Complaint Review: Liberty Debt Management

I am going to post until I am gone from this world.  This company stole from me and I cannot sit by and do nothing.  Here is a copy of a email to BBB.

Akbar M. Ali 

Better Business Bureau of Fort Worth

101 Summit Ave Suite 707

Forth Worth, TX 76102

 Case #8797-EFO%

Dear Ms. Tennerson:

 Mr. Jeremy Wright and the people at Liberty Debt Management, Liberty Debt Management Inc, Liberty Debt or whatever name they go by are liars. Point Blank all they did was mailed letters to my credit card companies, they never called or sent anything certified mail. Hmmmm, $2,000 dollars for 5 computer generated letters and 5 first class stamps----please. If I looked on the BBB of Dallas first web site, I would have never lost my money. 

They stole my money just like many others. Liberty Debt Management have a terrible record with the BBB of Dallas, they moved their P.O. Suite to another city and added the Inc to their name and now they have a clean record with the BBB. Just check their record with the Dallas BBB and like others that was robbed you will see that I am telling the truth. They have to be stopped, they have a great scam going. Please tell me how can I go about having their horrible record with the Dallas BBB follwe them to the BBB of Fort Worth. I am not satisfied, they stole my hard earn money. I called and left messages to for Jeremy Wright to call me back and as of today years later he never called me.  His company is a Bait and Switch operation and all of them are nothing but crooks. Please I need help, they record with the Dallas BBB needs to follow them so others will not fall and lost hard earn money. I know you have other complaints for them and I know you will get many more. What settlement will they offer to me, I never gotten any kind of offer from them. My phone number is 973-204-, maybe someone from the BBB can call me with Jeremy and we can speak because somehow he do not know how to get in contact with me. Please post their record from the Dallas BBB, to save other people from getting taken like a fool. 


Sincerely yours, 

Akbar Ali

 p.s. Maybe Jeremy Wright should try called me or write me, he do have a couple thousands dollars of my money he did not earn, then again being a crook is a full time job. Just check the records from the Dallas BBB. Give or offer me of my money, give or offer me , give me something.

Just read the "President/Owner's" remarks posted in his rebuttal:  the glaring grammatical & spelling errors are a good place to begin. These are easily avoided errors simply by employing a common "spell check" engine.  speak loudly of laziness & carelessness.  Simply unprofessional, they are errors a business owner/president should never commit as this alludes to there being a culture of similar irresponsibility pervading  

Yet, an even grander atrocity is the use of non-existent words that sound impressive to the uninformed reader who assumes this intellectual-sounding pseudo-jargon must imply a high level of education.  Example: "Assurety"

These types of businesses are commonly staffed & operated by dishonest individuals falsely portraying themselves to be genuinely concerned about resolving clients' financial issues are usually viewed by most to be virtuous & consummate citizens holding morals deeply influenced by their spirituality or religious dogma.  Such facades can be found in widespread use by these defraud-ers of this variety.

A quick bit of research into this particular organization has revealed a lawsuit on record for engaging in fraudent activities.

Interestingly, this debt management operation has apparently continued its continue to engage in deceptive practices by changing the name it operates under several times, Recently. when a former client confronted the Owner/Pres to obtain reasoning behind said frequent name changes, received an answer ONLY to last & most recent change: He claims is was simply because the business had received a charter of incorporation.  Now, anyone with basic knowledge of business ownership is aware of the definition of corporation & what incorporated status means, liability-wise.  What has obviously forced the owner/Pres. to incorporate was likely due to the quack owner having his business sued recently.  A business not chartered as a corporation is one where both the business's as well as the owner's assets have varying degrees of liability for damages/losses.  Incorporation allows only the business entity itself (holder of its stock) solely liable for any losses & damages. 

These actions clearly sream loudly to any potential customer looking to do business with this swindler two very important words:  CAVEAT EMPTOR!

