Liberty Resources, Chad Wickline, Financial Freedom Concepts, Loyd Davis, RidgewoodHoldings, Mike Amato Ripoff Liberty Resources Credit Card Debt Elimination Scam Stole $8149.70 from me to "0" my CC Balances through unlawful Arbitration scam Canal Winchester Ohio *EDitor's Suggestions on how to get your money back into your bank account!

Appears Chad is a new distributor and is doing well already for Localadlink.com. This new MLM is led by Robert McNulty http://findarticles.com/p/articles/mi_m0HWW/is_/ai_66809558. Also, here is a ripoffreport.com regarding Localadlink (Report: #404408) of boomj/beyond commerce/localadlink...fyi. http://www.ripoffreport.com/reports/0/404/RipOff0404408.htm


So, one solution might be to file civil suit and garnish Mr. Wickline's income on any potential profit he receives going forward. From this article, it appears he owes about $344,000 in restitution....
http://www.columbusdispatch.com/live/content/local_news/stories/2008/07/10/defrauding_debtors.html?sid=101

Just a thought and potential solution. But, then again, is it worth legal fees to pursue it. It's frustrating.

Eric L

Dad, son plead guilty to defrauding debtors
Pickerington men's scheme victimized about 400 people
Thursday, July 10, 2008 6:23 AM
By Jodi Andes

THE COLUMBUS DISPATCH
The Web site offered to wipe away thousands in debt, "no matter how
much you owe."


The plan was "100% legal" and "100% successful," the Pickerington
father and son promised on their site.


But what Chad and Dan Wickline's company, Liberty Resources, did was
put about 400 people further into debt. In fact, the company's scheme
actually sent some people into bankruptcy and defrauded its victims of
hundreds of thousands of dollars, prosecutors said in federal court.


Yesterday, midway through their trial, the Wicklines pleaded guilty to
defrauding customers in a scheme that promised to eliminate credit-
card debt.


Their pleas, which will send both of the Wicklines to federal prison,
came during a trial in U.S. District Court that started June 26.


Martin Smith, who testified in the case this month, admitted that he
should have realized the claims were too good to be true.


The environmental engineer from Carthage, Mo., had racked up $50,000
in credit-card debt after a divorce and remarriage. He became involved
with Liberty Resources when he received an unsolicited e-mail from the
company that promised "debt elimination."


Smith testified that Chad Wickline told him that Liberty Resources
would make all of Smith's debt go away if he paid $7,500.


The company's alleged secret weapon was what Smith was told was a
little-known fact that federally insured banks really don't have the
authority to issue credit, Smith testified.


So under Wickline's advice, Smith stopped paying his bills and fought
his bank over his debt. For the $7,500, he and other victims got a
document saying they were absolved of their debt.


But the debt never went away. And Smith, who said he had pristine
credit before dealing with Liberty Resources, developed credit
problems. He also ended up paying back $45,000 of the debt, in
addition to the $7,500 he paid Liberty.


The money, he said, came thanks to a loan from his father.


Smith was one of several people who testified against the Wicklines.
The victims came from all parts of the country.


Assistant U.S. Attorneys Daniel A. Brown and Marcia Harris told jurors
that the Wicklines never ended anyone's debts. Many declared
bankruptcy, they said.


Internal Revenue Service agent Robert Liberto testified that there
were false statements and testimonials on the company's Web site,
including the one about federally insured banks giving loans.


Dan Wickline, 61, and son, Chad, each pleaded guilty to one count of
conspiracy to commit money laundering. Chad Wickline, 34, also pleaded
guilty to one count of mail fraud.


After court, Chad Wickline would say only that "the system is
definitely not what you are taught in school." He then refused to
elaborate.


His attorneys, Robert G. Bernhoft and Ross M. Babbitt, who defended
actor Wesley Snipes in his tax-evasion trial, declined to comment.


They had fought to keep the plea hearing closed, but Judge Algenon L.
Marbley refused.


Sentencing will be held later.


Under terms of his plea agreement, Dan Wickline faces a prison term of
12 to 18 months and three years of supervised release. He must pay
taxes, interest and penalties on the money he received and make
$229,958 in restitution to victims.


Terms are similar for Chad Wickline, except he faces a sentence of 24
to 30 months and must pay back $388,056 to victims.

Dad, son plead guilty to defrauding debtors
Pickerington men's scheme victimized about 400 people
Thursday, July 10, 2008 6:23 AM
By Jodi Andes

THE COLUMBUS DISPATCH
The Web site offered to wipe away thousands in debt, "no matter how
much you owe."


The plan was "100% legal" and "100% successful," the Pickerington
father and son promised on their site.


But what Chad and Dan Wickline's company, Liberty Resources, did was
put about 400 people further into debt. In fact, the company's scheme
actually sent some people into bankruptcy and defrauded its victims of
hundreds of thousands of dollars, prosecutors said in federal court.


Yesterday, midway through their trial, the Wicklines pleaded guilty to
defrauding customers in a scheme that promised to eliminate credit-
card debt.


Their pleas, which will send both of the Wicklines to federal prison,
came during a trial in U.S. District Court that started June 26.


Martin Smith, who testified in the case this month, admitted that he
should have realized the claims were too good to be true.


The environmental engineer from Carthage, Mo., had racked up $50,000
in credit-card debt after a divorce and remarriage. He became involved
with Liberty Resources when he received an unsolicited e-mail from the
company that promised "debt elimination."


Smith testified that Chad Wickline told him that Liberty Resources
would make all of Smith's debt go away if he paid $7,500.


The company's alleged secret weapon was what Smith was told was a
little-known fact that federally insured banks really don't have the
authority to issue credit, Smith testified.


So under Wickline's advice, Smith stopped paying his bills and fought
his bank over his debt. For the $7,500, he and other victims got a
document saying they were absolved of their debt.


But the debt never went away. And Smith, who said he had pristine
credit before dealing with Liberty Resources, developed credit
problems. He also ended up paying back $45,000 of the debt, in
addition to the $7,500 he paid Liberty.


The money, he said, came thanks to a loan from his father.


Smith was one of several people who testified against the Wicklines.
The victims came from all parts of the country.


Assistant U.S. Attorneys Daniel A. Brown and Marcia Harris told jurors
that the Wicklines never ended anyone's debts. Many declared
bankruptcy, they said.


Internal Revenue Service agent Robert Liberto testified that there
were false statements and testimonials on the company's Web site,
including the one about federally insured banks giving loans.


Dan Wickline, 61, and son, Chad, each pleaded guilty to one count of
conspiracy to commit money laundering. Chad Wickline, 34, also pleaded
guilty to one count of mail fraud.


After court, Chad Wickline would say only that "the system is
definitely not what you are taught in school." He then refused to
elaborate.


His attorneys, Robert G. Bernhoft and Ross M. Babbitt, who defended
actor Wesley Snipes in his tax-evasion trial, declined to comment.


They had fought to keep the plea hearing closed, but Judge Algenon L.
Marbley refused.


Sentencing will be held later.


Under terms of his plea agreement, Dan Wickline faces a prison term of
12 to 18 months and three years of supervised release. He must pay
taxes, interest and penalties on the money he received and make
$229,958 in restitution to victims.


Terms are similar for Chad Wickline, except he faces a sentence of 24
to 30 months and must pay back $388,056 to victims.

Dad, son plead guilty to defrauding debtors
Pickerington men's scheme victimized about 400 people
Thursday, July 10, 2008 6:23 AM
By Jodi Andes

THE COLUMBUS DISPATCH
The Web site offered to wipe away thousands in debt, "no matter how
much you owe."


