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Robert J. Buscho & Anaheim Legal Center Law Offices of Kenneth W. Szalonek Mystery


A tipster (send in your tips here) sent me a message and said I should take a look at ( regarding a .Robert J Buscho. The message said: “Please follow this link to the site [Robert J. Buscho] is still advertising himself as an attorney on. He does not speak Spanish and he has preyed on helpless, desperate people ... Read More »

    Life After Bankruptcy: How to Quickly Have Great Credit and Dumb Mistakes to Avoid

    With a little education and guidance your life after bankruptcy will be awesome.

    So you filed bankruptcy. Congratulations on taking steps necessary to deal with your old debt and get the legal protection and fresh start you are entitled to under the law. Your journey isn’t over though. The best days are now ahead of you but you will need to take action to rebuild a better financial future. Below you will find ... Read More »

      Personal Finance Author Gail Vaz-Oxlade Turns Away From Credit Counseling

      change your mind

      In a slowly building concern over personal finance advice, Gail Vaz-Oxlade, author of Money Rules, Debt Free Forever, It’s Your Money, and more personal finance books, is quoted as reversing her position about credit counseling in Canada. Gail Vaz-Oxlade, author and host of Til Debt Do Us Part and Princess, used to recommend credit counseling services to consumers in financial ... Read More »

        EFA Processing Takedown Request Makes Me Want to Examine the Facts


        As a result of a takedown request this site received regarding a guest post here, I decided to look into the facts that were publicly verifiable. What you find below is not really an article, but the results of my research. The contributed article by Jason Spencer, here, is his statement of opinion and internal facts as he knew them. ... Read More »

          Credit Reports Screwed Up. Anyone Surprised?

          "Credit rating" handwritten with white chalk on a blackboard

          A Federal Trade Commission study of the U.S. credit reporting industry found that five percent of consumers had errors on one of their three major credit reports that could lead to them paying more for products such as auto loans and insurance. Overall, the congressionally mandated study on credit report accuracy found that one in five consumers had an error ... Read More »

            Raspberry Ultra Drops – Fox News Scam Page


            WARNING: Emails are going out that contain links that lead to You can see a copy of that page below. It is a scam site and the Federal Trade Commission has previously shutdown other companies making similar claims about similar products using fake news sites. This site uses Fox News, Dr. Oz, Los Angles Times, ABC News, and HuffPost ... Read More »

              USA Payday Loan Scheme is a Total Scam. Run Away.


              A reader just filed a consumer complaint about a company called USA PaydayLoan. You can read it here. The consumer alleges they applied for an online payday loan through and was contacted by telephone. They state they were told they were approved for a loan but had to pay an advance fee. Unfortunately the consumer purchased a prepaid card ... Read More »

                Military Debt Management Agency MDMA Hits Military and Consumers for Student Loan Help

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                A tipster (send in your tips here) sent me a fee schedule from the non-profit credit counseling group Military Debt Management Agency (MDMA) in Florida. The reader was concerned that this non-profit 501(c)3 IRS approved charity that is supposed to be helping military members and general consumers was taking advantage of those with federal government student loan debt, by charging ... Read More »

                  Forensic Loan Audit Mortgage Scam Settles FTC Charges


                  The defendants behind an operation that allegedly preyed on vulnerable homeowners have agreed to settle Federal Trade Commission charges that they lured people into paying $1,995 or more by holding out bogus promises that they could help them avoid foreclosure and renegotiate their mortgages. The FTC’s settlement order against the Los Angeles, California-based Consumer Advocates Group Experts, LLC, company owner ... Read More »

                    Small Business Debt Relief Program Fax – Burn It, Pitch It, Avoid It

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                    A tipster (send in your tips here) sent in a copy of a fax they recently received from the Small Business Debt Relief Program. Let’s call this for what it appears on face value, probably an advance fee debt settlement sales job. The fact this was sent out to small businesses clearly indicates this is an advertising piece to sell ... Read More »

                      So You Are Going to File Bankruptcy. That’s Good News. Congratulations.

                      The decision to file bankruptcy should be a celebration.

                      Here is something you don’t expect to hear people say, “If you file bankruptcy your life will get better.” Well, I did file bankruptcy and my life did get better. Within three years after our bankruptcy we had purchased a house and before that had rebuild great credit using secured credit cards. In fact for me, my financial failure and ... Read More »

                        American Tax Relief Scammers Agree to Pay Millions to Settle With FTC Over False Promises


                        Under an agreement with the Federal Trade Commission, the defendants in a scheme that allegedly bilked consumers out of more than $100 million by falsely claiming they could reduce their tax debts must surrender more than $15 million in cash and assets to settle charges that they violated federal law. Under the settlement order, American Tax Relief LLC and its ... Read More »

                          Broadsword Student Advantage Sells People Student Loan Help They Could Get for Free


                          A reader wanted to know more about a radio commercial they heard in California that was promising a student loan assistance or consolidation program. The reader said the telephone number in the radio advertisement was 800-514-9773 and they thought the company was Student Advantage. So I called to find out what the service was all about.The telephone was answered by ... Read More »

                            Former Dextral Managing Director Shares His Bold Story About Ken Talbert


                            See February 9, 2013 update at bottom for takedown request received from EFA Processing. This article was written and contributed by Jason Spencer, the former Managing Partner of Dextral Capital Management Fund. He shares his observations and experiences from inside the debt settlement industry. I asked Jason why he wanted to share this story. He said, “The reason is that ... Read More »

                              FTC Shuts Debt Collection Company That Threatened Consumers


                              At the request of the Federal Trade Commission, a U.S. district court shut down a Houston-based debt collection operation that allegedly illegally used insults, lies, and false threats to collect on payday loans – including telling a Virginia woman that she would be arrested and jailed for three years, and would lose her disability payments if she did not pay ... Read More »

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