I have no idea why this company (FRAUD) is still doing business. Hopefully someone will stop them. They stole my hard earn money and will not return any of my phone calls. I will post on this site until the day I expire. All they do is sent out a computer generated letter to your credit card companies and do no follow up. They know the law and the state of Texas is doing nothing to stop them. Liberty Debt Management moved their address (just added a new address) from Irving, TX to Hurst, TX and got their terrible BBB review erase so honest citizens will get rob. They had over 50 complaints at the Irving, TX and they added the Inc. after Liberty Debt Management and moved address and BINGO new BBB file. I never got to talk with the original Blood sucker who set up my account. Avoid them like a deadly disease. They prey on you and know the law. They are crooks. I am an Honest person who got lead a stray by Liberty Crooks Management.

I have no idea why this company (FRAUD) is still doing business. Hopefully someone will stop them. They stole my hard earn money and will not return any of my phone calls. I will post on this site until the day I expire. All they do is sent out a computer generated letter to your credit card companies and do no follow up. They know the law and the state of Texas is doing nothing to stop them. Liberty Debt Management moved their address (just added a new address) from Irving, TX to Hurst, TX and got their terrible BBB review erase so honest citizens will get rob. They had over 50 complaints at the Irving, TX and they added the Inc. after Liberty Debt Management and moved address and BINGO new BBB file. I never got to talk with the original Blood sucker who set up my account. Avoid them like a deadly disease. They prey on you and know the law. They are crooks. I am an Honest person who got lead a stray by Liberty Crooks Management.

I have no idea why this company (FRAUD) is still doing business. Hopefully someone will stop them. They stole my hard earn money and will not return any of my phone calls. I will post on this site until the day I expire. All they do is sent out a computer generated letter to your credit card companies and do no follow up. They know the law and the state of Texas is doing nothing to stop them. Liberty Debt Management moved their address (just added a new address) from Irving, TX to Hurst, TX and got their terrible BBB review erase so honest citizens will get rob. They had over 50 complaints at the Irving, TX and they added the Inc. after Liberty Debt Management and moved address and BINGO new BBB file. I never got to talk with the original Blood sucker who set up my account. Avoid them like a deadly disease. They prey on you and know the law. They are crooks. I am an Honest person who got lead a stray by Liberty Crooks Management.

Government Actions
Superior Court of Fulton County State of Georgia Joseph B. Doyle, Administrator Fair Business Practices Act, Complainant vs. Jeremy Wright, individually and Liberty Debt Management, Inc., Respondents
February 12, 2007

ASSURANCE OF VOLUNTARY COMPLIANCE

V. The Administrator alleges that the Respondents have used, are using, or are about to use unfair or deceptive acts or practices in the conduct of consumer transactions and consumer acts or practices in trade or commerce as declared unlawful by the Official Cod of Georgia Annotated (hereinafter "OCGA"). Specifically, the Administrator alleges that Respondents have committed the following acts or practices:

A. Operated a business that provided or offered to provide to Georgia consumers, in exchange for money or other valuable consideration, services that directly involved budget counseling, debt management, and/or negotiating with creditors to effect the adjustment, compromise or discharge of any account, not, or other indebtedness of the debtor (hereinafter "debt adjustment services"), while charging and collecting fees for said services in an amount greater than allowed under the Debt Adjustment Act, in violation of OCGA 10-1-393(A) and 18-5-2.

B. Provided debt adjustment services to Georgia consumers in exchange for money or other valuable consideration, without providing to the Office of Consumer Affairs the documents and information required by OCGA 18-5-3.1(b), in violation of OCGA 10-1-393(a) and 18-5-4 (b)(1).

VI. Pursuant to OCGA 10-1-402, which provides that an assurance of voluntary compliance shall not be considered an admission of violation of the FBPA for any purpose, Respondents hereby enter into this Assurance of Voluntary Compliance ("Assurance") in order to resolve this matter without the necessity of formal legal action.

VII. By accepting this Assurance, the Administrator agrees not to request the initiation of legal action against Respondents concerning the matters covered herein, subject, however to the provisions of OCGA 10-1-402.

