Thanks to an awesome tipster (send in your tips here) I received the email and attachment below. By itself it’s nothing new but it was the non-disclosure agreement that caught my eye. The document says it was created by Gil Medeiros who I remembered writing about, here. (Additional information)
The tipster (send in your tips here) that sent this information in said, “While I dont agree with all of your views on the Debt Settlment Industry, I do agree the TSR is a great thing for consumers AND Debt Settlement Companies who are interested in helping . I am shocked at the amount of Companies/Legal Models who are simply ignoring the TSR. You will find one example below.”
It is interesting that NoteWorld came out and said they would not accept any more debt settlement companies that charge upfront fees and the email says this company uses Global Client Solutions.
The offer also comes from the same address and suite number of a credit repair company called Credit-Maxx. In fact the fax number listed is the same one used by Credit-Maxx. – Source
Even the author of the email is or has been linked to other companies.
Michael Tongkeamha
Certified Debt Specialist (International Assoociation of Professional Debt Arbitrators, IAPDA),
President of Grace Period Group, a full service debt settlement agency,
mtongkeamha@graceperiodgroup
[http://www.MyDebtConsultation.com] – SourceMichael Tongkeamha, CEO/Owner – Enhanced Direct LLC, Dallas Dental Marketing Agency, www.dentistindallastx.com, mtongkeamha@enhanceddirect.com – Source
For me, the most shocking statements made in the pitch were:
- Continue collecting fees up front
- NO VIOLATION OF TSR AND FTC REGULATIONS! GUARANTEED IN WRITING!
- Decrease cancellations by eliminating the face-to-face process
It seems like this company is eliminating the need for any face-to-face meeting and hanging their hat on some other perceived exemption. I’m curious what they feel they can use to skirt the regulations with?
For example, if you apply the test North Carolina came out with in their recent suit against Consumer Law Group, how would World Law Direct stack up?
“Despite the promises of legal representation, none of the defendants are licensed to practice law in North Carolina. On information and belief, defendants have occasionally referred a few of their North Carolina clients to a North Carolina attorney for purposes of bankruptcy representation or other assistance.
- The North Carolina referral attorney has his own independent North Carolina law firm;
- he has no attorney-cleint relationship with CLG’s customers;
- he does not handle any funds received by CLG from its North Carolina customers;
- he does not meet with, talk with, or have any other contact with any of CLG’s North Carolina customers, except on a very occasional basis;
- he does not negotiate with third party creditors on behalf of CLG’s North Carolina customer;
- and he is not otherwise involved with the operation of CLG’s debt settlement program.”
– Source
While the email says it is looking for affiliates for World Law Direct, the attached NDA is for World Law Processing, a company that has been out advertising for employees.
The NDA syas World Law Processing is located at World Law Processing, LLC, 2201 Donley Dr., Suite 250, Austin, TX 78758. That’s also the same address used by Clear Your Debt, World Law Debt (additional information) and Orion Processing.
Swift Rock Financial Services, Mesa Rock Financial Services, Topaz Financial Services, and Clear Your Debt are sales organizations. These companies market the debt management and debt negotiation services provided by Orion Processing. Clear Your Debt has indicated that they have ceased operations, but consumers who contacted this company will continue to have their debt managed and/or negotiated by Orion Processing.
These companies are individually owned by Shannon Scott and Derrin Scott. Please see the Related Business section for more information. – Source
On February 10, 2010, the Illinois Attorney General file suit against Clear Your Debt, LLC, Swiftrock Financial, Inc., Orion Processing, LLC, and two managing members, Derin Scott and Shannon Scott. The suit alleges that alleging that the defendants have violated the Illinois Consumer Fraud and Deceptive Business Practices Act by misrepresenting the services they can provide to consumers and the impact that those services will have on consumers’ credit and therefore are engaging in deceptive marketing practices, charging excessive fees and doing little or nothing to improve consumers’ financial standing. The suit asks the court to enter a permanent injunction barring the defendants from engaging in debt settlement in Illinois and order the defendants to pay restitution for aggrieved consumers, civil penalties of $50,000 for violating the Consumer Fraud Act, an additional $50,000 penalty for each violation committed with the intent to defraud, as well as a $10,000 penalty per violation committed against a person 65 years or older. The matter is pending. – Source
World Law Processing says it is an LLC located in Texas but the State of Texas has no company registered to do business under that name.
