877-282-3707

It was (425) 291-8420. I received the same detailed message today. Woman's voice, named Annie from account services. And I got the vm at work.

A computer-generated voice saying "this is Annie with "Account Services," you can lower your interest rate to 4.5% but this is your final notice you must act immediately, call 877-282-3707.  THIS IS A SCAM.

Marie,
I just got the exact same call from "Annie". I will contact the DoNotCal.gov site to let them know. The more people that report them hopefully the better the chance they will be stopped.

I wonder if the DoNotCall people actually do anything...

Limey

Some people are so desparate!  Got the call today on my unpublished work number.  Caller ID said 702-520-1414.  I don't return calls from automated messages.

Got the same message, Annie at 877-282-3707.  What's more interesting is that that message was that on our Magic Jack phone, a number that has never been published and known by Magic Jack and two other people.  Amazing.

I received a call for these people and gave them my personal information.  I had to call my bank to get a new bank account number and everything.   So please be careful and do not make the same mistake that I did.

I sure am glad that I did some research on this, because I almost committed to this scam. Let me tell you my experience. I saw this commercial on T.V. ("Debt Free Life")  Well I have a balance of $21,866.00 on a credit card. What I noticed is that the higher the balance, the higher they raise my interest. Well they just raised it to 14%. So to make the long story short, my min. payment is $479.00 & $268.00 goes to interest. Well as you can see, I'm getting killed on interest. So when I saw this commercial I decided to call. I explained to them my situation & this is what they offered me. First they could reduce my interest from 14% to 7.1%. To start the program I had to pay $681.00 for the first month & after that I would pay $531.00 a month for 54 months. That would come out to $3,780 that I would pay in interest. $71.00 would go to the interest & the rest to the principle. Sounded to good to be true. Then he told me that he needed my routing number & checking account number.So then I asked this gentleman for his name. He kinda hesitated for a second or shall I say started stuttering and gave me the name of George Fuller.877-282-3707. Ext. 4182 I told him I would call him back. I'm glad I didn't.

i received a message from this company a couple of years ago. they gave me a lower APR and the debt was suppose to be cleared in 3 years and some months. i made the prepayments as thy told me that there are no prepayment penalties. now i am just about to be debt free. i would say that this is not a scam of fraud as this has helped me a lot.
thank you debt free life.

Annie called yesterday and I talked to Scott Gray. Called again very pushy about wanting the checking account info and told him I was not intersted. This a huge SCAM and a half. Call the BBB in Boca Barton,Florida and see what they have to tell you.

OMG i got the same call!!! and almost went with it , it just seemed to good to be true and I'm glad i said i would call Scott back and looked on the computer and saw all these postings thanks so much!!!!

Tyler?

Yeah, right...

You sir, are a lieing sack of [***].

No doubt an employee of this scum-sucking garbage that makes a living by breaking the law using an autodialer to introduce waiting employees who are highschool dropouts looking for equally uneducated victims.

It is against federal law since late 2009 to use autodialers with recorded messages almost every circumstance.

Research it yourself online or go to the sites of the FCC or FTC.

Sue this scum! You cannot lose - if you are able to identify the annonymous filth.

I received a call from this number by Heather. She said that she will help me out in having a 6.9% fixed interest rate. She asked me that how much I owe on my cards and than transferred me to Mr.Lewis Douglas. This guy told me that he is a Senior Manager here. He sound very rude and had a broken accent. I asked him where are you calling me from and he said from Florida. He said that this is a government program and the name of the company is American Credit Counselors. He forced me to join the program saying this is your final notice and he can not help me later. Than he forced me to do a verbal agreement and than I was again transferred to an attorney who told me that he will send me a legal contract to sign. When I received the document I cam eto know that how stupid I am that I trusted such a scam. These guys have no affiliation with BBB. Oh I feel so stupid to believe in an [***] like Lewis.

This is a scam operation calling itself "Debt-Free Lifestyle Today."

A recording from "cardholder services" threatens that this will be the final notice (if only!); sometimes it's a man, other times a woman, always with a different name.

Press 1 to speak with a person.

(If you get disconnected, you can call these losers back at 310-568-6007 or 877-282-3707; they have also called me from a variety of area code 406 numbers.)

