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Debt Smart America Signed Me Up With Fingo Group and Now Their Gone. – Kenneth

“Dear Steve,

I am in debt for around 27,000 and i had surgery total knee replacement and was out of work for 8 months.I am having trouble keeping my head above water.

I signed up for the atlas group on september 2011 so i am into it for 2 months now and after seeing what you are saying it sounds like a mistake,I signed up through debt smart america.I am having trouble accessing thier web sites.I hope there is a way you can help me and have any suggestions as to what my options can be,and if you could help me keep my head above water.Should i stop any further payments to atlas and look in another direction.Thank You


Dear Kenneth,

You are correct. It appears the website is no longer online. I was able to find a cached page of their contact us page and it had the following contact information on it. – Source

15029 N. Thompson Peak PKWY
Ste B-111-453
Scottsdale, AZ 85260
Toll Free 800-728-7702
[email protected]

According to domain records, the last public owner of the website was:

Jeff Loyd
608 W Frontier St
Payson, AZ 85541
[email protected]

You might want to contact him for additional information since he was the previous or current registrant of the domain name.

I took a look at the other domain names on the server for Debt Smart America and they were:

In the list was a site for It lists their phone number as 866-900-1580.

That page also says the company is Debt Smart America, LLC, 4550 W. Ray Rd. Chandler AZ, 85226.

A search of Arizona corporate records could not locate any company in Arizona under Debt Smart America, LLC.

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I hope all of that information helps you to find Debt Smart America so you can contact them for help.

The contract you sent, which I have included below in the thumbnails, did raise three important questions.

The first is that it appears from the budget you created with the Fingo Group, that you only have $95 a month left over after expenses.

Second, since you only demonstrated you have $95 a month left over I’m at a loss on how you can afford a $290 per month payment to Fingo Group and $150 a month to Atlas Cooperative. Clearly this seems to leave you in the hole each month and just based on the documentation you provided, is not sustainable.

Besides, the budget allows for no money each month in savings or for you to develop an emergency fund to help protect you moving forward.

I’m also not a big fan of the Atlas Cooperative advanced fee and monthly fee. I’ve covered that before here.

Third, since all the debt is in your name alone, I’m not sure why they had your wife enter into the agreement with you or have her name on this at all.

Considering your current situation, your lack of being able to demonstrate you can afford this agreement and the possibility this is not going to be sustainable, I think you should at least consider other options.

You can use the free How to Get Out of Debt Calculator to review your options.

But just from the information you’ve provided it seems the most logical answer is to see if you qualify for a Chapter 7 bankruptcy. About 70% of people that file bankruptcy, do.

You can click here to find a local bankruptcy attorney and talk to them about your situation. If they fee it is a smart move for you to file bankruptcy and you qualify for a Chapter 7 bankruptcy, your debt will be discharged in a matter of a few months and you can resume saving money to protect you moving forward.

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Again, just based on the information you provide me and the contract you attached, you may want to contact Fingo Group and Atlas Cooperative and talk to the about getting a refund. You can follow my refund guide here.

I welcome readers to review the attached contract images below and offer up any additional advice to Kenneth that I may have missed.

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

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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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