The plan was "100% legal" and "100% successful," the Pickerington
father and son promised on their site.


But what Chad and Dan Wickline's company, Liberty Resources, did was
put about 400 people further into debt. In fact, the company's scheme
actually sent some people into bankruptcy and defrauded its victims of
hundreds of thousands of dollars, prosecutors said in federal court.


Yesterday, midway through their trial, the Wicklines pleaded guilty to
defrauding customers in a scheme that promised to eliminate credit-
card debt.


Their pleas, which will send both of the Wicklines to federal prison,
came during a trial in U.S. District Court that started June 26.


Martin Smith, who testified in the case this month, admitted that he
should have realized the claims were too good to be true.


The environmental engineer from Carthage, Mo., had racked up $50,000
in credit-card debt after a divorce and remarriage. He became involved
with Liberty Resources when he received an unsolicited e-mail from the
company that promised "debt elimination."


Smith testified that Chad Wickline told him that Liberty Resources
would make all of Smith's debt go away if he paid $7,500.


The company's alleged secret weapon was what Smith was told was a
little-known fact that federally insured banks really don't have the
authority to issue credit, Smith testified.


So under Wickline's advice, Smith stopped paying his bills and fought
his bank over his debt. For the $7,500, he and other victims got a
document saying they were absolved of their debt.


But the debt never went away. And Smith, who said he had pristine
credit before dealing with Liberty Resources, developed credit
problems. He also ended up paying back $45,000 of the debt, in
addition to the $7,500 he paid Liberty.


The money, he said, came thanks to a loan from his father.


Smith was one of several people who testified against the Wicklines.
The victims came from all parts of the country.


Assistant U.S. Attorneys Daniel A. Brown and Marcia Harris told jurors
that the Wicklines never ended anyone's debts. Many declared
bankruptcy, they said.


Internal Revenue Service agent Robert Liberto testified that there
were false statements and testimonials on the company's Web site,
including the one about federally insured banks giving loans.


Dan Wickline, 61, and son, Chad, each pleaded guilty to one count of
conspiracy to commit money laundering. Chad Wickline, 34, also pleaded
guilty to one count of mail fraud.


After court, Chad Wickline would say only that "the system is
definitely not what you are taught in school." He then refused to
elaborate.


His attorneys, Robert G. Bernhoft and Ross M. Babbitt, who defended
actor Wesley Snipes in his tax-evasion trial, declined to comment.


They had fought to keep the plea hearing closed, but Judge Algenon L.
Marbley refused.


Sentencing will be held later.


Under terms of his plea agreement, Dan Wickline faces a prison term of
12 to 18 months and three years of supervised release. He must pay
taxes, interest and penalties on the money he received and make
$229,958 in restitution to victims.


Terms are similar for Chad Wickline, except he faces a sentence of 24
to 30 months and must pay back $388,056 to victims.

Dad, son plead guilty to defrauding debtors
Pickerington men's scheme victimized about 400 people
Thursday, July 10, 2008 6:23 AM
By Jodi Andes

THE COLUMBUS DISPATCH
The Web site offered to wipe away thousands in debt, "no matter how
much you owe."


The plan was "100% legal" and "100% successful," the Pickerington
father and son promised on their site.


But what Chad and Dan Wickline's company, Liberty Resources, did was
put about 400 people further into debt. In fact, the company's scheme
actually sent some people into bankruptcy and defrauded its victims of
hundreds of thousands of dollars, prosecutors said in federal court.


Yesterday, midway through their trial, the Wicklines pleaded guilty to
defrauding customers in a scheme that promised to eliminate credit-
card debt.


Their pleas, which will send both of the Wicklines to federal prison,
came during a trial in U.S. District Court that started June 26.


Martin Smith, who testified in the case this month, admitted that he
should have realized the claims were too good to be true.


The environmental engineer from Carthage, Mo., had racked up $50,000
in credit-card debt after a divorce and remarriage. He became involved
with Liberty Resources when he received an unsolicited e-mail from the
company that promised "debt elimination."


Smith testified that Chad Wickline told him that Liberty Resources
would make all of Smith's debt go away if he paid $7,500.


The company's alleged secret weapon was what Smith was told was a
little-known fact that federally insured banks really don't have the
authority to issue credit, Smith testified.


So under Wickline's advice, Smith stopped paying his bills and fought
his bank over his debt. For the $7,500, he and other victims got a
document saying they were absolved of their debt.


But the debt never went away. And Smith, who said he had pristine
credit before dealing with Liberty Resources, developed credit
problems. He also ended up paying back $45,000 of the debt, in
addition to the $7,500 he paid Liberty.


The money, he said, came thanks to a loan from his father.


Smith was one of several people who testified against the Wicklines.
The victims came from all parts of the country.


Assistant U.S. Attorneys Daniel A. Brown and Marcia Harris told jurors
that the Wicklines never ended anyone's debts. Many declared
bankruptcy, they said.


Internal Revenue Service agent Robert Liberto testified that there
were false statements and testimonials on the company's Web site,
including the one about federally insured banks giving loans.


Dan Wickline, 61, and son, Chad, each pleaded guilty to one count of
conspiracy to commit money laundering. Chad Wickline, 34, also pleaded
guilty to one count of mail fraud.


After court, Chad Wickline would say only that "the system is
definitely not what you are taught in school." He then refused to
elaborate.


His attorneys, Robert G. Bernhoft and Ross M. Babbitt, who defended
actor Wesley Snipes in his tax-evasion trial, declined to comment.


They had fought to keep the plea hearing closed, but Judge Algenon L.
Marbley refused.


Sentencing will be held later.


Under terms of his plea agreement, Dan Wickline faces a prison term of
12 to 18 months and three years of supervised release. He must pay
taxes, interest and penalties on the money he received and make
$229,958 in restitution to victims.


Terms are similar for Chad Wickline, except he faces a sentence of 24
to 30 months and must pay back $388,056 to victims.

A Pickerington father and son who pitched a credit card debt-elimination scheme pleaded guilty Wednesday to federal charges of defrauding consumers.

Dan Wickline, 61, and Chad Wickline, 34, pleaded guilty in U.S. District Court in Columbus to defrauding customers out of hundreds of thousands of dollars.

Their plea comes after a grand jury indicted the two in 2007 following an investigation by the IRS, Postal Service and U.S. Attorney's office. The Wicklines had been on trial since June 25, but that ended Wednesday with their guilty pleas.

The men worked through Liberty Resources, which marketed debt-elimination services over the Internet. Liberty charged a fee to help consumers get out from under credit card debt and they received documents from the business claiming that the debt had been eliminated by the program, the U.S. Attorney's office said.

But when customers stopped paying on their credit cards, thinking their debt was clearer, card issuers sued them for payment. Many filed for bankruptcy, the government said.

Dan Wickline faces 12 to 18 months in prison, three years of supervised release, restitution to victims of nearly $230,000 plus taxes, penalties and interest payments.

Chad Wickline faces between 24 to 30 months in jail, three years of supervised release, $388,000 in restitution plus taxes, penalties and interest payments.

A sentencing date hasn't been set.

A Pickerington father and son who pitched a credit card debt-elimination scheme pleaded guilty Wednesday to federal charges of defrauding consumers.

Dan Wickline, 61, and Chad Wickline, 34, pleaded guilty in U.S. District Court in Columbus to defrauding customers out of hundreds of thousands of dollars.