VIII. Upon breach of any of the provisions of this Assurance by the Respondents, the Administrator reserves the right to pursue any action available under OCGA 10-1-390 et seq. against the Respondents concerning the subject matter of this Assurance.

IX. Respondents hereby acknowledge receipt of copies of the Fair Business Practices Act (OCGA 10-1-390 et seq.) and the Debt Adjustment Act (OCGA 18-5-1 et seq.). Respondents further acknowledge that they have knowledge of the FBPA and the Debt Adjustment Act and the provisions of each.

X. Respondents further agree that, effective with the date of acceptance by the Administrator of this Assurance, Respondents, their officers, agents, employees or representatives, servants, and all persons acting in concert with the Respondents:

A. Shall make every reasonable effort to act in full compliance with the Fair Business Practices Act and the Debt Adjustment Act.

B. Shall cease from providing or offering to provide debt adjustment services to consumers in this state without first supplying to the Office of Consumer Affairs all documents and information required by OCGA 18-5-3.1(b).

C. Shall cease from providing or offering to provide debt adjustment services and collecting payment for said services using a fee structure not contemplated under the Debt Adjustment Act.

D. Shall not charge or accept from a Georgia consumer any charge, fee, contribution, or combination thereof greater than 7.5 percent of the monthly amount the debtor pays to Respondents for distribution by Respondents to the debtor's creditors; provided, however, that no part of this Agreement shall prohibit Respondents from imposing upon a debtor who resides in this state a reasonable and separate charge or fee for insufficient funds transactions.

XI. Respondents shall, jointly and severally, pay the following:

A. Simultaneous with the execution of this Assurance:
1. A filing fee in the amount of NINETY and 50/100 DOLLARS ($90.50), which shall be paid by check or money order made payable to "Clerk, Superior Court of Fulton County" and shall be delivered to the Governor's Office of Consumer Affairs; and
2. A certified check or money order, made payable to the "Governor's Office of Consumer Affairs" I the amount of TEN THOUSAND and No/100 DOLLARS ($10,000.00), which shall represent a civil penalty. Furthermore, in lieu of payment of the civil penalty, Respondent shall:
a) Continue to provide, free of charge, debt management and/or adjustment services to consumers who reside in Georgia and for whom Respondent is currently providing service; and
b) Refrain from soliciting Georgia residents to participate in its debt management and/or adjustment services unless and until Respondent has complied with the terms of this Assurance, the Debt Adjustment Act, and the Fair Business Practices Act.

XII. This Assurance, when accepted by the Administrator, will bind the Respondents and Respondents' successors and/or assigns who take with notice of the terms and provisions of this Assurance. Respondents hereby agree to give notice of this Assurance to Respondents 'successors and/or assigns.

This Assurance, made and entered into by and between the undersigned parties, is effective upon the date of acceptance by the Administrator.



Educational/General Comments
Industry specific general advice
Companies or organizations offering debt consolidation services do not lend debtors money to pay off their bills. They may, however, offer to total all the money you owe and try to make arrangements with your creditors to pay them what they are owed in manageable monthly installments. They may also offer counseling on good credit and budgeting practices. They cannot obtain the removal of accurate, adverse information on your
credit history from credit reporting agencies.

A variety of providers offer credit counseling services. Costs and services vary widely among them. The costs of the services may range from nothing or very little to several hundred dollars in up-front fees plus a monthly membership or service charge based on a percentage of your total debt.

Debt consolidation services may have arrangements with local retailers and financial institutions, such as banks or loan companies, to help set up debtors' repayment plans. Before signing up with a debt consolidation service, ask your major creditors if they have--or are willing to make--these arrangements with the service you are considering. If there are no prior arrangements, or your creditors are not willing to make them, you may have a hard time structuring a helpful repayment plan.

