I normally do not post an investigation with a consumer complaint. However in this case there were a number of issues that concerned me, such as unregistered companies, fake testimonials, and offshore payment processing. I’ve labeled this consumer complaint as a scam alert because in my opinion these companies all create a pattern of what appears to be a scam. They appear to sell a debt relief product that is not worth much. My advice is to run away from these companies if you are pitched for any services. If you have purchased these services and have been dissatisfied with the services you’ve received, please complete this consumer report.

Consumer Statement:

I was called by a telephone solicitor, told that the company could help me lower my credit card interest rates, guaranteed, or will recieve savings of $2500 or my fee will be returned. There was no mention of a financial Advisor and that all of my credit card information required to give them. I fear I may have larger credit card debts if I provide all the data they require & am scammed.

Consumer Action Taken:

I tried almost daily to reach them by phone. I always got a message “leave my name and number, they would return my call or “All lines are busy now, please call later.” (repeatedly) I spoke to a woman on May 15. She stated they must listen to the recording and call me in 30 min. I never was called. I called & again I got message, “leave a message.”

Date This Problem Happened: February 21, 2012

State You Live in: Tennessee

Race/Ethnicity: White

Age Range: 21-35

Total Amount of Fee Paid: $897

Company Name: Financial Management Partners, Inc.

Company Address:

Financial Management Partners
1945 WEST CR 419
STE 1141-303
OVIEDO, FL. 32766
Telephone: +1.877.274.8238
financialpartners@earthlink.net – Source

The company is registered to do business in Florida but has a different business address listed. The director is listed as Betsy Valorose, 1315 N. indian River Drive, Sebastian, Florida 32958 – Source

Company Telephone Number: 877-274-8238

Website of Company: financialmanagementpartners.co

Steve Notes

I took a look at this company website and discovered they appear to be selling one product, a debt / financial management software program for between $699 to $999.

It appears that payment processing for this company is handled offshore, allegedly by Opus Global, Limited in Port-Louis Mauritas.

There are a number of other websites that are selling using the exact same messages. These sites include:

• americansnumberonechoice.com – Americans Number One Choice
  2603 Discovery Drive
  Discovery Lakes Phase 1, Bldg 2
  Orlando, FL 32826-3006 – SourceNot registered to do business with the state.
• keyonesolutionsinc.com – Key One Solutions – Source (Product Info)
  7650 S. McClintock Dr. #103-119
  Tempe, AZ 85284
  Telephone: +1.888.599.7112Not registered to do business with the state.
• financialmanagementpartnersinc.com – Financial Management Partners
  315 West Elliot Rd. #172
  Tempe, AZ 85284
  Telephone: +1.888.229.2290 – SourceNot registered to do business with the state.

  Address appears to be mail drop at mailbox store.

• theeliteplanninggroup.com – The Elite Planning Group
  Elite Planning Group
  315 W. Elliot Road #107-166
  Tempe, AZ 85284
  Telephone: +1.888.355.2702 – SourceNot registered to do business with the state.

  Address appears to be mail drop at mailbox store.

• americasfirstsource.com – Americas First Source
  24 Orange Ave and Wall St
  Orlando, FL 32801, USA
  Toll Free # 1-877-404-5786 – SourceThere is a company named America’s First Source, LLC registered to do business in Florida. The manager of the LLC is listed as Marbel W. Rodriguez, 312 Redwing Way, Casselberry, FL 32707 – Source
• purchasepowersolutionsinc.com – Purchase Power Solutions
  3116 S. Mill Ave.
  Tempe AZ 85282
  Telephone: +1. 888.512.8881
  FAX: +1.888.430.2542 – SourceAddress appears to be mail drop at mailbox store.

  The company is registered in Arizona and the managing member is Lisa Miller, 4050 W. Ray Road, Suite 17-155, Chandler, Arizona 85226. – Source

• financialmanagementpartners.co – Financial Management Partners
• nationalbankcardmonitorinc.com – National Bankcard Monitor
  835 W. Warner Rd. #101-454
  Gilbert, AZ 85233
  Telephone: +1.800.871.0372 – SourceThis is a registered company in Arizona to Gino Nicoli and Terry Duff at 1900 S Valley Drive, Apache Junction, AZ 85120. – Source

  Address appears to be mail drop at mailbox store.

• proactiveplanningsolutions.com – Proactive Planning Solutions
• mpxdebtsolutions.com – MPX Debt Solutions
• consumerreliefsolutionsinc.com – Consumer Relief Solutions
  315 West Elliot Rd. #172
  Tempe, AZ 85284 – SourceAddress appears to be mail drop at mailbox store.

  Not registered to do business with the state.

• enhancedplanningsolutions.com – Enhanced Planning Solutions
  1225 W. Main St. #101-431
  Mesa, AZ 85201
  Telephone: + 888-599-7116
  FAX: + 888-430-2542 – SourceNot registered to do business with the state.

  Address appears to be mail drop at UPS Store.

• emgfinancialservices.com – EMG Financial Services
• Credit Account Solutions

Big Scam Flag for Me

I could not help but notice that a number of the websites also used the same testimonials.

“The [Fill in Company Name] definitely took the stress off and allowed me to get my life going in a better direction. It’s great to have all my accounts being paid off and to move past that very difficult time in my life.”
– Jessica, Los Angeles, CA

“I thought it was too good to be true, but now you’ve saved me over $14,000 in only one year! A huge THANK you to the team at [Fill in Company Name]!”
– Elaine, San Jose, CA

“[Fill in Company Name] has gone above and beyond what I expected to get the creditors off my back and reduce the amount I owe. They even got one of my debts entirely eliminated!”
– Andrew, San Francisco, CA

“I had many questions and made many calls throughout this process. They always answered all of my questions in a manner that left me feeling assured and comfortable with this program.”
– Paula M. St Paul, Minnesota

Americans Number One Choice Testimonials, Key One Solutions Testimonials, Financial Management Partners Testimonials, Elite Planning Group Testimonials, Americas First Source Testimonials, Purchase Power Solutions Testimonials, National Bankcard Monitor Testimonials, Consumer Relief Solutions Testimonials, Enhanced Planning Solutions Testimonials

This appears to be nothing more than a ring of fake websites designed to fool consumers into paying money into an offshore account for a product that is darn near worthless. Consumers have been complaining about Purchase Power Solutions, click here to see those complaints.

If you feel you’ve been financially hurt by a debt relief company and deserve a refund, read these step-by-step instructions on how to proceed to attempt to get your money back.

If you do get your money back, come back and leave a comment about it. I’d love to praise companies that step-up and do the right thing for people.

Scam reports are submitted by consumers like you. If you would like to file a scam report, please click here.

If you are the company named in this report and you want to respond, please read How to Handle a Consumer Complaint Like a Pro And Come Out Smelling Like a Rose

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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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