Advantage Education Profit Siege, William Kelsall, I was contacted by phone and told that I could work at home and make enough to pay for obamma care, it would be easy and they would train me to do everything to make my business a success Lehi Utah

My name is Jo Alan Montgomery; I worked for the City of Las Vegas for 25 years and am now retired.  I am on the 'federal do not call list’, which did not prevent these companies from calling me.  I am 61 years old and retired under the state of Nevada retirement system and have a limited income.  I had no health insurance and do not make enough money to pay for Obama care.  I was contacted in November of 2013 by Paul Brown, 801-854-1356, with a company called prophet siege that was affiliated with an education and training school called Advantage Education, and they told me that they can help me make $2000 a month with just a few hours of work each week. They would be able to maximize my investment money and use capital leverage, using the banks money to make money.  They talked about the return on investment, the more you invest, the more you make.   They sounded reputable so when they requested $47.00 on Nov 18, 2013, for the program to help me financially survive, I invested it.  This was documented on my bank debit card account.  This is how shady businesses get you hooked, little at first and then slowly draw you in with what you are told are mandatory expenses.

Advantage Education LLC, 65 E Wadsworth Park Suite 230, Draper, UT 84032, 855-563-3033

Advantage Education Coaching 877-436-5229

Advantage Education moved to 3300 North Running Creek Building G Suite 200  Lehi, Utah 84043

Next I was contacted by William Kelsall, 801-335-5015, wkelsall@Advantage-e.com, he was a coordinator.  He said that I would have 4-6 weeks of scheduled proactive coaching sessions, each session would be 1 hour long. Over the phone and on the computer, they would provide all the software needed for real time internet and screen sharing

Phase 1 of the business, they would build a custom designed website with my involvement, I would work with a web designer.

Phase 2, products, working with product specialists to train me to get hot sellable products, using wholesalers, manufacturers, holding or storing products and everything would be fully automatic.

Phase 3, marketing and advertising, which was supposed to bring traffic to my website using Google, Yahoo, and Bing.  This would require a rating of 1 to  ten in order to make the business successful, they would make it 7 or better.  By using affiliate marking or linking from other websites to get the percent needed.  They would evaluate web sites to link to me to ensure that it would not bring down the ranking

Around DEC. 2, 2013 Advantage Education which was connected somehow with prophet siege called me and said that they had a one-time upfront investment for my business of $3,535 (Discover card) to teach me how to make the money that I needed.  They said that they would supply a 100% satisfaction guarantee in writing in a warranty of service.  I could be completely confident that I would not loose my investment.

They said that they use a regulated registration and compliance, to sign and back up their warranty.  They said that they were working with me to guarantee that I would meet my goals, within 30 days I should be making from $1,000 to $2,400 from the business.  Typically in 3 months most people make from $3,500 to $6000 in revenue, within six months $12,000 and in a year $18,000.

There would be a $39 (Discover card) hosting fee for the website, but they would do it for free for the first three months.

Anna the secretary 855-563-3033; email support@advantage-e.com and coaching was available at 877-436-5229 from 7am to 7pm; student relations manager was Kamron Roberts at 801-653-4774.  Every Monday at 5:30 I was supposed to have a training session with Isaac.  These sessions became motivational sessions to keep me on the program, they did not train me to run the business.  The first one, 5 keys to using the internet.

1.Determine your why (Paratoo’s Law)  Financial Freedom, Time Freedom, end Stress

2. Treat it like a business, Success needs work, Take it serious, schedule, start and finish.  Tract your results, education is all about the job

3. Take action, don’t procrastinate

4. Avoid Common Pitfalls, Must act, not give up, if you never start, you won’t finish, don’t let details overwhelm you, focus on one thing at a time, use your mentor.  Devote enough time to succeed.  Keep your goals in mind.  Don’t let others discourage you from continuing

5. Follow My Mentor, most important, they can help with their experiences to give you faster success

 Now I think that there are a lot of little businesses, or one business under different names that call back and get a few thousand here and a few thousand there, saying that they can fix the problem with the earlier business that I dealt with.  Right now I do not know who to trust because it appears that all the businesses, or most of them were just trying to get more money from me, and they were following a successful procedure that they have used on many people to fool them into paying them for worthless products.

