I have a questions about a company that is not an MLM, but could very well be a scam. With all the credit card debt out there I have seen a ton of people in the net offering to, by some secret miracle that only they know, to wipe out all my credit card debt.
One guy brags about all the trips he has been on and thousands he has made by "gifting". I am supposed to send him $5,000 and he will help me find people who are willing to give me $5,000 and it is all based on the Bible. After just a few short weeks God is going to bless me with piles of FedEx envelopes filled with cash because I had the faith to give to others. While the Bible does teach to give to those in need, I do not think this is what God had in mind. I had a phone meeting with the guy and pointed out the fact that if each person that gave got back more than her gave, then someone eventually would be left holding the bag with nothing. The conversations ended right after that due to what he called my "lack of faith".
Quixtar was similar with everyone being taught to push all negative thought out of your brain and fill it only with positive thoughts that Quixtar would put there.
Now comes along a new angle. This time with credit card debt. One group wanted me to basically ignore the collection agents, or actually antagonize them, and then log the calls with the idea if they went over their legal limit I could sue them for all I owed and more and even get back the $2000 I paid this guy to help me sue them. I'll pass on that one too!
Finally I come to the one that peaked my interest. For up to 10 credit cards totaling less than $100,000 in debt I pay $2500 plus a couple of hundred per card. A small payment is then sent to the credit card company or collection agent which they will jump on and cash like a starving catfish on a fat worm. Since the credit card companies supposedly can change their rules and interest rates at a whim, a letter is sent with the check saying that cashing the check allows me to change their rules on them and suddenly I am in the drivers seat. I asked this company to see the letter, but it was privileged info that only this company would send directly to the credit card company. This company would then assume my debt in full and use some back door legal maneuver to get out of paying a dime. I am being very sarcastic about my description because I am trying to convince myself that this is just another bogus scam...but I found nothing bad on the Internet on it. Actually I found not much at all except for a few people that say it worked for them. Starving fish like me tend to start taking chances when they see nothing else to eat. We rationalize a reason for trying something we would have never touched in a sane moment, but time and circumstance tend to make us a little crazy. We go into a "wishful dreaming" state hoping the if we hope hard enough something will solve our financial problems and that shiny thing in the water is really a minnow...without a hook inside.
After all this talking I guess what I want to know if anyone has heard of this idea. It has been offered to me on a couple of occasions and I keep backing away, but I need to do something besides standing in one place till I get a net thrown over me. If it were just me, I could ride it out, but we are down to nothing left and just watching as things are taken away one by one and my wife is the biggest loser. We lost her insurance at the end of the year and it was the only way to afford her bills and prescriptions. We run out of all prescriptions over the next 2 to 6 weeks.
I welcome all comments, but if any of you have "first hand knowledge" and wish to write me I would appreciate it. If you want to tell me about a particular company that you found that was actually legit, you might want to write directly to me at my personal email address rather than posting the name to the MLM Survivors group because that may be seen as soliciting for a company. Consumer Credit Counseling Services are useless because I have no income, at least not a steady one. My email is angelhelp777@
For those of you who wish to tell me to just pay back my debt, I am totally willing to do so, as long as I can work for your company from my home for minimum wage and health care for my wife. My wife is disabled and needs checking on every few hours so I am unable to work else where. There are no jobs anyway in Houston because the one requirement is that you must speak Spanish...but that is another story. Ya'll let me know if you have heard anything about a credit card debt removal company like I described. I really need to get them off my back so I can start taking care of other things more important. Thanks for the help.
James
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