888-532-7109

I did the program and it is legit! Don't be scared, just know that it takes time to finish and you have to be patient! It'll all work out!

you are a liar and a thief.  you guys arent making enough money running the scam now so u gotta leave fake messages here you are not foooling anyone the sooner u are in jail picking up the soap for Bubba the better

I am considering using the Iniquez Law Firm to get out of dept. I am checking references and found this. Can you tell me how well your case was handeled and if possible what percentage they were able to reduce your debt.

Are they a legite law firm, and did they help you get out of debt for real?

Thanks..I am in problems with this Mossler company.
Their personal are young people that play as lawyer.
I have sent many documents which they do not inform to have received. They said to me, we have received a letter from Lawyer about one case. I questioning: Why you don't inform me about this letter?" We do not inform anything".
I have sent Faxes, which says to have not received. They give me three Fax number accusing to have not received my faxes. Yesterday some call and try to handle me like a stupid. They have received one fax. I do not know what can I do.

Debt negotiation is not for everyone.  It does have a bad affect on your credit score.  How it works is that you must default on your credit cards or personal loans.  The creditors are then willing to negotiate the debt amount after not receiving any money after a while.  This type of thing works for some people, and for others it does not.  You have to take that chance.  Some people are lucky and are able to get out of debt with this type of service. Some aren't and can get sued by their creditor.  And for anyone reading this, these law firms CANNOT stop a creditor from suing you.  They can only provide legal advice/counsel.  I know what I know, and the agencies that I question are the referral agencies.  Most of the clients who go to Mossler usually get referred through Epic or Debt Choice.  These agencies get a "cut" from every client they refer.  They want to push as many as they can ($$$) and all the time they will tell clients what they want to hear as to get them to sign the contract.  For instance, that these firms cannot settle secured debts, and they will tell clients they can. People should also read contracts they sign and know what they are getting into.  The majority of the time, everything in the paperwork you signed.  You can't hold everyone's hand.

I am enrolled in with Iniguez Law Firm P.C. and recently got a call from one of my debtors telling me they are a scam....they said that Iniques Law Firm will send me to BKR which is what I am trying to avoid in the first place............please tell me if this is true........

Me too only with The Iniquez Law Firm P.C. I need to know ASAP

Weltman, Weinberg & Reis Co., L.P.A


Cincinnati
525 Vine Street
Suite 800
Cincinnati, OH 45202
(513) 723-2200   Cleveland
323 W. Lakeside Avenue
Suite 200
Cleveland, OH 44113
(216) 685-1000
 
Columbus
175 South 3rd Street
Suite 900
Columbus, OH 43215
(614) 228-7272   Detroit
2155 Butterfield Drive
Suite 200-S
Troy, MI 48084
(248) 362-6100
 

Grove City
3705 Marlane Drive
Grove City, OH 43123
(614) 801-2600  
Web Address: www.weltman.com 


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Bud Says                         Consumer Comments Below

Bottom feeder attorneys collecting for scavengers, filing lawsuits with pleadings and affidavits that fall into the ‘wet ink’ category of possibly being recently manufactured. WW&R work on a commission of what they collect and judgments they are able to obtain. Consumers are urged to vigorously defend any suits being filed by challenging the validity of their documents. Many WW&R court filings result from defendants failing to show; (always the wrong move). Always respond to a suit, show up in court, and challenge everything.

Debt buyers typically file suits that may be out of statutes, have improper pleadings, contain manufactured affidavits, and have no trail of ownership.
Any of these facts may be useful in a defense, which is why is it wise for anyone dealing with a bottom feeder litigator to respond aggressively, on time and armed with information.

Lawyers who deal with assembly line type bottom feeder attorneys tell me that in general they are lazy, make a lot of mistakes, take procedures for granted and are not always prepared for someone who did their homework. Make them work, or make them lose their case--they can be beaten.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.  

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!

FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATOR IN THE COUNTRY

Dealing with debt collectors
http://www.budhibbs.com/start.html

Statute of limitations by state – always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm

Recording calls from debt collectors – always double check with your own State Government website
http://www.budhibbs.com/record.htm



From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.


Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.

The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.

Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.


How can I stop a debt collector from contacting me?

If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:

Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.


What practices are off limits for debt collectors?

Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:

use threats of violence or harm;
publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
use obscene or profane language; or
repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:

falsely claim that they are attorneys or government representatives;
falsely claim that you have committed a crime;
falsely represent that they operate or work for a credit reporting company;
misrepresent the amount you owe;
indicate that papers they send you are legal forms if they aren’t; or
indicate that papers they send to you aren’t legal forms if they are.

