Business Recovery Services Business Recovery of Money paid to Internet Business Rip-offs Mesa Arizona

This complaint is a sad testimony to how misinformed our state, federal, and consumer advocacy agencies are regarding a client's ability to recover their money from a company which is out-of-business. There are several issues within this letter which need to be addressed.

First, Business Recovery Services NEVER told this client that the letters don't work anyway. Business Recovery Services has had many former Horizon Technologies' clients who have recovered their hard-earned money just by mailing in the kit's contents. Business Recovery Services cannot guarantee that a client will recover their money just by mailing in the kit's letters because every case is different. However, Business Recovery Services has recovered well over one hundred thousand ($100,000) dollars just for former Horizon Technologies' clients. To verify this information, please go to Business Recovery Services' website, www.businessrecoveryservices.net.

Second, the state, federal, and consumer advocacy agencies really know very little about recovering money from credit card companies. For example, this client did experience first-hand how easily these agencies will pass the buck and say that they cannot do anything. However, Business Recovery Services is quite knowledgeable in this arena. I have attached a letter from the acquiring bank of Horizon Technologies (Powerpay, LLC) and the response of Business Recovery Services for your perusal.

As you can clearly see, Business Recovery Services has been very effective in recovering money for former Horizon Technologies' clients. After all, if Business Recovery Services was not effective in its efforts, then we would have NEVER received this letter.

Complaint Letter from PowerPay, LLC

FENNEMORE CRAIG, P.C.

3003 North Central Avenue, Suite 2600
Phoenix, Arizona 85012-2913

Nicolas B. Hoskins

Direct Fax: (602) 916-5619

thoskins@fclaw.com

June 12, 2009

VIA HAND DELIVERY
& CERTIFIED MAIL (RRR)

Brian Hessler
Business Recovery Services, LLC
1551 W. Crescent Aye-
Mesa, Arizona 85210

Re: DEMAND TO CEASE & DESIST: Inducement and Facilitation of

Fraudulent Chargebacks Concerning Horizon Technologies, Inc.

Dear Mr. Hessler:

Fennemore Craig, P.C. represents PowerPay, LLC (PowerPay) in connection with its contractual relationship with Horizon Technologies, L.L.C. (Horizon). PowerPay provides merchant credit card processing services, and in particular provided those services to Horizon in connection with its business. As a consequence of that relationship, PowerPay is responsible for making payments to credit card providers when card customers make claims for chargebacks.

We are informed that you and your organization are soliciting former Horizon customers to make chargeback claims to their credit card providers. We are further informed that you are facilitating or otherwise inducing these chargeback claimants in making false statements in order to secure refunds to which those customers are not entitled. This conduct is causing PowerPay considerable harm.

As such, PowerPay hereby makes demand that you and Business Recovery Services, LLC immediately cease all actions to solicit chargeback complaints against Horizon, or to otherwise assist in the preparation of chargeback complaints against Horizon. PowerPay further demands that you provide written verification of your compliance within ten (10) days of this correspondence. Failure to comply may result in PowerPay pursuing further legal action against
you and Business Recovery Services, LLC.

FENNEMORE CRAIG, P.C.

Brian Hessler
June 12, 2009
Page 2

We trust that you and Business Recovery Services, LLC will responsibly consider this demand. We look forward to your timely response.

Sincerely,

FENNEMORE CRAIG, P.C.

Nicolas B. Hoskins

NBH/ssi

2205987

Response Letter to PowerPay, LLC

Law Offices of Michael E. St. George

A PROFESSIONAL CORPORATION
ATTORNEY-AT-LAW
Admitted in Arizona and Texas

(480) 968-0436 FAX

440 E. Southern Avenue
stgeorge@stgeorgeIaw.com

Tempe, Arizona 85282-5216

June 27, 2009

Nicolas B. Hoskins
3003 n. Central Ave., Suite 2600
Phoenix, Arizona 85012-2913

Re: Business Recovery Services, LLC

Dear Mr. Hoskins:

This office represents Business Recovery Services, LLC. Your letter of June 12th, 2009 has been forwarded to me for response.

We are surprised that Powerpay, LLC would step outside the chargeback process in order to attempt to halt legitimate chargebacks. As a credit card processing servicer I am sure you are aware that your client has agreed with both Visa and Mastercard to abide by their chargeback process requirements. All the chargebacks that have been obtained by my client on behalf of its customers have been obtained by following such requirements. Making this demand is outside that process.

Further, your client is responsible for losses suffered through chargebacks occasioned by unscrupulous marketers of misleading and worthless products. It is also responsible for merchant chargebacks even when the merchant is unable to honor such chargebacks. With the closing of Horizon Technologies, LLC that obligation may well fall on your client. It is a risk that your client assumed.

