To Our Readers Around the world, this is a sample of the thousands of emails that we receive each month. These letters are not edited.  Your stand is making a difference and we want to hear from you. If you want your case reviewed by Western Capital, Robert Paisola and the National Media, send a letter to investigations@mycollector.com and give us a VERY DETAILED ACCOUNT of what you are experiencing.  We will post your contact information unless you request to remain anonymous.  This gives the media a way of contacting you as well as class action attorneys and legislators who watch this site.

Regards,

Robert Paisola

CEO. Western Capital

TIME SHARE- http://www.allexperts.com/expert.cgi?m=1&catID=1843&expID=74995

BIZ TURNAROUND -  http://www.allexperts.com/expert.cgi?m=1&catID=1843&expID=74995

CRIMINAL LAW-  http://www.allexperts.com/expert.cgi?m=1&catID=916&expID=74749

COLLECTIONS LAW-  http://www.allexperts.com/expert.cgi?m=1&catID=912&expID=38419

October 13, 2007 Served Papers Today from Unifund

Mr. Robert Paisola

Hello, I was served papers today from unifund on a credit card that has been inactive for over six years.

 I have read your site, and I would like to know if you know any lawyers close to mid Missouri, Keytesville 65261, who are handling cases against them or if I can seek some kind of protection or aid against them from the nation wide class action suit.

 My home address is

 Keytesville Mo 65261

phone # is 1-(660)-288-XXXX

 Thank you for your time,

Laura

October 12, 2007 My Mom Can not Even Afford her Medication Anymore

Mr. Paisola

Hello,  

My name is Jay Wortham.  My mom had a similar situation to one the clients listed on your survey of information.  My mother is 67 yeras old and takes several different kinds of expensive meication.  A creditor has placed a bank levy on her account and my own account since I had her name on it.  My mom can't even afford vital medication and food now because of these levy.  Please hep. (214) 403-XXXX.

October 12, 2007 More Complaints on Unifund

My name is Jamii Stone and I am writing on behalf of my husband Mark Barackman. I recently checked Mark's credit report and found that UNIFUND bought his credit card debt that was last active 2001 yet Unifund states that the last activity on the account is Sep. 2005 yet the account says it was "written off" by the originator Providian Bank in 2001. Is this legal for Unifund to do this? I have not yet contacted Unifund or Providian and they have not contacted either of us. I am afraid and I don't know what to do. How do I get Unifund off my husbands credit report without having to pay exorbitant fees? I visited Unifunds website and did not find a phone number.

Anyone who can help please email me regarding this matter, savethebees@gmail.com Thank You, Jamii Stone Barstow, CA

October 11, 2007 Unifund Class Action request AGAIN!

October 11, 2007 Nationwide Credit for American Express SCAM

CENTURION MEMBER getting reamed by NATIONWIDE!

Long story but these guys have been harassing my wife threatening the taking of assets through lawsuit. I've tried working out a plan, but they refuse, explaining, it is not an option. I have been charging an average of 200-300,000.00 /MONTH for quite some time, and paying perfectly for years! I can get this cleared up but need some time without harassment, until my closings in 1st and 2nd quarter 08'. Please let me know if you can assist. I really want to clear this debt and move on, but I can't handle my wife calling me in tears again!

Thank you,

October 11, 2007 Portfolio Recovery Complaints Mount Up

October 11, 2007

October 10, 2007 Franklin Squires and Rick Koerber owe me $30,000- And Says They Can't Pay!

Hi.  I just wanted to thank you for all of the great information you have provided regarding Rick Koerber and his money scam.  I invested $30,000 of my mom's retirement money in May and started looking on the internet just two months later when I called the note in and was told they didn't have the money.  Interest payments subsequently stopped as well.  I contacted Michael Hines like your website said and got the ball rolling from my end.  I don't understand why more people are not willing to step up to the plate.  Koerber is the bad guy right?  I can't decide if the people I invested with (neighbours') are bad as well or not.  Anyway, I wanted to say thanks.  I'm worried that Koerber is going to walk on this one too.  What do you think??  My phone number is 801-372-0540.  My email is wendyhendry@msn.com.  Thanks!  Wendy

October 09, 2007 “Forster & Garbus” NY law firm www.fgny.com

October 05, 2007 Tahiti Resorts in Las Vegas Does The Right Thing

 Hi, Mr.Robert Paisola,

Yesterday afternoon(oct.4, Thursday). I received a call from consolidated resorts /Tahiti village Las Vegas. they told me they decided to release me from the contact. you do have huge power, I've been begging to them for month). they told me they are going to send me some papers, I have to a certain certain agreement before they cancel my contact. I will provide you more information after I receive their letter.
Once again , Thank you so much for your effect.
Wayne (sheng wang)

QUESTION: I bought tihiti village timeshare on a tour Aug 11 to aug 13, we sighned the contact on Aug 11 saturday, I cancled it on Aug 17 friday, they told me I was one day late for the cancelation.(they say 5 days canclation means 5 calendar days not 5 bussiness days).in my cancelation letter, I also mentioned I sighned the contact under high sale press and the sales man lied to us, so I had a telephone meeting among the sales , company manager and me, I asked the sals 3 questions, 1. did you know you can get much lower price to get the tihiti village timeshare else where ? he answered "no". my second question was 2.during the sals , you told us you bought a timeshare in tihiti village too, what was your price? the sals could not answer that question, instead anwer my question, he kept saying " that is not your business".
I really have a bad feeling about consolidated resorts , a feeling like you cannot trust anybody anytime in this world.I now facing the letter they sent to me with the copy of contact on which full of my signatures,l felt like a animal caught bt  a well designed set up.shame on consolidated resorts tihiti village.
Can you help me , robert?
wayne
kansas city,  waynefromkansas@yahoo.com

ANSWER: Wayne,

Here is the deal, I want you to print out this letter and send it to the Director of Sales at the Resort.

Dear Tahiti Resorts,

My name is Robert Paisola and I am a timeshare trainer and train timeshare sales people around the world.

I have a large readership on our international sites at www.mycollector.com and www.allexperts.com

I do not get involved in in issues until they get to a certain point.

So, this matter has obviously reached my desk, (I am doing a training in Mexico today) and every single word that I utter on this site goes worldwide.

So for googles sake I am going to say your name again... The Tihiti Village Resort Scam and Consolidated Resorts.

I would ask, as a professional courtesy that you immediately refund and process this couples money. They are in compliance and it is obvious that the courts will understand that mail is not delivered on Sunday.

So, if you resolve this matter in a proper manner, you will avoid Attorney General Complaints, Rip Off Report Complaints, Division of Consumer Protection Complaints for the State of Nevada, Clark County, and the BBB. BUT you will also avoid the onslaught of previous customers that you have oversold.

Please let this gentlemen know within 72 hours, and be advised that all calls will be recorded and posted on this site, along with the previous outlined call.

