• Report: #638325

Complaint Review: World Law Debt

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  • Submitted: Tue, September 07, 2010
  • Updated: Mon, February 20, 2012

  • Reported By: Quippy — austin Texas U.S.A.
World Law Debt
2201 donely dr austint, Texas United States of America

World Law Debt Swiftrock financial, clear your debt, topaz financial, mesa rock financial scam fraud austint, Texas

*UPDATE EX-employee responds: Chris Coker

*General Comment: Its Chris Coker.

*UPDATE EX-employee responds: To Chris Choker

*Author of original report: wow!

*UPDATE EX-employee responds: World Law is a SCAM, World Law Debt is Orion Processing, Swift Rock, Mesa Rock, Topaz Financial, and Clear Your Debt

*Consumer Comment: World Law Debt Helped me and my family-Very Professional

*Consumer Comment: They gave my life back

*Consumer Comment: Great Company

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This company has now changed its name again to hide from all the lawsuits coming down or have come down.  it has the same address as all the other companies.

Owner: Derin Scott

address: 2201 donely dr

            Austin TX 78758

same address as Swiftrock Finanicial, Cydebt/Clear your Debt, Orion Processing.  It is a joke.  it is all the same dumb felon kids running the office as all the other companies.  Do not signe with this company.  you will not get any service.  Derin Scott has collected over 40 million dollars of the back of the poor by stealing money from people/famlies struggling with debt.  Moreover, collected that money by not paying his employees.  I really can't wait to see the federal gov't stick him in Jail!


This report was posted on Ripoff Report on 09/07/2010 08:07 AM and is a permanent record located here: http://www.ripoffreport.com/r/World-Law-Debt/austint-Texas-78758/World-Law-Debt-Swiftrock-financial-clear-your-debt-topaz-financial-mesa-rock-financial-638325. 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:
1Author 7Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE EX-employee responds

Chris Coker

AUTHOR: bright1222 - (United States of America)

Sorry, really didn't mean to misspell your last name. Switching programs is something I have never seen done, and I worked there before WL was even a thought, so I don't believe you. Especially if you were already a year deep in to the original program you were in. Makes no sense to me. The fact that you replied to my rebutal so fast also makes me think you are just an employee.  If you are not lying, then you are probably talking about the wrong entity of World Law, not the portion involved with Orion Processing. 
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#2 General Comment

Its Chris Coker.

AUTHOR: Chris Coker - (USA)

Ok. Let me be more clear Mr. Disgruntled employee. I was with one of their past counterparts and merged into the world law program which finished my settlements. So I guess in reality it speaks to their both past and present names that you are so keen on attacking. Then again if I lost my job to them I might hold hard feelings too.
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#3 UPDATE EX-employee responds

To Chris Choker

AUTHOR: bright1222 - (United States of America)

Your post was March 2011 and from the context, it sounds like you were done with the program at that point. You state you were in the program for 2.5 years, and finished at the latest March 2011. World Law Debt started enrolling clients in July 2010. Sounds odd.
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#4 Author of original report

wow!

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

You think a company employee wrote this?  Knuckleheads.
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#5 UPDATE EX-employee responds

World Law is a SCAM, World Law Debt is Orion Processing, Swift Rock, Mesa Rock, Topaz Financial, and Clear Your Debt

AUTHOR: bright1222 - (United States of America)

Orion Processing is World Law Debt, Swift Rock, Mesa Rock, Topaz Financial, and Clear Your Debt. They are acting only for money, and ruining lives. I used to work for World Law Debt (Orion Processing), and witnessed a lot of unethical practices, including the facilitation of embezzlement and willing procurement of judgements against clients. 

1. A client who was a very elderly lady, but very faithful to the program. OP arranged a settlement with a law office. The paralegal at the law firm who negotiated the settlement with OP directed OP to place the funds in her personal account. OP was not aware that this was a personal account, thus this was done involuntarily. But, once everything came to light, OP did nothing to help their client. This was over 2 years ago, and this client is still in litigation with Capitol One, and her credit score dwindles everyday. 

2. In June of 2010 OP switched their funds holding bank from Rocky Mountain Bank and Trust to Midfirst Bank. This was a necessary change I was told. OP had many long term settlements set up through RMBT, and these all had to be transferred to Midfirst Bank to ensure the settlements didn't default. For the most part this was done smoothly with a few exceptions. One of my clients had a 3 part settlement set up, and the final payment of around $300 was due in June 2010. This payment was not made due to the bank change. Once I realized this (October), I called the law firm I negotiated the settlement with to see if they would take the final payment of around $300 to settle the account. This was in October 2010 (4 months after the payment was supposed to have been made), so I was told that it was too late, and the new settlement amount was around $800. Trying to protect the client and the company, I sent multiple emails to the COO, President, Director, and Accounting Manager stating that if we can just make this additional $500 payment, the client wouldn't get sued, and she will never know about this. I should have told the client immediately, but I was trying to protect the company. I never received any responses to my emails, and this issue is still open. The client received a judgment, and the offer is now up to $1200. I brought this up multiple times in 2010, and 2011, and OP never did anything to correct this mistake. 


