Ask The Get Out of Debt Experts Debt Settlement

My Business Folded and The Debt Answer Said They Could Help. – Blakey

“Dear Steve,

I had a business that folded beginning of 2010 that left me with about $150k of unsecured debt.

I contacted the Debt Answer (Lloyd Ward & Associates) in March 2010 to negotiate my debts down.

I am now being sued by one of my creditors and others are threatening.

I have been paying Lloyd Ward & Associates $1192 per month for ten months and because they front-load their fees I don’t have enough to settle any debts.

Now I am being sued by one of my creditors and others are threatening.

I have retained a bankruptcy attorney and am moving forward there as I can see no other option.

I want a refund from Lloyd Ward & Associates as they have done virtually nothing and have more than 10K of my money.

I sent a certified letter to them asking for a refund and stating that I would report them (as you outlined in another post).

I was wondering if you could forward my complaint to your non-disclosed persons at Lloyd Ward & Associates to help me in my quest for a refund.

I cannot believe I fell for their sales pitch and waited so long while they did nothing.



Dear Blakey,

I will gladly forward your request above on and ask them to comment here.

From what you wrote it looks like you are following the process I wrote here, How to Get Out of a Debt Relief Program and Get a Big Refund.

Make sure you follow the entire process and don’t stop with just the one letter.

Please post your responses and follow-up messages to me on this in the comments section below.


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.


  • These companies keep popping up with their sleazy sales pitches taking advantage of families that are under a lot of stress from their financial situation. Don’t Fall For The Pitch!

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