Debt Elimination and Credit Restoration

FTC investigates CLOSED Mann Bracken (bk?) and Fred Hanna

http://finance.yahoo.com/news/Buffalos-debt-collectors-apf-2226423347.html?x=0

Good Credit Score Not Good Enough Anymore: A few years ago, a score of 620 or higher was good enough

http://finance.yahoo.com/banking-budgeting/article/108486/good-credit-score-not-good-enough-anymore?mod=bb-creditreports

New report highlights ways issuers have gotten around new law

While the Credit CARD Act of 2009 puts an end to abusive tactics card issuers have long used to boost their profits, consumers need only to look at their card statements to know there’s no reason to celebrate. Read more below:

http://finance.yahoo.com/banking-budgeting/article/108488/credit-new-fees-escape-card-act-rules-surprise-consumers?mod=bb-creditcards

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We are very delighted to post the first article of the new year, new decade regarding junk debt buyer Mann Bracken (again). They are CLOSING in Georgia. This is the headquarters office. Closing – meaning out of business! Bankrupt. All the national offices should fall quickly like dominoes. You can help if you call your AG in your state. The root started here in Georgia so now it is just a matter of time when it will be gone forever.

This has been confirmed with reporters here in Atlanta with this news report.

MB was the largest agency in the US. They got caught. Thanks to Lori Swanson the MN AG exposing this in July. Thanks to ALL the consumers who complained many times to their AG in their state. It gets results. It takes people to get this type of corr*uption shut down. Keep complaining!

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Cavalry Portfolio Services is definitely a junk debt buyer. They have offices in Phoenix, New York, St Paul and Tulsa.

Cavalry will attempt to collect on all types of alleged accounts including Ford, MBNA, Sprint, bks, and SOL.

Here is a recent excerpt about Cavalry Portfolio Services SINCE the NAF scandal hit in July 2009:

“Bud Hibbs site – Dated Sept 2009: Daren Eccles claims to be a Legal Administrator working for Cavalry Portfolio Services, LLC doing recovery for Cavalry SPV I, LLC and of Cavalry Portfolio Services, LLC. Daren’s job is to fill out those papers where they swear under penalty of perjury to the truthfulness of their lies.

Daren Eccles appears to be another one of those clairvoyant liars who can attest to facts that he reads from a computer screen, then swear under oath that what he read is true and correct. Daren surely is aware that lying on a court document is perjury and perjury can mean jail time in most cases.

Darren’s ability to swear to lies under oath is only the tip of the Cavalry problem and here why:
In their filings, Cavalry appears to be using the same old worn out, agreement that was copied thousands of times by Mann Bracken and others on MBNA accounts used in bogus Arbitration claims through the National Arbitration Forum.

The problem is that in August, the NAF imploded after the MN Attorney General found out that they were 40% owned by Mann Bracken, America’s most notorious debt collectors.

Here comes Cavalry, trying to pick the last remaining morsels of dead meat from the carcasses of these decaying debts. They hire Daren Eccles, tell him to dummy up a bunch of phony affidavits, and then hire some lawyers who appear so desperate for income, that they file lawsuits, in courts, on debts that just two months ago, could only be handled by Arbitration.”

FEEL FREE TO COMMENT BELOW ABOUT YOUR EXPERIENCE GOOD OR BAD WITH CAVALRY PORTFOLIO SERVICES.

If you are being contact by Cavalry, or ANY collector, contact our office for your analysis.

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This is a special time of year for me. When I was a little girl, there was a full house of people and we had one of my uncles dress up as santa. I have happy memories of that time. But now it is even more special because for a number of years I know and understand “christmas”.

I celebrate Jesus’ birth this time of year. It is hard not to get caught up in the gifts and parties. It is alot of fun. Most of all I have joy, peace and love in my life. I know I am here for a purpose. My purpose is to serve you.

I want to say blessings to you today…to have joy, peace and love in your life.

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Gobs of news! First, read here about the bk for Axiant / Mann Bracken (article from Bud Hibbs site) Bold emphasis ours.

