durndebt.com

Hi all,

I had a comment 2 days ago on a past entry, ".

Well well! Somebody sent me an email for the following debt relief company."

  The gentelman said that the BBB entries fromm Utah were resolved.  Yes they were but I have posted the entire BBB post below.  There were several other things besides the 3 complaints.  I put his comment out untouched.

I obtained the following information for Integrity Financial Resources from the Utah BBB web site.
The BBB reports on businesses, both accredited and non-accredited. If an organization is a BBB Accredited business, it is stated in this report BBB Definition:

report - A summary of activity reflected in a company's BBB file. Includes basic business background, BBB Accreditation information, and BBB complaint activity over the previous three years. Also reports may include any known government actions, advertising issues or other information that results from activity conducted by the BBB.
.
Name: Integrity Consulting Co.
Phone: (866) 749-2555
Fax: (801) 746-2421
Address: 5202 Douglas Corrigan Way Ste 150
Salt Lake City, UT 84116-3283
Website: www.mentoringdivision.com
www.thefinancialmentor.com
www.integrityfinancialresources.com
Original Business Start Date: April 2002
Principal: Mr. Dan Hollister, President
Customer Contact: Mr. Dan Hollister, President - dan.hollister@mentoringdivision.com
Email Address: info@mentoringdivision.com
Entity: Corporation
Incorporated: April 2002, UT
TOB Classification: Financial Planning Consultants, Apprenticeship Programs
BBB Accreditation: This organization is not a BBB Accredited business.


Additional DBA Names

Mentoring Division
Integrity Financial Resources


Nature Of Business

This company offers business and financial tools, marketing and education.


Customer Experience

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

The BBB processed a total of 4 complaints about this company in the last 36 months, our standard reporting period.Of the total of 4 complaints closed in 36 months, 2 were closed in the last year.

Delivery Issues BBB Definition:

Delivery Issues - Claims alleging delayed delivery of ordered merchandise.

Resolved BBB Definition:

Resolved - The company resolved the complaint issues.

1 - Company resolved BBB Definition:

resolved - The company resolved the complaint issues.
the complaint issues. The consumer acknowledged acceptance to the BBB.

Refund or Exchange Issues BBB Definition:

Refund or Exchange Issues - Claim of alleged failure to honor company policy or verbal commitment to provide refunds, exchanges, or credit for products or services.

Resolved BBB Definition:

Resolved - The company resolved the complaint issues.

3 - Company resolved BBB Definition:

resolved - The company resolved the complaint issues.
the complaint issues. The consumer acknowledged acceptance to the BBB.



Company Management

Additional company management personnel include:

Mr. Travis Sevy - Co-Owner
Mr. Kevin Halper - Director of Operations
Mr. Kevin Halper - Director of Operations


Government Actions

On September 19, 2006 the Utah Division of Consumer Protection ("Division") issued an Administrative Citation against Integrity Consulting Company. The citation alleges that Integrity Consulting failed to provide coaching services as promised in violation of the Consumer Sales Practices Act and the Utah Business Opportunity Disclosure Act equaling a maximum combined potential fine of $5,000. Integrity Consulting Company denied the offences listed in the Administrative Citation.

On January 16, 2007 the Utah Division of Consumer Protection issued an Order of Adjudication against Integrity Consulting Company. The Order indicates that Integrity Consulting Company committed a deceptive act or practice by failing, after receipt of payment of goods or services, to ship the goods or furnish the services within the time advertised or otherwise reported. Further, the Division cites that Integrity Consulting Company acted as a seller of an assisted marketing plan without having filed the required information with the Division. Integrity Consulting Company was ordered to pay an administrative fine of $5,000.00 and is ordered to cease and desist from: (a) after the receipt of payment for goods or services, failing to ship the goods or furnish the services within the time frame advertised or otherwise represented or, if no specific time is advertised or represented, failing to ship the goods or furnish the services within 30 days; (b) selling an assisted marketing plan without filing the required information with the Division; (c) any act in violation of the Utah Consumer Sales Practices Act; (d) any act in violation of the Business Opportunity Disclosure Act.