According to the Better Business Bureau, Horizon Technologies, LLC is a subsidiary of Net Direct Marketing, LLC. A common principal to both entities was or is Chester Frank Bissett, who recently has plead guilty to fraudulent conduct with respect to selling websites that sell GPS devices and seller- assisted marketing programs that promote the website. He awaits sentencing. Another Net Direct Marketing, LLC principal, Paul David Angel, also pled guilty to fraudulent conduct with respect to selling websites that sell GPS devices and seller-assisted marketing programs that promote the website. He also awaits sentencing. Ironically, according to the Arizona Corporation Commission, the last name of the members on record for Horizon Technologies, LLC is Angel.

Under both VISA and Mastercard USA Operating Regulations, your client had an obligation to perform a thorough investigation of Horizon Technologies, LLC before accepting Horizon Technologies, LLC as a merchant. Powerpay, LLC elected to assume the risk of processing Horizon Technologies, LLC's VISA and Mastercard sales and must look to Horizon Technologies, LLC for recompense.

My client has made and makes no misstatements, at any time, to anyone, in order to facilitate its customers obtaining chargebacks (refunds).This is categorically denied, and strict proof is demanded of such allegations. We demand to know who said such false statements have been made. We will investigate every allegation. Please provide all necessary information to this office for a complete investigation at your earliest convenience.

My client, accordingly, declines your demand that they Cease and Desist. After receiving the requested information and investigating same, we will further respond to your letter.

Thank you.

Sincerely,

Michael E. St. George

Now, if this letter and our website, www.businessrecoveryservices.net, do not demonstrate how effective our kits and recovery services have been in the past for former Horizon Technologies' clients, then I don't know what else I can do to illustrate the effectiveness of Business Recovery Services' kits and recovery services.

If you would like to attempt to recover your hard-earned money from either Horizon Technologies or any other ill-fated home-based business, then please call us at (480) 649-4251.

Brian Hessler

This guy, Brian Hessler and his company of felons, Business Recovery
Services is a crock of deceit!  They use fear tactics and bully tactics
to take money from scared people in a downturned economy.  He and his
entire staff have been verified to have rap sheets that all include
felony fraud.  Don't give him a dime!!!!  RUN RUN RUN!!!  Brian Hessler
and Business Recovery Services BRS is a FRAUD FRAUD FRAUD!!!

First AzadSpecialties of KS reports that Mr. Hessler's material is woefully lacking and ineffective.

Then Mr. Hessler is posts the response of an attorney working for the someone that had made a complaint using Hessler's materials.

Azad states that everyone rejected or did not respond to the letters Mr. Hessler had created for them.

The attorney moves for a ceist & desist for wrongful chargebacks against his client.

And Mr Hessler gets to advertise his company in his letter. 'Give us a call!'

Clearly Hessler's approach is to make complaints through all possible venues: State Attorney Generals, Better Business Bureau, US Postmaster, and credit card companies. You can do that without spending $200 for boilerplate letters. Ask your credit card company about chargebacks. They will tell you the limitations.

Mr. Hessler's tactic is to claim the charge was in a "fraudulent & Unscrupulus manner & they never performed the services."

Which is ironic, because it appears that is what Hessler does.

And if the letters don't work...for 25% fee, he'll go to bat for you! What a guy! 25% here...25% there...print off letters from the template for $200 each...easy money!

At the AZ BBB, he has 9 complaints, all in the past year. His 'return policy' is a joke - no return unless there was an error in filling your order, and they have two tries to make it right.

Slippery slope warning! Stay away from this guy...never throw good money after bad!

This complaint is a sad testimony to how misinformed our state, federal, and consumer advocacy agencies are regarding a client's ability to recover their money from a company which is out-of-business. There are several issues within this letter which need to be addressed.

First, Business Recovery Services NEVER told this client that the letters don't work anyway. Business Recovery Services has had many former Horizon Technologies' clients who have recovered their hard-earned money just by mailing in the kit's contents. Business Recovery Services cannot guarantee that a client will recover their money just by mailing in the kit's letters because every case is different. However, Business Recovery Services has recovered well over one hundred thousand ($100,000) dollars just for former Horizon Technologies' clients. To verify this information, please go to Business Recovery Services' website, www.businessrecoveryservices.net.

Second, the state, federal, and consumer advocacy agencies really know very little about recovering money from credit card companies. For example, this client did experience first-hand how easily these agencies will pass the buck and say that they cannot do anything. However, Business Recovery Services is quite knowledgeable in this arena. I have attached a letter from the acquiring bank of Horizon Technologies (Powerpay, LLC) and the response of Business Recovery Services for your perusal.

As you can clearly see, Business Recovery Services has been very effective in recovering money for former Horizon Technologies' clients. After all, if Business Recovery Services was not effective in its efforts, then we would have NEVER received this letter.

Complaint Letter from PowerPay, LLC

FENNEMORE CRAIG, P.C.