“AXIANT Bankruptcy Filing No Surprise to Those Taken in Scam!

The bk filing of Axiant, which was the formation of Mann Bracken, Wolpoff & Abramson and Eskanos & Adler should not come as a major surprise, given the circumstances and the players.

Axiant, best known for their massive scam of consumers through direct ownership of the National Arbitration Forum will stand as the largest fraud ever perpetrated upon the public, by a debt collector.

There are (were) several lawsuits against Axiant claiming violations of The Racketeer Influenced and Corrupt Organizations Act (RICO) which could have potentially led to the possibility of loss of law licenses and even criminal charges against those involved.

The bankruptcy filed today in DE is available for review at Bud Hibbs site. 

No surprise that the first creditor listed is Mann Bracken for $10 million, followed by Irwin Eskanos for more than $720,000. (Any bets on who will collect the most $?)

Among those who may not get paid are debt collection lawyers: Blatt, Hasenmiller, $161,638, Zarzaur & Schwartz, $158,257, Howard Lee Schiff, $97,000, Buffaloe &Associates, $92,846, and many more.

Axiant’s orchestrated purchase by NCO apparently may give new life to debts that were obtained by fraud through the NAF, which started this downhill snowball that has led to the bankruptcy filing. No one will be surprised when NCO decides to use the Mann Bracken network as their ‘lawyers of choice’ to collect on these same debts. It’s a ready-made cash infusion that would make Bernie Madoff proud, and MB even more money.

Just think, MB is off the legal hook, they get paid millions by NCO, who then manufactures their own documents that give validity to the grabage that put Axiant into bankruptcy for their fraud. (AIG…what were you thinking …no bail out, it’s legal and you get to screw the public for years to come with no one to pay back or account to.)

NCO can expect massive consumer resistance to Mann Bracken accounts and consumer lawyers may find a highly lucrative practice in taking on these claims as NCO attempts to untangle the mess of Axiant.

Will Mann Bracken stay alive? Our sources tell us that their game plan is to wait for the heat to die down, then back to business as usual. It is doubtful, given their past, that Mann Bracken, Wolpoff &Abramson and Eskanos & Adler will ever again enjoy the credibility they once had. Their reputation in the collection industry is as bad as it gets, so attorneys, judges and consumers will take on a whole different attitude in dealing with these collectors and the havoc they have created.

Does a bankruptcy wipe out the criminal conspiracy used to steal untold millions from consumers? Does the fact that the National Arbitration lied and misled consumers equate to a profit for NCO just because they have the deep pockets to buy the bogus assets of Axiant? Time will tell and the American consumer will dictate who gets their money, not the scan artists posing as lawyers or bottom feeders.

Here is a real opportunity for America to rise against this massive rip off of our money based soley on lies, misinformation, extortion and perjury. The NAF, Axiant, Mann Bracken and associated entities should not be allowed to use the courts for self enrichment at the expense of the American consumer.”

JUST when you (consumers) thought life goes on with NCO exploding with business…

NOW read this…hot news: the shocker and what does this mean for Axiant and Mann Bracken ?

NCO Terminates its Proposal to Acquire Axiant

HORSHAM, Pa., Dec. 8 /PRNewswire-FirstCall/ — NCO Group, Inc. (”NCO”), a leading provider of business process outsourcing services, announced today that it has notified Axiant LLC (”Axiant”) that it is terminating its proposal to purchase Axiant.

On November 20, 2009, NCO entered into an agreement to acquire Axiant, a provider of legal collection services, subject to satisfactory completion of due diligence, the execution of a definitive agreement and other conditions.

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Read below about the new program:

“As you know, we have been helping homeowners with mortgage problems for several years.

We have been successfully helping those facing foreclosure by stopping the foreclosure process, and giving the borrower six months of grace from mortgage payments. By getting the attention of the lender, it usually allows us (or the borrower) ample time to work out some form of relief with their lender.

