Report: #1000022

Complaint Review: Insolvency Guardian

  • Submitted: Sun, January 20, 2013
  • Updated: Thu, March 15, 2018
  • Reported By: somenfishy — Gold Coast Internet United States of America
  • Insolvency Guardian
    Suite 3a Varsity Parade
    United States of America

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Editor’s Comment: 03/15/2018 -.  Ripoff Report believes in transparency and the more information the better.  In this instance, there has been court action regarding this subject Report.  We believe it important to note that not all Court Orders are alike.  Many court orders are absolutely legitimate and we make no representations about this court order situation However, we want our users to be aware that sometimes courts enter orders based upon default which typically means that the defendant didn’t show up. [continued below]....

.....  Sometimes a defendant won’t show up because they didn’t even get notice of the case proceedings in the first place and other times defendants may not show up because they don’t necessarily have the knowledge and/or the financial resources to fight.  Still, in other instances, a defendant may simply appear only to stipulate (settle) the case by agreeing to stipulate to a court order because they are being bullied by the plaintiff and whether what they said was true or not, they just want the matter to go away so they can move on with life and make the plaintiff go away.  Again, we make no representations about this particular court order situation.  We are simply providing you with additional information so that you may be more informed and, coupled with any additional research you feel is necessary, may make your own informed decision regarding the validity of this Report.  As always, we encourage our readers to do their homework and not just rely on one single source for information.  Google, through the Lumen Database, has provided the following document relating to this subject Report:


Jarrod Sierocki v. Paul Grant Klerck - Abstract of Judgment by Ripoff Report on Scribd





Anyone reading this may have also become an Insolvency Guardian victim masterminded by Jarrod Sierocki.

Our story is quite horrid, Jarrod and his partner visited our small fish and chip take away back in early 2011 to review our business structure this all came about from him being a customer of our business first. He would frequent our business and buy fish and chips on bartercard. I made the fatal mistake one night of asking him what he did on barter he replied that he had a massive insolvency business that specialised in protecting businesses just like ours as well as helping reduce our tax liabilities. He came across really genuine and well spoken. He offered us a free consultation service, so I thought why not. This is when our Insovency Guardian disaster happened.

Before you knew it Jarrod and his offsider a big mountain of a man came down to have a meeting one morning at our shop, before long Sierocki convinced us to hand over our financials and lease rental agreements we had he had us sign an authority to act, i asked what it was he said a formality that he could not act for us and speak with the ATO etc without this. I asked do I need my solicitor to read over it he laughed and said no, I am the only lawyer you will ever need. He told us he was a barrister as well. We recieved a written proposal a few days later outling a whole new structure and an account from him. Reluctantly I paid this and before long he was telling us that all our BAS statements and financials had to be done again and then more accounts came in and before long every week more accounts and more. We could not afford this originally he led us to believe that we may have to spend $3000 to $4000 on barter plus a some cash outlays of $1000 or so to get everything right.

Just one accounting bill was over $4500 Invoice: 000001

Ref: WAKE0001

18 April, 2011

Amount Due: $ 4,455.00

Register New Company $999.00  GST $99.00 $1098.00

Register New Discretionary Trading Trust $999.00 GST $99 $1098

Register New Discretionary Asset Trust $999.00 GST $99 $1098

Register New ABN, TFN, GST & PAYG registrations for entities as per the attached proposal $0 FOC

Valuation of Assets (EXTERNAL VALUER MUST COMPLETE) $1250.00 GST $125.00 $1375.00

Transfer of assets to new Asset Trust (EXTERNAL SOLICITOR) 850.00 GST $85 $935

Lodge of Fixed and floating charge over new company and assets (ASIC) 399.00 GST $39.90 $438.90

On the bootom of this $6045 invoice I can only pay $1500 with Bartercard.

Please note that company and trust service set up we will except a major portion of Bartercard being $1500.00 and the rest must be cash, cheque or direct credit however this can be paid in installments if necessary.

And the bills kept on coming and when I said we can no longer afford this, he did not care he said if we did not continue to pay he would have the locks changed and would kick us out. I said you can't do that, he laughed and said listen to me, I can do anything I like, read the authority to act, service agreement that fixed and floating charge means I have a registered interest over your business. When I asked what do you mean he said pay or or pack up. He is so nasty and we got so screwed by him.

I told him I was going to the police he laughed again and reminded me that he was a freemason and had all the right people, right connections in all the right places. I did not know what to do or respond, we lost the business in the end we had no money left and Jarrod just does not care. He failed us in so many ways and just ripped us off. Once he had our finacials and had access to our bank figures he was not stopping till he drained every last cent out of us.