No matter how many times you deal with them, you'll probably speak with somebody different, always an American-sounding name but a foreign-sounding accent.  I've talked with Janie, Roger, Vivian, Jason, Henry, Ivan, among others.  If you push hard enough, you'll discover that the supervisors have last names - like Phillip Reed, Dexter Young, and Nathan Howard.  (Mr. Howard claims to be the top man; he has no boss, he says.)  It's kind of fun getting through to the actual managers, since most are fictional (like "Mrs. Promin") and spend their entire days in a meeting and can never come to the phone!

The first-line guys think the "company" is based in Boca Raton, FL, but the managers claim it's in Inglewood, CA.  One thing is for sure:  NOBODY will give you an actual mailing address.

They call 2-3 times a day, despite my being on the Do Not Call list and after numerous requests for them to cease and desist calling me.  I've gotten this far in the game.  How can I sue them without knowing their address?  Help!

Recieve message from this number about lowering interest rates and reducing debt and federal reserve program.   They called my Cell Phone.

Hello everyone, I am an ex-employee of The Consumer Law Group, PA out of Boca Raton, FL which you will soon find to be the company ultimately behind all of your woes. What you all are experiencing is very much a massive scam.

The particular company I see most of these complaints about used to go by the name of "Account Services", however, almost a year ago they changed their name to "Debt Free Life". They are amongst several companies that attempt to enroll people into either a credit counseling or a debt settlement program, almost all of these companies are telemarketing companies, however, some of them such as Mark Burton's company, Leads2U (Formerly People's Help Line, or PHL) take only inbound calls that generated from misleading TV & radio advertisements. Some (not all) of these companies will tell the customers that in order to get out of debt they will be charged money to their credit card (some of these fees have been outrageous in the $1,000+ range) and once permission is obtained they draft it immediately. About half of the companies that charge the credit cards will attempt to justify their fees, however, no results are ever really achieved but "work" is performed therefore justifying the charge and then they tell the customers that they were not able to assist them so they are going to transfer them to the "law office" as they are lawyers and are able to help. The other half of the companies don't even try to justify their fees and explained that it was a fee that they collect in order to "refer them to the "law office".

Before the customer is transferred to the "law office", though, they are forced to do a recording agreeing to the program and agreeing that the "law office "may charge a further fee which is somewhere between $199 - $720 to be drafted from a checking or savings account on an agreed upon date that is no more than 2 weeks from that date.

Now the customer will be transferred to the "law office" where a representative will go over the details of the program, disclosing the monthly cost and up-front fees and sending out paperwork by mail, fax, or e-mail. This representative will call you back every other day until your paperwork is signed and returned. What is not openly told to you, however, if you fail to sign the agreement and you do not call to inform a representative at The Consumer Law Group that you are want to cancel the money will draft from your account on the specified date.

Now to be completely honest you would think that most people would never fall for this insanity, however, 100+ people every day did nationwide which astounded me. What made things worse is that if the company drafts the initial fee they have an insane refund policy. You get a full refund if you cancel within 7 days of the recorded conversation with the salesperson which most people's draft date is set for 2 weeks from that date. After that point the person will get back all but $199 of their fee and if the fee was $199 it is considered an "earned fee".

What is usually never disclosed to the customer and only discovered by reading the actual contract is that the debt settlement program comes with a fee of $1000 - $4500 for the entire program and the credit counseling program to be $29 - $49 a month.

If a person even continues on passed this point and sends back the paperwork and continues with the program they will find that the company attempts to do the job they claim to do, however, if they do debt settlement they will more than likely be sued for their debts and the "law office" will advise you that there isn't anything they can really do (the reasoning is that they truly are NOT lawyers, they are simple people like you and I and are not legally allowed to give legal advice). With credit counseling I found that the company did it's job about half of the time with many customers complaining of payments not being made or being made late which a lot of times will mess up the person's credit even worse, and if the contract was not fully read they will be advised that the company or any of it's employees cannot be held responsible for "negligent acts".

Now, the only reason this scam is allowed to run (for 10 years so far) is that these people (Ran David Barnea & Daniel D. Post, 2 Jewish men that are the owners of the company) have 1 attorney to give their "law office" (which is actually just a couple of rented out rooms on the 1st and 2nd floors of the Bank of America building across the street from Sandalfoot Plaza in Boca) a sense of legitimacy. Nobody at TCLG is a lawyer, any type of trained "legal assistant" as they are so aptly named and the entire reason for the law office name on this whole outfit is so that the "law office" can charge the fees for the credit counseling programs since it is illegal to charge the obscene fees that they charge a month for the service. They even make the contract out to show you that the law office charges the fee and the credit counseling agency takes the payment to the credit card companies.

