(925) 529-8771

TOTAL SCAMMERS! VERY PUSHY TELEMARKETERS INSISTING THAT YOU GIVE THEM YOUR PERSONAL AND FINANCIAL INFORMATION IMMEDIATELY! Scammers claiming to help you pay off your debt called thebillcoach.com or thebillcoach.net. They called me several times from several different phone numbers that registered on my callerID as being from several different states in the US. This ph# included. They claim to have "resources" to help you become financially stable. I nominate them for The Lamest Byline of 2012: "Where Knowledge is Power". They do not actually provide any kind of debt reduction service directly. Instead, they claim that they need to collect ALL of your information so that they may offer you “debt solutions”. They do not provide credit management or credit settlement programs. They claim to offer "options" and “resources" to help you when all they are really doing is collecting your information to sell to other telemarketers, or telling you what third-party credit scam or loan or mortgage, etc. you should go get help from. Their extremely ignorant "Knowledge Center” appears to have been written by a 2nd grade Elementary kid. You should read it just to get a chuckle. But what is the BEST part on their website, and what spurred a truly rib-aching laugh from me is that they have a sweepstakes going on now for $25,000, but if you actually read the "official sweepstakes rules" it states that you MUST provide a lot of information about yourself including but not limited to: SSN#, all the other typical personal info, plus ALL of your financial info, color, race, creed, political affilation, sexual orientation, how often you have a bowel movement, and everything else that can fit you into a category and neatly packaged into a profile that can then be sold to ANY AND ALL third-party and/or other telemarting scammers. The rules go on to say that only after you have given them ALL of your info will they give you “PIN#”. Then, you type your PIN into another one of their websites to see if you get a “freeze frame” stating whether or not you are an instant winner. And you cannot do anything whatsoever, at any time, for any reason to pursue the supposedely $25,000 prize. No, really. It really does state that there is nothing you can do claim the prize money. Also you must indemnify them for any reason, at any time, whatsoever including punitive damages, all other court awarded damages, legal fees, etc. When anybody wants or forces you to indemnify them, they want you to defend them in a court of law. They want you to defend them and/or pay any and all legal fees and damages that they may ever be court-ordered to pay. They operate in several different states across the country including California (Orange County right now-2012), Texas (the Dallas area), New York, New Jersey, and more. They have several different company names. But seriously, for God’s sake, DO NOT SPEAK TO ANYONE FROM ANYWHERE FOR EVEN ONE SECOND WHO HAS COLD-CALLED YOU FROM A CALL-CENTER. JUST HANG UP ON THE BASTARDS. THEY DON’T DESERVE ONE SINGLE OUNCE OF COURTESY. THESE PEOPLE ARE THE SCUM OF THE EARTH. Some of their scam business names: URCredit Coach URCCREDITCOACH.COM Thebillcoach.com Billcoach.com Thebillcoach.net billcoach.net Do not confuse the above websites with real, honest, FTC, NFCC, HUD-approved, CFA, BBC approved, credit counseling website advise experts like Lynnette Khalfani-Cox or Neale Godfrey. And the get out of debt guy even gives you step-by-step directions on how to spot a scam. He advises you to print out the directions, and use it as a list of questions you should be asking anybody claiming to offer any kind of debt relief. He even leaves large blank spaces in the guide so that you can “write their answer here”. What straight-forward advice. He goes on to advise that you ask for their state registration number and their state license number, which they may or may not have to have depending on the laws of that state, and then advises that you actually go to the State Attorney General’s website or call them to verify that the numbers are real. Wow. Godfrey is launching this holiday season (2012) a free app called "Green$treets: Unleash the Loot!" a budgeting and finances game for kids ages 5 to 8 that parents and grandparents can check in on as kids play. FTC= Federal Trade Commission CFA=Consumer Federation of America NFCC= National Foundation for Credit Counseling Among other feats, Neale Godfrey, a grandmother and the chair of the Children's Financial Network Inc., a company that provides financial education has also been on the NY Times 10 best seller list for a long time. Lynnette Khalfani-Cox: At www.askthemoneycoach.com is where she offers a huge amount of extremely helpful advice such as make sure you do your research and at least go to some of the free government information websites like nfdm.org among other excellent free resources. http://askthemoneycoach.com/trusted-resources-network/ Getoutofdebt.org ----- Excellent info, advice from the “get out of debt guy”. Neale Godfrey, a grandmother and the chair of the Children's Financial Network Inc., a company that provides financial education. And there are a lot news sources that also offer excellent advice on how not to get scammed.