Jarrod Sierocki is a total extortionist. may god forgive this evil person because we never will. He stole our business and life. My warning to anyone else out there that comes across Insolvency Guardian or this b*****d or any of his other alias businesses, run as fast as you can.

This report was posted on Ripoff Report on 01/20/2013 04:27 AM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 General Comment

Insolvency Guardian Jarrod Sierocki


We have and are representing  former clients of Mr Jarrod Sierocki the principal of Insolvency Guardian [I.G.]. Our clients were NOT in competition with his firm but were merely trusting of him.

It seems that Insolvency Guardian in their rubuttal seem to sleectively focus on haveing us believe that the supposed "smeer campaign" against him is directly as a result of Jealous competitors when clearly it is not.

Insolvency Guardian have also selectivly chosen not to answer the direct acquasions against them by former clients.

Well here are some general questions we are sure the people would like answered:

1. are you a lawyer/barrister and have you ever professed to be?

2. how long have you been full time in the insolvency industry ?

3. have you ever advised clients the fees you were taking from them covered the cost of Trustees and them not paid the Trustees and kept the money.

4. have you ever taken assets in leiu of fees knowing those assets should have gone to the trustee of a clients bankrupt estate?

5. Is the title "Sir" a purchased title ?

6. are all parties complaining against you wrong... are you infering they all knew each other and just decided to have a go at you ? OR could it be that where there is that much smoke there is fire!

Mr Sierocki.... why can't you specifically answer the questions already raised by so many disgruntled clients? 

And yes for the record, we are an insolvency consultancy firm... yes we have been in business since 1989... yes we have genuinley represented thousands of clients over that time .. yes over 80% of our work is as a reulst of past client refering us... and yes we have had complaints during that 25 years, but the number would be counted on one hand.


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#2 UPDATE EX-employee responds

Yes, Jarrod Sierocki The Police Will Act Any Day Now, Just Wait For The Knock On The Door!

AUTHOR: Paul Klerck - (Australia)

My name is Paul Klerck, I find it most disturbing that Jarrod Sierocki continues on with his deranged attacks on me. Yes i was a partner of Jarrod Sierocki, sure I decided to pull out of Insolvency Guardian. Sure I had issues with Jarrod and the ongoing daily dramas that surrounded having a business relationship with this guy.
The claims you have posted up online about SK and Associates and me are not only slanderous and untrue but almost humorous. 
Your wrote the following defamatory comments online at
We believe the reason for this behavior is to defame my good name and that of Insolvency Guardian and its community work. Jarrod have you questioned your clients about your good name and reputation, it may be a real eye opener when you ask around?
More Behavior We also believe that this competitor is using emails that we believe have been illegally
hacked/obtained from our Servers by him or them
for the sole purpose of discrediting the company Insolvency Guardian and myself, 
You have either watched to many CSI movies or you are seriously delusional, more lies and BS, Jarrod do you think this will help cover your backside.
Lets clear the air once and for all, after Jarrod and I parted company we both agreed we would not do anything to hinder or cause harm, hindrance or malice towards each other. It was also stated in a legal binding agreement. I have attached a coy of this agreement clause. Jarrod's first low blow punch towards me was when he reported my new site to Google for black listing. See for yourself the facts don't lie.
2B. Acknowledgement by Sierocki
Sierocki, Insolvency Guardian and related entities expressly acknowledge that no restraint of trade applies to Klerck, his associates and related entities under this Deed. This means that Klerck and his associates and related entities may act in direct competition to Sierocki, Insolvency Guardian and related companies and any further business activities which may be
perceived to be or is in direct competition to Insolvency Guardian. 

So what is the first attack against me and Insolvency Professionals? So as you can now see the so called victim, is not the victim he is the creator of his own problems and destiny.
Notice Unavailable DMCA (Copyright) Complaint to Google
Sent by: Insolvency Guardian Pty Ltd 