On Dec 6^th Prime Corporate called as another part of the program to legally establish a business.  (Matt Hill 855-577-4639, mhill@prime corporateservices.com)  Their financial firm would build a business just like building a house with the proper foundation.  They would set up and register a limited liability business.  Why, it would limit liability of a business, it would protect me.  It would save 8%, avoiding self-employment tax, Medicare tax and social security tax.  It also had excellent tax advantages, losses are recoverable and I could lead a corporate life style.  It would limit taxable income, making me a self-employed home based ecommerce businessman.  The Limited Liability Company always finds deductions for all my business expenses.  They said that the expense ($3,610, $1950.-Discover, $1660-Discover) was an investment in the program, like a hobby expense and the LLC makes it deductible.  Sec 195 of the tax code, it is 100% deductible as a business expense.  Obtaining my online compliance would help me be considered a real business.  They said that 80% of small businesses fail because of lack of capital, so they will make a business credit program.  First they will make my business 'business compliant', so banks and lenders view me as a real business.  They will guarantee a paydex score of 1-100, a phyco score of 450-850.  They will obtain business credit; put the credit on the business with interest rates below 10%.  If the business fails, my personal credit is good.  They will help me to follow the steps to legally protect my personal finances.  They charged $1,660 to my discover card for a structuring fee, and charged $1,950 (the total $4,610 mentioned above) for a business credit program to cover the debt for the business and to cover business expenses.  My business credit coach would be Fred Seymour in their tax division, (702-685-2599) he would build business credit.

This was supposed to be the investment that would train me and make it possible to easily make the money I needed.  Prime Corporate would charge $29.95(StateBankOfSouthernUtah Debit Card) each month for an accountant and do my taxes which they said would allow me to recover all my expenses in starting up the company.  By December 10^th 2013 the Nevada Company “JAM Internet Ventures LLC” was formed with a fancy binder, a seal, and a business employer ID number for tax purposes.  All this time I was being sucked in deeper and deeper, every time someone called they made many promises of financial success, saying that you have to spend money to make money.  On December 16, 2013 my State Bank of Southern Utah debit card was charged $2,890(StateBankOfSouthernUtah Debit Card) for the Prime Corporate Savers Tax Plan (Tax Consultant Curtis Harward, Curtis@primecorporateservices.com, 855-577-4639).  They would do everything necessary to use the Limited Liability Company to get the most benefit.  That is why they needed a CPA or attorney to itemize deductions.  The would provide a tool, the business tax planning guide, or tax tracker to make sure that reporting and organizing is all done right.  Tax Century would make a corporate Vail for saving on taxes.   They did my taxes for 2013, but did not do anything for the business.  I could have done my taxes and gotten back the same amount on my personal taxes.  All this time I was paying $29.95 a month for an accountant.

 On December 23^rd I was told to give $4,000(StateBankOfSouthernUtah Debit Card) to Gogo Dropshippers, until this day I don’t know why.  Dropshippers are companies that sell products wholesale to you so that you can make a prophet, but will ship the product directly to whoever orders from you.  So under the direction of Advance Education I spent about three weeks contacting dropshippers, and eventually I found one, Dean Safe, who would work with me.  So including miscellaneous costs to have computer access to the advantage education website for training I had spent over $15,000 by the end of December.  They said that the training and time spent on the job would be about four hours a week.  From December 6^th I started devoting all day Thursday and Friday to working on the Job and am still spending both those days trying to get back my lost money.  I was not given personal direction, any instructions were very general and I spent hours trying to contact someone to get questions answered. 

