Complaint Review: R&G Marketing LLC AKA CCDN AKA Credit Collection Defense Network

From The scammers website directly
The misleading statements are found
All info listed below is a marketing platform of deceit and fraud

The poor sign ups of this canned and bogus program are forced down the road to bankruptcy

WHO IS THE CREDIT COLLECTION DEFENSE NETWORK?

1) Who or What is the Credit Collection Defense Network?
The Credit Collection Defense Network is a national network of paralegals, attorneys and administrative services providers dedicated to providing consumers across the nation with relief from a debt collection industry that is out of control. Through a proprietary process developed by licensed attorneys and certified paralegals, we are able to identify, develop and litigate claims for violations of state and federal consumer protection laws. Through this process, we are able to gain the consumer significant relief from skyrocketing unsecured debt burdens.

2) How long have you been in business?
The Credit Collection Defense Network (CCDN) is about four years old, but many of the attorneys in the network have decades of legal practice experience that is used to aggressively represent the interests of consumers nationwide. The founders of the CCDN have decades of litigation and business practice experience which they bring to the process on your behalf.

3) Who can I count on for answers to questions that I have during the process?

The CCDN has developed a Support Division for this purpose. Email is the fastest and surest means of communications, as it allows a paper trail that can be traced for all consumer inquiries. However, a series of live and recorded calls will be made available to everyone where the founders of the CCDN will expound on the process and answer any questions that you may have.

4) Will I get status reports?
You will receive acknowledgement that you are entered into the system upon completion of your application and the payment of fees. You may also receive conformations from the different agencies we are dealing with during the process. Any such communications must be forwarded to the CCDN within 48 hours. In addition, we are in the process of building a secure electronic interface that will allow you to access your account to determine the status of any action items on a 24/7/365 basis.

5) What is the e-mail address for Customer Service?
You will be furnished all our customer contact information upon confirmation that you are in the system. This will normally be in less than 10 days.

6) Where are you based?
The CCDN is based in Chicago, Illinois, however, we have paralegals and attorneys nationwide.

7) Do you guarantee your services?
Unfortunately, most of the work that the CCDN involves itself in is litigation related. As litigation is fraught with uncertainty, no guarantees can be made with respect to the overall outcome of all consumer credit accounts. However, we will guarantee that the CCDN will provide the most professional and lawful strategies and tools in the market to reconcile consumer unsecured credit accounts.

SECTION 2: HOW DOES THE CCDN DEBT RECONCILIATION PROCESS WORK?

8) How do you eliminate my debt?
Please understand that this is not a Debt Elimination process. If you are looking for a way to avoid your legal obligations under contract, you have found the wrong place. We have seen all of the processes out there, from UCC Redemption to Ultra Vires to Bonding to foreign mail drops coupled with lawsuits and liens, and everything in between. While some may work for a time, they all ultimately suffer the same fate Failure and in more and more cases, Sanctions.

The CCDN uses a proprietary set of tools and strategies developed by certified paralegals and licensed attorneys to validate unsecured debt claims, and then identify, develop and litigate consumer claims for violations of state and federal consumer protection laws. In all circumstances, the CCDN will endeavor to secure validation of the underlying debt from an original creditor and any subsequent owners or holders of the unsecured debt account. During the process, some debts may be invalidated. A debt that is proven to be invalid must be forgiven and removed from the credit report and the records of the financial institution. Other debts may be subject to negotiation and settlement. Still others may be litigated. From our experience and research, rarely do any of these federal claims go to trial. Regardless of the strategy used on a particular account, the goal is to secure as much relief for the beleaguered consumer as possible from a debt collection industry that has completely lost its moral compass.

9) Isnt it wrong to file lawsuits just to try to get out of debt?
Absolutely. The filing of unfounded claims is a violation of ethical guidelines and rules of procedure and the CCDN will not sanction such activity. The process utilized by the CCDN uses our knowledge of debt collection industry practices to identify and develop viable lawful claims against the various parties in the collection process. Any lawsuits that are filed on our clients behalf by CCDN attorneys are soundly based in law and fact.

10) I am currently making payments on my accounts, should I continue to make minimum payments?
Many people who come to us are already in default on at least one account. This is the most pressing question for those who have not defaulted. If you choose to enter an account into the process then it is your choice whether or not to make payments to an account which you believe to be invalid.

The Fair Debt Collection Practices Act 15 U.S.C. 1692, et seq. (FDCPA) provides for the withholding of payments during the dispute of a debt. Further, the Fair Credit Billing Act allows for the withholding of payment during a billing dispute. We believe that if payments continue to be made, they should be made under protest or duress. Otherwise, the act of payment may be interpreted as a validation of the disputed debt. Remember, the companies that you are dealing with are large, computerized operations who are more interested in checks and other forms of payment than any other type of communications. Therefore, if you choose to pay under protest, that fact should be communicated on the payment instrument itself.

