below.

    • http://GetOutOfDebt.org Steve Rhode

      Debra,Sigh, more untruths from Cyrus Global I’m afraid. On the issues Gabriel raised about Myvesta I think he just didn’t want to share that I debunked those lies long ago. You can read this for the real story all that load of manure Cyrus Global is spreading around. In fact it is the same pack of lies they tried to spread much earlier and I pointed them to the truth back then. And regarding the California thing, read this.If you want to see what their building now looks like, do what I did, search the address in Google maps and look at the street view.If you are in default on student loans and they are government loans contact your servicer or Department of Education. You don’t need to pay anyone to help you rehabilitate your loans if you can afford either the Income Based Repayment Plan or another government backed alternative.Regarding the ads on the site, don’t click on them, all anyone has to do is read the site terms and all the info on ads and relationships is spelled out there. I don’t control which ads appear and I have no relationship with the advertisers. You know what I find interesting is that the salesperson from Cyrus has either not bothered to read the information about ads or has not looked at them. On my screen right now there is not a single debt settlement ad. I see three from bankruptcy lawyers, two from credit counseling, one for credit report and one for something called Tradetang? There are no ads for debt settlement. If he sees different ads and doesn’t understand why he is seeing those then he has not read the detailed information about the ads.Filing bankruptcy is not a big mistake if it is the correct solution for unmanageable debt. In fact it is the only legal solution that defends you from being sued and further collections. Debt settlement does not. And the only way you will know if bankruptcy is right for you is if you find a local bankruptcy attorney and go talk to them.By the way Cyrus Global, you have never provided proof you actually have a hedge fund buying debts nor have you substantiated your claims you are doing so with letting us know who the buyer is. I have found no evidence that debt is actually being purchased. Please provide details. Debra, you might want to read Do Debt Settlement Company Relationships With Hedge Funds Create a Fiduciary Problem for the Consumer?.While you are here, what is the Cyrus Global plan post Sept 27 and Oct 27 for complying with the FTC TSR. After Oct it will be illegal to charge for debt settlement services in advance of actually settling the debt. What does your new program look like that complies? Have you already prepared your Sept good faith documents due for consumers?Debra, don’t fall for the “look at examples of out settlements” bull. Gabriel provides you with no context to make an informed decision about settlement offer letters. That’s out of a pool of how many accounts? Is it aggregated data or just from Cyrus? Who actually did the settlements? What percentage of all accounts does 800 represent? How many Cyrus Global customer accounts never settled? In fact statements like “look at our 800 letters” will be illegal unless it is put into context after Sept 27, 2010. Want to learn more about the documentation they will have to provide to you to actually evaluate their service? Read The Debt Settlement Good Faith Estimate Guide for the Confused Consumer.Debra, don’t let a sales person that seems to be calling you stupid and gullible (as he says “Sorry that you fell for it debra”), try to convert you into a solution that is not right for you, especially when it is based on lies and mud slinging. Do your own homework and you will find that everything I have told you is upfront, honest and truthful. Check us both out and then you decide who has told you the truth. And one more observation, I actually answer questions, they don’t. What’s that tell you? Their tactic seems to be misdirection instead of answering questions.So Cyrus Global. How about just answering the following two points I raised? I answered all the stuff you brought up.1. Who exactly is the investor and hedge fund that is buying this alleged debt. Give me their name and I’ll check it out and report back.2. What is your game plan to comply with the new FTC TSR? Do you have a link for your good faith documents online yet?Steve

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