Let us know,

www.RobertPaisola.net


Wayne, if this does not do it, I will take it to the next step.

You are in good hands, and Consolidated Resorts will look at the power we have and have no choice but to agree. If they do not we will issue a press release to all of the Las Vegas Newspapers and that will be the end of this deal.

Am I hard core, hell yes, do I protect my clients, hell yes.  Enough Said.

Please take a second to leave positive feedback so that people in your similar situation can learn from your experience!

Regards,

Robert Paisola
CEO
www.MyCollector.com
www.CollectonIndustryLive.com
www.RobertPaisola.com
www.RobertPaisola.net
www.RobertPaisola.org
www.RCITrainings.com

ABOUT YOUR AUTHOR

Robert Paisola is driven by a passion for people--motivating them to reach for the highest standards of success. As founder and president of many International Corporations including Western Capital and The Success Training Network, Robert trains sales and marketing professionals who want to strive to get to the top...and stay there.

He is a Nationally Recognized Criminal Rights Activist and is very involved with assisting inmates and their families who have been abused by the justice system. See www.PrisonPartners.com

His innovative, no-nonsense approach is based on applying what he has observed in his fifteen-plus years in sales, motivational speaking and debt collection training, thus revealing the common business habits of the top 20% of sales performers in all organizations.

While in Mexico, he uncovered a large time share "fractional sales" scam at the Playa Del Sol Grand Hotel.  His report is located at:

http://www.mycollector.com/news_playadelsolscam.html

Robert's approach works...that's why New York-based Success Magazine has rated Robert Paisola as one of the top-five most effective sales-training professional in the market today.

Robert Paisola's newest book was just released and is available on Amazon.com. Simply type PAISOLA in the main search field on Amazon.com. CONVERSATIONS ON SUCCESS was co-authored with famed author Dr. John Gray and Mr. Tom Hopkins.

Robert Paisola speaks on an International Basis to support his foundation, The Western Capital Foundation.  He is also a noted speaker on the topic of Real Estate and Investments, and is currently underwriting a full scale investigation into the Franklin Squires Organization for equity skimming. You can learn more about this at www.FranklinSquiresLawsuit.com and the blog at franklinsquires.blogspot.com

Routinely Distinguished by The National Speakers Forum, Robert is also a regular contributor to Business Week Magazine, CNN, CNNFN, XM Satellite Radio, The Wall Street Journal, Telemundo International, National Public Radio and many other organizations. Robert Paisola is also an International Travel Writer and Certified Expert for magazines such as Conde Nast Publications and The National Geographic Society. His award winning investigative reporting articles have gained him worldwide recognition.

He continues to look deep into the world of his 78 year old nemesis Bill Bauer AKA CreditWrench or Billie Bauer in Oklahoma at www.BillBauerFacts.com . Read this report for yourself and you decide.

Robert is also a philanthropist, donating much of the money that he receives for his services working with Business Clients to assist in full business turnaround services, to charity. See www.WesternCapitalCharities.com

If you are looking for personalized service, Robert now has a reduced fee schedule for AllExperts.com members at:

http://www.ReputationMD.com and
http://www.WesternCapitalVIP.com
http://www.WesternCapitalTurnaround.com
http://www.FranklinSquiresLawsuit.com

Do you want to see Live Video Results?  Click Here!
http://kdka.com/video/?id=17721@kdka.dayport.com

For more information on Robert Paisola's unique training programs, contact Robert at Western Capital at robert@mycollector.com or at 1-877-517-9555 or visit
http://www.allexperts.com/displayExpert.asp?Expert=74749 or visit www.RobertPaisola.net. If you are in the debt collection business and have not had a certified FDCPA Debt Collector Training, you could be headed for legal trouble.


---------- FOLLOW-UP ----------

QUESTION: Hi,Mr.Robert Paisola,yesterday afternoon(oct.4, Thursday). I received a call from consolidated resorts /Tahiti village Las Vegas. they told me they decided to release me from the contact.(you do have huge power,I 've been begging to them for month).they told me they gonna send me some paper , I have to agree certain agreement before they cancel my contact.I will provide you more information after I receive their letter.
Once again , Thank you so much for your effect.
Wayne (sheng wang)

August 25, 2007 WYNDHAM RESORTS TIME SHARE DOES THE RIGHT THING!

Subject: WYNDHAM - TREND WEST SCAM 70 YEAR OLD MAN- Robert Paisola Responds

 Question: QUESTION:

DEAR ROBERT PAISOLA, MY FATHER PURCHASED A WORLDWIDE WYNDHAM TIME SHARE IN FEB 2007 16000pt THEN IN APRIL THEY CALLED HIM TO UPGRADE IT FOR AN ADDITIONAL 5000pts.  MY MOTHER PASSED AWAY AND HE IS A LONELY GUY HE WENT TO THE WYNDHAM IN PALM SPRINGS, CA  HE LIVES 20 MIN. AWAY HE IS LIVING ON SOCIAL SECURITY AND CANNOT AFFORD THIS.  MY FATHER IS IN HIS MID 70'S.  HE REALIZES HE CANNOT AFFORD THIS AND TOOK A LOAN ON HIS HOUSE.  I NEED YOUR ADVISE please help

 ANSWER: Deb,

So far, every single person that I have profiled on this site that has contacted Wyndham DIRECTLY has been refunded and released.

They know who we are and they have a massive issue with sites like this.

 So, Call Wyndham, explain the situation, and explain the fact that he had to pull money out of his home to cover this.

IF THEY DO NOT REFUND ALL OF THE MONEY, CONTACT ME ASAP, AND WE WILL RUN A STORY AND A PRESS RELEASE ON THIS.

YOU CAN SEND A COPY OF THIS TO WYNDHAM CORPORATE.  YOU MAY ALSO WANT TO READ MY OTHER POSTS ON WYNDHAM. 

A doctors note saying that he is not capable of understanding a transaction like this would also help. I will post that on our International Site, should they refuse to refund.

Please take a second to leave positive feedback so that people in your similar situation can learn from your experience!

Regards,

Robert Paisola

CEO

www.MyCollector.com

www.CollectonIndustryLive.com

www.RobertPaisola.com

www.RobertPaisola.net

www.RobertPaisola.org

www.RCITrainings.com

ABOUT YOUR AUTHOR

Robert Paisola is driven by a passion for people--motivating them to reach for the highest standards of success. As founder and president of many International Corporations including Western Capital and The Success Training Network, Robert trains sales and marketing professionals who want to strive to get to the top...and stay there 

He is a Nationally Recognized Criminal Rights Activist and is very involved with assisting inmates and their families who have been abused by the justice system. See www.PrisonPartners.com

His innovative, no-nonsense approach is based on applying what he has observed in his fifteen-plus years in sales, motivational speaking and debt collection training, thus revealing the common business habits of the top 20% of sales performers in all organizations.

