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Yellow Book Invoice Scam Resurfaces Again


At the Federal Trade Commission’s request, a federal court has banned Robert Ray Law and his company, CPU Service Incorporated (CPU) from sending unsolicited direct mail to advertise or promote goods or services, imposed a judgment of almost $400,000, and required them to immediately pay $45,000. In July 2014, the FTC charged Law and Your Yellow Book Inc. (YYB) with ... Read More »

    FTC Halts Bogus Envelope-Stuffing Scam


    At the Federal Trade Commission’s request, a federal court has halted a nationwide work-at-home scam that took more than $7 million from tens of thousands of consumers. The defendants allegedly lured consumers with false claims that they could earn up to $5,000 or more in weekly income by stuffing and mailing “special advertising letters” from home. According to the FTC’s ... Read More »

      New Bankruptcy Forms Make It Easier to File Without an Attorney

      happy woman in wheelchair outdoors beach showing victory sign

      Now don’t get me wrong, there is no substitute for the experience, knowledge, and wisdom of an experienced bankruptcy attorney. But for decades people have been filing out their own bankruptcy petitions, because they can. The forms were not geared for the average person to easily figure out. On December 1, 2015 the bankruptcy forms are going to change, in ... Read More »

        6 Out of 10 People Stressed About Holiday Spending

        Christmas Piggy

        Consumers may not feel so jolly once they head into this year’s holiday shopping season. According to a national survey by Experian, many respondents are concerned about the financial stress of gift buying and adding debt, as well as becoming an identity theft victim. When it comes to their finances, a majority of survey respondents believe holiday shopping is a ... Read More »

          Omni Management Partners Client Agreement Review Leaves Me Wondering

          Mature woman confused

          I recently wrote about Omni Management Partners as the result of a comment made on the site. Subsequently I received a copy of the client agreement. What follows is just my opinion about what I read in the agreement. I am not a lawyer and can’t offer any legal opinion about this agreement. What you will read below is simply ... Read More »

            So Who is Omni Management Partners in Florida?

            Adult Ed - Questions

            I just spotted a comment from a reader who was asking about Omni Management Partners. The comment can be found here. I don’t know Omni Management Partners from a hole in the ground so I’ll do some public record research and share it with you below. Omni Management Partners says they are located at 150 East Palmetto Park Road, Suite ... Read More »

              Mortgage Modification Representative Gets 10 Years in Jail


              United States Attorney for the Northern District of Indiana, David Capp, announced that Brian M. Kandefer, age 37, of San Diego, California, was sentenced Wednesday, November 18, 2015, in federal court by Judge Robert L. Miller, Jr. after his guilty plea of wire fraud and money laundering. Brian Kandefer was sentenced to 121 months imprisonment and ordered to pay $1.4 ... Read More »

                Camden Legal Group – What Do You Think?

                Many multicolor question marks above the head of young man or boy. Making decision thinking uncertainty learning concept. EPS 10 vector illustration no transparency

                Previously I answered a reader question about a company called Camden Legal Group. You can see it here. In this post I’m going to do things a bit different. I’m just going to publish the facts that I have and I’m going to encourage you to post a comment with your opinion of Camden Legal Group. This story all began ... Read More »

                  Is Canadian Cockburn & Associates Operating Out of New Jersey?


                  Under the heading of “that’s odd” comes this job posting for a Canadian Lawyer with Debt Settlement Experience. – Source The ad is looking for someone who is licensed in Canada to work for the Law Office of C&A in New Jersey. Now I don’t think it is a far stretch to think the Law Office of Cockburn & Associates ... Read More »

                    Pure Solutions, Inc Raises Some Legitimate Questions

                    Screen Shot 2015-11-19 at 2.44.38 PM

                    A reader forwarded me a client agreement by a company called Pure Solutions, Inc. The company says it is located at 76 Cranbrook Rd, Suite 249, Cockeysville, MD 21030. The consumer was being charged around $14,000 for the company to send out less than five debt validation letters. A few minutes of looking around and reading the client agreement left ... Read More »

                      CFPB Takes Action Against Online Lender for Deceiving Borrowers


                      Bureau Alleges Integrity Advance Misrepresented the Cost of Loans, Seeks Redress for Borrowers WASHINGTON, D.C. – The Consumer Financial Protection Bureau (CFPB) took action today against an online lender, Integrity Advance, LLC, and its CEO, James R. Carnes, for deceiving consumers about the cost of short-term loans. The Bureau alleges that the company’s contracts did not disclose the costs consumers ... Read More »

                        The Morgan Drexen Legacy – More Pain for Lawyers and Consumers

                        Sad Elderly Lady

                        Morgan Drexen was a nationwide debt settlement enterprise that sold consumers hope they could eliminate their debt by settling it. And while debt can certainly be settled by knowledgeable people, the Consumer Financial Protection Bureau (CFPB) had significant concerns about the company and attorney network they created. The entire Morgan Drexen debacle is a story too long for this article. ... Read More »

                          The Death of the Traditional Debt Relief Industry for Now

                          Chapter 13 Bankruptcy Filing Rates

                          Recently a couple of statements from people I know inside the debt relief industry have struck me. It seems there is a general lack of understanding why it is getting harder to sell debt relief services. Some blame the Consumer Financial protection Bureau (CFPB) for cracking down and some blame me for writing about the industry and scaring potential customers ... Read More »

                            Paul Paquin and Golden Financial Services Want to Make Love Yet They Make War

                            business and office, stress, problem, crisis concept - stressed buisnessman or teacher having headache

                            Yesterday a debt relief industry friend pointed out to me an attack post Paul Paquin, president of Golden Financial Services posted about me on Linkedin. – Source The post then linked to another much longer attack post he published on November 1, 2015 on the website. I’m at a loss what motivates these folks to embark with the refreshed ... Read More »

                              Suit Against Debt Management Group Proves My Point


                              Two things just happened. First, I posted this article about a debt relief mailer. Second, a lawsuit just crossed my desk against Debt Management Group, The Davis Law Group, Brian Davis, Moore Legal Center, and Thomas Moore. The irony is the suit happens to contain a mailer that looks nearly identical to the one in the article and it’s for ... Read More »

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