Their plea comes after a grand jury indicted the two in 2007 following an investigation by the IRS, Postal Service and U.S. Attorney's office. The Wicklines had been on trial since June 25, but that ended Wednesday with their guilty pleas.

The men worked through Liberty Resources, which marketed debt-elimination services over the Internet. Liberty charged a fee to help consumers get out from under credit card debt and they received documents from the business claiming that the debt had been eliminated by the program, the U.S. Attorney's office said.

But when customers stopped paying on their credit cards, thinking their debt was clearer, card issuers sued them for payment. Many filed for bankruptcy, the government said.

Dan Wickline faces 12 to 18 months in prison, three years of supervised release, restitution to victims of nearly $230,000 plus taxes, penalties and interest payments.

Chad Wickline faces between 24 to 30 months in jail, three years of supervised release, $388,000 in restitution plus taxes, penalties and interest payments.

A sentencing date hasn't been set.

A Pickerington father and son who pitched a credit card debt-elimination scheme pleaded guilty Wednesday to federal charges of defrauding consumers.

Dan Wickline, 61, and Chad Wickline, 34, pleaded guilty in U.S. District Court in Columbus to defrauding customers out of hundreds of thousands of dollars.

Their plea comes after a grand jury indicted the two in 2007 following an investigation by the IRS, Postal Service and U.S. Attorney's office. The Wicklines had been on trial since June 25, but that ended Wednesday with their guilty pleas.

The men worked through Liberty Resources, which marketed debt-elimination services over the Internet. Liberty charged a fee to help consumers get out from under credit card debt and they received documents from the business claiming that the debt had been eliminated by the program, the U.S. Attorney's office said.

But when customers stopped paying on their credit cards, thinking their debt was clearer, card issuers sued them for payment. Many filed for bankruptcy, the government said.

Dan Wickline faces 12 to 18 months in prison, three years of supervised release, restitution to victims of nearly $230,000 plus taxes, penalties and interest payments.

Chad Wickline faces between 24 to 30 months in jail, three years of supervised release, $388,000 in restitution plus taxes, penalties and interest payments.

A sentencing date hasn't been set.

A Pickerington father and son who pitched a credit card debt-elimination scheme pleaded guilty Wednesday to federal charges of defrauding consumers.

Dan Wickline, 61, and Chad Wickline, 34, pleaded guilty in U.S. District Court in Columbus to defrauding customers out of hundreds of thousands of dollars.

Their plea comes after a grand jury indicted the two in 2007 following an investigation by the IRS, Postal Service and U.S. Attorney's office. The Wicklines had been on trial since June 25, but that ended Wednesday with their guilty pleas.

The men worked through Liberty Resources, which marketed debt-elimination services over the Internet. Liberty charged a fee to help consumers get out from under credit card debt and they received documents from the business claiming that the debt had been eliminated by the program, the U.S. Attorney's office said.

But when customers stopped paying on their credit cards, thinking their debt was clearer, card issuers sued them for payment. Many filed for bankruptcy, the government said.

Dan Wickline faces 12 to 18 months in prison, three years of supervised release, restitution to victims of nearly $230,000 plus taxes, penalties and interest payments.

Chad Wickline faces between 24 to 30 months in jail, three years of supervised release, $388,000 in restitution plus taxes, penalties and interest payments.

A sentencing date hasn't been set.

Here is a list of the Charges the Feds have filed against Chad and Dan Wickline

Conspiracy to commit or to defraud, Mail Fraud-Fraud and Swindles, Fraud by wire,radio,or television, Monetary transactions w/property from unlawful act, Conspiracyto launder monetary instruments, Launder monetary instruments to promote specified unlawful activity, Forfeiture of substitute property, Financial transactions involving proceeds of unlawful activity.

Court Date of Jan 14,2008 has been set for Chad & Dan Wickline
Chad has a hearing on Aug 6,2007.....stay tuned for details (Public Record)

Another scam for Dan & Chad. HaHa, just a joke.

Credit Card Debt Company Officials Indicted
Jun 12 2007 8:37PM
COLUMBUS, Ohio - Two central Ohio men were facing federal charges Tuesday for allegations involving a credit repair company they operated.
Dan and Chad Wickline, a father and son from Fairfield County, claimed to offer help to people with credit trouble. But federal authorities said the pair put people deeper in debt.
Indictments filed against them in federal court in Columbus resulted from a nationwide investigation. Numerous people reported being victimized. Internal Revenue Service agents told 10TV News the Wicklines used the U.S. Mail to perpetrate a scam.
Agent Jose Gonzalez said the two men, along with other, specifically targeted individuals and families saddled with credit card debt. Their company based in Canal Winchester, Liberty Resources, was supposed to help card holders eliminate debt payments.
"We just had twins born at the time," one accused explained. "Buying two of everything, we ran up some debt."
So he and countless others trusted Liberty Resources.
"As a victim, we fell into their scam. It was just believable to us to think that it would work. It turned out it didn't."
Agent Gonzalez told 10TV News the company's formula was simple.
"They basically placed false testimonials on the Liberty Resources website. And that's what induced individuals to initiate curiosity of approaching the Wicklines," Gonzalez said.
Charges contained in the federal indictments against the Wicklines included 17 counts of mail and wire fraud, as well as money laundering charges. Details of the charges claim the men devised a business plan "knowing the statements and representations made to customers were false and fraudulent."
10TV News attempted to contact the Wicklines for comment. No one answered the door Tuesday at their listed address in Fairfield County, a home valued by the county auditor at $439,000.
People who felt victimized were hoping to see Dan and Chad Wickline punished.
"Certainly, I hope he gets a long federal prison sentence. And I'd like to see restitution to the victims. The bottom line is these people were out money. If we could get any back, it'd help."
Federal agents estimated the operation netted more than $2 million. The IRS said two other men involved - one from Pickerington and another from Rhode Island - reached plea deals with federal authorities.
The Wicklines could receive up to 20 years in prison if convicted.
Reported by Patrick Bell

I am SOOOO Happy to know about this! First, Ed Dacy, next, Mark Browning, and now "The WICKLINES" all INDICTED!! Maybe we will recoup our money? I certainly HOPE & PRAY DISBARRED ATTORNEY BRUCE HAWKINS, d/b/a SOLOMON ARBITRATION GROUP (SAG) will be indicted, as well. I hope they catch everyone involved.

And now I quote Chad Wickline:

"NO ONE IS GOING TO JAIL OVER THIS" YEAH, RIGHT?

THINKING YOU ARE ABOVE THE LAW AND CAN GET AWAY WITH SCAMS & STEALING PEOPLES' MONEY DOESN'T MAKE IT SO. I HOPE THEY ALL ROT IN JAIL.

I am SOOOO Happy to know about this! First, Ed Dacy, next, Mark Browning, and now "The WICKLINES" all INDICTED!! Maybe we will recoup our money? I certainly HOPE & PRAY DISBARRED ATTORNEY BRUCE HAWKINS, d/b/a SOLOMON ARBITRATION GROUP (SAG) will be indicted, as well. I hope they catch everyone involved.

And now I quote Chad Wickline:

"NO ONE IS GOING TO JAIL OVER THIS" YEAH, RIGHT?

THINKING YOU ARE ABOVE THE LAW AND CAN GET AWAY WITH SCAMS & STEALING PEOPLES' MONEY DOESN'T MAKE IT SO. I HOPE THEY ALL ROT IN JAIL.