While in Mexico, he uncovered a large time share "fractional sales" scam at the Playa Del Sol Grand Hotel.  His report is located at: 

http://www.mycollector.com/news_playadelsolscam.html

 Robert's approach works...that's why New York-based Success Magazine has rated Robert Paisola as one of the top-five most effective sales-training professional in the market today.

Robert Paisola's newest book was just released and is available on Amazon.com. Simply type PAISOLA in the main search field on Amazon.com. CONVERSATIONS ON SUCCESS was co-authored with famed author Dr. John Gray and Mr. Tom Hopkins.

Robert Paisola speaks on an International Basis to support his foundation, The Western Capital Foundation.  He is also a noted speaker on the topic of Real Estate and Investments. Routinely Distinguished by The National Speakers Forum, Robert is also a regular contributor to Business Week Magazine, CNN, CNNFN, XM Satellite Radio, The Wall Street Journal, Telemundo International, National Public Radio and many other organizations. Robert Paisola is also an International Travel Writer and Certified Expert for magazines such as Conde Nast Publications and The National Geographic Society. His award winning investigative reporting articles have gained him worldwide recognition.

He continues to look deep into the world of his 78 year old nemesis Bill Bauer AKA CreditWrench or Billie Bauer in Oklahoma at www.BillBauerFacts.com . Read this report for yourself and you decide. 

Robert is also a philanthropist, donating much of the money that he receives for his services working with Business Clients to assist in full business turnaround services, to charity. See www.WesternCapitalCharities.com 

If you are looking for personalized service, Robert now has a reduced fee schedule for AllExperts.com members at:

http://www.ReputationMD.com and

http://www.WesternCapitalVIP.com

http://www.WesternCapitalTurnaround.co 

Do you want to see Live Video Results?  Click Here!

http://kdka.com/video/?id=17721@kdka.dayport.co 

For more information on Robert Paisola's unique training programs, contact Robert at Western Capital at robert@mycollector.com or at 1-877-517-9555 or visit

http://www.allexperts.com/displayExpert.asp?Expert=74749 or visit www.RobertPaisola.net

 ---------- FOLLOW-UP ----------

 QUESTION: Dear Robert,

I took your advice and called Wyndham direct at toll free number,they told me to have my father write a hardship letter.  Do you think I should follow up with one as well?

The woman I spoke to at owner services said I was probably out of luck but go ahead and try.  What would you do?

THANK YOU  DEB

ANSWER: Deb,

I think that you need to have you, your father and his doctor write a letter to Wyndham.They will release him. They are to high profile and Customer Service is WAY too important to mess with this. I would also forward this letter to them.

Regards,

 Robert Paisola

CEO

www.MyCollector.com

 ---------- FOLLOW-UP ----------

QUESTION: Dear Robert,

Thank you so much, I spoke to one of the VP and they said they were going to refund him tomorrow and release him of all contractual obligations.  Thank you for every thing

Answer: Deb,

 You made my day. This one letter out of the thousands that I get makes it all worthwhile.  I am so honoured and pleased that there are stand up companies like Wyndham that do the right thing. So, because of what you accomplished, you deserve a big hugg! (((((((((((((((HUGG))))))))))))))))

THAT IS WHY I DO THIS!  CONGRATULATIONS!!!! A letter for others to see to robert@mycollector.com explaining the issue would be outstanding!

Tell your dad I send my love.

Rob

August 20, 2007 NCO COLLECTIONS ABUSE ....AGAIN

Hi Robert,

Below is a conversation I had with a debt collector on Saturday, August 18th, 2007. I would like to know if I can be treated this way. Hopefully you can give me some advice or help. I am located in Saint Petersburg, FL.

Saturday August 18^th 2007 8:16 AM: Message left on answering machine as follows: Michael Fratone very important you return the call. Legal matter being forwarded to Pinellas County. Very important that you or your attorney contact me immediately to discuss. Can be reached at 888-251-5364. I need to hear from you or your attorney within 48 hours. Again 888-251-5364.

I returned this call at approximately 9:00 am on Saturday morning August 18^th, 2007. A woman answered and said hello. I said someone had called and left a message to call this number. She asked my name and I gave it to her. She then said she was calling about a dept for Bank of America in the amount of 9355.00. I said OK. She said I had two options. I could pay 1870.00 down and 200.00 per month to pay off the dept or a settlement of 5600.00. I then asked her for her name and she said Chris Jones. I then asked what company she was with and she said NCO. I told her I could not make a decision today being it was Saturday morning and that I would need to make some calls and talk with some people to see what I could do. She then said let me see if I can get you an extension until Friday and put me on hold. At this point it seemed all was well.

Then another man gets on the phone and starts out by saying we are not going to accept 200.00 per month. I said wait a minute. The woman I just spoke with gave me two options. He then restated her option of the 1870.00 down and the 200.00 per month. Then continued by telling me that I will have attorney fees of 4000.00 and that all my assets will be brought into this. I told him I could not make a decision today and the woman I previously spoke with said I had until Tuesday. (Now the conversation was going so fast that I can’t remember where Tuesday came from or did I mix it up with the 48 hour deadline from the voicemail). He called me a liar and told me that I was being rude. This comment of his was made several times during the conversation. He continued to say that I needed to decide now. I asked him if he had a money tree in his back yard and he said no. I responded that I did not either. I told him again that it was impossible for me to make a decision today. He put me on hold and then came back and said he just checked and said I have 1300.00 available cash on a chase credit card and I could use that. I told him I did not want to do that. He then said he was voiding out all previous options and that I had until 12 o’clock today to make my decision. I asked to speak with the woman I spoke with earlier and he told me she did not want to speak with me. I asked him again if he would put the women back on the phone and he again stated that she did not want to speak with me. I again stated that a decision could not be made today, I said goodbye and hung up the phone. I never did get this man’s name.

Regards,
Michael

August 20, 2007 Allied Interstate Collections - The Saga Continues

Robert Paisola:

My family and I recently moved.  I received a bill for $315 at the end of June, 2007 from my phone company.  On July 6^th, 2007 I called Embarq (the phone company) and informed them that I would be moving and need to disconnect my service effective July 10^th and receive a final bill.  The phone representative told me that I should not pay the bill I had received, but wait to pay the closing bill which would be sent out after service termination.  This was because there would be a credit applied and the actual amount would be lower.

On August 7^th, 2007 the closing bill was cut for $255 due Aug 31^st.   On the same day, a collection letter was cut from Allied Interstate claiming I owed them $315.  The letter indicated that I had to notify them within 30 days if I disputed the debt.  So I called the phone company to verify that the correct amount was $255—they said yes and they accepted my payment over the phone.  The representative at the phone company said that based upon the notes in the computer record, the account should not have been sent to collections—in any case, the account was paid in full and closed as I requested.  They have since sent me a letter confirming all of the above.  They told me that they would inform Allied Interstate, but also advised me to contact Allied Interstate directly and inform them of the conversation I just had with the phone company.

