As part of my efforts to protect consumers, I poke around and look at advertisements and sales claims by debt relief companies.
The help wanted ads are a great way to see who is motivated first by money rathe than offering exceptional consumer advice.
Take for example the two advertisements today for a group called Smart Credit Group.
The ads say that basically untrained sales representatives can make $75,000 – $125,000 a year selling debt relief services to consumers. It’s not explicit clear if these are commissioned sales positions but the phrase, “Work More = Earn More Money $$” certainly leads me to believe they are.
Consumers should consider if a commission sales person is really going to offer fair and balanced advice on their situation or just sell them into their widget they make money for selling.
Here is one advertisement they are running:
★☆★ Sale financial consultant ★☆★
(FULL TIME/PARK TIME POSITIONS START TODAY)
SMART CREDIT GROUP is a leader in Home Resolution, Debt Resolution and Credit Resolution, and specialize in helping consumers to Reset, Rebuild, Refocus and Regain control of their finances. We are currently seeking a highly motivated, energetic, sales professional to add to our team of sale financial consultant specialists. The ideal candidate will have a professional demeanor, exceptional telephone skills, attention to detail, and the ability to thrive in a fast paced environment.
OUR MARKETING IS BLOWING UP THE PHONES!!!!!
Seeking a Bi-lingual speaking, STRONG SALES AGENT/Consultant to work on our Sales Team.
You will receive inbound calls generate by our marketing or from your recruiting network. You will be discussing the client’s current personal & financial situation to determine if they are a CANDIDATE for a Loan Modification, Debt Resolution or Credit Resolution, and if they are, inform them of the document requirements, our fees and set them up with an appointment call from our attorney office.
Must be Bi-Lingual (SPANISH & ENGLISH) or Multi-Lingual person.
You must be professional, intelligent, self-reliant, and CONFIDENT demeanor on the phone.
MUST HAVE GREAT WORK ETHIC AND MUST BE A STRONG CLOSER!!
- Full Time availability: 40+ hours per week is required
- Having strong computer skill is a must
- Having sales experience and closing skill is a must
- Clean criminal history in regards to fraud or serious offenses.
- Desire to help people with a positive attitude/great personality
- Strong work ethic and drive to be successful
- Responsible/Punctual and self-sufficient
- Ability to thrive in a dynamic environment, prioritze and work independently
Work Shifts: 10am-6pm
Work More = Earn More Money $$
if you’re a good salesperson, you can make SEVERAL HUNDREDS of dollars PER DAY at this. AND be Coachable and Trainable.
We will TRAIN YOU.
Knowledge of the Mortgage and/or Loan Modification and/or Real Estate industry is helpful.
Our main office is located in Norcross, GA in Gwinnett County, Jimmy carter blvd.
Commission + BONUSES offered.
And you can earn extra bonuses for self-generate clients and referrals.
Their ad says they are located at:
4864 Jimmy Carter Blvd, suite 100
Norcross, GA 30093
And that interested applicants should contact Leon.
So What Makes This So Dumb?
Smart Credit Group appears to be making all sorts of unsubstantiated claims to consumers. Many of these claims are simply not allowed under the FTC Telemarketing Sales Rules.
A quick look at their debt settlement site raises a number of concerns for me. Follow my arrows.
They make claims about massive reductions in debt or the amount of time it will take but they appear to not be backed up my the results obtained from all clients.
The site screams “attorney” but the small print on the very bottom of the site says “We are not a law firm.”
The site says their solution is the “best” solution to avoid filing bankruptcy but based on what criteria?
And the most curious statement made was the one at the very bottom that makes it appear they are selling their services to canadian citizens as well. “Our services may not be available in all provinces.”
Earlier I raised a concern about if the sales position they were advertising were commission based. Their affiliate program material sales sales are commissioned. – Source
According to public records, Smart Credit Group is owned by Quoc Tran with smartcreditgroup, Inc. at firstname.lastname@example.org. Could Leon really be Quoc?
Saigoncreditgroup.com says it is also located at 5430 jimmy carter 100, Norcross, Georgia 30093 and the owner of the domain name is Leon Tran.
A search of registered companies with Georgia could locate no company under the name Smart Credit Group or smartcreditgroup that is registered to do business.
The claims made by the company are alarming, they appear to be a commissioned front end sales company, and they do not appear to be registered to do business in Georgia. And I only scratched the surface about my concerns. I didn’t even write about the foreclosure prevention or credit repair services they are selling as well.
My advice would be before anyone uses them they should follow this guides below to check them out.
- The Ultimate Consumer Guide to Checking Out a Debt Relief Company Before You Sign On the Line
- 10 Must Do Steps to Find the Best Credit Counseling or Debt Settlement Company for You
- How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off
I can always use your help. If you have a tip or information you want to share, you can get it to me confidentially if you click here.