• Report: #493345
Complaint Review:

Time Line Debt Solutions

  • Submitted: Fri, September 11, 2009
  • Updated: Thu, December 03, 2015

  • Reported By: John Miller — Fort Lauderdale Florida USA
Time Line Debt Solutions
722 Apex Rd Suite G Sarasota, Florida United States of America

Time Line Debt Solutions US Settlement Services, Fed Loan Assitance center, Consolidebt, R and N Consulting Group Company has called me under different names. They are a scam they try to scam the elderly and people who are in debt and dont know the process and they do nothing for you Sarasota, Florida

*REBUTTAL Owner of company: You don't even have the right name

*REBUTTAL Owner of company: Timeline Rebuttal

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Company owners Rick Permanand a.k.a Ricky Permanand and Nicholas A. Salerno a.k.a. Nick Salerno are two con artists that are under investigation by the Florida Attorney General, Economic Crimes Division Case No. L09-3-1126. They promised to modify my home loan and settle my debt with credit card companies. They took thousands of dollars from me and did nothing.  They will not even return my phone calls. 


They have changed their companies as often as dirty underwear.  First they opened as U.S. Settlement Services to steal away customers from a reputable Tampa company with the same name. Then they became The Federal Loan Assistance Center that was soon shut down by litigation.  They pretended to be a Federal government agency but they were not. 


They reinvented themselves again as Consolidebt, LLC before fleeing from another lawsuit. Then they regrouped as Timeline Debt Solutions and continue their deception through their latest company R&N Consulting Group, LLC.  It amazes me how these thieves have not been thrown in jail yet. They have been sued more times than I can count. Even the IRS has a $92,000 tax lien against Nick Salernos property.  He owes so much money, how can he be trusted to  handle the money of others? 


These fraudsters target desperate, elderly, and vulnerable victims who are in foreclosure or on the verge of bankruptcy. Simply appalling.



Florida Attorney General Investigation, Economic Crimes Division.  Case against Federal Loan Assistance Center .


Lawsuit against Nick Salerno and Rick Permanand


Lawsuit against Consolidebt


$92,000 Tax Lien against Nicholas A. Salerno, a.k.a Nick Salerno 


Timeline Debt Solutions

722 Apex Road Suite G

Sarasota, Florida 34240

U.S. Settlement Services Corporate Information

Federal Loan Assistance Center Corporation Information



This report was posted on Ripoff Report on 09/11/2009 09:42 AM and is a permanent record located here: http://www.ripoffreport.com/reports/time-line-debt-solutions/sarasota-florida-34240/time-line-debt-solutions-us-settlement-services-fed-loan-assitance-center-consolidebt-r-493345. 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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Updates & Rebuttals

#1 REBUTTAL Owner of company

You don't even have the right name

AUTHOR: Rick Perman - (USA)

 If you are going to run a site that can tarnish peoples names atleast use the right names. I was the owner of timeline and my name is Rick Perman. Could you at least attack the right person!

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#2 REBUTTAL Owner of company

Timeline Rebuttal

AUTHOR: anonymous - (USA)

These accusations are totally unfounded and are a result of a past disgruntled employee( either G. G or J. H...we know who you are). The author seems to be from Ft. Lauderdale Fl. We do not even do business in Florida. I challenge the true author to provide proof that these accusations are true. The name changes are a result of improper name searches done prior to the formation of the company. There are no lawsuits against the owners or the company. This is a blatant lie. One of the owners of the company is actually a licensed fire fighter/paramedic who has put in countless years of dedicated service in the state of New York.

 When trying to incorporate a business in a particular state, unfortunately, records of existing company names can not be verified nationwide. We are not under investigation by the Florida Attorney General, in fact we have worked diligently with state authorities to stop improper business practices by so-called "loan modification" companies. In fact, a family member works for a non-profit organization led by a team of attorneys to aid consumers who are having trouble keeping their homes. In regards to "debt settlement" we have been very successful in our practices and can supply countless testimonials from customers who have had great and successful experiences.

 It's truly a shame that when things don't work out with employees they feel it necessary to slander your name and reputation. We have worked countless hours helping people and we will continue to do so. In closing I challenge this imposter to provide proof, lets not deceive the public.

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