To: GoogleThe cease-and-desist or legal threat you requested is not yet available.Chilling Effects will post the notice after we process it. Question: Why does a web host, blogging service provider, or search
engine get DMCA takedown notices?Answer: Many copyright claimants are making complaints under the Digital Millennium Copyright Act, Section 512(c)'s safe-harbor for hosts of "Information Residing on Systems or Networks At Direction of Users" or Section 512(d)'s safe-harbor for providers of "Information Location Tools." These safe harbors give providers immunity from liability for users' possible copyright infringement -- if they "expeditiously" remove material when they get complaints. Whether or not the provider would have been liable for infringement by users' materials it hosts or links to, the provider can avoid the possibility of a lawsuit for money damages by following the DMCA's takedown procedure when it gets a complaint. The person whose information was removed can file a counter-notification if he or she believes the complaint was erroneous.
So straight away he gets this activated and damages any chances of me attempting to make Insolvency Professionals a success.
In response to a complaint we received under the US Digital Millennium Copyright Act, we have removed 8 result(s) from this page. If you wish, you may read the DMCA complaint that caused the removal(s) at
I wont go into all the additional, childish behavior that I have had to endure. 
But as all the Insolvency Guardian unhappy customers begin to speak out Jarrod straight away goes on the attack against me, by filling a Supreme Court Action for defamation. Here is the reality Jarrod, it is only defamation if:
Defamation is a tort, or a civil wrong, which occurs when defamatory material relating to an individual is published. 
Material will be defamatory if it could: injure the reputation of the individual by exposing them to hatred, contempt or ridicule; cause people to shun or avoid the individual; or lower the individuals estimation by right thinking members of society.
For a defamation action to be successful, three elements must be satisfied: the information was communicated by the defendant to a third person other than the plaintiff (publication); the material
identifies the plaintiff (identification); and the information/material contains matter that is defamatory, regardless of whether the material was intentionally published or not (defamatory matter). Provided that no defences are applicable, if the elements are satisfied then the defendant will be liable to pay damages to the plaintiff to compensate him or her for the damage caused to his or her reputation.
Both are actionable, and I can assure you if you don't file a notice of discontinuance, post public apologies to me and my companies, agree to a cease and desist order I will use that Amex Black of mine that you have bagged me out in other posts about having and slam you with the best legal representation money can buy. I know I will never get anything out of you, because you have to have something in the first place. I will get a surety for costs against you because your claim is false and unproven.
But at the end of the day I will prove my credibility over yours this will be determined by the 18 signed affidavits I now hold in my possession one of these comes from a gentleman called Praveen Raghuhbar he has provided me with so many emails from you as well as recordings of threatening phone
calls where you racially abused both Praveen and Scott Briggs in an attempt to extort more money from them. Maybe a Podcast would be appropriate in this case. The interesting factor with all these affidavits is they all make reference and claims of you being a Barrister and or Forensic Accountant. I have also managed to track down proof that you stood up at a Bartercard breakfast and advised all attendees that you were in fact a Barrister. Will Jamieson has also sworn out an affidavit that you advised him in front of a Justice of the Peace at Vincents chartered accountants in Brisbane that you are a Barrister. The same as you told Scott Donald, Nick Ray, Mick James, Michael and Kerri-Anne Benton, Brent Thompson, Kurt Frazer, Drew Hankin, Tony Atkins a police officer from Kingscliff and the list goes on and on.
This has been reported to the Legal Services Commission, ASIC and ITSA in sworn affidavits.
Here is a copy of the text used in your email to Praveen Raghuhbar.
12 September 2011
Praveen Raghubar
Scott Briggs
10 Fisher Parade
Dear Sirs
Re: Outstanding Monies due and payable
We refer to the amount outstanding and further, your attempt to travel to China tomorrow the 13th
September 2011.
We advise that there is an amount outstanding of $7,700.00 which was demanded on Wednesday the 7th September 2011.
We advise that we have stopped your ability to travel to China or leave Australia on the premise that you are a director of a company that we believe has committed a range of offences.
We will be proceeding to investigate this further and issuing you a statement of claim in both names as
we believe that Mr Briggs was acting at all times as a shadow director.
Jarrod Sierocki
Insolvency Guardian Pty Ltd

So because both of these guys disputed the ongoing and additional charges you kept charging them you just went and added defaults on their Veda File's. Who are you? I remember when you put a default against my ex-wife just for the hell of it, she has also provided a stat dec about this. You are a true Champion.

Veda Advantage Information Services and Solutions Ltd
ABN 26 000 602 862
Service Request ID: 110925-W103Q-002HV
Client Charge Back No:
Report date: 25 Sep 2011
Individual Default Addition Details
Account Type Cash on Delivery
Account Number 225956
Default Amount 650
Reason to Report Clearout
Role Principal

Veda Advantage Information Services and Solutions Ltd
ABN 26 000 602 862
Service Request ID: 110925-W103Q-002HN
Client Charge Back No:
Report date: 25 Sep 2011
Individual Default Addition Details
Account Type Cash on Delivery
Account Number 221548
Default Amount 2750
Reason to Report Referred to Collection or Collection Agency
Role Joint
Co-borrower Scott Briggs

The interesting part to all this is that the additional money Jarrod was attempting to get out of Praveen and Scott, that Jarrod claimed was paid to the trustee will now also be under review.

