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What should I do?

Posted on: 22nd Mar, 2008 07:18 pm
I am 127,000 in debt with unsecured loans and have been borrowing for the last 3 years to meet payments. I am out of places to turn. I am 38 and have a 685 credit score and am current on every payment. My wife is tired of it and I have no place to turn. I have a meeting with an Attorney in another county this week as far as Bankrupcy. I will move and go BK. Has anyone had any success with Debt management or Debt Settlements. I feel if I am going to ruin my credit I mideswell go BK and go Ch 7? Any thoughts or Advice? I will continue to pay on house and cars. Thanks, Gino
Debt Shield and Curadebt are in the mix. Sifxpert has no creditentials he has to be out. Thanks and if anyone knows of these companies let me know.
Posted on: 15th Apr, 2008 07:41 pm
Gino,

Did you try talking to Debt Shield and Curadebt? well, i've heard they're average settlement companies. Just check out "http://www.debtconsolidationcare.com/settlement/about12961.html" to know more on them.

Thanks.
Posted on: 15th Apr, 2008 11:25 pm
debtconsolidationcare.com/settlement/sifxpert-arrangements.html
Posted on: 15th Jul, 2008 12:37 am
Sixfpert is a scam artist. Debtxpert is scam site. He had to close his forum on his site on July 12 because all of his clients were trying to get a list of clients together to get him prosecuted. I have spoken with 10 clients that he has stolen money from their special checking accounts and not paid the credit card companies. He stole $11,105 from my account and put all my accounts into collection after not contacting me for over 3 months. James Lombardo is the scum of this industry. Spend a little time and do it yourself for about 50%. Most companies with their fees will be at least 55-65% when it is all said and done.
Posted on: 15th Jul, 2008 09:34 pm
Sifxpert, aka Debtxpert, James Lombardo has abandoned his clients and stolen from many of his client's accounts. Sifxpert had to close his debt forum down last week because his clients were using it as a staging area to get a list of victims together. He is a thief pure and simple.
Posted on: 15th Jul, 2008 10:19 pm
Welcome joey.

Thanks for sharing the information with us. It will help the community members. There are other members who have shared this kind of scam with us. So I think you can join this community and help people help people with such information.
Posted on: 16th Jul, 2008 01:27 am
James Lombardo has ties with curadebt, of course curadebt is not going to back that up. James Lombardo used to negotiate settlements for curadebt clients when he worked for American Liberty financial.

curadebt is very expensive charging 5% retainer fee on total debt and 20% commission on settlement savings. Depending on total debt it could be a daunting task to be out of debt in 36 months as they promise.
Posted on: 30th Jul, 2008 03:49 pm
Thanks for the information :)
Posted on: 31st Jul, 2008 05:26 am
That James Lomardo did work for American Liberty Financial a few years back. They fired him, plain and simple. ALF did wonders for me and kept me out of litigation. It is never an easy road but they served me well. You all that have fallen victim to Lombardo need to get together and press charges against him once and for all. Wait until it leaks out why he stole.....
Posted on: 05th Aug, 2008 06:01 am
You are right DK. I called them, they are helping me finish the program i started with James. Thanks for the idea.!
Posted on: 06th Aug, 2008 02:01 pm
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