I am SOOOO Happy to know about this! First, Ed Dacy, next, Mark Browning, and now "The WICKLINES" all INDICTED!! Maybe we will recoup our money? I certainly HOPE & PRAY DISBARRED ATTORNEY BRUCE HAWKINS, d/b/a SOLOMON ARBITRATION GROUP (SAG) will be indicted, as well. I hope they catch everyone involved.

And now I quote Chad Wickline:

"NO ONE IS GOING TO JAIL OVER THIS" YEAH, RIGHT?

THINKING YOU ARE ABOVE THE LAW AND CAN GET AWAY WITH SCAMS & STEALING PEOPLES' MONEY DOESN'T MAKE IT SO. I HOPE THEY ALL ROT IN JAIL.

" Wicklines have been indicted " - US Attorneys Office (USAOHS)

Tried the e-mail address given for Jason Friedman-by himself and others here-he doesn't exist now-e-mail i sent to him came back-can't find him on internet.!
Here's a bad report i found on him.

sorry, allowing you to give a competitors name would instigate others to just file against their competition, to only come back later to suggest their company your comments on this policy are welcome! CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.

"Mark Browning is currently incarcerated at
FCI- Ashland,KY and is scheduled for release on March 13,2008. The inmate is not eligible for parole." Brian J.Patton - Warden, Correctional Programs Branch

To all clients of Liberty Resources,Ridgewood Holdings,FinancialFreedomConcepts,Solomon Arbitration Group:

Contact Barbara at the U.S. Attorneys office: 888-529-2820. (Southern District of Ohio)

I have provided her with all the info I could think of in regards to Liberty Resources.I made her aware of the complaints filed with the Ohio AG office,and directed her to this site to read our post.

Call Barbara,give her details.....I cannot convey enough how good it felt to talk with her.Call !!!!!!

Barbara is limited on the details she can provide because of the on going litigation.Info will be slow.....we can wait.

Leave her a voice mail,she will return your call.
1-888-529-2820

Good News !!

Disbarred

Bruce E. Hawkins (WSBA No. 25414, admitted 1995), of Gig Harbor, was disbarred, effective February 3, 2006, by order of the Washington State Supreme Court following a stipulation approved by the Disciplinary Board. This discipline was based on his conduct between 2003 and 2004 involving businesses that promised, but did not achieve, reduction or elimination of credit-card debt.

Mr. Hawkins became involved with three nonlawyer-operated website businesses that promoted the ability to reduce or eliminate consumer credit-card debt through private arbitrations. At the request of one of the nonlawyers, Mr. Hawkins reviewed materials connected to the debt-elimination program and suggested changes. Mr. Hawkins allowed his name to be used in promotional materials for the program, including a DVD presentation that claimed that Mr. Hawkins "literally has over 98 percent success rate when he goes to arbitration."

In these materials, which were mailed to potential program customers, Mr. Hawkins represented that credit-card debtors were not bound to the arbitration services specified in their cardholder agreements and should not have to repay their debt on a national bank's credit card because national banks cannot lend credit.

Mr. Hawkins knew, however, that arbitration can be required only if both parties agree in advance that a court is the proper forum to resolve issues about the applicability of arbitration or the appropriateness of an arbitrator, and that since 1996 the Department of the Treasury, Office of the Comptroller of the Currency had decided it is "well established" that national banks can issue credit cards. Relying on Mr. Hawkins's representations, numerous credit-card debtors paid a fee and applied to the program through these websites. The debtors were then referred to a private arbitration service organized to facilitate the program.

In 2003, Mr. Hawkins set up Commercial Arbitration Forum, Inc. (CAFI), a Washington not-for-profit corporation. Mr. Hawkins was CAFI's sole shareholder and sole arbitrator. CAFI arbitrated matters referred to it by the aforementioned website businesses, which at the time needed a new arbitration service because prior arbitration services used by them had either been enjoined from issuing any further awards or had closed.

Mr. Hawkins knew that CAFI would receive cases to arbitrate, because he endorsed the theory that a national banking association could not lend credit. CAFI arbitrations were conducted based only on documents mailed, faxed, or e-mailed to Mr. Hawkins by debtors using paperwork and briefing materials Mr. Hawkins had previously reviewed and modified on behalf of the website businesses.

In conducting CAFI proceedings, Mr. Hawkins did not disclose to the debtors that he had a business relationship with the referring businesses. The first paragraph of each award signed by Mr. Hawkins stated, "no known conflict of interest exists between the Commercial Arbitration Forum . . . and the Claimant or Respondent," though Mr. Hawkins paid substantial sums to the referring businesses. As CAFI's arbitrator, Mr. Hawkins found for the debtor 90 percent of the time. In all of those cases, the creditor defaulted. Mr. Hawkins did not disclose to debtors his role in developing the program materials that were submitted to him as arbitrator.

In December 2003, Mr. Hawkins signed a CAFI arbitration award in favor of a claimant whose "claim" against a national bank was based on a debt owed under a line-of-credit agreement that did not contain an arbitration clause. In the arbitration award, Mr. Hawkins stated that "Claimant alleges an agreement was entered into between the Parties to resolve disputes through arbitration." Mr. Hawkins awarded the claimant $1,500 in attorney's fees and costs, even though the claimant appeared pro se, and he directed the bank to notify the three major credit bureaus that "there is a zero balance owed" by the claimant to the bank.

As in all CAFI arbitrations, Mr. Hawkins relied on the sworn pleadings of the claimants, without either requiring additional proof of proper service of the arbitration demand on the national bank or reviewing the debtor's agreement with the bank to confirm it included an arbitration clause. He knew of no legal authority to support his position that one may go unilaterally to an arbitrator outside those specified in the credit-card agreement. The bank subsequently successfully sued the debtor on the debt.

In an August 2003 letter, another national bank provided "formal notice" to Mr. Hawkins that they "will not agree to arbitrate disputes before CAFI." Nevertheless, after August 2003, Mr. Hawkins entered 177 "awards" in favor of the bank's debtors.

After a debtor received an arbitration "award," the program materials advised the debtor to confirm the award in court. "Awards" issued by Mr. Hawkins and CAFI were rejected by courts in several instances, and, in at least one case in which a debtor attempted to confirm such an award, the court awarded attorney's fees and costs to the bank. By the end of 2003, Mr. Hawkins stopped taking new cases for arbitration, although he continued to arbitrate cases already filed. In the end, he arbitrated over a thousand CAFI arbitrations, charging $139 per matter. Mr. Hawkins collected over $100,000 for issuing CAFI arbitration awards.

In November 2003, a financial-services corporation obtained a temporary restraining order against CAFI and one of the corporation's debtors prohibiting them from conducting any more arbitrations in that debtor's case. Shortly thereafter, Mr. Hawkins sold the CAFI business and software to a non-lawyer friend, with payments to Mr. Hawkins tied to a percentage of income generated by the business (subsequently renamed "SAG") for as long as it maintained operations.

In September 2004, a national bank filed for injunctive and declaratory relief in a Los Angeles County Superior Court against CAFI, SAG, and other so-called mailbox arbitration forums. CAFI defaulted. Eventually, the bank obtained a permanent injunction against CAFI, SAG, and other mailbox arbitration forums prohibiting any further arbitrations involving that bank's California customers.

When an Idaho corporation attempted to confirm SAG arbitration awards that it had received through an assignment, a national bank counterclaimed for injunctive relief. In December 2004, SAG and its owner stipulated to and the court entered a permanent injunction in the Idaho case. Among other things, the order enjoined SAG from "attempting in any manner to engage in arbitration or debt avoidance involving [the bank's] credit card customers through or in conjunction with any other entity or person . . . ."