When I called Allied Interstate, I spoke with “AJ.”  He almost immediately started “talking over” me.  After several requests, he let me finish my initial statement.  To which he replied that I was not telling the truth.  Several times during the conversation he repeated the claim that I was not being truthful.  I asked to be transferred to a supervisor.  He replied that there were no supervisors on duty at that time.  Later he told me that HE was the supervisor and that is why he didn’t transfer me.  I asked him for his name—he would only give me “AJ.”  Then I asked for an employee ID number—He said they didn’t have ID numbers (I found out later that this was untrue).  I asked him to acknowledge that I had instructed him not to call me concerning this account in the future—he would not.  I asked him to acknowledge that I had informed him that I disputed the amount on the letter they sent—he would not.

This doesn’t rise to the level of difficulty that many have had, but the tone and MO are the same.  I have reported my experience to the appropriate State Attorney General’s, the Better Business Bureau, and the phone company involved.  I hope this is all over.

 Scott Miles

Gainesville, GA

The addresses I have received for Allied Interstate are:

P.O. Box 361505

Columbus, Ohio  43236-1505

 And

 3200 Northline Ave

Suite 160

Greensboro, NC  27408

 866-898-3991

August 19, 2007 American Express and Nationwide Credit ...Again

Hello,

Friday I had a very unsettling conversation with these folks at Nationwide Credit. They have my AMEX in collections. The balance is $10,013. I was able to have the account held  by promising a $200 payment on Wednesday.  They want me to borrow more money, get a cosigner, etc., etc., to pay this bill in full. I told them that borrowing money to pay off credit was what  got me in this position in the first place.

I am supposed to call them back by Monday, August 20 between 3:30 and 4:00 EDT and let them know what I have been able to do to pay off the account. Well I am not willing to borrow any more money, and frankly with my debt to income ratio it wouldn't be possible without a cosigner. I am willing to negotiate a payment plan, but they insist they don't do that, which I am certain is a lie.

I am not sure if you will be able to answer this by the time I have to talk to them on Monday, but I was wondering if as long as I am making monthly payments if they could pursue litigation. I believe that they have to consider a reasonable offer, which I am prepared to make. Any advice?

Cindy
Atlanta, GA

August 19, 2007 Fairfield Resorts and Wyndham... Again

August 17, 2007  Your Seminar Changed My Life

I saw you today in St. Louis, and was most impressed by you and what you had to say. I’ve always believed Real Estate is the best investment. I dream of investing in it someday.

I am a single mom of 6 children. The road I have travelled has been long and complicated. I have been through two divorces and a bankruptcy with each. My first husband was an abusive alcoholic and abandoned us when I was expecting my fourth child. The second marriage was pushed to the brink when my former husband took all our home equity and assets and put them into his families failing computer hardware company. The equity in the home had been a trust given to my children by my father. During one of the second mortgages my former spouse had arranged to exclude the trust from the title and the trust was lost. We were headed for foreclosure when we separated, so my father purchased the home and allows me and my children to live in it. The house was originally purchased for $300,000. By the time my father purchased it the mortgage was $400,000. The home is now valued close to $600,000. The verbal agreement I have with my father is: he will get $400,000 + any costs of maintenance and repairs + $2500 each month I live in it (the monthly mortgage cost) when the house is sold.

There are several reasons why we don’t sell at this time. Some are legitimate; like size for a family of seven. Some are circumstantial; like I have a child with Cystic Fibrosis and her monthly cost of health insurance is over $900 which is also being paid by my father. Some are emotional; like my father refuses to discuss alternatives until I have sound options. I feel stuck and powerless.

I continue to attend seminars and motivational events to stay positive and inspired. I know in my heart God wanted me to make personal sacrifices for the good of my children. In spite of physical abuse, alcoholism, and the turmoil of divorce, I have raised outstanding children. They help support the household by working hard and paying for most of their own expenses. One of the reasons I keep the house is because we save money on college by the older children living at home and attending a junior college. They are truly some of the most loving and empathetic people I have ever known.

I am proud of my parenting, but there has been a cost. I have not provided well for our financial well being. I have no money or financial skills at the age of 47. I am determined to develop this area of my life. I have worked hard and regained security in all areas but finances, and so my focus is on achieving financial security. I was wondering if you offer scholarships of any kind for you seminars. If so I would love to be considered.

August 17, 2007 Thank You Robert Paisola

My sister recently had the great opportunity to hear you speak in Saint Louis

She was very inspired and motivated to share your success story with the family. Our family is a very close knit family and we have been tossing the idea around about starting a family business in real estate for awhile. Our priorities have recently changed, my father lost his job this year after working with that company for 15+ yrs and my mother was diagnosed with treatable breast cancer and is currently ongoing treatment. So you can imagine how these experiences bring everything to the forefront. My parents owned their own business for 10 yrs in telecommunications in Arizona, unfortunately due to inexperience and no guidance or success coaching, their business failed. We are eager as a family to pull together and use our resources and knowledge to create a family owned business, that can be maintained and operated for generations to come. We are very eager to take your course, my sister wanted to discuss her experience of hearing your VERY motivational talk with us and see where we stood on taking the course etc......She did not sign the roster for fear that she wouldn't be able to take the course, she thought there was a corporate discount or something about bringing an extra person or something along those lines, she is unclear of the details. Is it too late to sign up?

I am looking forward to hearing from you,

Warmest Regards,

August 17, 2007 LDG SERVICES GOES OFF THE DEEP END ... AGAIN

We talked with LDG Services today to a Person named Melissa Cory, who got super angry because I asked her name and the spelling of it and she is the front person for this phone contact.  They call from 813-283-200 and then you can't call them back.

 They have a recording that wants you to call them back at 1-866-281-7743.  We thing we are getting calls from our grown kids or grandchildren and it is these hateful computer recordings. 

 We are listed on the Federal Do Not Call List to stop all the garbage that assaults us and we are trying to stop the spam and the junk mail at home.

 Finally after getting angry because they forever and then suddenly decided to  put me through to a person of Thomas Holcom who is the Manager.

 When I asked him who he was he said I'm with LDG Services.  I asked him what it was and he said a collection agency.  I said where are you located and he said two places, why.  I said I want to have my attorney contact him and he said, that he would contact my attorney.  I told him, my lawyer would not appreciate a call from a stranger and this is true of both of them.  Neither have time to talk to a fast dancing nebulas person that is hiding and will not even tell me what they are having a computer call our house ever since Spring of this year. 

 We are about to the point of having the phone disconnected as my wife is a nervous wreck fro these nebulous recording that state, "call us". Why should we?

