I want to advise anyone against any dealings whatsoever with the Back Bay Group. After searching on debt relief programs, I found the Debt Relief program and was interested in more information. I was contacted by Ron Boston of the Back Bay Group, who represents Debt Nemesis/Due Process Limited. I researched these companies through the Better Business Bureau and the internet, but could not find anything.
The fee was about $3400 to eliminate debts legally. Ron Boston set up three payments. After paying my first check (over the phone you give them the information off of your check and they create an electronic check), I received the John Guilda package with books and a cd containing instructions as to what to do next. This company almost nickel and dimes you to death. It's one fee after another. You pay an extremely high fee, then another fee per credit card to get them into arbitration.
The phone numbers provided to "walk you through the program" were an answering machine. None of my calls were ever returned from Debt Nemesis.
The letters I sent did slow down the collection process, but my credit card debts were high and the companies were not going to discharge them. I realized this and attempted to stop the program before my final $1000 payment. Ron Boston created an electronic check based on having my account information and sent it through my account. I questioned this with Wachovia, and the bank agreed that this was a fraudulant charge as it was unauthorized and the Back Bay Group even made up a check number as it was obviously not provided. The bank reversed the final fee, but I was already out over $2800.
When I inquired about a refund, all I was told was that the 30-day time period had expired. I was never told that I only had 30 days. The only thing you do within 30 days is send out your first letter. It is impossible to evaluate this program in 30 days.
I have since filed bankruptcy. I have filed complaints with the Better Business Bureau, but these guys have a great con. Believe them if you want, but if you have $3500 to throw away, there are some great charities out there.
Charlotte, North Carolina