In 2004, Mr. Hawkins began accepting cases referred to him by the aforementioned website businesses for the purpose of preparing materials for "pro se" debtors from various states. After a debtor submitted the application with a $200 "advance retainer," he or she would be referred to Mr. Hawkins, who would then enter into a separate fee agreement with the debtor based on a percentage of the debt to be "eliminated" and the number of credit cards. The usual fee was about 10 percent of the amount of the debt. Mr. Hawkins would pay 10 percent of the fee to the referring website business. During 2003 and 2004, Mr. Hawkins collected about $200,000 under such fee agreements.

In one instance, after assuring a debtor in Washington that the program was legal and (according to the debtor) that it was easy to get the awards confirmed in court, a debtor paid Mr. Hawkins over $5,700. Mr. Hawkins did not disclose his financial interest in SAG to the debtor.

After receiving a number of SAG arbitration awards, the debtor was unable to confirm the awards in court and did not eliminate any credit-card debt. In at least two other cases in Washington, Mr. Hawkins appeared as the debtors' lawyer in superior court, attempting to rely on mailbox arbitration awards issued by SAG. Neither client in these two cases succeeded.

Mr. Hawkins did not disclose to program participants his financial interest in SAG. Nor did he disclose that it was very rare for anyone following his program to achieve a zero balance or any reduction on their credit-card debt. Mr. Hawkins did not disclose to program participants that only about five percent of cases achieved the goal of having their accounts closed with a "paid as agreed" notation (and that he considered such cases "a mistake on the part of the bank").

Mr. Hawkins did not disclose to program participants that program arbitrations produced favorable awards only by default, that as an arbitrator he did not review materials to ensure his jurisdiction over matters, or that he knew of no case decided in favor of a debtor when banks challenged the arbitration awards in court.

Mr. Hawkins's conduct violated RPC 5.4(a), prohibiting a lawyer from sharing legal fees with a nonlawyer; RPC 7.1(a) and (b), prohibiting a lawyer from making a false or misleading communication about the lawyer or the lawyer's services; RPC 8.4(c), prohibiting a lawyer from engaging in conduct involving dishonesty, fraud, deceit or misrepresentation; and RPC 8.4(d), prohibiting a lawyer from engaging in conduct that is prejudicial to the administration of justice.

Linda B. Eide and M. Craig Bray represented the Bar Association. Mr. Hawkins represented himself. Charles K. Wiggins was the hearing officer.

Suspended

George

9/22/2006 (McClatchy-Tribune Business News)

A Coventry man has been sentenced for filing a false federal income-tax return and failing to report the income he had earned from an Internet-based debt-elimination scheme.
Edward Dacey must serve five months of home confinement and two years of probation,Senior U.S. District Judge George C. Smith ruled yesterday in Columbus,Ohio.

According to court documents and testimony,Dacey was employed at Ridgewood Holdings, a business trust located in Rhode Island.

In 2004, Ridgewood Holdings marketed a debt-elimination service over the Internet for an Ohio company known as Liberty Resources.Dacey admitted that he did not report, on is return for 2004, about $122,000 in income that he recieved from Ridgewood Holdings.
Earlier this year, Mark Browning of Pickerington,Ohio, pleaded guilty to one count of conspiracy to commit money laundering. The charge related to his involvement in Liberty Resources.
Liberty's Web site told potential clients that they could eliminate their credit-card debt by taking advantage of what Liberty described as a loophole in banking laws.In fact, the Web site contained"numerous false and fraudulent representations regarding the effectiveness of this scheme." the IRS criminal investigation unit said.

Part of the money solicited was paid to Ridgewood Holdings,the IRS said.
Details of the case were disclosed by Gregory G.Lockhart,U.S. Attorney for the Southern District of Ohio and Cromwell A. Handy,special agent in charge IRS criminal investigation unit.

"IRS criminal investigation will always vigorously investigate individuals that prey on unsuspecting taxpayers," Handy said in a statement.

Mark Brownings sentencing hearing was supposed to be July 5th at 9:00AM

However,it was pushed back to September 28th at 10:30AM due to the fact prosecuters are wanting more information from him so they can bring indictments against other founders of Liberty Resources before they strike any deal with Mark.

I would imagine they are talking about the other principles of Liberty Resources like Chad, Dan, Mike, Ed and so on.

Mark had stated he would cooperate fully with the government and even testify if they ask him to.

So again,this is why they pushed it back as they are trying to get everything they can before striking a deal with Mark and allowing his sentencing hearing to happen.

I knew and have spoken with many clients of Liberty Resources and they all talked to the same people... Chad, Dan, Ed, Marge, and Kyle. I just brought this latest news to them and none of them had spoken with this Mark character. Only some of them had heard his name used and it certainly wasn't from a Big Fish perspective. From what they have said this guy was just an employee and not a Big Fish at all. Which makes sense if you know how the govt or investigators handle this stuff.

What the Feds usually do, and have probably done, is just started working their way from the bottom up. Either this Mark guy figured out he was involved in something wrong and has done the responsible thing and just plead guilty to get it done with or he is making a deal to testify against the others. Either way he is not a Big Fish more than likely. In fact my connections with the feds have told me that nobody, not even this Mark character, was even charged with any crime yet. That just further supports the two possibilities of 'doing the right thing' or feeling the heat and shreaking like a stuck pig.

In any case I am not going to preach to anybody about how this should make them feel but this very hateful stance that many of you have taken on this is not good for your emotional state or stress levels. I have read most of the threads on this site about the Liberty stuff and some pretty unfounded statements have been made.

Let's not get carried away with who needs to be burnt at the stake cause more than likely everyone will be dissappointed anyway and will never have any real closure on this. Let the feds do their jobs, they do it well and do not need any help from the people in this forum. If they do need help from you then you will be contacted as they most likely have your information.

Remember that if this was a company in any sense of the word then there were some employees there more than likely. And if that is the case then there may have been some serious lashing out at people that are victims as much as any of you that were clients. God forbid if some of you had guns and these people you are now throwing stones at were lined up in front of you. It is likely most of you would be looking at a crime yourselves - manslaughter.

Keep your heads and let the feds do their jobs. In the end there will probably be some parties charged and convicted that you folks never even knew were behind the whole thing. And if that is the case would any of you feel anything for an employee of Liberty that went to jail simply because they were lead to believe the same thing that you were lead to believe? Based on your statements I don't think some of you will feel anything, which is a shame.

These fraud things are tricky so let it pan out and quit getting your expectations set on something that isn't going to give you closure.

Follow the information in the press, as it is obvious that the feds want some people to sweat. Keep in mind that nobody has yet to be indicted or charged with anything yet. This thing could take months yet, maybe even years. It has been going on for a year already. If the people you are all throwing grenades at were as responsible as you claim this would have been a dead issue a few months ago.

My advice is to keep your heads, keep your calm, and stop trying to be private detectives. Let the pros handle it.

I knew and have spoken with many clients of Liberty Resources and they all talked to the same people... Chad, Dan, Ed, Marge, and Kyle. I just brought this latest news to them and none of them had spoken with this Mark character. Only some of them had heard his name used and it certainly wasn't from a Big Fish perspective. From what they have said this guy was just an employee and not a Big Fish at all. Which makes sense if you know how the govt or investigators handle this stuff.