11) How soon do you start the credit restoration process once funds and credit reports are sent in?
The process starts immediately after the funds and Application are received by the CCDN. The credit restoration process runs parallel to the debt reconciliation process, and the results of one process feed certain elements of the other process.

12) Do I need to get copies of all my credit reports before sending in my paperwork?
No. We will arrange to have your credit reports pulled from all of the major credit reporting agencies. You will know that the process is working when you begin to receive reports from the three major credit reporting bureaus.

13) What do I do when I receive my credit reports?
Once the requests for credit reports are filed, you will receive a number of copies of your credit reports from the credit reporting agencies. These documents may resemble junk mail, so please be sure to open all of your mail to make sure you do not throw them out by mistake. Immediately upon receipt, review your report (s), and then fax it to The Fulfillment Center and the CCDN. If you receive several reports over one or two days, fax them all. Every time you receive a credit report, act on it within 48 hours in the above manner. Time is of the essence!

14) How long does the total process take?
As with any legal process, it is impossible to determine the exact amount of time that will be necessary to complete the process. CCDN estimates that the complete process should take approximately 12-18 months on average. This includes credit restoration, reconciliation of unsecured debt, and any action on the federal level.

15) Will my credit file be blocked during this process?
During the first part of the process, CCDNs provider partners will place a fraud alert on your reports. Do not let anyone access your Credit Report while in this process.

16) Will recent disputes or verifications on my credit report delay the credit restoration process?
No. The CCDN process starts fresh, and any historical activity on your reports will not have an impact on the demands for validation and verification that we make on your behalf.

17) Can I allow my credit report to be accessed by third parties during this process?
In order to ensure that there is no disruption to the credit restoration process, it is recommended that you not allow anyone to access your credit file. As such, you should avoid applying for anything or employing the services of anyone that would result in your credit report being pulled up and queried.

Various companies such as Insurance (Life, Car, and Home Owners), Utilities (telephone, cell phone, gas, electric, Cable TV), Credit Card, Auto Dealers, and Employers (Verification and Application) must not access your credit report, so it is advised that during the course of the process you not apply for any of those services. Make sure you notify them that they should not access your Credit Reports while this process is taking place. The credit reports will be blocked during this period and the enquiring companies will not be able to access your credit report without your permission. In the event that you have to allow access to an entity, please make sure to notify the CCDN prior thereto so as to avoid disruption.

18) Why do my credit reports show different treatment of my accounts?
Every credit reporting agency (CRA) reports differently. The end result of this process will be to clear all credit reports of any accounts you placed in the program and remove derogatory remarks on remaining accounts.

19) At what point in the process does a 3rd party debt collector become aware that this process is in motion?
When they receive notice that you have disputed the subject account or certainly when they are served with a federal complaint.

20) How do I stop phone calls from the creditors or collectors?
Cease and desist letters are very effective at stopping phone calls from collectors, however, we request that our clients accept these phone calls in order to enhance the strength of our federal suits against these collectors. We ask that our clients keep an accurate call statement and call log of these calls (forms will be provided) and to record (when legally allowed by state law) any and all calls and to send them on to the CCDN support team when requested.

21) I currently have an attorney working for me. What do I do if I want to use the services of CCDN?
Please have your attorney contact us so that we can explain in detail our compliance review and reconciliation process, and the claims that we will develop on your behalf. To the extent that your attorney is engaged in the defense of any state collection claims, we are happy to share any defensive tool and strategies to maximize his/her representation of you. We are also always looking for consumer advocates to join our ever growing network, so have them get in touch with us as soon as possible.

22) How do I know my accounts are being worked on?
Any accounts submitted properly into the program are being worked on. If the paralegal needed additional information prior to sending your package to CCDN, you would have been contacted. As stated above, if you are receiving reports and other communications from the credit reporting bureaus, this is a good indication that our process is at work behind the scenes.

23) What if I want to know what is going on right now?
As with all legal processes, each step in the compliance review, claims development and reconciliation process takes time. Generally, the consumer protection statutes we operate under provide for response periods as long as 30 days. Please refer to your consultant with any questions, and then to the CCDN support team.

24) Do you dispute my unsecured debts?
We dispute the accuracy of each and every presentation of the account as part of the program.

25) Is anyone in compliance with the consumer protection laws?

From our experience, few if any debt collectors are in full compliance with the host of state and federal consumer protection laws. It is our mission to identify, expose and make actionable as many violations of those laws as possible.

Credit defense league
SADDLE RIVER, New Jersey
U.S.A.