Additional Contact Information

Additional Email Addresses
kevin.halper@mentoringdivision.com
dan.hollister@mentoringdivision.com
travis.sevy@mentoringdivision.com

Well once again, the debt relief scammers are up and around.  I just got over 500 emails in the last 24 hours.  Over 100 were for 'DEBT RELIEF', 'CREDIT REPAIR', 'PAY ONLY 42% OF YOUR DEB'T, 'EASY BANKRUPTCY' and on and on.

I then did my look at google and found 8,8800,000 sites for bankruptcy.  Many adds saying HOW TO AVOID BANKRUPTCY and many attornies who want to help you go into bankruptcy for just a few hundred dollars up front.  BANKRUPTCY is NEVER EASY.  It is a court of last resort and you will pay for it for years to come.  The government has made it much harder to go into bankruptcy and there are many items that used to be protected that are no longer protected.  You need to do your own DUE DILIGENCE then talk to an attorney if you decide this is your only way out.  Try to talk to your creditors and see if they will work out a plan with you.  If they will not then talk to the attorney.  Most of the adds for 'HOW TO AVOID BANKRUPTCY' are saying the same thing I have been saying on this blog for the last year and they want anywere from 49.95 to 99.95 USD

DEBT RELIEF and CREDIT REPAIR had a combined 20,645,000 pages.  I only went back 3 pages for each.  Paid adds abounded and I did the look up for these companies with the FTC and Online BBB as well as the scammer sites.  It was fun, I actually found 2 companies listed that DID NOT have ongoing or past suits brought by the FTC for illegal or fraudlent practices.  Most never even responded and so loat the suits by default.  They also never even bothered to change their way of doing business.  ALL of them had entries on the various SCAMMER SITES.  By the way scammer sites are site where people report people or companies that hve in some way scammed them.  The FTC follows these site and does look into some of the alligations.  The problem is they do not have the people available to follow all of the bad guys, so they can only concentrate on the spectacularly bad.  By the way, 'PAY ONLY 42% OF WHAT YOU OWE' seems to be the new number being bandied about by the scammers

Bottom line, work with your creditors, make a budget and stick to it, pay what you aggreed to and do not open and use a new credit card what ever you do.  Under current laws, the credit card caomany can if you are late raise the intrest to over 21% at their whim.  Guess what their whim is going to be.  There is at least 1 state that allows the top interest rate to go to 28%.  If you do not have the cash to buy, you can not afford it other than your house.  I have only got 1 large bill, my mortgage, I paid cash for everything else.  It took me 6 years to get there from looking at bankruptcy.  I worked with my creditors, paid the aggreed amounts, and used NO INTREST BEARING CREDIT of any kind.  It sucked, no big night outs, very few christmas and birthday presents for the kids or wife.  I stopped smoking, drinking adn gambeling.  The light at the end of the tunnel did not appear until 14 months into the program when the first bill was paid off, only 31,000 USD to go.  The last of my credit bills was paid off in 2006.  I have a mortgage and I use a debit card.  I have bought 4 cars during and since I started.  I paid cash for all of them.  If I can do this almost anybody else can do this.

Hi all,

My personal email account has been deluged by a debt relief site owner.  I have received over 1,000 emails in the past 48 hours from the same ip address He/she sent from 9 different email accounts in the first 22 emails then I stopped looking.  They were all about how could I class this site, http://kaeshort.com/bad-debt-settlement.php, as a bad site.  Well, try to go there.  I can not get there from here or a fresh ie or firefox instance.  I took off the bad-debt... and tried just the kaeshort.com and it is not a valid url either.  I did block the IP in my spam filter.

It is hard to have fun on the internet when you are the subject of a denial of service attack which is what I am filing with the BBB and the Maryland States Attourny's office.  I know some people at the MD Department of Public Safety and am going to send this to them as well because they have a fairly large Cyber Crime devision.  They look at Debt Releif and Credit Repair Scams in the State of Maryland as well as the child porn which is a much more publized part of their duties.  They happen to be very good at what they do and I hope they do well this time and put the fear of God into these people..

Oh well, another day of fun and frolic.

 

You all take care, keep safe and keep out of debt.

Hi all

Guess what, I have received seven more emails in the last twelve hours about debt relief, credit cards for you/credit repair and debt relief/insurance.  All of these emails hit 4 or more of my email addresses.  I did my Google, FTC and BBB look ups on each of them and they are all scams.  I have gone ahead and forewarded all of them to the FTC.