What the Feds usually do, and have probably done, is just started working their way from the bottom up. Either this Mark guy figured out he was involved in something wrong and has done the responsible thing and just plead guilty to get it done with or he is making a deal to testify against the others. Either way he is not a Big Fish more than likely. In fact my connections with the feds have told me that nobody, not even this Mark character, was even charged with any crime yet. That just further supports the two possibilities of 'doing the right thing' or feeling the heat and shreaking like a stuck pig.

In any case I am not going to preach to anybody about how this should make them feel but this very hateful stance that many of you have taken on this is not good for your emotional state or stress levels. I have read most of the threads on this site about the Liberty stuff and some pretty unfounded statements have been made.

Let's not get carried away with who needs to be burnt at the stake cause more than likely everyone will be dissappointed anyway and will never have any real closure on this. Let the feds do their jobs, they do it well and do not need any help from the people in this forum. If they do need help from you then you will be contacted as they most likely have your information.

Remember that if this was a company in any sense of the word then there were some employees there more than likely. And if that is the case then there may have been some serious lashing out at people that are victims as much as any of you that were clients. God forbid if some of you had guns and these people you are now throwing stones at were lined up in front of you. It is likely most of you would be looking at a crime yourselves - manslaughter.

Keep your heads and let the feds do their jobs. In the end there will probably be some parties charged and convicted that you folks never even knew were behind the whole thing. And if that is the case would any of you feel anything for an employee of Liberty that went to jail simply because they were lead to believe the same thing that you were lead to believe? Based on your statements I don't think some of you will feel anything, which is a shame.

These fraud things are tricky so let it pan out and quit getting your expectations set on something that isn't going to give you closure.

Follow the information in the press, as it is obvious that the feds want some people to sweat. Keep in mind that nobody has yet to be indicted or charged with anything yet. This thing could take months yet, maybe even years. It has been going on for a year already. If the people you are all throwing grenades at were as responsible as you claim this would have been a dead issue a few months ago.

My advice is to keep your heads, keep your calm, and stop trying to be private detectives. Let the pros handle it.

I knew and have spoken with many clients of Liberty Resources and they all talked to the same people... Chad, Dan, Ed, Marge, and Kyle. I just brought this latest news to them and none of them had spoken with this Mark character. Only some of them had heard his name used and it certainly wasn't from a Big Fish perspective. From what they have said this guy was just an employee and not a Big Fish at all. Which makes sense if you know how the govt or investigators handle this stuff.

What the Feds usually do, and have probably done, is just started working their way from the bottom up. Either this Mark guy figured out he was involved in something wrong and has done the responsible thing and just plead guilty to get it done with or he is making a deal to testify against the others. Either way he is not a Big Fish more than likely. In fact my connections with the feds have told me that nobody, not even this Mark character, was even charged with any crime yet. That just further supports the two possibilities of 'doing the right thing' or feeling the heat and shreaking like a stuck pig.

In any case I am not going to preach to anybody about how this should make them feel but this very hateful stance that many of you have taken on this is not good for your emotional state or stress levels. I have read most of the threads on this site about the Liberty stuff and some pretty unfounded statements have been made.

Let's not get carried away with who needs to be burnt at the stake cause more than likely everyone will be dissappointed anyway and will never have any real closure on this. Let the feds do their jobs, they do it well and do not need any help from the people in this forum. If they do need help from you then you will be contacted as they most likely have your information.

Remember that if this was a company in any sense of the word then there were some employees there more than likely. And if that is the case then there may have been some serious lashing out at people that are victims as much as any of you that were clients. God forbid if some of you had guns and these people you are now throwing stones at were lined up in front of you. It is likely most of you would be looking at a crime yourselves - manslaughter.

Keep your heads and let the feds do their jobs. In the end there will probably be some parties charged and convicted that you folks never even knew were behind the whole thing. And if that is the case would any of you feel anything for an employee of Liberty that went to jail simply because they were lead to believe the same thing that you were lead to believe? Based on your statements I don't think some of you will feel anything, which is a shame.

These fraud things are tricky so let it pan out and quit getting your expectations set on something that isn't going to give you closure.

Follow the information in the press, as it is obvious that the feds want some people to sweat. Keep in mind that nobody has yet to be indicted or charged with anything yet. This thing could take months yet, maybe even years. It has been going on for a year already. If the people you are all throwing grenades at were as responsible as you claim this would have been a dead issue a few months ago.

My advice is to keep your heads, keep your calm, and stop trying to be private detectives. Let the pros handle it.

I knew and have spoken with many clients of Liberty Resources and they all talked to the same people... Chad, Dan, Ed, Marge, and Kyle. I just brought this latest news to them and none of them had spoken with this Mark character. Only some of them had heard his name used and it certainly wasn't from a Big Fish perspective. From what they have said this guy was just an employee and not a Big Fish at all. Which makes sense if you know how the govt or investigators handle this stuff.

What the Feds usually do, and have probably done, is just started working their way from the bottom up. Either this Mark guy figured out he was involved in something wrong and has done the responsible thing and just plead guilty to get it done with or he is making a deal to testify against the others. Either way he is not a Big Fish more than likely. In fact my connections with the feds have told me that nobody, not even this Mark character, was even charged with any crime yet. That just further supports the two possibilities of 'doing the right thing' or feeling the heat and shreaking like a stuck pig.

In any case I am not going to preach to anybody about how this should make them feel but this very hateful stance that many of you have taken on this is not good for your emotional state or stress levels. I have read most of the threads on this site about the Liberty stuff and some pretty unfounded statements have been made.

Let's not get carried away with who needs to be burnt at the stake cause more than likely everyone will be dissappointed anyway and will never have any real closure on this. Let the feds do their jobs, they do it well and do not need any help from the people in this forum. If they do need help from you then you will be contacted as they most likely have your information.

Remember that if this was a company in any sense of the word then there were some employees there more than likely. And if that is the case then there may have been some serious lashing out at people that are victims as much as any of you that were clients. God forbid if some of you had guns and these people you are now throwing stones at were lined up in front of you. It is likely most of you would be looking at a crime yourselves - manslaughter.

Keep your heads and let the feds do their jobs. In the end there will probably be some parties charged and convicted that you folks never even knew were behind the whole thing. And if that is the case would any of you feel anything for an employee of Liberty that went to jail simply because they were lead to believe the same thing that you were lead to believe? Based on your statements I don't think some of you will feel anything, which is a shame.

These fraud things are tricky so let it pan out and quit getting your expectations set on something that isn't going to give you closure.

Follow the information in the press, as it is obvious that the feds want some people to sweat. Keep in mind that nobody has yet to be indicted or charged with anything yet. This thing could take months yet, maybe even years. It has been going on for a year already. If the people you are all throwing grenades at were as responsible as you claim this would have been a dead issue a few months ago.

My advice is to keep your heads, keep your calm, and stop trying to be private detectives. Let the pros handle it.