But there is no apparent website for World Law Processing. Is it me or does everything just appear to be cobbled together?
I’ll let you read it over and offer your comment on this offer.

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The Email Pitch
RE: COLLECT DEBT SETTLEMENT FEES IN ADVANCE! ELIMINATE FACE-TO-FACE WORRIES.
Debt settlement solution without the debt settlement model.
- ABOUT WORLD LAW DIRECT:
- The leading interactive provider of U.S. and international legal solutions
- Google ranks WORLD Law Direct number one for “online legal advice” out of more than fifteen million searched sites. July 2004 through January 2009
- NOT a debt settlement attorney model; proven model before “debt settlement”
- Over 1000 global leading lawyers online / 26 countries / 7 days a week
- Publicly traded; heavily invested system
- NO attorney fee sharing violations
- WORLD LAW DIRECT AFFILIATES:
- Continue collecting fees up front
- NO VIOLATION OF TSR AND FTC REGULATIONS! GUARANTEED IN WRITING!
- Decrease cancellations by eliminating the face-to-face process
- Pay:
70/30 (0 – 100 deals per month)
75/25 (101 -500 deals per month)
80/20 (500+ deals per month)
- PROCESSING:
- Request personal conference
- Return NDA
- Affiliate contract
- Setup
- Training*
- AFFILIATE TOOLS:
- Global Client Solutions; the most thorough payment processing service in debt settlement!
- Debt Trakker; most comprehensive debt management software available!
- Docusign; receive client agreements back within minutes!
WORLD LAW DIRECT: THE ONLY OPTION OF ITS KIND!
Non-disclosure agreement attached. Please return all pages.
Winning!
Michael Tongkeamha
7616 LBJ Fwy, Suite 625
Dallas, Texas 75251
888-742-6013 (fax)
Attachment: NDA
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Wow!!! In Writing? Oh my gosh, that just makes me feel all warm and cozy about it. Are they also going to put up a bond to help all the sales people that fall for this to pay the 16,000 per violation?
Wow!!! In Writing? Oh my gosh, that just makes me feel all warm and cozy about it. Are they also going to put up a bond to help all the sales people that fall for this to pay the 16,000 per violation?
No decent lawyer would ever write that opinion! No matter what
Me too. Hopefully someone will send me one in soon.
“NO VIOLATION OF TSR AND FTC REGULATIONS! GUARANTEED IN WRITING!” – I certainly hope the “in writing” being referred to hear comes direct from the FTC and not some legal opinion letter from ANY other source. If it is not direct from the FTC, I would not give it any weight.
“NO VIOLATION OF TSR AND FTC REGULATIONS! GUARANTEED IN WRITING!” – I certainly hope the “in writing” being referred to hear comes direct from the FTC and not some legal opinion letter from ANY other source. If it is not direct from the FTC, I would not give it any weight.
No decent lawyer would ever write that opinion! No matter what
I would like to know what they’re providing & why the TSR does not apply. World law appeas to be providing consultative services only w/o representation as they are an “interactive provider of legal services”. How soon til we see a contract?
States No Atty Fee Sharing Violations…. I believe there are cases where sales companies can sell pre paid legal contracts w/o fee splitting being an issue… But this is hardly prepaid legal- Its a debt settlement company selling so-called legal contracts in debt settlement by making an agreement with a pre paid legal service for minor services.
I really want to see that contract.
I would like to know what they’re providing & why the TSR does not apply. World law appeas to be providing consultative services only w/o representation as they are an “interactive provider of legal services”. How soon til we see a contract?
States No Atty Fee Sharing Violations…. I believe there are cases where sales companies can sell pre paid legal contracts w/o fee splitting being an issue… But this is hardly prepaid legal- Its a debt settlement company selling so-called legal contracts in debt settlement by making an agreement with a pre paid legal service for minor services.
I really want to see that contract.
Me too. Hopefully someone will send me one in soon.