3003 North Central Avenue, Suite 2600
Phoenix, Arizona 85012-2913



Nicolas B. Hoskins
Direct Fax: (602) 916-5619
thoskins@fclaw.com



June 12, 2009


VIA HAND DELIVERY
& CERTIFIED MAIL (RRR)

Brian Hessler
Business Recovery Services, LLC
1551 W. Crescent Aye-
Mesa, Arizona 85210

Re: DEMAND TO CEASE & DESIST: Inducement and Facilitation of
Fraudulent Chargebacks Concerning Horizon Technologies, Inc.

Dear Mr. Hessler:

Fennemore Craig, P.C. represents PowerPay, LLC (PowerPay) in connection with its contractual relationship with Horizon Technologies, L.L.C. (Horizon). PowerPay provides merchant credit card processing services, and in particular provided those services to Horizon in connection with its business. As a consequence of that relationship, PowerPay is responsible for making payments to credit card providers when card customers make claims for chargebacks.

We are informed that you and your organization are soliciting former Horizon customers to make chargeback claims to their credit card providers. We are further informed that you are facilitating or otherwise inducing these chargeback claimants in making false statements in order to secure refunds to which those customers are not entitled. This conduct is causing PowerPay considerable harm.

As such, PowerPay hereby makes demand that you and Business Recovery Services, LLC immediately cease all actions to solicit chargeback complaints against Horizon, or to otherwise assist in the preparation of chargeback complaints against Horizon. PowerPay further demands that you provide written verification of your compliance within ten (10) days of this correspondence. Failure to comply may result in PowerPay pursuing further legal action against
you and Business Recovery Services, LLC.



FENNEMORE CRAIG, P.C.

Brian Hessler
June 12, 2009
Page 2


We trust that you and Business Recovery Services, LLC will responsibly consider this demand. We look forward to your timely response.


Sincerely,

FENNEMORE CRAIG, P.C.




Nicolas B. Hoskins




NBH/ssi


2205987




Response Letter to PowerPay, LLC


Law Offices of Michael E. St. George


A PROFESSIONAL CORPORATION
ATTORNEY-AT-LAW
Admitted in Arizona and Texas





(480) 968-0436 FAX 440 E. Southern Avenue
stgeorge@stgeorgeIaw.com Tempe, Arizona 85282-5216



June 27, 2009


Nicolas B. Hoskins
3003 n. Central Ave., Suite 2600
Phoenix, Arizona 85012-2913


Re: Business Recovery Services, LLC

Dear Mr. Hoskins:

This office represents Business Recovery Services, LLC. Your letter of June 12th, 2009 has been forwarded to me for response.

We are surprised that Powerpay, LLC would step outside the chargeback process in order to attempt to halt legitimate chargebacks. As a credit card processing servicer I am sure you are aware that your client has agreed with both Visa and Mastercard to abide by their chargeback process requirements. All the chargebacks that have been obtained by my client on behalf of its customers have been obtained by following such requirements. Making this demand is outside that process.

Further, your client is responsible for losses suffered through chargebacks occasioned by unscrupulous marketers of misleading and worthless products. It is also responsible for merchant chargebacks even when the merchant is unable to honor such chargebacks. With the closing of Horizon Technologies, LLC that obligation may well fall on your client. It is a risk that your client assumed.

According to the Better Business Bureau, Horizon Technologies, LLC is a subsidiary of Net Direct Marketing, LLC. A common principal to both entities was or is Chester Frank Bissett, who recently has plead guilty to fraudulent conduct with respect to selling websites that sell GPS devices and seller- assisted marketing programs that promote the website. He awaits sentencing. Another Net Direct Marketing, LLC principal, Paul David Angel, also pled guilty to fraudulent conduct with respect to selling websites that sell GPS devices and seller-assisted marketing programs that promote the website. He also awaits sentencing. Ironically, according to the Arizona Corporation Commission, the last name of the members on record for Horizon Technologies, LLC is Angel.

Under both VISA and Mastercard USA Operating Regulations, your client had an obligation to perform a thorough investigation of Horizon Technologies, LLC before accepting Horizon Technologies, LLC as a merchant. Powerpay, LLC elected to assume the risk of processing Horizon Technologies, LLC's VISA and Mastercard sales and must look to Horizon Technologies, LLC for recompense.

My client has made and makes no misstatements, at any time, to anyone, in order to facilitate its customers obtaining chargebacks (refunds).This is categorically denied, and strict proof is demanded of such allegations. We demand to know who said such false statements have been made. We will investigate every allegation. Please provide all necessary information to this office for a complete investigation at your earliest convenience.

My client, accordingly, declines your demand that they Cease and Desist. After receiving the requested information and investigating same, we will further respond to your letter.

Thank you.

Sincerely,


Michael E. St. George


Now, if this letter and our website, www.businessrecoveryservices.net, do not demonstrate how effective our kits and recovery services have been in the past for former Horizon Technologies' clients, then I don't know what else I can do to illustrate the effectiveness of Business Recovery Services' kits and recovery services.

If you would like to attempt to recover your hard-earned money from either Horizon Technologies or any other ill-fated home-based business, then please call us at (480) 649-4251.

Brian Hessler