• Report: #402743

Complaint Review: United Credit Adjusters/United Counseling Association/Bankruptcy Masters/Federal Debt Solutions

  • Submitted: Thu, December 18, 2008
  • Updated: Wed, March 18, 2009

  • Reported By:Toms River New Jersey
United Credit Adjusters/United Counseling Association/Bankruptcy Masters/Federal Debt Solutions
4555 Route 9North, 2nd Floor Howell, New Jersey U.S.A.

United Credit Adjusters/ United Counseling Association/ Bankruptcy Masters/ Federal Debt Solutions BEWARE of this company that masquerades under several names with the end resule always the same-you getting ripped off! Howell New Jersey

*Consumer Comment: To The FDS rebuttal

*Consumer Comment: To The FDS rebuttal

*Consumer Comment: To The FDS rebuttal

*Consumer Comment: To The FDS rebuttal

*Consumer Comment: Feds Charge Seven Credit Repair Companies with Deceiving Consumers

*Consumer Comment: My Company is also called FEDERAL DEBT SOLUTIONS & I do not want people to get confused

*Consumer Comment: NEVER ASSUME THAT SOMETHING ADVERTISED IS LEGITIMATE!

*Consumer Comment: NEVER ASSUME THAT SOMETHING ADVERTISED IS LEGITIMATE!

*Consumer Comment: NEVER ASSUME THAT SOMETHING ADVERTISED IS LEGITIMATE!

*Consumer Comment: NEVER ASSUME THAT SOMETHING ADVERTISED IS LEGITIMATE!

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I contacted this company for help restoring my credit. I had heard their advertisements all over the radio, and for that reason actually trusted that their business was legitimate. I called and signed up for their services.

I received the contract (which hardly looked professional) and began to worry. It appeared that, satisfied or not, I would be stuck with their services. I had questions about this document that I needed answered before I signed so I attempted to contact their offices. I called and called, always got a voicemail or someone who rudely transferred me. When I finally got a live person I was basically told that like it or not I was already locked into the contract and it didn't matter if I signed and returned the physical document I was going to pay for it.

I still tried to give UCA the benefit of the doubt, but within 1 month UCA was processing my payments early. I was scheduled to pay on the 15th of each month and had payments processed as much as 3 weeks early!! These payments were taken from my checking account (as I had foolishly arranged) so you can imagine the trouble this caused. The second month, I was double charged. I frantically tried to contact UCA and was given the runaround. When I finally reached a person I was treated as though it was MY fault in some way. I finally had to close my account.

I spoke to an employee (who must have been disgruntled) who told me that it was no mistake-that the owner actually had the nerve to direct the bookkeeper to process many client's payments early and sometimes even twice. It seems that when the company's bank accounts got too low they would do this to get some money flowing. This employee told me that the owners could care less about their clients and would never return any money to a client, even when they were overcharged.

I did some investigating and found that the owners of this company, Ahron Henoch and Ezra Rishty, have several other companies-Bankruptcy Masters, Federal Debt Solutions, National Bankruptcy Services, Credit Bureau Controls, United Counseling Association, the list seems endless, but the reputation is always the same.

The state has finally done something about all of the complaints and is trying to have them shut down. I have seen a report that My9 News did about them and the owners even have a criminal background.

Please, everyone BEWARE of these men. Now that UCA is being shut down and that money source has evaporated, it is inevitable that Ahron Henoch and Ezra Rishty will be trying to start up a new venture. Before you join ANY type of Credit program, check into who owns it and watch for those names. I lost several hundred dollars and suffered through complete frustration because of my association with this company.

Michelle
Toms River, New Jersey
U.S.A.

This report was posted on Ripoff Report on 12/18/2008 11:58 AM and is a permanent record located here: http://www.ripoffreport.com/r/United-Credit-AdjustersUnited-Counseling-AssociationBankruptcy-MastersFederal-Debt-Solutions/Howell-New-Jersey-07753/United-Credit-Adjusters-United-Counseling-Association-Bankruptcy-Masters-Federal-Debt-S-402743. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
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Updates & Rebuttals

#1 Consumer Comment

To The FDS rebuttal

AUTHOR: Laurie - (U.S.A.)

According to the article - THE FTC HAS CHARGED YOUR COMPANY TOO.

READ THE ARTICLE
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#2 Consumer Comment

To The FDS rebuttal

AUTHOR: Laurie - (U.S.A.)

According to the article - THE FTC HAS CHARGED YOUR COMPANY TOO.

READ THE ARTICLE
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#3 Consumer Comment

To The FDS rebuttal

AUTHOR: Laurie - (U.S.A.)

According to the article - THE FTC HAS CHARGED YOUR COMPANY TOO.

READ THE ARTICLE
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#4 Consumer Comment

To The FDS rebuttal

AUTHOR: Laurie - (U.S.A.)

According to the article - THE FTC HAS CHARGED YOUR COMPANY TOO.

READ THE ARTICLE
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#5 Consumer Comment

Feds Charge Seven Credit Repair Companies with Deceiving Consumers

AUTHOR: Laurie - (U.S.A.)

THIS IS ONE OF THE COMPANIES THAT HAVE BEEN CHARGED

Companies claimed they could remove negative information from credit reports
http://www.consumeraffairs.com/news04/2009/03/ftc_credit_repair.html

IF ROR removes the link to this other complaint board the website is consumeraffair - search on Feds Charge
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#6 Consumer Comment

My Company is also called FEDERAL DEBT SOLUTIONS & I do not want people to get confused

AUTHOR: Fds - (U.S.A.)

