Ask The Get Out of Debt Experts Debt Settlement

How Do I Get My Money Back from Professional Debt Consultants, Philip DiVirglio and Henry Conerly? – Dolores

Written by Steve Rhode

“Dear Steve,

You may or may not remember me , I contacted you some time ago about Professional Debt Consultants, Philip DiVirglio and Henry Conerly.

They collected their fees up front, lied to a number of entities in reference to a complaint I had filed with them (Fla BBB) that he had performed his services as contracted, which was just a lie.

I agreed to a 3 year settlement program and he told the BBB I wanted to settle the matter in 20 months, which was a total lie.

If I recall, the 20 months represented the amount of time I had dealt with them. Those two men with the help of Global Client Solutions stole from me over $6,000 in “fees” and did nothing. I contacted them until I was blue in the face, but it was like dealing with a mule.

I signed a contract with Global Client Solutions and was told both by Philip and Global no funds could be removed from that special purpose account without my authorization. That was not the case.

Global routinely released fees to Philip and Henry on a regular basis right up to Christmas Eve two years ago, to the point there was never enough money to pay anyone. All the payments I made went to Philip and Henry. I sent email after email to Philip trying to reach out to them and received no response until it was the very last day to accept an offer of settlement from one creditor.

His exact comment to me when he called made was, “I know I’m the last person you want to hear from”. He made this calll to me to cover his butt, to make it appear he was providing the services as contracted.

I had not heard from him months prior to that phone call. He had removed all the money from my special purpose account and there was nothing left to pay out. At one point, I called Philip’s office and got a message that the line was no longer in service, called again and went into vm countless times, and at one point Philip answered the phone “Premier Financial”.

See also  Professional Debt Consultants / Global Client Solutions - Consumer Complaint - 9-19-2012

I sent him an email asking him if he ever got confused when he answered the phone. He had no reply. He, his former partner Henry Conerly (who just disappeared) and Global are running a scam and nothing can be done about it.

I am a senior citizen, living on reduced SS income as I retired early because my daughter was diagnosed with stage 3 brain cancer. I was a perfect victim. My mind was on my only child and Philip used it. Those people have no conscience.

I was also in contact with a Mr. Hearn, who I thought was trying to help me, but as it turned out, he was in Philip’s pocket. I must be the biggest fool on the earth. With all the complaints against these people, isn’t there something that can be done? I called DAG Bondi’s office and she took an I don’t get involved with individual consumer cases approach.

I filed a complaint with the FTC and heard nothing. It’s been a long time since I dealt with any of this, but I do recall having filed several complaints. I read your news letter religiously and saw so many references to PDC and/or Global. I dropped this matter as my daughter Becky was not doing well. I am 2 payments away from settling one of my credit card debts and am in the process of settling one more. Even at this point, is there any chance I could get a refund from these thieves?


Dear Dolores,

I certainly hope your daughter is doing better now.

Thank you for contacting me again.

The first issue I’m struck by is why are you settling these when based on the fact your income is reduced social security income the more logical solution would be to preserve your cash and consider bankruptcy. If you are settling these with cash you need for retirement, it might be time to rethink this approach. It is certainly not one I would have suggested for you based on your situation.

See also  International Association of Professional Debt Arbitrators - IAPDA Certification Exposed

The refund process I recommend can be found at How to Try to Get a Refund From a Debt Relief Company. There are a number of steps to the process, including some new ones I’ve recently added. I would suggest you review the steps you’ve taken so far and consider implementing the rest of the suggestions I offer.

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.

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.

1 Comment

  • Steve: My daughter is doing well. PDC took me for $8,000. I filed complaint after complaint and got no where. I understand PDC is dissolved. I’m certain they are working under a different company name. I did not want the bankruptcy route. I am in the process (two months to go) of settling with two of the credit card companies. I will get out of this situation. At this point, I trust no one. Not a good way to live.

Leave a Comment

Scroll to Top