               Then on Monday January 6^th I was contacted by Ignite Web Services 866-923-1702, come to find out they are the ones that would build a fully functional website that would do all the work of selling safes, ordering the safe from the dropshipper and paying him and keeping track of all the business operations.  Ignite Web services took $12,100 from me to provide the website that was needed. ($1,300 StateBankOfSouthernUtah Debit Card on 1/6/2014, $6,000 discover card on 1/8/2014, and $4,800 (StateBankOfSouthernUtah Debit Card on 1/14/2014) I was not supposed to invest this kind of money.  I was being sucked in deeper and deeper into this business, they would say this is an investment, you will get your money back, and you have to spend money to make money.  But, I think that they are doing this all over the country to retired people who are honest and trusting and that can be scammed of their life’s savings; even though we know that there are unscrupulous people out there, we foolishly trust that there has to be some responsible businesses out there.  The trouble with doing business over the phone and over the internet is that there is no personal contact.  You either trust them or not, Advance Education took me online to the Better Business Bureau and they built up my trust in their program saying that they had a good rating and can be trusted.

               Different partners of these companies called with parts of the business that was necessary for the business to succeed.  There came another monthly fee of $29.99 to move the expenses away from my personal credit and onto the business’s name.  On January 23 2014 I had to pay $370(Discover Card) to a company called Betasecure.com.  On January 30, Ignite Web services needed $2,150(Discover Card) to make the website profitable.  They were supposed to call me and walk me through the website and train me and make the website completely functional.  (Ignite Builder, 866 923 1702, fulfillment@ignitewebservices.com, 877 436 5229, ext. 4)

Scot (business planner), Jason Alexander (get it done guy 801-683-2492) Ryan (niche consultant team 206-602-3681, networks and social platforms) (ignite web pay per click Adam Morgan 866-923-1702)

               Promises are cheap.  Thursday and Friday they would not call, I would call and get a recording, or send emails and get automated responses, and when a human did email me they did not address all my concerns.  They led me to believe that the website was up and any day now the sales would be coming in to help me recover my lifetime’s savings that I had spent so far.  Another partner of the business setup called on February 21, 2014, Impact rankings (206-455-8135 Washington State) needed $4,800(Discover Card) to move me up in the internet search engines and get people to my website. They would make the site profitable.   This was supposed to be a forever service that would use keywords, metta-tags, and search engine optimization to ensure hundreds of people would be going to the website each day.  They also used the name Impact Solutions.  All these things were presented as investments in my business that would not fail to make it a success.  On March 7 Impact Solutions (support@impactrankings.com Branden Futter, Ryan 866-602-2681 worked with social indexing, Thomas, Ted) got me for another $3,500(Discover Card).  They would use google recognition and facebook to make my website profitable; they promised that they could make it profitable.

 I did not think of myself as a fool; these people would spend hours on the phone on a Thursday or a Friday convincing me of the need to invest more money in the business to make it successful.  Each time they would say, "This is the last you will have to pay or all the money spent so far was wasted". 

               On March 21, five star quest, (866 648 1537; 27111 167^th PL SE Suite #105-177 Covington WA 98042) also known as Advanced Marketing Group got me for $2,199(Bank Of America) to use social media marketing; they had a $99/month usage fee. (Charles Dale Elder 866-648-1537,ext. 700, direct line 253-355-2445, Lisa Lopez, ext. 701, 5starquestserivce@gmail.com) (Adam Morgan PPC specialist 801-613-7739. ppc@fulfinent-team.com) They made me promises of using google, twitter and Facebook to get people to my website.  They were not connected to other companies that I was dealing with as far as I know.  I think that they were an honest company although they sold me something that I did not need and would not do what they said.  The kind of traffic to my site that they would generate would be just inquisitive lookers, not serious shoppers.  They looked at my website and said it was good, but it needed their help. Also they talked about helping me get a virtual office so that if someone called my business an electronic secretary would answer and help my business seem more professional.  They were supposed to aid me in getting a business line of credit using their advanced procedures.  www.bsocredit was their website that would accomplish this and it had an advanced marketing team behind them, 800-715-1772. 

               Around March 22 I was contacted by Business Source One 888 221 2789, They scammed me for $8,000, but I have recovered all but $3,000 that is still a temporary credit, they were listed as a scam company on the internet, so I think that they will not challenge the last temporary credit.

Jarvis Carson with creative.Com helped me to see that this was a waste of money and a scam that was costing me $199.00 more a month, so on June 20^th; I canceled any services with them by phone and Email.             

