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Timeline Debt and R&N Consulting Are Missing. Where Did They Go? – Sandie

“Dear Steve,

Have been dealing with Timeline Debt/R & N Consulting for about 3 years, making monthly payments to have them handle my credit card debt. Received a letter a few months ago that I only needed to make 2 more payments and everything would be taken care of. Mailed a payment a couple weeks ago, but stopped payment when I couldn’t contact them because of a letter of garnishment I received.

Is there anyway to contact anyone about the status? Should I file a complaint, and how do I know without contacting all my debtors if any payments have even been made?

Sandie”

The Answer

Dear Sandie,

This is the second question of the day about Timeline Debt Solutions and R&N Consulting. You can find additional details from my update over on this question.

In that answer this morning I did not include information about R&N Consulting Group. It appears from State of Florida records that on May 23, 2011, Rick Permanand, who is with Timeline Debt Solutions and was an officer of R&N Consulting, withdrew as a manager of the LLC. – Source

What is interesting is in that same document he says the paperwork should be returned to:

Rick Permanand
Timeline Debt / R&N Consulting
1990 Main Street
#750
Sarasota, FL 34236
941-330-6610

Get Out of Debt Free Hotline

I believe that address is a mail drop.

So this only leaves Nicholas Salerno responsible for R&N Consulting. The company is still active.

It certainly appears that the two companies are going underground to try and avoid clients. You should immediately file a complaint with the Florida Attorney General in hopes you will be able to get answers to your questions.

Unfortunately, my prediction is this is probably not going to end well. I doubt you will get a refund or the information you want within a reasonable amount of time.

What address did you mail a payment to?

How many remaining creditors do you have?

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

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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.
  • Sandie

    I was with R&N Consulting/Timeline Debt for the last two years. There is now no way to contact them, although I got a generic letter saying “all was going well and they would contact me in 30-45 days”. I decided to contact GCS where monies were being debted from my bank account and asked for a copy of the signed contract I had with them. I did sign a contract with Timelines “attorney”; but they are also not in contact with them. I received the copy from GCS today and my signature was definately forged.

    Can you give me advise on what my next course of action should be? Would a complaint to Florida’s Attorney General be helpful?

    • Kay

      I have also been dealing with Timeline Debt Solutions aka R&N Consulting Group.  I received a letter stating 2 more payments is all I needed to make.  then I also got a letter that they would be contacting me with the details of them paying my creditors.  I never heard from them again and the phone numbers I had are no longer in service.  I to was being sued by my creditors and they were going to garnish my wages.  I ended up contacting my creditors and they had not heard from Timeline for over a year and have never done any negotiations with them or received any money.  R&N is for Rick and Nicholas.  I have contacted the Attorney Generals Office and have on their suggestion I also contacted the Federal Trade Commission.  My question I would like to find out is if it would do any good to file a class action suit against them since there is no longer any address or phone number.

      • http://GetOutOfDebt.org Steve Rhode

        A class action suit, if there was one, is going to return little to nothing. None of the class action suits against debt relief companies have returned much, if anything to consumers.

        I suggest you follow my guide to getting a refund.

  • Sandie

    I was with R&N Consulting/Timeline Debt for the last two years. There is now no way to contact them, although I got a generic letter saying “all was going well and they would contact me in 30-45 days”. I decided to contact GCS where monies were being debted from my bank account and asked for a copy of the signed contract I had with them. I did sign a contract with Timelines “attorney”; but they are also not in contact with them. I received the copy from GCS today and my signature was definately forged.

    Can you give me advise on what my next course of action should be? Would a complaint to Florida’s Attorney General be helpful?

  • Sandie Howard

    Thank you for your information; makes me sick though.  I looked through my original contract and it was through a firm called Frank S. Chimento & Associates in New York.  I contacted them via email and will see if I get a response.  All I want to know is the status of my creditors.  I hope to god I haven’t been paying $475/month for 2 years for nothing.  I will definately file a complaint with the Florida Attorney General.  Thank you for your information

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