I just want to caution anyone who might be considering getting involved with these folks. I found a man by the name of Ron Boston who claims to work for Back Bay Group which must subcontract for Debt Nemesis/Due Process Limited. I thought I had researched as best as I could for debt elimination companies, but not as good as I had thought.
The fee is extraordinary high—like about $3400 for this company to supposedly eliminate your debts legally. After paying my fee to the Back Bay Group, I received a really thick package full of different kinds of books with further instructions as to what to do next. This company almost nickel and dimes you to death. It's one fee after another. Not only do you pay an exorbent fee upfront to just get into this program, but you must pay additional fees per credit card to get them into arbitration-which really doesn't do anything for you anyway, because most times you're going to end up in court in the long run.in addition, they request that everything be sent certified, which is still more additional money.
Granted, the letters they have you send out to your creditors causes them to slow down the collection process and diminishes contact with you-for awhile. Still, there are going to be those that violate no calls and push forward.
After about 6-8 months of attempting to work with these companies, none of our credit cards were eliminated legally as they said they would.in fact, we actually had one of our creditors sue us and attempted to take us to court. Mr. Boston indicated that he would "pay" upto $1000 of his money (which really was our money that we initally paid) for services of a local attorney to represent us in court against this creditor. Not wanting to mess with this no-nonsense company and their unethical practices, we "bailed" from their so-called debt elimination program.
When I inquired about a refund, all I was told was that the 30-day time period had expired. 30 Days! Who are they kidding? There was nothing written anywhere or explained to me that we had 30 days to see if this program was right for us. There is absolutely no way one can determine in 30 days if this program was right for us, because there is no sign of any results that could possibly take place within 30 days. It is a very long, dragged out process.
Funny, how when I emailed their "workgroup" with my inquiry, all of a sudden, they didn't respond like they did previously. To this day, I still haven't gotten a response. Don't even think about sueing them, as they state that all differences will be settled in Florida, and unless you plan to travel back and forth, it's a losing battle.
If you really have debt problems and would really like to eliminate your debts, forget about these companies that are full of empty promises. They only take your money and your out even more. Best advice, consult a consumer credit counselor or seek out the assistance of a local attorney&trust me, it's far cheaper in the end than what these scammers have done to us.
If they are still out there, you can be assured they are still taking money and not really taking care of the problem, just creating a whole set of new ones.
If they were any kind of decent company, they would do the right thing and promptly refund a majority of our money paid. Even a small processing fee can be dealt with, but losing six months of hard-earned money is a tragedy. If I would have known that it was going to cost me so much in the long run, I could have just used this money to pay down several of the cards I owed on in the first place.
Please, please don't get duped by these companies. I may be out my money, but there is no reason that anyone else needs to send another dime to these folks. Put them out of business by not doing business with them anymore.
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