               On April 14, I was contacted by Olive Branch Marketing, aka Paramount Business Solutions, out of Jersey City New Jersey, Kimberly (secretary), Zac Peterson (Sr. Director 307-316-0953, his assistant Jason York (201-604-3643) and Andrew Owens, They said I needed a business plan to get corporate credit.  The legal papers I signed said that the business was located at 51 Harrison Street, Hoboken, NJ 07030  (877-213-0991).  They guaranteed me 5000 hits on my website.  If 5% of them bought a safe I would have over 250 sales a month. They wanted $7,000 for the business plan, but they pressured me on April 24, 2014 for $1,097(StateBankOfSouthernUtah Debit Card)  and on April 21 for $1,900(Discover Card).  It is unbelievable how they just kept sucking me in deeper by making me believe that they would really help me turn the business around.

On April 17^th, 2014 Business Solutions Online called and said that they were offering a small business credit program.  They promised to very quickly get all my money back from the business and keep the debt on the business.  They explained that they needed to create a S Corporation that would allow all of my debt to be put on the corporation and that they had a program of business credit strategies that would get all my money back within a year.  Well, their favorite words were "investment" and "you have to spend money to make money".

               Then I started getting calls from Jarvis Carson of Kreative.com.  He has a business where he works one on one with someone like me to get their website working and profitable, by this time I was trying to not listen to anyone who  calls.  So he starts looking at my website and all the people who I had dealt with and he starts telling me that many of them were just scam companies who tricked people like me out of their money.  He takes me to the Better Business Bureau and shows me Business Solutions Online had a F rating and was dropped from the BBB.  They are a scam company, so on March 22, I challenged the $4,000 and got the temporary refund to my account and if they don’t challenge it within a specified time it will be permanently credited to my card. 

               Another company called around April 10^th, Olive Branch Marketing Group (William Sinclare, paramountbizsolutionsllc@gmail.com), they also promised to get my website working by getting customers into the website.  I paid them $3,000(Discover Card) to get guaranteed customers to my website.  Then on April 21, Paramount Business Solutions contacted me and convinced me that to get my investment back I would need a business plan.  It was very complicated, but they convinced me that that was why I was not getting the debt off me and onto the business.  They got me for another $2,997-($1,097-StateBankOfSouthernUtah Debit Card, $1,900-DiscoverCard) .  Then the person who seems to really help me, Jarvis Carson with Kreative.com tells me that Olive Branch Marketing and Paramount Business solutions are the same company.  I went on the emails they sent me, and they had the same phone number.  On June 26^th, I phoned and emailed info@olivebranchmarketingllc.com and told them to stop all automatic debits from my bank and stop whatever they were doing (not) for me.

               Prime Corporate Services has been calling since December about my Dun & Bradstreet number.  Dun & Bradstreet  are a monitoring business who lists business to ensure that they are legitimate and is used to rate them for credit.  I applied in December and it was supposed to take a month to get the number and approval.  Fred Seymour with Prime Corporate called each week to see if I had a number yet.  In April he gave me the number to call and talk with Dun & Bradstreet.  Apparently the website that I was given to sign up did not give the application to Dun & Bradstreet, and I needed the Number because I’ve waited so long.  I was led to believe that this was what was holding up the business credit.  On May 1^st, the lady said that I could get it in a week if I paid $500.00, after hearing my story she gave it to me for $479.20(BankOfAmerica Debit Card).  This is a legitimate business.

               On May 1 my best friend said that he wanted to help my business by buying a safe.  He did not want to use his credit card so he gave me $100. And I used my credit card to order him a safe to be delivered at his apartment.  The sell went through and PayPal took the money but the safe never came.  Eventually I realized that the website like everything else was a worthless scam.  I tried to contact Ignite Web Builders but without any real help.  Sometimes the answered some questions and ignored others.  I was coming to realize that I was way in over my head and that even an intelligent person could not succeed with what I was given.