 Then he said you have a problem with Verizon and they have contacted him to do something for them.   I asked him who and he would not tell me.  He told me to call a local office and then get the 800 number and track down Verizon wireless.  He said that this all started around 3-29-07 and as Florida was a Debtor State that they will call me from all over the United States whenever they feel like it.  He said they or someone else was also doing this to us.  We checked our credit report and sure enough this is true.

 I have no idea where this is all headed since two years ago, we returned some phones to Verizon and have the paperwork to prove it.  All because of some overcharges as our Childs phone was stolen and then she used her mothers to track it down from some horrible dope dealers in Tarpon Springs, off the Pinellas Trail.  Our daughter, thank God is now in a recovery program and is to finalize that next year. 

 I will likely use some of this information I'm sending you to send to the credit report people as we are contesting the changes by Verizon as you can never talk to anyone who has an education but is a book follower and if it's not in their script they don't know what to do so they keeping increasing a small bill and then bill you more money and never actually provide customer service in the real sense. 

This guy I talked to today said that he is going to put something into the works as I "Refused to Pay" and I don't even know what I am supposed to be paying for or to whom? 

This is the most clandestine thing I have ever experienced in my life. I am going to share this with the local news channels and also with Verizon if I can find out who to talk to.  This will be the true challenge.  Talk about the asterisks on commercials!  Yes, what is it, what is it, what is it?

 Sincerely,

 James Hooker

August 17, 2007

On 8/17/07, Heather Smith <hsmith@crosscountryeducation.com> wrote:

Hello my name is Heather Smith. I received a phone call today from a Patricia Coleman at Creditors Interchange. She stated that if I do not pay my balance off by 8/31 then they would take me to court and garnish my check as well as take out a lien. I asked if I could break the payment up so that I could get this taken care of and she said no that I have to pay it in full. She said that she was going to call my HR dept and if I ended up going to court that it would go from $720.00 to $2300.00. I want to work out a payment, but she said I do not have that option. Is this true? What options do I have? Can she threaten me like that?

 Thank you,

Heather  Smith

August 17, 2007  An Example of a Corporate Account Billing Dispute - Why we do not collect on Consumer Accounts!

I really hate to keep going back and forth on this as well, its always difficult when a client doesn't want to pay for services they agreed too. If we decided to take William Lyon to court, could we could have Saudia and Shannon testify under oath that they knew exactly what they were authorized to "approve" and that they knew if they did not place any orders through the system that they would be billed for our programming hours? 

 I explained this to Saudia and Shannon on several different occasions explaining to them how we do business, and Saudia and Shannon were in complete agreement.  It's not our fault that William Lyon did not initiate the correct training of their employees on how to use the cyberdocs system and therefore deciding not to use a fully functional system that they themselves requested. In speaking with our head legal counsel Paul Fosco he advised me of a legal concept called "apparent authority". If one company (DX) is dealing with people from another company (WL) that appear to have the authority to act on behalf of the corporation (Shannon and Saudia), then their decisions will bind their company. There is no need for us to independently verify whether they actually had the authority or not. William Lyons position on that issue is pure BS. Paul is confident that her e-mail would be completely detrimental to their case and would probably be considered a judicial admission of guilt relative to this issue if litigated.

i never once dealt with Mark Carver, in fact I don't even know what his daily functions are at William Lyon.  All contracts were held Saudia Casper. 

Everything went through Saudia and Saudia and Shannon knew that if they did not order through our system after we performed the programming requests that William Lyon requested that they would be billed for our services.

Saudia and Shannon both told me this many times that they knew exactly what the agreement was.

 If we have to we are prepared to go to court for money we feel is rightfully deserved. We want to explore every avenue if that is what it takes to get payment from William Lyon.

Please let me know what your thoughts are on this situation.

August 15, 2007 We saw you in St. Louis- Can you help?

I saw you in St. Louis yesterday and was impressed with your concern for others. Our not-for-profit community treatment centre focuses on the mental, physical, social and SPIRITUAL recovery of chemically dependent children and adults.

We are soliciting funds to build a serenity chapel on our 18 acrea campus. The total cost would be about $80,000. We have raised about $31,000 and need the remainder.
Will you please assist us. I encourage you to go to our web site-- www.comtrea.org to see more about us. Our Athena center provides the same or better quality of care as the Betty Ford Center but at 1/5 the cost!
Thank you for your caring.
 

August 16, 2007  I loved your presentation..thanks!

I loved your 'talk" today. And was very inspired, I got some deals line up and need a little help. If you can give me a call and we could work something out. Thanks so much, Daven

August 17, 2007  "You Rock Man!"

Mr. Paisola

I just attended an event here in St Louis today and couldn't wait to get home to write you. By far i thought you were the best of them all. I sat on the edge of my seat from the time you first open your mouth till the your final word. I'm still in shock & in a daze because the way you think, your ideology, words of expression, how you enter act with the poor & help them at the drop of a hat & the way you rise your sons is so consistent with my way of life & to hear someone else say the the same things iv been saying & doing for years scared the heck out of me. you go left when every one go's right, you love being different than others and I believe when you said that God put us/me in that dome at that moment to hear you & all the others is a confirmation that I am on the right track to major success's have a beautiful home with not a dime to my name and I cant wait till the day comes when i give my 2 weeks notice to my job that i will no longer need because of the wealth that this real estate game you artistically spoke about. When hear that your class cost $5,000 ,my hard fell in my lap because I knew that there was no way i could afford that fee. I have paid for knowledge & training many times over and if i could have i would have been the first one to sign on with you. I feel that im left sort of dangling, pumped up with all this energy ,greatness & hope from you presentation yet I don't have a means to meet your requirements in order to gain access. Please don't get me wrong, my real estate investment future doesn't end because of this matter because i'm going to get there some how, but you got the juice baby & being under your companies wing would have gotten me where i should have been long ago just that much smarter & faster. Ether you must have been in my head all these years or i may have met some kind of spiritual soul mate in you sir. I'm not nor will i ever be your average being, I am willing to bet my mortgage that 90% of the thousands you spoke to today wont apply this gift you have given us today, but i will even though all of what you said is probably 2% of what i need to do in order to become successful in real estate. I have no doubt that you will be contacting me later on & not just ignore my e-mail because i was setting at the very top of the seating area and i felt your spirit pounding my chest from that great of distance. It takes a lot to move me & you did just that, you explain explained every thing so crystal clear. I loved it how you put the demo's & repub;s on full blast knowing home land security was in the house but you did it anyway. ( Robert Paisola  for president) LOL. Anyways ,it's late and i have to hit the 9 to 5 in the morn but you take care, don't ever stop helping the less fortunate cause I wont and if there is any advice you can give to help me along the way, i thank you for your response in advance you rock man.