Jaime,

I don't know where you get off making those comments! LR ran a business that had nothing positive about it. I do not know of one person who had anything positive to say about the services they received from LR. LR would lie to people on the phone all the time, and they would not provide documents to people when they should. I didn't find out what LR scam was until I was to far into it. I have over 280 e-mails saved that are proof that LR was a scam. I would send e-mails all the time, and would not receive responses. When I did receive responses, they were generic and didn't answer my questions. I was able to buy a car for 1.9% financing just before I was suckered into their scam. One year later I had three charge-offs, and a credit rating that was horrible. I was in more debt than before I ever heard of LR. They did not provide any services to their clients besides making their lives a living hell!!! How can you justify a business that charges people money to destroy their life? What legal business in the world charges their clients and then destroys their credit rating and makes them more in debt? I can't think of one company that charges their clients to make their life worse than it was before. I can not believe you have sympathy for these bastards. They did not make a mistake. They destroyed many of their clients lives!!!!!!! All the phone calls and letters that I received were not somebodies mistake. LR knew what they were doing to there clients lives, and continued to accept more clients. They wanted peoples money, and knew they were doing nothing more than making more debt for their clients. DON'T SPEAK FOR LR CLIENTS WHEN YOU EXPRESS SYMPATHY FOR THOSE BASTARDS!!! My hands shake every day because of what they put me through!!! They shake just like an old man, but I am under the age of 30. I do not have sympathy for people like that!

I'm ignoring Jamie's comments; obviously this must be a person involved up to their neck with L.R.

David, with all due respect, I just don't believe Mark IS the "BIG FISH". He's more like a "sucker fish". I'm VERY HAPPY he got caught, and I hope he "sings like a bird" JAIL BIRD, LOL!

A BIG "THANK YOU" To NANCY!!

Whether or not Chad and the rest go down also is yet to be seen. I CERTAINLY HOPE SO!! It does look PROMISING!!!!

Jamie- I'm sure the Promise Keeping Christian Big Fish will be thankful for your support.As he will need it in the months ahead.Maybe you could bake him some bread with a file.Making mistakes,is that how you describe fraud.The U.S.Attorney,IRS,and U.S Postal Service have taken an interest in the Big Fish and all his co-conspirators.Mistake is not the word used in federal court.More charges will be filed as the Big Fish rats out his friends to get a lesser sentence.

Nancy in Powell,only reported Public Record.I'm glad she took the time to do it...Thankyou Nancy!

Judgemental and ignorant,I wouldn't descibe us that way.....No matter, the truth will eventually be part of Public Record,then everyone will know what the Big Fish is really about. "truth" we are closer than ever before.

Hello ALL,

I have several suggestions. First of all, what you need to understand is that your facts are off in so many ways. What you are experiencing is anger and frustration which is resulting in an inability to think clearly. The Big Fish is just as much a victim to the unlawful credit system and justice system as anyone "lashing out" on this site but of course the easy way out instead of taking responsibility for your own decisions apparently is the norm for most of you.

As far as being Promise Keeping Christians, they are and although they may not have contacted each and every one of you once the business was ending, well again, you don't have the facts and are blind to your emotions. THINK!!

People make mistakes and are given information every day that isn't quite the truth...it's called America and our government does it to us everyday. Why don't you THINK about the individuals who initially claimed that credit card debt was illegal and could be handled through arbitration...I assure you, it wasn't the BIG FISH or any of the individuals you are trying to get at.

For those of you, including Matt who went to High School with the Big Fish, in the middle of a terrible ordeal and just trying to blame someone who is the easiest target, you need to realize that you were not scammed. THERE WAS NEVER A GUARANTEE!!! "SCAM" what an intersting an over abused term!! There are many out there but LR was not one of them...

And finally, to Nancy in Powell, the adulterous, baby killing individual who has nothing to do with any of this should mind her own business. However, apparently you have nothing better to do than play bridge online and report on matters that do not concern you.

It is such a shame that because a company tried to help others, money was not a factor, and the Big Fish is not only concerned with the "almighty dollar." You all don't deserve to know what he is really about, so just continue to live in your judgmental and ignorant state of life and you'll eventually get the "truth"... which is another interesting word yet rarely ever accepted.

Local man pleads guilty to scam

Thursday, January 26, 2006

By SEAN CASEY
ThisWeek Staff Writer

A Pickerington man has agreed to pay back nearly a half-million dollars to victims of a fraudulent debt-assistance service he helped perpetrate.

On Jan. 12, Mark Browning, 31, pleaded guilty in federal court to one count of conspiracy to commit money laundering for his involvement in Liberty Resources, a company that claimed it could help consumers eliminate credit card debt by taking advantage of a purported loophole in banking laws.

Browning faces a maximum prison sentence of 20 years and a $250,000 fine. He has also agreed to pay $429,220.23 in restitution to the victims of the wire fraud, both jointly and severally with his co-conspirators.

Browning is the only person who has been charged in the crime so far, but in his plea agreement, he stated that he would testify in the case, if requested.

He will be sentenced at a later date.

According to court documents and testimony, Liberty attracted clients to pay for its fallacious debt-elimination service through a Web site that included fraudulent statements about the process and its effectiveness. The company also solicited customers through the U.S. Mail and over the telephone.

In exchange for a fee, Liberty claimed it would offer instruction on how to use an oversight in the banking law to erase outstanding credit card debt. Although the so-called loophole was found to be invalid in this prosecution, according to IRS spokesman Craig Casserly, Liberty did attract victims with its faulty claims.

The money obtained from parties interested in the scheme was deposited into a business checking account held jointly by Browning and others at Huntington Bank under the name Preston Edwards-Liberty Resources.

A joint investigation by the United States Attorney for the Southern District of Ohio, the criminal investigation unit of the Internal Revenue Service and the U.S. Postal Inspection Service revealed that Browning had signed three checks issued from the account to Ridgewood Holdings, an Internet company that marketed Liberty online.

The checks, issued between February and September 2004, totaled $41,480.41.

Through his cooperation with the investigation, Browning may be able to secure a more favorable sentence because, according to his plea agreement, the court is free to impose any punishment it sees fit as long as it does not exceed the defined maximum sentences and fines.

However, no other charges have been brought in the Liberty Resources case at this time.

Mark Browning,Chad Wicklines partner in Liberty Resources pleaded guilty on Jan.12 to one count to commit money laundering relative to his involvement in a credit card debt elimination scheme.

He faces a maximum prison sentence of 20 years and a $250,0000.00 fine

In addition,he agreed to make a restitution in the amount of $429,220.23 to the victims of the wire fraud,both jointly and severally with his co-conspirators,according to a press release from the Internal Revenue Service. GOOD NEWS INDEED !!!!

Chad and his wife Charmin have lived the high life on your money the past few years. They recently purchased a new home and the new information is below. (another scam). This was Chad's childhood home and he has moved back (aprox 4500sq ft)..pretty nice for a guy that lived in an apartment up until just few years ago. He has pulled scam network marketing jobs all his life. He has continued to avoided the IRS but one of these days they will catch on.
The un taxed millions made in the scam are harder to hide, at least it should be. If you want him to get what he deserves, report him to the IRS

Wish you all the best in getting your funds back. He was the ring leader of it all and he has assests you just need to go after him.

(Chad Wickline)
SMITH ROBERT G & CHARMIN D
12140 TOLLGATE RD NW
PICKERINGTON OH 43147

Chad and his wife Charmin have lived the high life on your money the past few years. They recently purchased a new home and the new information is below. (another scam). This was Chad's childhood home and he has moved back (aprox 4500sq ft)..pretty nice for a guy that lived in an apartment up until just few years ago. He has pulled scam network marketing jobs all his life. He has continued to avoided the IRS but one of these days they will catch on.
The un taxed millions made in the scam are harder to hide, at least it should be. If you want him to get what he deserves, report him to the IRS

Wish you all the best in getting your funds back. He was the ring leader of it all and he has assests you just need to go after him.