What they do not tell you is that all of the following companies are owned by David Barnea & Danny Post
Leads2U (Formerly PHL) (Sales)
The Consumer Law Group, P.A. (Debt Settlement & fee collector for credit counseling)
American Debt Negotiators (Debt Settlement, Sued by the state of GA resulting in name change to TCLG)
The American Credit Counselors, Inc. (Credit Counseling)
The Consumer Advocates Credit Counselors, Inc. (Credit Counseling)
all of these are contained in different suites at 23123 State Road 7 (US 441) Boca Raton, FL except for Leads2U which is located at 836 S. Military Trail, Deerfield Beach, FL.

They have been through different attorneys and different name changes in the past, I know of the following:
Law Offices of Richard A. Brennan
Capital Law Group

There were more, however, I cannot recall the rest of them.

Account Services which was Debt Free Life at the time of my departure from the company are so nasty and continue to operate for all these years because they are located in Pakistan. I also know for a fact that the "law office" knows VERY WELL that this call center uses automatic telemarketing dialers, does not remove people's names from their call lists, and furthermore lies to almost every single customer they enroll. They have even gone as far as making fictitious recordings of program acceptance.

In response to the massive number of complaints that come in from that company The Consumer Law Group does nothing more than make conference calls to the owners of this call center and are assured that action will be taken against the offending representatives, however, it seemed that they did nothing more than change the fake names of offending reps in the computer system and allow them to continue their dirty practices.

The reason the "law office" continues to accept clients from the company would be the fact that Debt Free Life, along with Leads2U, bring in most of the new customers each day, and they certainly do not want to lose out on their money

I would like at this time, however, to let you all know that the Attorney General of the state of North Carolina has filed suit against the company. You may read the details here: http://www.sun-sentinel.com/business/fl-debt- ... 0,4294464.story

It serves them more than right if you ask me and I hope the lawsuit is massively successful. I do, however, feel sorry for all of the people I used to work with whom will be out of the job if this company is dismantled. I believe that between this lawsuit and the new laws made because of companies like this one (http://www.bbb.org/us/article/new-laws-go-int ... bt-relief-22930) that they won't be around for long and surely Debt Free Life will go down with it.

I know this was a bit of a rant, but, I felt that everyone deserved to know exactly what they are dealing with.

Common eric destifano i know wot u r talking about and i know wot have you been doing you have been the same unless they kickd on ur [***]

Wow, I've been receiving same messages. Skeptical, so I thought I would check online, and found this site. I really should have known better, but I guess when you feel a little desperate, you just want to believe. Thank God people like everyone here speak up and post these things, to snap me out of it. I would have been kicking myself if I got tricked into giving out my info, or money that I can't afford. I've been getting the exact same message, but from all different numbers now. These are a few... 800-847-2911, 1-321-304-9999, 642-119-4102.

These calls are coming weekly or two times a week. Last night was 3:00 A,M.!!!!! The message says, "This is your last chance to reduce your credit card rate during this stimulus.  Push Option 1 now."

I do not have caller ID.  The company name is never mentioned.  I would love to find out who it is and "send them my own message!"

This message starts before the recording machine starts recording it.
They call about once a week with their message.
They claim that we qualify for something with the stimulus package, but the "time is running out"
and we should press 1 on the phone to participate or find out more - my answering machine does not have NUMBERS on it -

I tried to call the number that was recorded in my answering machine back - to tell them to TAKE ME OFF THEIR LIST - I DON'T WANT ANY MORE CALLS FROM THEM - but it's a non-working number - they probably have a dummy number where their calls are forwarded through

their number 877.298.8855

I just called the 866-969-4236 number for American Debt Negotiators. Visited with Anne the supervisor. She indicated that the Card Holder Services are not associated with their business and that the Attorney General in FL has been contacted on their behalf to stop the associated perceived connection. From what I have read, I don't believe her.

The call from Card Holder Services today came out of OR (503), I called back and received the typical "press 1" to discontinue receiving calls garbage, it doesn't work.

Perhaps we all need to contact our US Legislators and apply pressure until they get the point we want these calls to stop. Look up your Representative's numbers at http://www.usa.gov/Contact/Elected.shtml