Now tell me, or tell the world Jarrod that all of this is more lies posted as a smear campaign against you. Praveen has also signed a statement as to what you did to him at a Bartercard trade show, you came up to him and abused him, threatened him, and yelled at him that he was scum, just like Paul Klerck. Seriously, Jarrod you still have not learned to control yourself, this was my biggest concern with you and to publicly blurt this out was not going to go on unchecked or observed.
Why don't we both agree to a video recorded polygraph test and the place the results online or better still we can webcast the actual test? I am ready whenever you are so lets go and get it over with. This way will see who is smearing who and who is telling the truth and who is the liar.
Your Supreme Court Defamation case is just a way you try and defend your actions. It's just another attempt to bully and attack, always on the attack without any right or reason that is who you
are Jarrod. I can assure you of this, your Bartercard powered solicitors won't get you up on this, you are setting them up for huge disappointment Jarrod. How many lawyers have you gone through in the past 2 years? 6, 7 or is it 8 firms or maybe more.
So I guess Jarrod lets look at the real truth, the real facts you started the attack against me and SK and Associates along time before you started making false claims and accusations against me and my companies. Just like you posted up a vulgar untruth about me back in December 2011 under an ex employees of my company Mick. Jarrod I know Mick never posted this, don't you. You are always
so jealous of what you don't have never happy with what you do have. A beautiful wife and two awesome little children that crave their dads love and attention. Please Jarrod stop wasting money on lawyers and get some real help mate, some medical help. 
Jarrod I am giving you an opportunity to save some type of face and stop all this rubbish now. Jarrod this will cost us both thousands of dollars and the fall out will continue on for a very long time. Just so you understand if and when the police come knocking and they will be, your defamation claims will no longer hold any substance, because the truth will finally be out.
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#3 UPDATE Employee

Smear Campaign

AUTHOR: bulldog17 - (Australia)

Insolvency Guardian, its Directors, employees, franchisees and agents deny the allegations made and believe it to be part of a smear campaign.

As required by law, Insolvency Guardian, its Directors, employees, franchisees and agents cannot comment on any allegation as we are bound by the Privacy Act (Cth) and further, believe this is a matter for police.

In light of the allegations, Insolvency Guardian have taken steps legally by commencing proceedings in the Supreme Court of QLD, Australia.  Matter number 638/13 and will be proceeding with the matter.

Insolvency Guardian takes this opportunity to identify and assure our clients that even when allegations have been made against its directors, staff and the brand, our main concern is our customers privacy and the protection of their personal


Insolvency Guardian Pty Ltd
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#4 UPDATE EX-employee responds

Typical case of Sierocki verbal crap

AUTHOR: Batman - (Australia)

I unfortUnately have been inside this boiler room of pure evil that is insolvency Guardian. This Sir Jarrod Sierocki is nothing more than a deluded sociopath who shows no remorse or conscience. I have witnessed his illegal activities and seen him sign clients and lawyers signatures on stat decs and government forms to get his forms through and collect his ridiculously exorbitant fees for so called " professional fees" Sierocki has absolutely no formal qualifications and has failed in every business he has put his fingers on or in.

He is not a solicitor, barrister, forensic accountant, Freemason, or a "sir" he lives in a fantasy world. Unfortunately he is a very good confidence man who preys on poor individuals who are in desperate need of "correct and qualified professional financial help. They fall into the dark realm of Sierocki and his minions at insolvency guardian.

I have witness good people come in for basic advice on restructuring their affairs and before you know it Sierocki has then signing their lives and finances away and being placed in bankruptcy, Jarrod then proceeds to abscond with any thing of value in his greedy paws.
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#5 REBUTTAL Owner of company

Insolvency Guardian Pty Ltd and Jarrod Sierocki

AUTHOR: Insolvency Guardian Pty Ltd - (Australia)

Insolvency Guardian Pty Ltd and Jarrod Sierocki both deny the allegations made in this post which is part of a much wider smear campaign being conducted over the internet by one of its direct competitors. 

There are references in this or in associated posts to a former business partner who now runs Insolvency Professionals, one of our business competitors.  The DNS search for that business is set out below to show you that relationship.

A Claim for defamation has been filed in the Supreme Court of Queensland (Claim 638/2013) and has been served upon each of the parties identified as being responsible for the defamatory publications to date.

Pending the outcome of that Claim, please keep in mind that this post is made by, or on
behalf of, one of our direct business competitors.

Domain Name:           
Registrar ID:                    Crazy Domains
Registrar Name:                  Crazy Domains
Status:                          ok
Registrant:                      SK & ASSOCIATES PTY. LTD.
Registrant ID:                   ACN 155041491
Eligibility Type:                Company Registrant
Contact ID:           R-002543271-SN
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