Tony in St Louis

August 17, 2007  Your Seminar in LasVegas

I met you briefly at the seminar in Vegas a couple months ago and I have an opportunity that either you or some of your students may be interested in. My primary lead source for mortgage is an Employee Assistance Group that services 25 million employees. We have clients referred to us just about everyday that are going into foreclosure and I do not have anyone to refer them to. I figured that this would be a great opportunity to talk to people that would be willing to sell their property before being foreclosed on and then turn around and rent it back to them if they were interested. I would like to chat with you more about this when you get a moment.
Take Care,
Casey Jenkins

August 17, 2007  Your Seminar in Los Angeles

Hey, I found your Naymz profile and want to get in touch. I attended a seminar where you spoke about so many interested things. I was so sold on your idea I had to get a picture with you. You are an excellent speaker. I had to get my money right before I contacted you. Now that I have made a few sales I am ready to pay and take your workshop. I am so happy i got the chance to meet such an amazing person as yourself. I truly look forward to learning so much more about your techniques. I look forward to seeing you sooner than later.

August 17, 2007  Can you Speak in Illinois?

Hey, I found your Naymz profile and want to see if you speak to local real estate groups in Illinois?
I head up Northern Illinois REA www.northernilrea.com
I am inquiring to see if you are interested and available to speak to my group in 2008?

Thank you,
 

August 15, 2007  The "Law Offices" of Donald S. Burak

Mr. Paisola

I was just reading on your website about a situation similar to mine. In Nov. 1997 I leased a car so that a friend could use it who promised me (orally) to cover the payments but did not do so. I could not afford the payments myself and when the First Union (now Wachovia) kept calling me I told them to just take back the car and leave me alone. My friend had it in PA and they took it and sold it somewhere but there was a deficiency around $6000+, and they kept calling me about that, and later they sold the deficiency to Troon Company collection agency. I was making small payments to them and I think the last one was in 2004 or earlier. Due to tight finances I was unable to continue payments and did not hear from them until just this month (see letter below). Should I be worried about this? Did my payment to Troon in 2004 reset the clock? I don't have much assets, I owe $5K on my car which has 180K miles, and I make just enough to get by.

 I plan to write to them and say I dispute the debt and that the lease contract is past the Statute of Limitations and not to contact me again. Can you advise me on how to word it? Remember, Troon Company is not the original creditor, it's First Union (Wachovia).

 NOTE: if they offered to settle for $500 or so I would be tempted to agree to it. Letters from lawyers make me sick to my stomach and lose my appetite and be unable to function normally. I went through this last year with Chase and ended up paying them 70% of a $3000 CC acct. I can't afford to hire an attorney.

THE FOLLOWING IS AN OCR OF THE ACTUAL LETTER:

 LAW OFFICES OF Donald S. Burak, Esq. Four Greenwood Square * Suite 220 3325 Street Road Bensalem, PA 19020 (215) 642-3400 Fax (215) 642-3401 Toll Free (800) 853-4000

 Member of PA and NJ Bar

 FIRST DEMAND LETTER 9191-13876 558644

 LARRY E. PARENT 2467 STATE ROUTE 10 BLDG 46-1A MORRIS PLAINS, NJ 07950-1315 

August 08, 2007

RE: Creditor: THE TROON COMPANY
 Your Account Number: 558644
 Original Creditor: FIRST UNION BANK
 Original Account Number: 30301140217
 Amount Due: $5704.50

 Dear LARRY E. PARENT,

 This office represents the above named client, THE TROON COMPANY, who has placed the above-styled matter for collection. This is a demand for full payment because you have had ample time to pay your creditor. Sometimes we can arrange installments but you must contact this office for arrangements. At this time, no attorney with this firm has personally reviewed the particular circumstances of your account. However, if you decide not to contact this office, our client may consider all available remedies to recover on the balance due, which may include an attorney review of your account.

 NOTICE OF IMPORTANT RIGHTS

 UNLESS YOU, THE CONSUMER, WITHIN THIRTY DAYS AFTER RECEIPT OF THIS NOTICE, DISPUTE THE VALIDITY OF THE DEBT, OR ANY PORTION THEREOF, WE WILL ASSUME THE DEBT TO BE VALID. IF YOU THE CONSUMER NOTIFY US IN WRITING WITHIN THE THIRTY DAY PERIOD THAT THE-DEBT, OR ANY PORTION THEREOF, IS DISPUTED-,WE_-AMLL-0BTAW___-_ VERIFICATION OF THE DEBT OR A COPY OF A JUDGMENT AGAINST YOU, THE CONSUMER, AND A COPY OF SUCH VERIFICATION OR JUDGMENT WILL BE MAILED TO YOU BY OUR OFFICE. UPON YOUR WRITTEN REQUEST WITHIN THE THIRTY-DAY PERIOD, WE WILL PROVIDE YOU WITH THE NAME AND ADDRESS OF THE ORIGINAL CREDITOR, IF DIFFERENT FROM THE CURRENT CREDITOR. IF YOU NOTIFY OUR OFFICE IN WRITING TO CEASE CONTACT BY TELEPHONE AT YOUR PLACE OF EMPLOYMENT, NO FURTHER SUCH CONTACT WILL BE MADE.

 Please contact our office at 1-800-853-4000.

 This is an attempt to collect a debt. Any information obtained will be used for that purpose. You are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

 9191-DM1-13876

August 15, 2007

Dear Robert Paisola  The Electronic Frontier Foundation Steps Up !

At a packed San Francisco hearing today, the Electronic Frontier Foundation (EFF) defended your Fourth Amendment rights and urged the 9th U.S. Circuit Court of Appeals to let our class-action lawsuit against AT&T go forward. The case demands that AT&T stop illegally assisting the National Security Agency to snoop on its customers' telephone and Internet communications.

 There's much more at stake here than stopping the Bush Administration's illegal spying and holding the telco giant accountable, though. The President is arguing that thin claims of "state secrets" can trump the courts' constitutional duty to uphold the rule of law.

 Without judicial review, there's no way to protect ordinary citizens against government abuses of power. No president, now or in the future, should be allowed unfettered authority to evade the courts and trample on your freedom. As Judge Vaughn Walker wrote in rejecting the government's claims at the lower court, "The compromise between liberty and security remains a difficult one. But dismissing this case at the outset would sacrifice liberty for no apparent enhancement of security."

 For the past 17 years, EFF has been proud to take on the hard cases to ensure that your liberty is not sacrificed unnecessarily. Please support us in this critical case by donating to EFF at http://secure.eff.org/att .

And please spread the word to your friends and family.

Western Capital and Its CEO Support this Cause by Donating Money...

August 15, 2007 DOCUMENT EXPRESS DISPUTE

Subject: Document Express - collection response

Good morning Mr. Catlin,

I am writing in response to a debt you are attempting to collect on for Document Express, File # DE8173.  I have attached a copy of your original collection email, a copy of the invoice we have from Document Express and a highlighted page of our executed agreement with Document Express.  Please take some time to review the items I have highlighted from our agreement with Document Express.  It clearly states that if we are to be billed for custom programming, that we will receive an estimate of work and charges and Document Express will not begin custom programming without our authorization.  We do not have any knowledge that we were given any type of written estimate for custom programming (required by our agreement) and we do not have any knowledge of executing the written estimate (required by our agreement).  Please research this and let me know in writing what you come up with.  I appreciate your time and look forward to hearing from you.

