888-983-6850

Yeah they are a debt consolidation company. Very honest people. I didn't enroll in there program because they flat out told me I wouldn't benefit from the program. Very respectful.

Then you wouldn't mind posting the name of this fine organization.

Actually I found them.

Helping America Group

They have worked so hard to get the highly coveted F rating by the BBB.

http://www.bbb.org/south-east-florida/busines ... ton-fl-90129122

BBB Business Review

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This Business is not BBB Accredited

Helping America Group

Find a Location
(888) 983-6850
View Additional Phone Numbers
150 E Palmetto Park Rd STE 800, Boca Raton, FL 33432-4833
https://www.helpingamericagroup.com/

! THERE IS AN ALERT FOR THIS BUSINESS !

BBB® Non-Accredited F Rating
On a scale of A+ to F
Reason for Rating
BBB Ratings System Overview
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BBB Accreditation

Helping America Group is not BBB Accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that lowered Helping America Group's rating include:

76 complaints filed against business
Failure to respond to 5 complaints filed against business.
22 complaints filed against business that were not resolved.
Length of time business has taken to respond to complaint(s).
Business has failed to resolve underlying cause(s) of a pattern of complaints.
Customer Complaints SummaryRead complaint details

76 complaints closed with BBB in last 3 years | 75 closed in last 12 months
Complaint Type    Total Closed Complaints
Advertising / Sales Issues    13
Billing / Collection Issues    10
Delivery Issues    1
Guarantee / Warranty Issues    1
Other    1
Problems with Product / Service    50
Total Closed Complaints    76
Additional Complaint Information

BBB's files contain a pattern of complaints from consumers alleging issues with sales practices related to the offer of low interest rate loans, lowered credit ratings despite the company's promotion that they can help consumers improve their credit, as well as difficulty in cancelling agreements.

Specifically, complainants contacting BBB regarding Helping America Group (HAG)and an
affiliated entity, 321 Loans, report that company representatives indicated they were offering loan funds in the amount of their total debt in order to pay off their unsecured debt, such as credit card debt, with the opportunity to pay back the loan funds at an interest rate lower than the rate they were currently paying.

Complainants further report that although the business drafts monthly loan payments from their bank accounts, they soon learn from creditors that their debt is not being paid, causing increased credit issues and a decline to their credit score.

When they contact the business to find out why their creditors haven't received payments, consumers are told that the loan they have secured is not meant to pay off their debt, but rather provides payment to third ­party companies for their debt reduction services. BBB has determined that the third ­party companies have the same principal owner as HAG and 321Loans.
Loan amounts identified in complaints have ranged from a few thousand dollars to more than $80,000 dollars.

The response generally given by HAG to complaints submitted to BBB is something similar to the following:

"Helping America Group ("HAG") does not refinance debt, consolidate debt, or provide a debt management or debt relief service. It does not collect money from its clients to pay their creditors and/or collectors. HAG earns its fees by validating and investigating the validity of the debt. Then, it works to get the debt dismissed or deemed legally uncollectible."

On February 26, 2016 BBB sent correspondence to HAG seeking the company's cooperation in addressing the pattern of complaints and steps that the company will implement to eliminate the underlying cause of complaints. BBB's report will be updated upon any response from the company.

As of March 28, 2016 BBB has not received any written response from HAG. BBB will continue to monitor complaints and update the review when necessary.

Read Complaints | Definitions | BBB Complaint Process | File a Complaint

Customer Reviews Summary Read customer reviews

2 Customer Reviews Customer Reviews on Helping America Group

Customer Experience    Total Customer Reviews
Positive Experience    0
Neutral Experience    2
Negative Experience    0
Total Customer Reviews    2 Customer Reviews
Read Customer Reviews | Submit a Customer Review | See Trends in Customer Reviews on Helping America Group

Government Actions

BBB knows of no government actions involving the marketplace conduct of Helping America Group.

What government actions does BBB report on?

Advertising Review

BBB has nothing to report concerning Helping America Group's advertising at this time.

What is BBB Advertising Review?

Additional Information

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BBB file opened: 03/03/2015
Business Management

Principal: Mr. Craig Smith (MGR)
Customer Contact: Ms. Yasmin Segrea (Operations Manager)
Mr. Jeremy Marcus (MGR)
Jeremy Marcus is known to SEFL BBB with the following businesses:
Aegis Legal Center, LLC, Helping America Group, LLC, Guardian Legal Center, 321Loans, Inc, American Credit Shield LLC, Financial Freedom National, Inc. and Breeze Financial Solutions, Inc.

Related Businesses

American Credit Security, LLC - 603 Renaissance Ln, Delray Beach, FL Mr. Marcus is also the principal of this business.
Financial Freedom National, Inc. - 1410 SW 3rd St, Pompano Beach, FL Mr. Marcus and Mr. Smith are also principals of this business.
321Loans, Inc - 1410 SW 3rd St, Pompano Beach, FL Mr. Marcus and Mr. Smith are also principals of this business.
Breeze Financial Solutions, Inc. - 150 E Palmetto Park Rd STE 800, Boca Raton, FL Mr. Marcus and Mr. Smith are also a principal of this business.
US Legal Club, LLC. - 150 E Palmetto Park Rd STE 800, Boca Raton, FL Mr. Marcus and Mr. Smith are also a principal of this business.
Paralegal Support Group, LLC. - 150 E Palmetto Park Rd STE 800, Boca Raton, FL Mr. Marcus is also a principal of this business.
Business Category

Debt Relief Services , Credit & Debt Counseling, Credit - Debt Consolidation Services

Alternate Business Names

Helping America Group, LLC, Instahelp America, Inc.
- See more at: http://www.bbb.org/south-east-florida/busines ... h.W2xPDbxJ.dpuf

So what you are saying is that you didn't have enough money available to make it worth while for them to scam you?

Yeah Mike, they're such a great company you're afraid to tell us their name. Funny, that.

I read the review on the BBB after my conversation, and yes I was shocked at what I saw. I am not trying to defend them nor degrade there company. I just know that, not every company on the BBB with an A+ is legit and any company with an F is a scam. Will I go with there company, No. Is there product legit, I don't i never used there service. They do have very bad reviews, but at the same point I don't really ever see good reviews on companies listed on the BBB. Comcast case in point. lol. By the way, the name they went by was InstaHelp America, I was told the purchased Helping America.

I read the review on the BBB after my conversation, and yes I was shocked at what I saw. I am not trying to defend them nor degrade there company. I just know that, not every company on the BBB with an A+ is legit and any company with an F is a scam. Will I go with there company, No. Is there product legit, I don't i never used there service. They do have very bad reviews, but at the same point I don't really ever see good reviews on companies listed on the BBB. Comcast case in point. lol. By the way, the name they went by was InstaHelp America, I was told the purchased Helping America.

This company is no longer in service they are under investigation 8-21-17

Thats why there are no more reports of their scamming:
https://www.classaction.org/news/instahelp-am ... -action-lawsuit
https://www.ftc.gov/news-events/press-release ... ebt-relief-scam

They are under a preliminary investigation and as I said before are no longer in business. They got me for $3,000 Plus in two years*

This group is under investigation and are no longer in business I believe as in last May

Do you have any links to showing that?

Most likely not, considering where he's most likely spouting this crap from