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.

22 Comments

  • They are 100% scammers. They told me they had worked with two banks to forgive my debts, and that I owed nothing on these two accounts. I asked for documented proof, they never sent it.I am now being sued by these companies that, according to ACS, I owe “nothing” to. I asked for a refund and was told their system was down. They have taken over $4500 from me. Their “compliance” person is Alan Messina, who ws involved in a boiler room scheme http://www.bizjournals.com/southflorida/news/2014/05/14/regulators-accuse-seven-men-of-running-boiler-room.html IF YOU ARE A VICTIM, CONTACT THE FEDERAL TRADE COMMISSION TO FILE A COMPLAINT/ also file with consumer protection agencies. If you are in debt, google how to resolve it. You can work with creditors DIRECTLY, for free, and you can also declare bankruptcy. I am also going to call the attorney general of florida. Let’s help get this “company” closed,

  • I’m so glad I saw this website your a life saver. I to singed up for there service, I payed them 265 every month for the past year I know they bought active debt solutions and I have been dealing with american credit shield for the past 5 months And now I’m being sued from GE capital for $1,179.06 I just got in the mail on Friday. They said they would give me a lawyer in my state now I know that’s bull I have a feeling they didn’t do anything there’s money just sitting there in the account and they don’t do anything . I got in contact with a legal aid since I can’t afford a lawyer and they to said this company sounds very fraudulent. My court date is not until Nov 18 next month, if anyone has any tips for me please email me at [email protected]

    • I had signed up for 321loans and called their number and the name of the company changed to helping america group. I asked who their founder is after not being able to find anything about them on the web. It’s also Jeremy Marcus. They got one payment out of me but they won’t be getting anymore . I had them blocked from withdrawing out of my checking account

      • Jenn, I also signed up with 321 Loans, which was actually Helping America Group and now, 321 Financial to whom I have already paid $221.06 per month for four months but I had to go to the Armed Forces Bank and filed to stop paying 321 Financial last July, 2015. The Armed Forces Bank stop payment expiration date is July, 2049. The total amount that I have paid to 321 Financial is $884.24. Now, it appears on my credit report that I owed a loan from NGP Enterprises, which is actually 321 Financial. I guess, it is now their new name. From 321 Loans to Helping America Group to 321 Financial and now – NGP Enterprises. You might need to go back to your bank and tell them that the name 321 Loans has been changed several times so that they cannot debit your checking account. I had to pay $30.00 stop payment fee to the Armed Forces bank so that 321 Loans can no longer debit my joint checking account with my wife, and then, another $30.00 so that 321 Financial cannot debit our checking account as well. Now, in my credit report, I still owe $6,356.00 to NGP Enterprises, when in fact, I did not obtain any loan from them but to consolidate our 4 credit cards. Helping America Group, 321 Financial, or NGP Enterprises never did anything to settle our 4 credit cards but to suck our $884.24. That’s why I am advising you to go back to your bank and tell them the following names: 321 Loans, Helping America Group, 321 Loans and NGP Enterprises. These companies are actually “sister” companies for their purposes are to confuse their customers and to debit their customers bank accounts because once they’ll use another name, they could debit your checking account. You need to check your credit report because I am pretty sure that it will appear in it that you owe a certain amount to NGP Enterprises.

    • contacted you – please contact [email protected] to join forces to after these guys. i want them shut down and in prison where they belong, and money back in our wallets. let’s stop them from scamming other people.

  • I’m so glad I saw this website your a life saver. I to singed up for there service, I payed them 265 every month for the past year I know they bought active debt solutions and I have been dealing with american credit shield for the past 5 months And now I’m being sued from GE capital for $1,179.06 I just got in the mail on Friday. They said they would give me a lawyer in my state now I know that’s bull I have a feeling they didn’t do anything there’s money just sitting there in the account and they don’t do anything . I got in contact with a legal aid since I can’t afford a lawyer and they to said this company sounds very fraudulent. My court date is not until Nov 18 next month, if anyone has any tips for me please email me at [email protected]

Leave a Comment

Scroll to Top