Connecticut Spanks New Crop of Debt Relief Companies

The latest data is out from the Connecticut Department of Banking identifying the debt relief companies they’ve taken some action with since January 1, 2013.

As I’ve said time and time again, you don’t mess with Connecticut unless you are licensed as a debt relief provider and comply with the laws of the state. They don’t take kindly to debt relief companies that consumers complain about.

Black Leather Flogging Whip and money on white background. Not i


(“Herbert Davis”)

Consent Order

WHEREAS, Creative Media Consulting, through its execution of this Consent Order, consents to the Commissioner’s entry of a Consent Order imposing the following sanction:

Creative Media Consulting shall immediately cease and desist from engaging or offering to engage in unlicensed debt negotiation activity in Connecticut, in violation of Section 36a-671(b) of the 2012 Supplement to the General Statutes.


NOW THEREFORE, the Commissioner enters the following:

1. The Sanction set forth above be and is hereby entered;

2. Upon issuance of this Consent Order by the Commissioner, this matter will be resolved and the Commissioner will not take any future enforcement action against Creative Media Consulting based upon the allegations contained herein; provided that issuance of this Consent Order is without prejudice to the right of the Commissioner to take enforcement action against Creative Media Consulting based upon a violation of this Consent Order or the matters underlying its entry, if the Commissioner determines that compliance with the terms herein is not being observed or if any representation made by Creative Media Consulting and reflected herein is subsequently discovered to be untrue; and

3. This Consent Order shall become final when issued. – Source


1. Respondent is a purported California professional law corporation with offices at 15333 Culver Drive, Suite 340 Box 471, Irvine, California; 15333 Culver Drive, Suite 340 Box 481, Irvine, California; 4500 Campus Drive, Suite 284, Newport Beach, California; 1740 E Garry Avenue, Suite 220, Santa Ana, California; 8689 W. Sahara, Suite 200, Las Vegas, Nevada; 3187 Red Hill Avenue, Suite 230, Costa Mesa, California; and at 4533 MacArthur Boulevard, Suite 1000, Newport Beach, California.

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2. On May 10, 2012, two Connecticut residents entered into a “Privileged Attorney – Client Communication” (“Agreement”) with Respondent, in which the Connecticut residents engaged the services of Respondent in connection with negotiating a possible mitigation of such Connecticut residents’ current home loan situation. In connection with the Agreement, the Connecticut residents executed a Borrower’s Authorization in which the Connecticut residents authorized Respondent to communicate with Connecticut residents’ mortgage lender(s) concerning the hardship that may prevent the Connecticut residents from continuing to make payments on the Connecticut residents’ home loan.

3. In connection with the Agreement, payments totaling $3,950 were paid to Respondent on behalf of the Connecticut residents referred to in paragraph 2 above, which amount is in excess of amounts that debt negotiators may charge for services pursuant to the Schedule of Maximum Fees established by the Commissioner on or about October 1, 2009 (“Schedule of Maximum Fees”).

4. The Schedule of Maximum Fees, provides, in pertinent part, that “[a] debt negotiator of secured debt, including Short Sales and Foreclosure Rescue Services, may impose a fee upon the mortgagor or debtor for performing debt negotiation services not to exceed five hundred dollars ($500). Such fee shall only be collectable upon the successful completion of all services stated in the debt negotiation service contract”.

5. At no time relevant hereto has Respondent been licensed to engage or offer to engage in debt negotiation in this state, nor did Respondent qualify for an exemption from such licensure.

6. On August 23, 2012, the Commissioner received a complaint filed by the Connecticut residents referred to in paragraph 2 above, concerning Respondent’s failure to perform or successfully complete the services specified in the Agreement.

THE COMMISSIONER THEREFORE ORDERS, pursuant to Section 36a-52(b) of the Connecticut General Statutes, that Sameer Qadri d/b/a Accredited Law Group immediately CEASE AND DESIST from violating Section 36a-671(b) of the 2012 Supplement to the General Statutes. This Temporary Order shall become effective upon receipt by Sameer Qadri d/b/a Accredited Law Group, and, unless set aside or modified by a court, shall remain in effect until the effective date of a permanent order or dismissal of the matters asserted in this Temporary Order. – Source

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