Hello, I own federal Debt Solutions based out of Long Island, NY. This article does not pertain to my company, so I do not want my clients to get alarmed if they come across this article. I hope that the consumer truly did her homework before posting those comments about the other companies because innocent people may suffer as a result.
What I can't understand about not being allowed to cancel is that: its your card?? You CAN cancel anytime. All you do is inform your cardholder, and make a dispute. It just didn't make sense. My company also offers a refund policy, if we are unable to increase your credit score, you get your money back.

I am also going to do research about this unethical company and find out information. Hopefully, the author is wrong and the name in the article can be removed?? I don't know, but as the owner of an honest company that goes above and beyond to help people (not just paying customers either), this article bothers me. Especially because she never did business with Federal Debt Solutions, but heard that they are using a DBA. There is another Federal Debt solutions, which I see when I google my name. I will write to them, let them know about this article, and determine what to do from there.
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#7 Consumer Comment

NEVER ASSUME THAT SOMETHING ADVERTISED IS LEGITIMATE!

AUTHOR: Laurie - (U.S.A.)

Just because something is advertised - does not mean it is not a rip-off

TV, Radio, Magazines and Newspaper - even internet ads are no guarantee of legitimacy - They sell ad space to anyone who is willing to pay for it.


NO ONE checks these companies out for before they air or publish the ad. It is up to YOU the consumer to do the research yourself.

Just look at all the As Seen on TV crap that is advertised,

look at the complaints for Magic Jack and even the newest scam the Snuggie - lots of complaints from people because they saw it on tv and thought it has to be good. Other examples are the ColonCleanse WIYU, Acai Berry etc.

I saw a complaint the other day that assumed that Oprah approved because it was advertised during her show, so they assumed she actually endorsed it.

As for your particular issue - Credit /debt repair - The Federal Trade Commission has info available for free to help you avoid what you got caught in

The info is out there - you have to be willing to look for yourself - While there you can also file a complaint - AFTER YOU READ THE INFO THEY HAVE!
http://www.ftc.gov/bcp/menus/consumer/credit/reports.shtm
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#8 Consumer Comment

NEVER ASSUME THAT SOMETHING ADVERTISED IS LEGITIMATE!

AUTHOR: Laurie - (U.S.A.)

Just because something is advertised - does not mean it is not a rip-off

TV, Radio, Magazines and Newspaper - even internet ads are no guarantee of legitimacy - They sell ad space to anyone who is willing to pay for it.


NO ONE checks these companies out for before they air or publish the ad. It is up to YOU the consumer to do the research yourself.

Just look at all the As Seen on TV crap that is advertised,

look at the complaints for Magic Jack and even the newest scam the Snuggie - lots of complaints from people because they saw it on tv and thought it has to be good. Other examples are the ColonCleanse WIYU, Acai Berry etc.

I saw a complaint the other day that assumed that Oprah approved because it was advertised during her show, so they assumed she actually endorsed it.

As for your particular issue - Credit /debt repair - The Federal Trade Commission has info available for free to help you avoid what you got caught in

The info is out there - you have to be willing to look for yourself - While there you can also file a complaint - AFTER YOU READ THE INFO THEY HAVE!
http://www.ftc.gov/bcp/menus/consumer/credit/reports.shtm
Respond to this report!
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#9 Consumer Comment

NEVER ASSUME THAT SOMETHING ADVERTISED IS LEGITIMATE!

AUTHOR: Laurie - (U.S.A.)

Just because something is advertised - does not mean it is not a rip-off

TV, Radio, Magazines and Newspaper - even internet ads are no guarantee of legitimacy - They sell ad space to anyone who is willing to pay for it.


NO ONE checks these companies out for before they air or publish the ad. It is up to YOU the consumer to do the research yourself.

Just look at all the As Seen on TV crap that is advertised,

look at the complaints for Magic Jack and even the newest scam the Snuggie - lots of complaints from people because they saw it on tv and thought it has to be good. Other examples are the ColonCleanse WIYU, Acai Berry etc.

I saw a complaint the other day that assumed that Oprah approved because it was advertised during her show, so they assumed she actually endorsed it.

As for your particular issue - Credit /debt repair - The Federal Trade Commission has info available for free to help you avoid what you got caught in

The info is out there - you have to be willing to look for yourself - While there you can also file a complaint - AFTER YOU READ THE INFO THEY HAVE!
http://www.ftc.gov/bcp/menus/consumer/credit/reports.shtm
Respond to this report!
What's this?

#10 Consumer Comment

NEVER ASSUME THAT SOMETHING ADVERTISED IS LEGITIMATE!

AUTHOR: Laurie - (U.S.A.)

Just because something is advertised - does not mean it is not a rip-off

TV, Radio, Magazines and Newspaper - even internet ads are no guarantee of legitimacy - They sell ad space to anyone who is willing to pay for it.


NO ONE checks these companies out for before they air or publish the ad. It is up to YOU the consumer to do the research yourself.

Just look at all the As Seen on TV crap that is advertised,

look at the complaints for Magic Jack and even the newest scam the Snuggie - lots of complaints from people because they saw it on tv and thought it has to be good. Other examples are the ColonCleanse WIYU, Acai Berry etc.

I saw a complaint the other day that assumed that Oprah approved because it was advertised during her show, so they assumed she actually endorsed it.

As for your particular issue - Credit /debt repair - The Federal Trade Commission has info available for free to help you avoid what you got caught in

The info is out there - you have to be willing to look for yourself - While there you can also file a complaint - AFTER YOU READ THE INFO THEY HAVE!
http://www.ftc.gov/bcp/menus/consumer/credit/reports.shtm
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