Thank you, 

Heather Hanks

Executive Assistant to Mark Carver

949-471-2010

949-471-2110 fax

William Lyon Financial

36 Executive Park, Suite 200

Irvine, CA 92614

August 15, 2007  Allied Interstate and Intellirisk

Dear Robert Paisola,

Hi, my name is Stephen and while doing some research online I came across the following website (http://www.ripoffreport.com/reports/0/191/ripoff0191302.htm ) which provided me with your name and email address.  I am hoping that you can spare a few minutes to explain the relationship between Intellirisk, Allied, Coldata, and HRI Consulting to me.  Are they all the same company?  From what I can tell Coldata was terminated in 1999 and acquired by Intellirisk, but I'm not sure how the others fit into the mix.  I know someone being harassed by HRI Consulting and because they have an office in the same building as Coldata I was wondering if they are really one and the same.  Any light you can shed on this would be most appreciated.

Email me back or call me at any time to discuss this.

Stephen Sharon
SSharon27@gmail.com
847-542-3934

August 15, 2007   WYNDHAM TIME SHARE AND BLUEGREEN RESORT

Dear Mr. Paisola,

  I am writing because we were owners of a Wyndham timeshare (Ocean Blvd)  and a Bluegreen timeshare.  We attended a meeting in July while on vacation in Williamsburg (Wyndham).  In this meeting we were told that we could reduce our membership fees, increase our ownership, and combine our Bluegreen resort if we simply transferred our ownership from Ocean Blvd to Star Island, Orlando, FL.  There was a big spiel on how it did not matter where you owned, etc, etc.  We liked the idea of less fees and the ability to combine both timeshares into one usage.  We foolishly agreed, but upon reading the contract we found there were some things that were not entirely disclosed or were misrepresented during our meeting.  We tried to contact our Rep, but ,of course, were unsuccessful.  We then, as per contract, sent a certified letter requesting to not go through with the sale and to resume our old contract.  We heard absolutely nothing for 2 weeks.  At that time we received a letter stating that we had only 7 days to change our minds, but we could; however, send another certified letter claiming any misrepresentation or failure to disclose info...the catch was that our 30 day period in which to do that would run out in 24 hours.  We wrote a letter, faxed it and sent a certified copy.  We hold that one of the undisclosed items is a mention of Club dues, and taxes, to be paid over and above the maintenance fees.  The taxes were mentioned and an estimated amount, but the Club fees were no where to be found.  Of course, all of these fees are subject to go up and our usage would never increase, but may very well decrease.  Upon making an effort to go about resolving this and getting absolutely no assistance from Wyndham, we have now decided that we do not even wish to go back to our previous contract...we just want out.  We have seen just how accommodating they can be, and how when you have a question they simply refuse to answer, but they make no bones about demanding that you hold up your end of the bargain..never mind if they don't hold up theirs.

  We are considering just cutting our losses and refusing to pay.  What recourse do we have?

Sincerely,

Robert and Lisa Smith

1554 Keewaydin Road

Frenchville, PA  16836

814-263-4978

August 14, 2007  HILL ERICKSON AND FRANKLIN SQUIRES - FREECAPITALIST.COM.. THANKS ROBERT PAISOLA, YOU SAVED US!

Thank you for your web site. You might have just saved me a huge headache. I am having trouble selling a home and Hill Erickson offered to step in and purchase the home via seller finance. After doing my research I do not think I will go forward in deeding the house to a company who's parent is under investigation. Do you know of any other people who have had trouble with the Hill Erickson portion of Franklin Squires? I would gladly appreciate any information you have on Hill Erickson in particular. I am willing to share what information I have received from Hill Erickson.

 Thank you again.

 Scott German scottgerman@gmail.com

August 14, 2007   WESTGATE RESORTS SCAM

I recently read your answer to Donna about West Gate. We were recently on vacation and were offered free tickets to listen to a presentation that lasts about 90 minutes about West Gate timeshare. We were approached on the street and were asked to put up a deposit of $20.00 and were told that we would get it back. We should have known that was sign of a scam at work. We listened to the presentation and saw the facilities. This was a very nice facility and we would probably had suggested it to someone else if we thought it would be something for them. The salesman was nice at first and very informative. He told us up front that he was not going to pressure us into buying anything. After listening to the presentation, we told him that this was not something for us. We don't take many vacations ( only day trips) and do not have the extra money for buying somthing of this expense. He went to get his manager so we could get our free gifts... His manager came over and started on the sales pitch of how much we could buy a unit for. When we told him we were not interested, he started talking down to us about how we were putting the salesman's job in jeopardy by listening just to get free gifts. He said that we definitely didn't look like a couple that needed a free vacation. My husband is also a salesman and if his boss talked to any of his potential clients the way Mr. Mike Burkitt talked to us he would be out of business. Then the salesman we talked to made a complete turn around.. He acted like we were intruding and treated us very rudely. We hope no one else has to experience the rudeness that we went through. Maybe this is a tactic to upset people and make them leave without what they had been promised. But as I said earlier this was a very nice facility and we might have recommended it to others, if we had not been treated so rudely. I hope when you train salesman , you teach them that treating people like they are your best customer, might change their mind later. We will never go to another timeshare presentation again after this trip.

August 14, 2007  AMERICAN EXPRESS COLLECTION AND BUSINESS TURNAROUND

From: Wendy Glasgow

We are small business. AMEX internal collection department has started demanding payment by tomorrow or it will go to outside collections department and immediately go on my credit as the primary card holder:
Here is breakdown:
Balance is: $58,034.68
-$25,051.19 was due 5/18/07 87 days past due
-$30,508.38 was due 6/19/07 55 days past due
-$ 1,790.26 was due 7/18/07 26 days past due
-$ 684.55 late charge 8/4 09 days past due
My question is: Should we offer and pay anything at this point? We are trying to take out other loans in order to pay this because we do not have the money.

Any advice or help in this matter would be greatly appreciated.

Wendy Glasgow
 

August 15, 2007  CAR REPOSSESSION - CRESCENT RECOVERY

Robert,

I got your email address from a website that was giving some really good information about old debt collection. I am hoping you can help me with my issue.

 In April 2001, I filed bankruptcy. I had a car at the time and wanted to keep it so I told the court I would try to keep the car. After about 40 days it became oblivious that I could not keep the car. So I called my lawyer and told him I wanted to turn the car in.

