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California Payment Processing Company Owner Pleads Guilty to Fraud

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The owner and operator of a payment processing company that was involved in the unauthorized withdrawal of millions of dollars from consumers’ bank accounts pleaded guilty to fraud, the Justice Department announced today. Neil Godfrey, 76, of Santa Ana, California, pleaded guilty to a one-count information charging him with wire fraud in the Eastern District of Pennsylvania.  The information described ... Read More »

    The Validation Center Mailer


    A reader forwarded me a mailer from The Validation Center. It came out sometime in the past year but as you can see it contains much of the same historic debt settlement pitch we’ve seen for years. The line about no 3rd party fees is interesting. I’m not sure if that means they don’t use an outside fund escrow company ... Read More »

      Yet Another Bullshit Debt Relief Mailer From Anonymous

      2014-07-26 13.03.34

      Thanks to an awesome reader who received this recent debt relief mailer, I can share it with you. Just when you thought the debt settlement industry had cleaned up their act and was flying right, or at least a lot more level, comes this mailer. Again we have the standard deceptive mailer that appears to pretend to be an official ... Read More »

        I’m Trying to Refinance My Car Payment But I’ve Got a Lot of Late Pays. – Venkata

        Ready to Collapse

        “Dear Steve, I got a score of 686 in credit karma. I often made late payments for many months for my car loan as I am lost in my work. Later I automated the payments before due date. I bought Hyundai Elantra 2012 in Aug 2012. My APR is 5.9% . I wanted to refinace the car with lower APR ... Read More »

          Brookstone Law Mailer. The Line Between Clever Advertising and Too Much.

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          A reader shared the following mailer from Brookstone Law. In the past I have been very critical of attorney mailers selling real estate related services that appeared to be official government looking forms or notices. Those forms did not disclose they were attorney advertising and some even had official looking government seals and logos. This mailer from Brookstone Law raises ... Read More »

            Bogus National Debt Relief Hardship Program Mailer Still Being Sent

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            First off I would like to applaud the debt relief company that sent me in this mailer. Good debt relief companies that care about consumers and who want to play a role is stamping out bogus advertising that hurt the entire industry, can play a role by forwarding material to me at [email protected] I’ve covered bogus mailers on The National ... Read More »

              Hero Reader Sends in More Evidence of B.S. 2010 U.S. Stimulus Plan


              A reader and tipster (send in your tips here) just sent me this ridiculous example of a deceptive debt relief mailer. I’ve previously published examples of the 2010 U.S. Stimulus Plan mailer that has been sent out but what makes this so ridiculous is that the same consumer gets the same mailer about a week apart, both proclaiming this is ... Read More »

                Debt Solutions Research Group Makes Me Mad as Hell, Even After Sleeping On It

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                Yesterday a consumer posted a complaint about Debt Solutions Research Group – Royal Pacific Financial. You can see it here. I’ve seen enough complaints and shenanigans that not much stuff makes me downright boiling mad, but the way this consumer was treated sure did. And if you are in the debt relief industry, it should make you mad as hell ... Read More »

                  Should I pay for a home modification from My Home Advocate?

                  Ready to Collapse

                  We are about to pay for our loan modification to Tami Steffan at My Home Advocate. The confusing thing is that they seem so on the up & up but when I ask or read about them I am even more confused. They don’t have too many complaints so that leads me to believe they just like every other company ... Read More »

                    Beware of U.S. Federal Stimulus Package Mailer Promising Debt Help

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                    A reader sent in a mailer they recently received. I can’t believe these mailers are still being sent out. The mailer says, “You are hereby notified that benefits set aside, through the 2010 U.S. Federal Stimulus Package, in the name of [x] are set to expire as of 1/4/2012 at 12 Midnight E.S.T. If said benefits have not been redeemed, ... Read More »

                      GHS Solutions Bails on Consumers But Wants Higher Monthly Fee. – Carol

                      Ready to Collapse

                      “Dear Steve, In the spring of 2011 I was concerned about carrying debt into my retirement. I received an unsolicited letter about a federal program that was being offered in Maryland for persons with at least $10,000 in debt. I had about $24,000 credit card debt. I was contacted by 4-5 companies, one of them was GHS Solutions. I had ... Read More »

                        Certified Resolution Notice – Federal Stimulus Package – Scam, Scam, Scam

                        Hardship Assistance Debt Reduction Letter

                        I swear, the site has the most amazing readers. One reader and awesome tipster (send in your tips here) just sent in a mailer they got proclaiming a bunch of stuff which, let’s be honest here, is a utter pile of crap. The mailer is labeled Certified Resolution Notice and says it is part of the 2010 U.S. Federal ... Read More »

                          Legal Helpers Debt Resolution Mailer. Reader Reports Them to Bar.

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                          A reader and tipster (send in your tips here) just sent in a mailer they received from Legal Helpers Debt Resolution and Macey, Aleman, Hyslip & Searns. The reader sent the mailer in through the tip line here and said: Here is a solicitation letter I received form Legal Helpers/Macey Aleman. I am a North Carolina resident. The required disclaimer ... Read More »

                            Morgan Drexen Running TV Commercial for Debt Settlement Clients. Says It Is Exempt from FTC Rules.

                            So what is the truth about Mogan Drexen? On one hand they claim, as was stated in the recent West Virginia Attorney General suit about them to “merely provide paralegal services to lawyers engaged in debt settlement activities on behalf of clients.” Even their own website says: Morgan Drexen provides integrated legal software and paralegal services to attorneys across America. ... Read More »

                              Misleading Debt Negotiation Network Commercial

                              Commercial Snap

                              A reader and tipster (send in your tips here) sent in the following sassy debt settlement commercial that aired recently. The advertisement suggests debts may be able to negotiate debts down to a small percentage of what is owed, credit calls will be stopped and assets will be protected. These statements appear to be not complaint with the telemarketing sales ... Read More »

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