5/3/2010 8:35 AM (PST)

Sharon,

Check out this link to obtain a better understanding of the debt negotiation industry, how they work and how they take advantage of the people who participate.

http://www.facebook.com/TrustLink?v=app_2347471856&ref=ts

Scroll down to: DEBT NEGOTIATORS/DEBT SETTLEMENT - WHAT YOU NEED TO KNOW

6/18/2010 4:21 PM (PST)

Its a SCAM...you are purchasing "Software" called Expert Settlement Professional via a "subscription"? READ the contract very carefully, and your eyes will glaze over, because the debt settlement companies that use this have 15-page long contracts and you are signing approval with 3-4 different companies to "assist" you with Debt Settlement. One company is for your "escrow" account (that charges monthly fees), one company is for the "legal referral", one other company is for the "ESPDA " subscription. HUH??? Something is very fishy here. ESP was started by a notorious company called P&E Solutions, which was related to a now defunct outfit called Lifeguard, also in bed with a company called FBL Associates. Find a company with an A-rating, note the number of complaints on the BBB. I believe they are calling it a "subscription" and selling software because of the lack of a verifiable legal team. And really, do you want a crackpot pre-paid Legal person working on your file for only 2-3 hours? Because thats what you'll be provided with. Hope this helps...I work in the industry.