fraud\scam or good service??

you are a liar, there is no way this statement is true.  Customer service? More like customer ripoff....... why do you post such crap?

Hi Canucks. Glad you posted something positive about S&L because like most posting on this website, I had alot of unsecure debt. I did some research, but it seems there are negatives about so many of these debt relief companies. It was either remortgage my home and pay off my debt, or find a company that could actually negotiate to reduct the ccbalances. So I opted for the later. Yes I have signed up 7 months ago, there are incessant calls from the cc companies and rightly so, (I'd want my money too) and it is nerve raking to skip payments, when you have always faithfully made them. The bank was willing to loan us the money, but there would be no balance reduction, and with it we would have had to sign an agreement stating that we would take out no unsecured new debt for the life of the mortgage. I have a whooping 60,000 dollars in credit card debt, so the bank would have owned me for years.....calling the shots for as long as the life of the mortgage. So 40 months seemed like a better idea, with 20,000 being(or that's the goal) being written off. Yes, like most people posting I had nagging doubts, and still am feeling unsure about whether or not we did the right thing. But , your right, they seem courteous and kind, and because I haven't been in the program for long, it's hard for me to say what they are doing for me. I would love to hear from more people who have completed the program, with the promised results. Still hoping I did the right thing

Your attempt at posting indicates that you may face challenges in both literacy and veracity.  Am I right? I don't really think you are a native English speaker, but if you are, you are a poorly educated one.

Based on the many grammatical, word usage, and spelling errors in your post, I felt it would be useful to provide a definition of the word "shill" for you. 

Know thyself.

From Merriam Webster:

Definition of SHILL

noun
1
a : one who acts as a decoy (as for a pitchman or gambler) b : one who makes a sales pitch or serves as a promoter

intransitive verb
1
: to act as a shill
2
: to act as a spokesperson or promoter <the eminent Shakespearean producer … is now shilling for a brokerage house — Andy Rooney>

} there are incessant calls from the cc companies ... nerve raking to skip payments

That's "wracking" of your nerves, as opposed to collection calls raking you over hot coals. How would those conditions be so different if you conducted strategic default without a middleman? The main if not only difference would be your having money to put food in your pantry and fuel in your tank and keep the house lights on. If you're drowning in debt, you have a better chance of swimming to shore *with* cash to float you rather than letting someone pile your earnings where they do nothing to help.

}  they seem courteous and kind, and because I haven't been in the program for long, it's hard for me to say what they are doing for me.

The worst thieves take your money slowly and with a smile. If you have no measure of performance half a year in to your "relief" program, when will you get one? At a year? Two years? The day you're served a summons for skipping bills and not responding to those calls and letters? How much of your net worth would you like to bet on which happens first?

} Still hoping I did the right thing

I hope so too. The again, blind faith has no place in financial planning.

Is it working???

Hi Sparky. One settlement was at 45% and one was for 43%. No, I didn't receive a statement of claim. I strongly suggest to speak with the representative that was assigned to you if you have or had been served. They actually called me and told me about the settlement and asked me if I would like to accept the settlement offer. Of course I said yes!! Who wouldn't? But in any case, if your a person looking for a quick remedy over night then this wouldn't be the best route for me. The way i take it is, it took me some time to rack up my debt, it will also take time to get out of debt. Just stick with the program and you won't go wrong, that's the advice I will give you. I was skeptical before since it's been 5 months and there were no settlements then the following month they called me and told me about a settlement. The only reason why I was able to get 2 settlements in a year is because I did pay extra more to the program. What's the worst thing that could happen if I did? How can they steal my money if it's a trust account under my name? I can take it out any time at any day, just wouldn't make sense if I did! Hope this helps!

Hi! LJ! Listen, anyone can post just about anything on the internet from from my perspective. And they just don't deserve to be bashed like that since they did something good for me. Like what I said on my previous reply to Sparky. If your looking for a quick remedy over night then this wouldn't be for you. It took me a while to rack up this debt so definitely it wouldn't take over night for me to get out of this debt. I will make this brief and concise. If you have questions contact your representative. Stick to the program, the program works!

For people who thinks that this program is designed to steal your money and do nothing. Check what program term you are in and just how many months in the program are you before you decided that they haven't done anything. Food for thought!