 

The fun thing I just noticed this morning is that NOT one of the sender email addresses is valid.  The domain names in the email addresses do not exist, so you can not do a spam complaint to their hosts.  I worked for years in data processing for the State of Maryland, including contracts for the Maryland State Police and the States Attorneys office.  I talked with some people at both places and I think I am going to send a copy of each email I get with a false return address to the Consumer Protection office at my States Attorneys Office. 

Seems that this is a minor crime and they will start trying to build a case on these people before too many people in Maryland get screwed over by the Debt Relief/Credit Repair scumbags.  I would suggest that each of you do the same.

I am going to try and see if I can get a list, by state, of the consumer protection contacts am I will post it so anybody who wants it can get the information.

 Ok, you all take care, keep safe and start fighting back against Credit Card scams, Debt Relief scams and all the other little people who are trying to screw you out of your money

 

I received an email from John about my last entry and he asked me if I thought this company would be a good choice for him to do business with.

The email sent me here: http://integrityfinancialresources.com/debttruth.php

That went thru at least one redirect.  I looked at the landing page and got a normal web squeeze page, just like the ones used by most internet marketers.

 

Dan Hollister

990 W Atherton Drive
Suite 200
Salt Lake City, UT 84123
(866) 749-2533
info@integrityfinancialresources.com

 

So I then did a google search on the company and came up with  

http://www.ripoffreport.com/reports/0/350/RipOff0350431.htm, 

 http://www.complaintsboard.com/complaints/integrity-financial-resources-c148198.html

 

The above are in the first six entries on the first page. 

There are 3,750 other entries listed by google and most are either the ads for this company, ( 24 on the first seven pages), or the fourm posts, (over three thousand), about the scam.  You might look at the FTC sites as well for the comments there . 

Sort by date / Sort by relevance

FTC News results for Integrity Financial Resources "Operation Tele-PHONEY" Defendant Settles Commission Charges FTC Announces 'Operation Tele-PHONEY,' Agency's Largest ... La FTC Anuncia la 'Operación Tele-PHONEY', el Operativo de ... Federal Trade Commission, Plaintiff, v. Integrity Financial ... ... Consumer Protection: About BCP; Consumer Information; Business Information; Resources; ... Federal Trade Commission, Plaintiff, v. Integrity Financial Enterprises, LLC ... www.ftc.gov/os/caselist/0823120/index.shtm - 13k Federal Trade Commission - About Us ... Consumer Protection: About BCP; Consumer Information; Business Information; Resources; ... Full-time Equivalent History; Federal Manager's Financial Integrity Act, 2003 ... www.ftc.gov/ftc/financial.shtm - 14k "Operation Tele-PHONEY" Defendant Settles Commission Charges ... The FTC sued Fischbach and his two companies, Integrity Financial Enterprises, LLC, also doing business as (d/b/a) Infinite Financial and National Benefit ... www.ftc.gov/opa/2008/12/telephoney.shtm - 19k Management Overview of the Federal Trade Commission ... Responsibility for the integrity and objectivity of the financial information presented in the financial ... Financial Resources and Results of Operations. ... www.ftc.gov/oig/finstate/overview.shtm - 38k [PDF] Audited Financial Statements for FY 2003 ... Responsibility for the integrity and objectivity of the financial information presented in the financial ... Financial Resources and Results of Operations ... www.ftc.gov/oig/reports/ar04057.pdf [PDF] Capital One Financial Corporation 1680 Capital One Drive McLean ... ... of legislators, the Agencies, CRAs, financial institutions, the ... in order to minimize the resources that must ... Process May Promote Greater Accuracy and Integrity ... www.ftc.gov/os/comments/FACTA-furnishers/522110-00083.pdf Commission Actions for May 2008 ... Federal Trade Commission, Plaintiff, v. Integrity Financial Enterprises, LLC, a limited liability company, also d/b/a Infinite Financial, and National Benefit ... www.ftc.gov/os/2008/05/index.shtm - 37k FTC Case List ... Integrity Financial Enterprises, LLC, et al ., FTC v., Civil Action No.: 8:08-cv-914-T-27 MSS; FTC File No.: 082 3120; Integrity Marketing Team, Inc. ... www.ftc.gov/os/caselist/indexi.shtm - 24k Commission Actions for December 2008 ... Federal Trade Commission, Plaintiff, v. Integrity Financial Enterprises, LLC, a limited liability company, also d/b/a Infinite Financial, and National Benefit ... www.ftc.gov/os/2008/12/index.shtm - 30k Financial Institutions and Customer Information: Complying with ... ... card information or other sensitive financial data, use ... preserve the security, confidentiality, and integrity of customer ... Resources at that site may alert you ... www.ftc.gov/bcp/edu/pubs/business/idtheft/bus54.shtm - 29k FTC Case results for Integrity Financial Resources Federal Trade Commission, Plaintiff, v. Integrity Financial ...

