154 inquiries | Credit Counseling and Management Services Non-Profit
(909) 626-0598
Company Rating
AAA
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based on 0 reviews.
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Complaint Experience
N/A
Membership Information
This business is not a member of Business Consumer Alliance. This fact does not disparage the company in any way.
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BCA's Summary and Analysis:
Complainants allege failure to perform services as contracted for and failure to issue refunds. Customers allege after signing contracts, the company does not perform the debt consolidation or bankruptcy services agreed upon or the company does not provide all information up front about how the service works. Some complainants allege failure to issue refunds, despite numerous promises to the contrary. One complainant was informed by the creditor that they do not accept consolidation plans and the creditor would pick up the furniture. The company responds to some complaints by denying refund requests, apologizing for any misunderstandings, stating they have contacted the customers to explain their services, or offering to send the requested refunds. Other customers complain refunds are not received despite numerous promises by the company. One complainant did receive a refund. Another complainant is dissatisfied with the company's explanations, claiming the company did not inform her of exactly what was going to happen.
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Company Info
This company's business is debt consolidation and financial services.
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Licensing
Nonprofit credit counselors are exempt from the licensing requirement for companies performing similar services if, among the other requirements for exemption, they maintain a $25,000 bond with the Commissioner of Business Oversight. You may verify bonding by calling the California Department of Business Oversight at (213) 576-7500 or visiting their website at http://www.dbo.ca.gov. For businesses outside of California, please check with the agency that regulates this industry.
BCA has no information regarding government actions at this time.
Our experience with similar offers is that some non-profit debt settlement companies utilize for-profit sales organizations to circumvent the registration and fee restrictions placed on non-profit organizations. These companies typically charge hundreds or thousands of dollars in advance of providing the debt settlement services.Any non-profit organization offering credit education, counseling, debt management or debt settlements may only collect $50, in advance as payment for offering education or counseling in connection with these services. Also, they may not collect more than 8% of the monthly disbursement or $35, whichever is less, as a monthly service fee. Debt Settlement fees may never exceed 15% of the amount of debt forgiven and payment may not be collected until the debt is settled. They must also report quarterly to the consumer, the total payments received and total amounts paid to creditors. Any complaint received must be responded to within 5 business days, funds must be disbursed no later than 15 days after receipt, or by a scheduled reimbursement date, whichever is greater.
We know of no other matter or practice relating to this company that may assist you in your consideration of this company.
BCA has no information regarding advertising review at this time.
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