Just recently we have developed two new programs that we believe will offer even greater benefits to those in some form of distress. Usually in a distressed situation, the borrower finds themselves wanting to either keep the home and get some mortgage relief, or just walk away from it. For whatever reason they might want to keep it, we can cause the mortgage to be completely rewritten, at about 40% of the current market value of it. If they want to just walk away from it (perhaps underwater with the mortgage), we can get them 5% of the current market value for doing so. In either case, their credit does not suffer a foreclosure, a bankruptcy, or any deficiency judgment, and their credit rating may even improve. We cannot address any lates, but those are more quickly resolved by the borrower than the more serious issues.

For those who have recently gone through foreclosure, we are able to keep them in the property, rent free, for six months, enabling them to more easily transition to new housing.

We are also able to completely address relief from credit card debt.” (not relief from collection debt – contact Next Level Unlimited for collection debt elimination)

“Taking Your Credit to the Next Level”

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We are MORE than pleased to announce “HOT off the presses” kind of news! Good news – not so good news announcement.

Not so good news: Junk debt buyer NCO Financial Services is buying Axiant / Mann Bracken.

Good news:Axiant is declaring bankruptcy. Who knows what that means EXACTLY ?

NCO Financial Services is a large collection agency and has a bad reputation. We would like to know what prompted Axiant / Mann Bracken to declare BK and WHY is NCO buying them out? Axiant and Mann Bracken are in trouble moreso ever since the MN AG Lori Swanson brought a case against National Arbitration Forum in July 2009.

In our humble opinion…this was predictable. Ever since that lawsuit exploded in the collection industry, class action suits have come against Mann Bracken all over the country. It is getting hotter and hotter to sustain this kind of exposure and stay in business. Inevitable perhaps?

We ask again, WHY would NCO buy Axiant / Mann Bracken trouble ?

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“Taking Your Credit to the Next Level”

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We wanted to let you know about additional debt collectors. You may have heard of Resurgent and LVNV Funding who pass the collection debt accounts around to their related companies. These collection agencies are not likely to adhere to the FDCPA and are known to sue consumers. They are junk debt buyers and have been in business for many years. What is up with Fieldstone, Granite and Limestone? All rocks?

If you are being contacted by any of these debt collectors (some may not be collection agencies), please do not ignore their attempts to collect. There are steps to debt elimination that you need to take immediately. Contact us for an analysis.

Ascent Card Services II LLC

Ascent Card Services, LLC

Ashley Funding Services LLC

Credit One Bank, N.A.

Fieldstone Asset Management LLC

Granite Asset Management LLC

Limestone Asset Management LLC

LVNV Funding LLC

PYOD LLC

Resurgent Capital Services L. P.

Resurgent Capital Services PR LLC

SFG REO, LLC

Sherman Acquisition Limited

Sherman Acquisition II Limited

Sherman Acquisition L.L.C.

Sherman Acquisition TA LP

Tradd Street LLC

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We heard on talk radio last week something interesting about credit cards. When a consumer pays off the balance in full that month, they will be penalized. We have not confirmed it and still are checking into it. We want you to get rid of the collection debt in your life, clean up your credit report and raise your credit score. We advocate ONE card of your choice only.

We posted this article below for you to read here and click on the link below about 5 other reasons you will be snapped into reality about credit cards. You will eliminate your collection debt and you will raise your score. You may be tempted to get credit cards again.

Five evil things…  

What’s a cardholder to do?

Consumers must pay close attention to the terms of their contracts, staying alert to any changes.

“It’s boring reading, and it can be hard to understand, but that’s where everything is spelled out,” said Lowcards.com’s Hardekopf.

Of course, while there are laws aimed at helping consumers, legislation can’t do it all.

“As we close the loopholes on some things, they open up elsewhere,” said Consumer Union’s Banks. “Reform acts don’t cover everything, and cardholders have to watch out for their own accounts.”

And if you don’t like your credit card’s new terms? “Shop around — you are not married to your card,” Hardekopf said. “It’s a partnership, not a lifelong contract.”

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“Taking Your Credit to the Next Level”

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