Complaint Review: CCDN - Robert Lock Jr. - Philip Manger - Tracey Webster - R&G Marketing

I'm not saying that R. Lear is lying or a member of the CCDN team, but what I am saying is that I have strong doubts that everything was as he said about how CCDN helped him.  My wife and I were told that CCDN would be able to clear up our credit rating, relieve our so-called debt because we never actually received money, and do it within a few months to no more than 12 months, but after over two years, and doing everything Tracy Webster told us to do, I ended up in court several times, received no help other than copies of complaints and pleadings, etc, which were copies of other cases from Illinois, and were continually told that we weren't doing our part.

When i signed up for the program, I was told that we would have legal representation and help from a law firm, but then once the process started we were told that we were told there would not be any representation in court, because CCDN was not liscenced to practice law in Georgia.  I doubt that R. Lear had a lawyer represent, or even show up in court for He/She, because CCDN said they were an Illinois Law Firm.  I was told when I paid them $4500.00 (about 2004 or 2005, without looking up my record of the transacttion), that everything would be over in no more than 12 months, and that if we ended up with a lein on our property, they could get it taken off once the process was over, and that they (CCDN) could get my credit record cleaned up and restored.  I am highly suspect of R. Lear being a CCDN Agent, because I have never heard of CCDN furnishing a lawyer for anyone who went to court, as a matter of fact, I have heard of nothing but negative remarks against CCDN, other than from someone claiming to be a customer of theirs who said they furnished them a lawyer to represent them in court, which Tracy Webster himself said they could not do!

You will regret getting involved with any of these people. In my case, they have been everything BUT honest. I am still on the same path I was when I first posted my original report. The "great oz" has still not spoken, anything worth hearing anyway. There are many people being taken advantage of by this group. Don't be afraid to speak up if your in the mess already, PLEASE consider another avenue if your just researching. It's way more expensive then you think & you may end up like me. I don't recommend it.

Although I have never been told (as the post above) that they were having a problem finding legal representation, "atleast by CCDN". As far as I know, that is not my issue. But I'm beginning to see a pattern here. They did have 2 or 3 attorneys within the network when I started into the program (so they said) And Mrs Lock was willing to release a name after I paid another fee for legal council, $2,000 or $3,000, after I had already paid into the program. I'd have to check the e-mail for the exact amount. CCDN/R&G did inform me that anything at the state level - they would not be able to help me with, maybe the outrageous attorney fee was a deterent? BUT ANY judgment "while in the process" would be handled>

Maybe those judgments are being reversed in the courts as Tracey Webster claims?

Ya think? Or......... would you say that these may have been false & misleading statements?

I will start by saying that I have been a client of CCDN for over 1.5 years. I joined with over $40,000 in debt and amid promises from Bob Lindsey and CCDN that I would not have to pay anything more than their fees. Also I was told that any monies collected from the credit card companies because of their tactics would probably exceed the amount that I paid for the program ($5,000).

Now, I could write a book on the problems and issues. Yes, it appears that Tracy Webster is the only point of contact, and I had the same problems with continually asking for the same material over and over again. The documentation that I received from CCDN was 3 to 5 year old boilerplate, which I had to spend hours poring over to make it work for my particular case. I always sent it in for review, and amazingly I never got any bad remarks. I know know (maybe suspect is a better term) that they never read anything that I created. One of my court visits (yes 2 of my cases went to litigation) the opposing lawyer stated that everything that I was filing was simply internet boilerplate. I resented that remark at the time, feeling that CCDN was truly backing me up. Today, I agree wholeheartedly. It was nothing but internet boilerplate/gibberish to make you believe that they (CCDN) really cared.

In one of my cases they told me in January 2008 that it was ready for a Federal Filing. 5 months later, after many phone calls and emails from me to CCDN & Bob Lindsey, I was told that they had lost a lawyer and needed to find a new one, which was the reason for the delay. Once I got to that point, within 2 days I had a message that they were not filing a Federal Complaint, something was one day late .. this was after I had followed all of their recommendations to the day and to the letter.

In my other case, they told me that they could not file a Federal Complaint while it was in a lower court. Interesting, that wasn't the case in the other one. Hmmmmmmm

Today, in trying to settle the $40,000 in debt, I paid $5,000 to CCDN, settled one case for $9,000 and lost the second which is going to cost me about $15,000.

If you are considering CCDN - Don't. It is not worth the aggrivation, time and effort. You would be better off to try and settle with the credit companies.