and the Internet BBB 

http://us.bbb.org/WWWRoot/SitePage.aspx?site=113&id=46a6a9cd-5402-454e-9476-e4df22e6f371

This gentleman, ( in several AKA's), is well known for his Debt Relief, Credit Repair and other credit related scams.  You need to look at the people before you jump at the offer.

The cut and paste took me 5 times aas long as the research.  It is not rocket science, in fact it is not science at all.  My 7 year old grandaughter does the google search for her school work almost daily.  If she can do it so can anybody else.

 

Well you all have fun, keep sending me company names that are good companies to work with, somebody send me one please.  I have twenty one emails with company names that people asked about and they are all scams...EVERYONE.

 

Take care and keep safe

.   

Hi all,

Once again the Debt Relief spammers are at it.  I have received emails from fourteen so called 'Debt Relief', 'Credit Card Debt Relief' and so on people.  I have twelve email accounts that are for the most part only Business Related.  None of them except the one here and my home email have anything to do with Debt.  My home email because I get most of my bills over the internet.

So how do these people get my email addresses?  I wish I knew because one of those scum bags hit ALL of my email addresses.  Three others hit all but two and the rest hit at least four.  The one that hit all listed himself as an attorney. When I checked for his details on a few sites including the bar association from the state he claimed, the only people who had any info on him was the FTC, two States Attorneys Offices and a number of forums complaining that they had been scammed by him.

Pity that BIG BROTHER can not hang this guy out to dry and make it stick.  Of the other thirteen so called helpers of the poor people needing the services of a Debt Relief Agency,  only one was not listed by the forums and the FTC and that company was on several forums as a scam artist. 

If anybody has anything good to say about any of the Debt Relief Agencies or Credit Repair Companies, please put in a comment about them.  I would love to have something nice to say on this blog about the people involved with this durn debt   People need something to look at in this day and age but somebody like me just blasting their hope for something, anything that will get them out of the hole they have gotten into.. 

See you later, take care and keep safe 

Do not know what a trackback is?  It is a backlink requested by a web site from web site/blog A to website/blog B.  I have got a bunch of them.  The largets number is from debt relief scam site and I accept them because the google search thinks that they mean I am a better site.  More of an authority.  I am certainly an authority of getting into debt.  Now that I am mostly out of debt, I guess I can call myself an authority on debt relief as well.

Did you look at Google and search for debt relief today?  There were 6,620,000 (that is a copy from the page) sites that come up for debt relief.  On the first page there are 17 paid adds, none that I think are truely factual.  I think that in fact most are scams.

 

In the orgsnic side, (to the left and below the paid adds), there is in the number 1 spot, warnings from the Federal Government about the scams.  Seven of the organic sites are involved with the FTC currently due to false statements, ripping customers off and and just plain FRAUD. 

So, get yourself so deep into debt that you will do anything just about to get out from under.  Guess what, paying these blood suckers a percentage of your outstanding debt just gets you that much deeper into debt.  These guys even get a cut from the finance company that you borrowed the money to pay them.  Arn't you lucky?  Arn't you glad you played the debt relief game with these people so they can pay their ceo 7 million dollars a year, (check out the FTC site and search on american),  

Guess it is time for me to go back to my cupboard under the steps for the time being

 

You all take care and keep safe.  Keep out of ddebt also.

 

I have spent years getting into and out of DEBT.  Debt relief is a myth.  I can not stress enough that you need to find a way to control your money.  You can get into overwhelming amounts of debt without even working hard.  Well it takes a little more effort now since the economy has taken a dump on our parades. 