Debt collectors also are prohibited from saying that:

you will be arrested if you don’t pay your debt;
they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

Debt collectors may not:

give false credit information about you to anyone, including a credit reporting company;
send you anything that looks like an official document from a court or government agency if it isn’t; or
use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:

try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
deposit a post-dated check early;
take or threaten to take your property unless it can be done legally; or
contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.

Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:

Social Security Benefits
Supplemental Security Income (SSI) Benefits
Veterans’ Benefits
Civil Service and Federal Retirement and Disability Benefits
Service Members’ Pay
Military Annuities and Survivors’ Benefits
Student Assistance
Railroad Retirement Benefits
Merchant Seamen Wages
Longshoremen’s and Harbor Workers’ Death and Disability Benefits
Foreign Service Retirement and Disability Benefits
Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.

It depends.  The creditor may just be saying that to scare you.  Only you would know.  Are you in really serious debt?  Just so you know, the longer you are with services like debt settlement, the more probable it is your creditors will take you to court.

Hmmm do you find that legitimate companies have so many glowing posts on this site?  

NO THEY DON'T.

The people who are running this scam are being hurt by this site and they are making fake posts to try to control the damage.

You should get a real attorney before these crooks drain all of your accounts and credit. YOU ARE BEING SCAMMED.

Can you tell me if the Iniguez law firm has a real office Joann, I can only find their PO box.

daily calls from Wellman, Weinberg and Reese
         DAILY
   No answer when you call back:    1/800-325-9965

Is the Iniguez firm a branch of the Mossler firm?  How can I verify that it's a valid A+ consumer benefit business?

i just signed up with the mossler group. is it worht it

The truth is the whole system is a scam. These attorney offices such as Seideman, Palmer, Mossler, lexxiom and so on, are supposed to be on your side but they aren't.  They charge illegal outrageous amounts for alledged legal services when you can do the work yourself.  They're in it to get rich, that I am sure of.  Hi38 got it all correct.  Now there is a ex or current employee who spilled all the dirt about the scam going on there.  The funny thing is everything Hi38 stated is all true!!!! ALL OF IT IS TRUE!!!!  

These collection agencies and alleged collection attorneys for example Weltman Weinberg and Reese are in on it with the people you hired to help you.  They all make commission off your debt including the people you hired.  The two go hand in hand.  Offer a settlement yourself to these collection people and bypass the attorney scams.  Better yet read the "Fair Collection Laws" and protect yourself against the phone calls.  
You can beat them at their own games.  Be sure you get a agreement letter in your hand with details of the settlement account before you authorize any payments.  Be sure the account number, dollar amount, and due date for payment to be received by all match up to what you agreed to.

As for the original attorney Charles E. Ames, Attorney at Law, nice web site.  There's nothing there, are you for real?  Then there are the comments from Jessie and John?  Repeat after me "DAMAGE CONTROL".  So obvious you are paid to say nice things.  They work for Lexxiom Inc and I bet they have no rights to practice law.  And clients thought they hired a real attorney?  You really hired scumbags like Jessie and John to settle your debts.  How big was your commission check last month boys?  How do you sleep at night knowing the company you work for "Lexxiom Inc." is stealing from their clients.  Don't believe what they had to say.  SCAMERS!!!

Hello I seen your message and wanted to know if you found any more info on the debit relief company?They said law office of Mossler would represent me and I could cut my debit in half.The first payment would go to them and then there after to the law firm in a trust while they are settling with the creditors.She said she would email be everything about the program but have not receive anything yet.I guess that should be a clue huh.Your message really shed some light on how these companies work.So if you found anymore info please let me know Thank You!

People are looking to get out of debt,not to put thousands of dollars in the scamers pocket. This company is doing alot of illegal activity. If you are a client. I suggest you cancel now.  If you are an employee I suggest you start looking for a new job. It won't be long before they are no longer in business.   Lexxiom is a scam!  Smart debtors is a scam!  Mossler is a scam! Palmer firm is a scam! Seideman Law Firm is a Scam! Debt choice & Epic are the main connection scammers.  Be aware!  Be Scared!  Settle your debt yourself.  Its important that you get your facts correct.  They are not legitamate. Thousands of clients are being scammed by theses company's listed above everyday.

Just became involved with Mossler. Signed paperwork! How do I get out of it Now?

Did you find a firm to help you out? It appears you did your homework and I am trying to find a repitable firm