Just stating my experience. Didn't know I would get attacked. If their program did not work for you, sorry. It did for me.

my gosh, this last post by mr. Lear or whomever made me laugh outright. I 'loved' how he stated how you have to 'pay attention' and do lots of work etc, insinuating of course that those that have 'complained' were 'bad' clients. Truly amazing.

Everyone who has taken it in the 'backside' from the CCDN, Robert Lock Jr and Associates Tracy Webster, Phil Manger etc yada, yada yada ad infinitum HAS paid attention, done their part, dutifully submitted their documentation untold MULTIPLE times. This is not due to neglect on on the part of the client! NO. Rather this is due to the incompetency and total arrogance of the people running and administrating this so called 'program'. Everyone who has been harmed is the 'exception' rather than the rule. AND these 'exceptions' are to blame for their problems. Oh they say your marketer was 'bad' and you 'misunderstood' and you were lied to by others (not them of course) and that you didn't do your part and that you complain and that you are 'hard to work with and unreasonable' and the list goes on. AND the CCDN does not lift a little finger to fix the problem. Go ahead. See my documentation on Robert Lock Jr. of Chicago in Rip Off and his Crack Team!!!. He NEVER has come through with ANYTHING he has promised or stated directly to my husband and I.

As they say, Proof is in the Pudding and sorry, no pudding here folks. The CCDN loses all your documents. Proof is they repeatedly have you email and snail mail them multiple times. When you question this they become 'offended and offensive' and make a comment such as 'just do it, your wasting time'. Like the first writer Karma states, they tell you something is with the attorney or getting audited (meaning your papers are all together and there) and they much later they 'ask for your papers', acting as if they never had them and forgetting conveniently that they said they were being audited or with the attorney. Which is it guys???? I am beyond tired and past being humored with the lies and deceit of CCDN.

If their intention was not malevolent in the beginning, it now is because they fail to fix what is wrong and address the issues in an honest attempt to make things right and to speak truth. Your 'supposed client' singing your praises above is a bit much and a bit over the top. Please. This smells like the thinly veiled attempt it is at some type of damage control, at some kind of cheerleading rally to encourage your failing business. A real business tries to fix the wrong done clients who have been harmed. CCDN has done nothing to help these clients and simply resorts to 'blaming the victim'. Truly kindergarden tactics and speaks volumes for the lack of ethics and character of those involved.

For others it is important to know that you should not get involved with this company. The Attorney General and the Bar are being contacted in regards to the multiple complaints which have the same documentation and experience. The one thing CCDN has done well is leave a large body count of 'toasted individuals' which will be the squeeky wheel of their undoing. I'd like to know where Bob Lock is? Where is the man behind the curtain who said he would make us whole, who would fix us and who wanted to know 'what he could do'? I contacted him individually outside this site as he wanted it that way. I agreed to talk on his 'terms'. He knew the urgency of the situation. Yet, Bob never 'showed'. Never came through. Never discussed my offers and suggestions. Nada.

How can any of you market for him and his program if he treats his clients with this disregard and then hires people like Webster to be his front man to clients. And they say lawyers are not known for being good in business. No kidding. Seems as those the Great Oz has spoken and NOTHING else!!! CCDN is like a bad hangover

my gosh, this last post by mr. Lear or whomever made me laugh outright. I 'loved' how he stated how you have to 'pay attention' and do lots of work etc, insinuating of course that those that have 'complained' were 'bad' clients. Truly amazing.

Everyone who has taken it in the 'backside' from the CCDN, Robert Lock Jr and Associates Tracy Webster, Phil Manger etc yada, yada yada ad infinitum HAS paid attention, done their part, dutifully submitted their documentation untold MULTIPLE times. This is not due to neglect on on the part of the client! NO. Rather this is due to the incompetency and total arrogance of the people running and administrating this so called 'program'. Everyone who has been harmed is the 'exception' rather than the rule. AND these 'exceptions' are to blame for their problems. Oh they say your marketer was 'bad' and you 'misunderstood' and you were lied to by others (not them of course) and that you didn't do your part and that you complain and that you are 'hard to work with and unreasonable' and the list goes on. AND the CCDN does not lift a little finger to fix the problem. Go ahead. See my documentation on Robert Lock Jr. of Chicago in Rip Off and his Crack Team!!!. He NEVER has come through with ANYTHING he has promised or stated directly to my husband and I.