               On May 8^th the Business Network, (who said that they are no part of business Solutions online that I canceled earlier) called me and said that they would be able to get most if not all of my investment back if I created a S Corporation.  Jack Thompson spent most of a day explaining how they could do this.  He said that with a S. Corporation there are 330 tax Deductions verses 30 for a LLC.  With it I can recover all of my startup funds.  I would benefit from all the corporate discounts.  That with a S. Corporation you can go back 3 years to get deductions and incentives for the company.  He summarized my situation as: with my LLC I lose all the $50,000 that I had spent at that time whereas with the S. Corporation I get everything back.  I end up spending $8,495(State Bank Signature Visa) for the S. Corporation.  Jarvis Carson of Krative.com thinks this is the same business as Business Solutions Online.  I am calling them after I finish this letter.  I called two numbers and left two long messages and asked them to call. (Daniel, 385 205 3014 Jack Thompson 888 798 9845, 385 205 3015 private number, Tony Burton, 801 900 5871, 385 205 3009, 888 763 7710-client line, tburton.thebiznetwork@gmail.com, says I can get 30-50 thousand in grants)   

               Around May 15, Johnathan Long(801 561 3880 ext. 101) along with Bradley and Alex along with their expert Robert Dunson (801 561 3880 ext. 114)from Ecomm Express call me and told me how worthless my website is and that Ignite Web Builders was finished with me and that I had a worthless website that could not make any money.  They specialize in fixing web sites and they can easily make mine profitable.  They would provide an amazon account, or that was another name for Ecomm Express, my notes show both possibilities.  I am financially on the edge and am pulling out my hair.  They talk about their Amazon Affiliate Program and say they have the blessing of Advantage Education.  They pass me on to Richard Fry(801 561 3880 ext.109) and David Ross and Monday I am speaking with Bradley Roman and they look at my website and tell me how worthless it is and how they can fix it.   They pass me on to David Ross and give me the number of $7,995($5,995-Discover Card, $2,000-BankOfAmerica Debit) .  After that they come up with another $7,005(US Bank Signature Visa).  That is a total of $15,000.($5995-Discover, $2,000 Bank of America Visa, $7005 State Bank Signature Visa) (Alejandra-secretary, 877 822 8633-CustomerService)  It takes a couple of hours but the pressure me and I put it on three credit cards that I have.  They made so many promises about how good they were and how they would get so many people to the site that it would be making money in a few months.

               Jarvis Carson has shown me that there was nothing wrong with the website from ignite builders which could have  been fixed for much less than what Ecomm Express charged.  He said they did not build a new website that they are just out for the money; That Amazon affiliation would not do me any good, they were just throwing out a big name to catch my attention.  He said that Ecomm Express was just taking my money and their marketing would not get serious buyers to my site, so I canceled the monthly service cost from them.  Since they were clearly not truthful with me I initiated cancelation of the charges to the credit cards.  I may not get the $15,000 back because they are cunning and masters of taking money from inexperienced people looking for a honest way to make money.  As of the end of August 2014 they have challenged the $2000. Dispute with Bank of America and the temporary credit has been reversed.  I made another complaint about them not doing what they said, but have not heard any more.

               Around May 29, Business Solutions Online charged $1,000. To my US Bank Signature Visa and $3,000 to my (StateBankOfSouthernUtah Debit Card) I have received temporary Credit, but it may be challenged.

               So now from December 2013 until June 2014 I have lost over $76,000.  I feel that this same series of events have been executed on many, many others like me.  I thought that I was a cautious person.  I saved money all my life and worked for my funds to retire and now I may lose everything that I have and end up homeless on the streets.  That is the worst case scenario and I am doing all I can to keep up with the interest payments on the credit cards and pay my way out of debt.  There is a big possibility that I will not recover any of the money I put into this business.  Right now I am stopping all expenses and just trying to make it through this year.  I don’t know if I can get any help with the justice system, if I can prevent anyone else from going down this road I would be happy.  Jarvis Carson says that these companies do this for a year until they are shut down and then just form a new company and do it again to someone else.  If this is so then this kind of predatory business practices will go on and on.  I am sending this email to the local Las Vegas Metropolitan Police Department, The Attorney General, and the Federal Trade Commission as Jarvis Carson suggested.  The real irony of this situation is that Jarvis Carson may have been the company that would have sincerely helped make my business a success, but now I cannot afford the chance of spending any more money, I have had it and do not trust anyone enough to do more.

Sincerely

Jo Alan Montgomery