(Chad Wickline)
SMITH ROBERT G & CHARMIN D
12140 TOLLGATE RD NW
PICKERINGTON OH 43147

Hello,

My name is Jason friedman. I am the President and CEO of Friedman & Friedman Associates. I have had dealings with Liberty Resources.In fact many Liberty Resource Clients have sought out my company to help them get out of the mess they find themselves in. Many of you may have heard my name floating around out there but did not know my contact info.I was given a link to this forum by several of my clients. They thought perhaps I could be of service to others in their situation.
I have found that the best way to get out of the situation you are all currently in is to get settlements and debt negotiations done, OR file Bankruptcy. However after October 17 this is no longer an option as the BK laws have dramatically changed.
My company does settlements and debt negotiation, as well as credit assistance after the settlements are done.I have assisted many debt elimination clients. Not only Liberty Resource clients, but Clients of DSI, Barnett and Associates, Hawkings Law Firm, Fresh Start Debt Relief, ETC. I know how to get you back on your feet, I have hundreds of clients that have been taken to court, had judgements ,liens and garnishments placed against them.I am able to get term settlements, I can get court cases dismissed before they get to court. I have even gotten default judgements set aside after they have been issued, and garnishments stopped. I have been doing this for 8 years now and I have a working relationship with the following creditors:

MANN BRACKEN
WOLPOFF AND ABRAMSON
BUCKLES & BUCKLES
FREDERICK J. HANNA AND ASSOCIATES
BIDNA & KEYES
BLEIR & COX
STILLMAN LAWFIRM
JAMES CORTEZ
PRESSLER & PRESSLER
KRAMER AND FRANK PC
JAVITCH RATHBONE, AND BLOCK
WELTMAN WEINBERG AND REIS
COHEN MCNIEL AND PAPAS
NCO
OSI
PORTFOLIO RECOVERY SERVICES
THE BEST SERVICE COMPANY
PHILIPS AND COHEN
RMA
THE LIST GETS QUITE EXTENSIVE......

I listed the most popular ones as I can say with some certainty that a good number of you are being affected by some of the creditors listed above. Because I have been dealing with them for so long I am able to workout extremeley beneficial arrangements for my clients. You can't fight the banks and they won't just go away. I have had over 1,500 debt elimination clients in the past 3 years alone and I have gotten all of them back to where they were before they started getting lawsuits judgements and liens placed on them. If you are reading this and need some help or you have questions I am listing my contact information below:

Jason Friedman
Friedman & Friedman Associates
866-704-3328
FAX: 888-240-2429
E-mail: Jason@Friedmanassociates.org

David, recently I have been wondering what is going on with the whole LR investigation thing. I want to think that LR is about to get the justice that they deserve, but at the same time I have not received any letters saying the LR people have been put in prison. I hope the investigation is still strong, but there is no news to keep the positive thought.

Chad and Co must think we have given up on our call for justice.Sorry,LR though things seem normal for you now. It's just a matter of time before the long arm of the law gets to you.

Chad and Co must think we have given up on our call for justice.Sorry,LR though things seem normal for you now. It's just a matter of time before the long arm of the law gets to you.

Yep,these crooks are all connected.I just noticed they use the same phone number in Idaho ! small world......... getting smaller for some

Search on this site for Barnett and Associates,Greg Barrett,Nick Rozell : Capital Resource Group

Are they connected to Chad & Co ????????????

Everyone needs to call the IRS at 1-800-829-0433 to file a complaint on LibertyResources-Chad Wickline,RidgewoodHoldings-Mike Amato,Ed Dacey.A new address for Mike Amato :
18 Lauren Court
Cranston,RI 02921

Mike Amato has a offshore account,so the IRS could be interested in the money he's stole from us and many others.Look through previous post for adresses.Let's keep the heat on them !!

Brenda -
no luck on URL,But......I do have Coordinations Technology's Account #'s at Wells Fargo Bank,N.A.
That could be of some use.

Sam left the stub attached to my refund check. I just checked the Ohio AG's website 16 Complaints to date have been filed.Can Chad feel the noose?

http://www.ftc.gov/opa/2005/03/creditcouncel.htm

follow this URL to the FTC website. On 3-30-05 they filed charges on three debt relief companies. One of them was doing what Liberty Resources was doing. I have already filed my complaint with the Ohio AG's office and The Federal Trade Commission. If every victim files a complaint with the FTC against Liberty Resources we might have a chance at getting them to pay up.

Hi David,
Would you please post the URL for Coordination Technology, Inc.?

I tried a search on AOL and Google with no results.

I hope we can all get together and file a class action law suit against these people and "companies".

I am very glad you received your money back for the "Arbitration Awards".....They owe me $1050.00. I emailed Sam and he responded quickly, but said he didn't know when he could send my money back. At least he had the "go-nads" to answer, which is more than the rest of them have!

Look what I found on the AOL Search Engine. Looks like Chad and Company tried to re-name and continue the scam with Pyrimadyne LLC 's help. Maybe that's the Big fish backing Chad Wickline/LibertyResources. It's website promised CreditCard Debt Elimination and Credit Restoration. Even had some of the same artwork. Those clouds and blue sky had some effect on us.

New Company Name with ties to LibertyResources, FFC

Coordination Technology, Inc - Idaho

E-mail for Sam/CustomerService FinancialFreedomConcepts
bldrmtn@fiberpipe.net

Phone 208-506-7377

10400 Overland Road,Suite 251
Boise , ID 83709

This info was on my FedEx airbill.

Sam at FFC has refunded the $750 I paid in Sept to file my awards in Federal Court. I can say that I have been in constant E-mail communication with Sam since 2/25.After many promises from him(customerservice)my refund arrived FedEX 3/18. I guess I can forgive FFC for it's part in this scam as they have refunded my money. I will post my e-mails on a messageboad I have created for LR Clients.Please join with me and post your comments so we can focus as a group for a solution.

http://groups-beta.google.com/group/LibertyResources-Victims
Or e-mail your comments to:
LibertyResources-Victims@googlegroups.com

Sam at FFC has refunded the $750 I paid in Sept to file my awards in Federal Court. I can say that I have been in constant E-mail communication with Sam since 2/25.After many promises from him(customerservice)my refund arrived FedEX 3/18. I guess I can forgive FFC for it's part in this scam as they have refunded my money. I will post my e-mails on a messageboad I have created for LR Clients.Please join with me and post your comments so we can focus as a group for a solution.

http://groups-beta.google.com/group/LibertyResources-Victims
Or e-mail your comments to:
LibertyResources-Victims@googlegroups.com

Sam at FFC has refunded the $750 I paid in Sept to file my awards in Federal Court. I can say that I have been in constant E-mail communication with Sam since 2/25.After many promises from him(customerservice)my refund arrived FedEX 3/18. I guess I can forgive FFC for it's part in this scam as they have refunded my money. I will post my e-mails on a messageboad I have created for LR Clients.Please join with me and post your comments so we can focus as a group for a solution.

http://groups-beta.google.com/group/LibertyResources-Victims
Or e-mail your comments to:
LibertyResources-Victims@googlegroups.com

Sam at FFC has refunded the $750 I paid in Sept to file my awards in Federal Court. I can say that I have been in constant E-mail communication with Sam since 2/25.After many promises from him(customerservice)my refund arrived FedEX 3/18. I guess I can forgive FFC for it's part in this scam as they have refunded my money. I will post my e-mails on a messageboad I have created for LR Clients.Please join with me and post your comments so we can focus as a group for a solution.

http://groups-beta.google.com/group/LibertyResources-Victims
Or e-mail your comments to:
LibertyResources-Victims@googlegroups.com