As they say, Proof is in the Pudding and sorry, no pudding here folks. The CCDN loses all your documents. Proof is they repeatedly have you email and snail mail them multiple times. When you question this they become 'offended and offensive' and make a comment such as 'just do it, your wasting time'. Like the first writer Karma states, they tell you something is with the attorney or getting audited (meaning your papers are all together and there) and they much later they 'ask for your papers', acting as if they never had them and forgetting conveniently that they said they were being audited or with the attorney. Which is it guys???? I am beyond tired and past being humored with the lies and deceit of CCDN.

If their intention was not malevolent in the beginning, it now is because they fail to fix what is wrong and address the issues in an honest attempt to make things right and to speak truth. Your 'supposed client' singing your praises above is a bit much and a bit over the top. Please. This smells like the thinly veiled attempt it is at some type of damage control, at some kind of cheerleading rally to encourage your failing business. A real business tries to fix the wrong done clients who have been harmed. CCDN has done nothing to help these clients and simply resorts to 'blaming the victim'. Truly kindergarden tactics and speaks volumes for the lack of ethics and character of those involved.

For others it is important to know that you should not get involved with this company. The Attorney General and the Bar are being contacted in regards to the multiple complaints which have the same documentation and experience. The one thing CCDN has done well is leave a large body count of 'toasted individuals' which will be the squeeky wheel of their undoing. I'd like to know where Bob Lock is? Where is the man behind the curtain who said he would make us whole, who would fix us and who wanted to know 'what he could do'? I contacted him individually outside this site as he wanted it that way. I agreed to talk on his 'terms'. He knew the urgency of the situation. Yet, Bob never 'showed'. Never came through. Never discussed my offers and suggestions. Nada.

How can any of you market for him and his program if he treats his clients with this disregard and then hires people like Webster to be his front man to clients. And they say lawyers are not known for being good in business. No kidding. Seems as those the Great Oz has spoken and NOTHING else!!! CCDN is like a bad hangover

my gosh, this last post by mr. Lear or whomever made me laugh outright. I 'loved' how he stated how you have to 'pay attention' and do lots of work etc, insinuating of course that those that have 'complained' were 'bad' clients. Truly amazing.

Everyone who has taken it in the 'backside' from the CCDN, Robert Lock Jr and Associates Tracy Webster, Phil Manger etc yada, yada yada ad infinitum HAS paid attention, done their part, dutifully submitted their documentation untold MULTIPLE times. This is not due to neglect on on the part of the client! NO. Rather this is due to the incompetency and total arrogance of the people running and administrating this so called 'program'. Everyone who has been harmed is the 'exception' rather than the rule. AND these 'exceptions' are to blame for their problems. Oh they say your marketer was 'bad' and you 'misunderstood' and you were lied to by others (not them of course) and that you didn't do your part and that you complain and that you are 'hard to work with and unreasonable' and the list goes on. AND the CCDN does not lift a little finger to fix the problem. Go ahead. See my documentation on Robert Lock Jr. of Chicago in Rip Off and his Crack Team!!!. He NEVER has come through with ANYTHING he has promised or stated directly to my husband and I.

As they say, Proof is in the Pudding and sorry, no pudding here folks. The CCDN loses all your documents. Proof is they repeatedly have you email and snail mail them multiple times. When you question this they become 'offended and offensive' and make a comment such as 'just do it, your wasting time'. Like the first writer Karma states, they tell you something is with the attorney or getting audited (meaning your papers are all together and there) and they much later they 'ask for your papers', acting as if they never had them and forgetting conveniently that they said they were being audited or with the attorney. Which is it guys???? I am beyond tired and past being humored with the lies and deceit of CCDN.

If their intention was not malevolent in the beginning, it now is because they fail to fix what is wrong and address the issues in an honest attempt to make things right and to speak truth. Your 'supposed client' singing your praises above is a bit much and a bit over the top. Please. This smells like the thinly veiled attempt it is at some type of damage control, at some kind of cheerleading rally to encourage your failing business. A real business tries to fix the wrong done clients who have been harmed. CCDN has done nothing to help these clients and simply resorts to 'blaming the victim'. Truly kindergarden tactics and speaks volumes for the lack of ethics and character of those involved.

For others it is important to know that you should not get involved with this company. The Attorney General and the Bar are being contacted in regards to the multiple complaints which have the same documentation and experience. The one thing CCDN has done well is leave a large body count of 'toasted individuals' which will be the squeeky wheel of their undoing. I'd like to know where Bob Lock is? Where is the man behind the curtain who said he would make us whole, who would fix us and who wanted to know 'what he could do'? I contacted him individually outside this site as he wanted it that way. I agreed to talk on his 'terms'. He knew the urgency of the situation. Yet, Bob never 'showed'. Never came through. Never discussed my offers and suggestions. Nada.

