Morgan Drexen Integrated Legal Systems/Joanne Shems/Howard/Nassiri Beware!! Unsecure Debt Negotiation/Debt Settlement Anaheim California

All I have to say is thank goodness for Ripp Off Report! I almost fell for this company's (Scam artists) debt settlement agreement. I provided the information they requested in order to give me a estimate. According to their contract agreement (which I would surely not agree to) under any terms or circumstances. They state high monthly payment fees, a Attorney/Client Fee Agreement.

Here is a breakdown of what they state on the contract agreement under Fees, Costs and Expenses. You agree to pay the following fees, all of which will be collected from, and paid through your monthly installments as outlined in the contract. Not to mention that they ask for your bank account #, a voiced check with account # on it, Social Security # in order to give you the estimate..naturally and they actually do pull up your information on the computer to see how much in debt you're in. Sounds legit but, after reading several consumers report, credential checks and complaints here in RippOffReport...one has to wonder what this people are really up to.

a. An Engagement fee in the amount of $1,545.95
b. A $10.00 per check handling fee for each settlement payment made to a creditior
c. A $15.00 fee for any ACH payment not honored by your bank
d. A montly fee of $45.00 to cover costs and expenses for the following; facsimile transmissions, telephone charges, postage and file maintenance; and
e. Upon settlemtn of an acount listed as your Debt, a contigent fee euqal to twenty-five percent (25%) of the difference between the full amount demanded by your creditor at the time and settlement and the amount for which that account has settled.

Okay, so I didn't get scammed as I did do my reasearch on the company and individuals. By the way, how many Debt consultants do they have working for them anyway? Sounds like a lot to me or is the same people changing names constantly.

However, I should have done the research on the company before giving them my personal information. Believe it or not, as a busy mom (no excuses) they caught me at a time that I couldn't get to my computer fast enough to check them out. So, I went along to see what they were all about. My main concern is....they now have my social security number, bank name I bank with and my creditor name & account numbers. I never gave them the account numbers to my creditors but they pulled it up in their system.

So, what should I do besides calling the creditor company and changing my card number? How do I protect my social security number? Personal ID?

I will be checking my credit regularly as usual, but is this enough to make sure they don't scam me in one way or another.

Samantha
Orlando, Florida
U.S.A.