In other words, give you a chance to steal all the money you can before calling you a thief. Scammer logic!

I'm sending your undercooked "food for thought" back to the kitchen. I decided to revisit the Silverthorn & Lupolover promo website that I critiqued in early November 2011. Eight months later not a stitch has changed. The entire plan remains to send your earnings to get stuffed into their cookie jar while your various creditors go unpaid and your accounts race toward default.

How exactly is welching on contracts providing superior negotiation leverage to the debtor? How precisely is that hidden faux escrow meant to prod lenders into suddenly offering cut rate settlements? I simply don't see it, and neither did Steve Rhode when he scrutinized a S&L "debt settlement" contract in February 2012.

Silverthorn & Lupolover Advanced Fee Canadian Debt Settlement Contract Review
http://getoutofdebt.org/34404/silverthorn-lup ... contract-review

The skinny is that S&L sucks up its fees for months before much of any funds are earmarked for creditors, then 'parts and accessories' layer on still more fees. Nothing is refunded past the first month, which may explain repeated pleadings in this thread to "be patient" and hold on to blind trust. Over a few years maybe a couple grand gets shoveled into their money pit and buys what?

S&L can't stop the collection calls, can't prevent you from getting sued, and is probably making no contact with your lenders. You don't get any sort of risk assessment or financial review of your solvency or anything close to a strategic plan of action to suit your circumstances. I guess you do get a monthly bill and warm assurances that you're on a "path to success" or whatever.

Getting back to a concern raised by "xxInsanityxx" in November, there is no apparent contractual penalty for quitting the program. The clause which prevents a refund does, however, offer a strong disincentive. You're in for a penny AND a pound at Day 31. Even better, should you manage to quit before Day 30, you can't sue S&L for whatever reason prompted you to bolt from their barn.

I stand behind my prior statements in this thread and echo those made by several others on this site who have viewed this "service" critically. I classify this approach to debt management under 'ETEC' -- crap from end to end.

Jim,

Unbelievable .... did Silverthorn & Lupolover, Lawyers, LLP do this?

we almost signed up with these people.  Sent them everything and went almost as far as making a first payment.  they promised us that our debts would go down and they'd handle negotiating with our creditors.  What we realized before making any payments is that with all they promise, we could just do the same on our own.  We could just add money to a savings account and negotiate with creditors ourselves.  Our problem was some creditors were taking legal action against us and silverthorn does nothing about that.  
We will still have creditors stalking us and possibly taking further action to get their money.  The only people who can stop creditors in their tracks are trustees.  They are certified and licensed to handle these circumstances.  What the trustee explained to us is that even though silverthorn promise that you'll only have to pay back 35 cents on the dollar, that's not really legal or possible.  See with us, if we had gone with silverthorn, once they have say $2000 to pay off one of our $5000 credit card, the creditors would say they'd think about the settlement, look us up and find out we own our home.  Then they'll come back saying that, nope they'll take the full $5000 owed to them or they'll pursue a forced sale of our home.

The only way we can avoid this is to do a consumer proposal with a trustee.  Yes our credit will suffer, but the trustee contacts all the creditors and forces them to cap their interest and stop their phone calls and any legal action against us.  To us it wasnt worth the risk to pay these lawyers when legally the only people who can stop creditors are trustees.  

Hope this helps.

Only a dishonest person would call you with a fake number claiming to be some service. An honest person would call you and be straightforward with you. He/she wouldn't play any cowardly games with you. An honest person is brave while a coward would lie and fake to get whatever he/she is after. You treat an honest person with respect and a dishonest person like trash. Screw the dishonest coward.

The dishonest coward would use slaves illegal/legal from other countries to do his dirty work. His weapon is the spoofing technology that was invented by a smart person. He's after money and power. He'd lie to anybody to get money and power. The slaves are just a bunch of expendable assets he uses to make money. He is the one who should be screwed fight, and he is the coward that hides behind numbers and slaves.

Believe it or not, the phone numbers and spoofing technology and the slaves he uses will backfire on him and his group. Ye shall reap what ye shall sow now or in the future. If he or his group wants to make money, they'll have to work hard for it. Calling random people with fake numbers and lying to them is no way to make a profit.