How can any of you market for him and his program if he treats his clients with this disregard and then hires people like Webster to be his front man to clients. And they say lawyers are not known for being good in business. No kidding. Seems as those the Great Oz has spoken and NOTHING else!!! CCDN is like a bad hangover

my gosh, this last post by mr. Lear or whomever made me laugh outright. I 'loved' how he stated how you have to 'pay attention' and do lots of work etc, insinuating of course that those that have 'complained' were 'bad' clients. Truly amazing.

Everyone who has taken it in the 'backside' from the CCDN, Robert Lock Jr and Associates Tracy Webster, Phil Manger etc yada, yada yada ad infinitum HAS paid attention, done their part, dutifully submitted their documentation untold MULTIPLE times. This is not due to neglect on on the part of the client! NO. Rather this is due to the incompetency and total arrogance of the people running and administrating this so called 'program'. Everyone who has been harmed is the 'exception' rather than the rule. AND these 'exceptions' are to blame for their problems. Oh they say your marketer was 'bad' and you 'misunderstood' and you were lied to by others (not them of course) and that you didn't do your part and that you complain and that you are 'hard to work with and unreasonable' and the list goes on. AND the CCDN does not lift a little finger to fix the problem. Go ahead. See my documentation on Robert Lock Jr. of Chicago in Rip Off and his Crack Team!!!. He NEVER has come through with ANYTHING he has promised or stated directly to my husband and I.

As they say, Proof is in the Pudding and sorry, no pudding here folks. The CCDN loses all your documents. Proof is they repeatedly have you email and snail mail them multiple times. When you question this they become 'offended and offensive' and make a comment such as 'just do it, your wasting time'. Like the first writer Karma states, they tell you something is with the attorney or getting audited (meaning your papers are all together and there) and they much later they 'ask for your papers', acting as if they never had them and forgetting conveniently that they said they were being audited or with the attorney. Which is it guys???? I am beyond tired and past being humored with the lies and deceit of CCDN.

If their intention was not malevolent in the beginning, it now is because they fail to fix what is wrong and address the issues in an honest attempt to make things right and to speak truth. Your 'supposed client' singing your praises above is a bit much and a bit over the top. Please. This smells like the thinly veiled attempt it is at some type of damage control, at some kind of cheerleading rally to encourage your failing business. A real business tries to fix the wrong done clients who have been harmed. CCDN has done nothing to help these clients and simply resorts to 'blaming the victim'. Truly kindergarden tactics and speaks volumes for the lack of ethics and character of those involved.

For others it is important to know that you should not get involved with this company. The Attorney General and the Bar are being contacted in regards to the multiple complaints which have the same documentation and experience. The one thing CCDN has done well is leave a large body count of 'toasted individuals' which will be the squeeky wheel of their undoing. I'd like to know where Bob Lock is? Where is the man behind the curtain who said he would make us whole, who would fix us and who wanted to know 'what he could do'? I contacted him individually outside this site as he wanted it that way. I agreed to talk on his 'terms'. He knew the urgency of the situation. Yet, Bob never 'showed'. Never came through. Never discussed my offers and suggestions. Nada.

How can any of you market for him and his program if he treats his clients with this disregard and then hires people like Webster to be his front man to clients. And they say lawyers are not known for being good in business. No kidding. Seems as those the Great Oz has spoken and NOTHING else!!! CCDN is like a bad hangover

I have been reading some of these posts and to be honest, most are not making any sense with what I experienced with the CCDN. I joined the CCDN process in 2005 with about $32,000.00 worth of credit card debt and already being sued by a creditor.

The CCDN was always professional although communication was hard at times and much of it done via email. However, the job accomplished was outstanding. I was assigned a CCDN attorney here in Orlando. She was great and knowledgeable with what was going on. After reviewing the Complaint already filed by the creditor attorney, she prepared the response and filed it with the court. Once in court she gave the creditor attorney HELL! The creditor attorney could not counter hardly any of her statements. She WON my case. I do not owe any of the $32,000. All I can say is THANK YOU CCDN!

The CCDN program DOES have a lot of work that is required and expected of the client. However, if you do as told, it WILL WORK! If you do not have attention to detail and give up easily, their program is not for you.

Again, THANK YOU CCDN! You saved me from a financial disaster!