World Law Debt is no better than Swift Rock, Mesa Rock, Topaz, Or Clear Your Debt. The same people are still running things, and they are just as greedy as ever. They pay their employees $10/hr to start, and expect them to handle 300 - 500 clients each. I worked there for 2 years, and was a supervisor when I unethically fired. I know from experience that no one has ever been able to successfully handle more than 300 clients, and really most can't handle that many. Those who do exceed the 300 client load usually leave for a better job. The salesmen, or "enrollment specialist" will say anything to make you sign up, and then you loose every dime you will put in to the program. They will NOT represent you in court, you will NEVER actually speak to a lawyer in person, and EVERYTHING THEY DO FOR YOU YOU CAN DO FOR YOURSELF. This program can work for certain people who have a lot of money to pay their debts, or people who are uncollectible.


This company gives no benefits to their employees, 1 week a year of sick time/vacation, and they often threaten to fire people. They even talk of mass lay offs, and reorganizing the entire staff right in front of their entire staff. The morale in this building is very low, and everyone is too underpaid to truly have their client's best interest in mind. Trust me, I worked their, and the turn over rate is very high, and the longest tenure in the building is less than 5 years. Around 80% of the employees have been there less than one year because of the terrible ethics practiced. 

Please don't sign up with World Law Debt. If things are really bad, you will probably have to file bankruptcy anyway, and if things aren't that bad, then research how you can do this yourself. It is very easy, and you just need to make sure you get every agreement in writing. TX, PA, NC, SC clients are all very well protected, so please research your rights. If you are retired, you are also very well protected, but please do your research as well. 


I was a supervisor when I was fired. Most of the company was in shock, and still asks me what I could have possibly done. I am a very hard worker, and I worked very hard for Orion, and my clients. I was underpaid, but I needed the job, so I was in no position to combat the company. If you read above, I even tried to protect them when they were acting unethically. I only like things to be fair for all involved. When I was fired for "Gross Misconduct" (still not sure how I got that title) I was told that my entire team was poisonous, and are infecting the entire company. All of those people are still there except one. I am not saying they are poisonous, but upper management did, and used that as justification to terminate me. In the state of TX, when you are fired your prior employer has 6 calendar days to deliver your final paycheck to you in the same manner you have been receiving your paychecks. For me, it was direct deposit. I was fired on 1/06, and finally had to go demand my paycheck in person on 1/16. As a result of not being paid on time, I received 3 over draft fees to the tune of $90. OP has never paid these to me, denied me unemployment after assuring me it would be there for me, and they have furthermore told me that if I am on their rental premises, they will call the cops for criminal trespassing. 


World Law Debt is Orion Processing. Orion Processing is World Law Debt, Clear Your Debt, Swift Rock, Mesa Rock, and Topaz Financial. The reason they are on their 5th business endeavor is because they keep getting terrible BBB ratings, and law suits, and keep opening new ventures under clean names. Make no mistake, they are the same people, and they haven't changed a thing. They will take your money, and you won't get it back. About 20% of all programs go as planned. The rest either end up with judgments, garnishments, bank levies, home liens, or you will end up filling the bankruptcy you were trying to avoid. And, if you sign up with World Law Debt, you will be contributing to the lease payments of the BMW's and Escalades that upper management gets to drive. 

DO YOUR RESEARCH AND SETTLE YOUR DEBTS ON YOUR OWN. YOU WILL SAVE THOUSANDS, AND IT IS MUCH EASIER. JUST GET EVERY AGREEMENT IN WRITING.    
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#6 Consumer Comment

World Law Debt Helped me and my family-Very Professional

AUTHOR: Robert - (United States of America)

First of all I would like to start off with I do not make it a habit to go online and add comments to sites like these, I just felt compelled to express my opinion and my experience with World Law Debt. I unfortunately had a change of events and a huge loss of income when my job of working in the same company laid me off. I always paid my bills on time and I am not a dead beat. I reached a point where I could not afford my credit card payments, the interest kept rising and then minimum monthly payments were out of control. I was a great customer and paid my bills on time. To make it short I feel the credit card companies treated me unfairly and could care less about working with me. A good friend of mine said he worked with World Law Debt and he was able to get back on track with his credit card debt. I did enter the program with some apprehension but now as I am almost halfway completed with settling my debt with the creditors I feel less stress and I know I will debt free soon and never own a credit card by choice ever again. Word Law Debt did exactly what they promised me and my wife. All I can say they have been amazing, professional and I have recommended them as well to my friends and family member. I hope this may help someone who was in the same position I was.
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#7 Consumer Comment

They gave my life back

AUTHOR: saved - (United States of America)

World Law Debt helped me with in my time of need. I had a $24,000 credit card and they were able to get a settlement of $4,500 in a 9 month payment plan! I am a single mom with 3 kids and when I fell behind my interest went up to 29.99. THEY SAVE MY LIFE and I thank God that they worked so hard.
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#8 Consumer Comment

Great Company

AUTHOR: Chris Coker - (USA)

I did the research that the above person mentioned as it is true that some of those companies share the same address, it is because they are affiliates of the company, and not the same company them selves.  i.e. Wal mart owning sams , etc.

I happen to have had a GREAT experience with the World Law Group.  I owed over $42,000 in debt and I was completely debt free after 2.5 years and only paying around $21,000 in total.

I don't care who owns the company or how he pays his employees, that has nothing to do with the results they got for me. 

I believe that if you are going to try and say something negative, especially when you sound like a disgruntled employee, you should give some proof of the merits of your accusations as it pertains to the consumer and not someone that wants to work for the company in question.
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