 He wrote a letter and about 2 weeks later the cops came and got the car. The car was sold at Police auction and that was that. I never seen it again nor was I contacted about a debt again. I was told at the time, over the phone, by the loan company that I did not owe a dime. This was 2001.

 In 2006 I went to refinance my home and seen a company on my credit report claiming I owe $17000.00. I sent a dispute to the Credit Company and next thing I know I get a letter of rejection from the credit company stating that it is a real debt. I did not recognize the name of the company so I called. It was a company called Crescent Recovery. They purchased the debt from my original car loan company who is not out of business.

 They said the 17000.00 was debt plus interest from 2001. I told them I did not owe the debt, that the car was picked up as part of a deal and that was that. I never heard from them again until tonight and yesterday via mail and phone. Tonight they called again saying I owe 18000.00 plus. Now we are in 2007….. They still appear on my credit report and they won’t prove to me how I owe anything at all. All they say is you owe us! I asked them to take me to court or send proof.

 I want them off my credit report and I am never going to pay 18+ - ever…. So what can I do? I got a letter yesterday stating they wanted to make a deal. So I am guessing that they know they have no proof…

 I think the statue of limitations is 10 years in Louisiana. That is where I got the car and signed the loan.

 I am moving to Tennessee in 2 days. Can you help?

August 08, 2007- Unifund Abuse Continues in Georgia

Dear Mr. Paisola:

I have a relative in Georgia who is being sued by Unifund CCR Partners for a Goodyear debt for $835.00 plus interest of $254.24. She isn't represented by an attorney because she can't afford one. They have told her that they will win in court and then they will garnish her check. She is a single mother and only works part time. She is willing to settle the account for $540.51 in monthly installments of $91.00 per month over a six month period.

What should she do? Her answer to the complaint is due this Friday, August 10. She is going to put in her answer her willingness to pay the above amount.

Sincerely,

Denise

 DZANDER@luc.edu

August 07, 2007 - AMEX AND NATIONWIDE CREDIT- HERE WE GO AGAIN!

Hello Robert,

 I enrolled in a debt management program due to financial difficulties and all of my creditors agreed to the terms besides AMEX. I have 2 cards a Platinum and a Gold charge. AMEX wanted to settle with me for 75% of the balance and at that time i did not have the full balance. Now I'm in collection (primary stage) with Nationwide Credit and they are telling me that they can only settle one of the accounts, the Gold charge with balance of $1200 and they will take 60%, but they will not settle the larger balance of $3600 on the Platinum card, according to AMEX's terms. Supposedly they tagged this account as "not to settle" My question is it possible for them to want to settle one account and not the other, can it really be AMEX terms, when they originally wanted to settle? Also, they want settle the smaller account if I don't put anything down for the larger balance, can they do that?

 Please help!

 Karina Fridman karina.fridman@gmail.com

August 07, 2007- NCO IS CAUSING ME TO LOOSE MY BABY UNDER STRESS

Hello, my name is DaJohn Ross and I was completely, and still in awe after reading a post you listed stating that the NCO company is a scam. There reason being is they are currently taking money out of my account for a debt that I due owe, but I was explained to by another person with a consolidation program that it was odd that the company that actually has the account is not the people that I am currently paying the money too. So it would seem to me the holder of my account is still looking to put my wages in garnishment while I am paying a scam company my little bit of funds I have. Please help me. I am young I am pregnant and I have only a little sanity left, and I am trying not to get too stressed and lose my baby.

DaJohn Ross  dajohn_ross@yahoo.com

August 02, 2007- KAVIN AUSTIN BLAKE REALTOR FLORIDA LAWSUIT

Is this lawsuit for real?  I currently am in financial distress after purchasing two properties in Lee County from Austin.  My savings have been exhausted and I am facing bankruptcy.  I am desperately trying to hold on to my primary residence.  My health is failing due to the stress of these transactions.  How do we as consumers redeem ourselves after a fiasco such as this?

 Can I get in on the lawsuit?

 If so, please contact me.

 Hope Boyce

301-843-7497 home

301-643-6913 cell

hmb7913@yahoo.com

August 02, 2007- UNIFUND ABUSE AND SESSOMS AND ROGERS

Hello:

 I am being sued by Unifund and have done a lot of work on my own.

However, I believed that I can not handle this without an attorney.

I am in Rockingham County, North Carolina and the trial date has been set for Sept. 24th.  I had an order from the court to pay attorney fees to Sessoms & Rogers from Durham, NC.  I did discovery and nothing from Unifund will hold up in court, it is all hearsay. I filed a MTS the evidence and a MSJ.  The judge did not listen to me at all.  The judge refused to hear the MTS and then denied my MSJ.  Then I was slapped with

  a court order to pay Sessoms & Rogers attorney fees because I did not answer Sessoms & Rogers interrogatories.  I did answer them as fully as was possible for me.  I told this to the judge and the judge wouldn't listen to me. The judge simply took Sessoms & Rogers word over my word without any evidence.  It is clear that a Pro Se will not be listened to in court.  Discovery papers are not filed in North Carolina.  BTW:

Sessoms & Rogers did not file an opposition to my MSJ or enter arguments against my MTS or MSJ.  Yet, my MSJ was denied.  I am being railroaded by the court system here in Rockingham County, NC.

If I don't get help, I will lose to these scumbags.  The law firm of Sessoms & Rogers are no better than Unifund.  They will lie and cheat their way through.  I have no idea if I can get the court order to pay attorney's fees vacated.  It was $800.00 ($200 X 4 cases)  I only work part time at min. wage.

Please help me or point me to an attorney near me that can help me.

Thanks,

kimberly_anne@gawab.com

August 01, 2007

A Legal Question

Just had a legal question........we made our last payment to Sears credit card in 1/06 experiencing hardship...anyhow, was slapped with a lawsuit in July 06.  Were told that if we paid $300 a month they would take it off of our credit.  Anyhow, the initial balance was $3736.00  and after paying $300 a month for the past year or so, our balance as of March was $3495.......can they do this?  It's a lawfirm/collection agency.  I mean we have already paid $3, 900.00 by this month!!!!   and now they want us to pay that all over again?   Please give me some advice!  Thanks so much.....   Lisa Pond

Westgate Resorts - One Big Big Scam

My husband and I were "pressured" into a partial deal with the Westgate people.  We signed up for the vacation traveller.  We were told by Nathan Blanton (at Gatlinburg Westgate) that after we went for our one week stay at any other resort and that if we did not like it and did not then want to buy into the timeshare that all of our money would be refunded and that the vacation would be on them.  He said "You can't lose!"  Needless to say, after a year of dealing with finding out our daughter had Juvenile rheumatoid arthritis and many other problems, we go to take our one week stay at Westgate Lakes and guess what we are told when we say we can't afford to buy in right now?  We NEVER refund anyone's money.  You must have been mistaken.  Since we don't have that part in writing I guess there's nothing we can do, huh?  Just add us to the list of people who HATE W