The hardest part of getting out of debt is deciding to take control.   Most of the Debt Relief programs out there are scams.  You need a budget right off the bat.  You need to follow it no matter how much it hurts when you can not buy that beer, take the kids to a movie, can not afford that $100.00 a month or more for your cable bill.  Time to learn how to read again and make use of the public library.  You might even consider learning to walk and play outside again. 

Money can be made in this day and age, without college degrees.  In fact I have a number of very close friends that have masters and PHD's who can not find work in their chosen fields.  How would you like to spend $500K and 8 - 10 years getting the degree of your choice only to find that you can get jobs temping at Manpower or working flipping burgers.  I have a friend who is a PHD and she writes papers for a government agency for less that $50,000.00 a year.  Over 50% of her take home is going for college loans and she will be paying them through 2014 if she keeps paying the scheduled amount.  She makes NO use of her degree, gets no extra money because of her degree.  I have a friend who is 19 who is doing some direct marketing.  He has a GED that a judge required him to get because of some youthful highjinks that he does not use at all.  He is making more in 3 months right now than my PHD friend and her husband do in a year. My son is doing some direct marketing as well, he has an AA degree in Business.  It does him no good where he is at, but it occupied his time and kept him off the street conors most of the time.

You neede to set up your own debt relief program.  You need to take control.  You need to cut back and save.  Yon need to suck it up and accept responsibility for yourselves.  NOBODY else can make you debt free except a bankruptcy judge and they are making that harder to accomplish.  You can find debt relief if you set up your personal program and stick to it.  It took me 9 years after my divorce from my first wife.  I lived like a dog, actually worse than my neighbors dog for most of them.  It is not fun but I can not blame anybody else for that state I was in.  I wish I had worked out a budget and had the mentoring that is available today.

OK, nuff beating everybody up.  Live your life like you mean it, take care of your families and yourselves.  Take care and keep safe.

William

Looking for Debt Relief?  Going to a Debt Relief Agency?  Do not know what a Debt Relief Agency is?  The term, which first appeared in this new bankruptcy legislation, includes anyone who provides any bankruptcy assistance to an assisted person in return for the payment of money or other valuable consideration, or who is a bankruptcy petition preparer. The Act, Title 11 U.S.C. 101(12A) of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 [The Act] and on the Bankruptcy Law Network website in the article, "What Is A Debt Relief Agency?". ,  does not include variations on the word "agency" in the definition; hence, the full statutory term "debt relief agency" is used in print and throughout this discussion.  Now, if you read that, you will discover that almost anybody, including myself because I am writing this blog, can and maybe should call themselves a Debt Relief Agency.  I am not that proud.  I am that concerned.  I can give advice and love to do that.  I do not charge for that advice so you need to figure out what it's worth.

 

ADVICE:

 

Do not get so deep in debt you have to consider Debt Relief..  Almost any kind of debt relief is going to cost you so much more in the long run, cash, time, bad credit rating and of course bankruptcy to name a few. 

If you are in overwhelming debt, talk to your creditors.  They are in most cases going to help you if they can.  That of course excludes the Credit Card Companies.  Until the Federal Government slams them big time, changes the laws that allow them to rape their customers, they do not care.  The just jack your interest rate to the highest allowed in the locality that you live in.  As I said before, 24% in Maryland unless our State Government has gotten off their fat butts and lowered the cap.  Of course this will never happen until they have closed their campaign accounts to the hundreds of thousands of dollars a year that the credit industry dumps into their election coffers.  I think that anybody who has ever run for elected office should never again be allowed to practice law in any form, lawyer, judge or lobbyist.

 

Now that I  have gotten that rant off my chest, back to debt relief.  There are some truly free credit councilors out there.  They are nonprofit corporations and they will help you., sometimes. Other times they do not. Take note,  http://findarticles.com/p/articles/mi_qn4183/is_20060516/ai_n16363730

http://www.boston.com/news/nation/washington/articles/2005/04/17/maryland_firms_chief_tied_to_lavish_spending_spree/

 

You need to do your homework.  Some of the companies are not as nonprofit as they might be.

 

Also, almost any of the debt relief programs that you get into will reflect on your credit rating.  That of course assumes that you have one that is above 0.  Remember, the object of doing this is to get out of debt, not to worry about your credit numbers at this point.

I have bent your ear enough today I think.

 

Also please chime in with your debt relief experiences, good or bad.