I have been trying to get Liberty Debt Management information from the last city they were taking people money from. The BBB from Fort Worth, TX just will not help me. They moved their operation from Hurst, TX to Forth Worth. It is a shame the money they stolen from others and myself. It is as if Jeremy Wright has a family member working for the BBB. They are crooks and just want my money back. I will keep posting information on this site. Maybe we can get a Class Action suit againts these liers. I called the BBB, faxed the BBB, mailed proof that these crooks took my money--they got on there site they made every possibe effort to resolve this. Bulls**t.

I have been trying to get Liberty Debt Management information from the last city they were taking people money from. The BBB from Fort Worth, TX just will not help me. They moved their operation from Hurst, TX to Forth Worth. It is a shame the money they stolen from others and myself. It is as if Jeremy Wright has a family member working for the BBB. They are crooks and just want my money back. I will keep posting information on this site. Maybe we can get a Class Action suit againts these liers. I called the BBB, faxed the BBB, mailed proof that these crooks took my money--they got on there site they made every possibe effort to resolve this. Bulls**t.

I have been trying to get Liberty Debt Management information from the last city they were taking people money from. The BBB from Fort Worth, TX just will not help me. They moved their operation from Hurst, TX to Forth Worth. It is a shame the money they stolen from others and myself. It is as if Jeremy Wright has a family member working for the BBB. They are crooks and just want my money back. I will keep posting information on this site. Maybe we can get a Class Action suit againts these liers. I called the BBB, faxed the BBB, mailed proof that these crooks took my money--they got on there site they made every possibe effort to resolve this. Bulls**t.

I have been trying to get Liberty Debt Management information from the last city they were taking people money from. The BBB from Fort Worth, TX just will not help me. They moved their operation from Hurst, TX to Forth Worth. It is a shame the money they stolen from others and myself. It is as if Jeremy Wright has a family member working for the BBB. They are crooks and just want my money back. I will keep posting information on this site. Maybe we can get a Class Action suit againts these liers. I called the BBB, faxed the BBB, mailed proof that these crooks took my money--they got on there site they made every possibe effort to resolve this. Bulls**t.

Below is a few lines from the scam contract I got from these thiefs:

LDM's Responsibilities
LDM agrees to perform the services as set out above in a prompt and professional manner.
LDM agrees to keep Customer reasonably informed of the progress in Customer's case, and will respond to any inquiries or correspondence by Customer in a prompt manner.
LDM agrees to inform Customer of any amounts, terms, or conditions of any settlement offers set forth by creditor(s).
LDM agrees to give recommendations to Client regarding the settlement offers.
LDM agrees to provide Customer with a copy of this signed Agreement for his records.
LDM agrees to provide an initial consultation with Customer.
LDM agrees to give to Customer an opinion regarding the outcome of Customer's case.
____________________


They did not do anything but take my money. Please do not have you hard earn money stolen like myself and many others. Like I said before they moved their operation from Irving, TX to Hurst, TX. I am working on the BBB to post their File from Irving, TX. These jokers are crooks, not one time did they do anything to help me. And Mr. Rip-off opps Wright what goes around comes back around.

I am trying my best to get their files from Irving, TX BBB to be included with their new file at Hurst, TX. They have over 40 complaints in Irving, TX, so I guess they had to moved their mailing/P.O. Box address to attack more suckers. They claimed that they made every effort to correct or rather make good on taking my hard earn money. Not at any time did Jeremy Wright called or e-mailed me, nor anyone else from Liberty Debt Management. I have no reason to lie. They are crooks and need to be stop. I hope I can stop them from taking other people money because they are not right. I am a real person that got taken from a real RIP OFF company.

Here is another one that was robbed by Liberty Debt Management INC. I am going to keep looking for more people. We have to stop these liers. Look Below and see what a real person have to say about the liers.

RUN FOR YOUR LIFE!!! Please don't believe the hype! I personally know someone who was completely up against the wall financially and he signed up with these rip-off artists. They told him they will contact all his creditors and didn't. They also took almost $3k of his money for administrative fees. Now he is being sued and Liberty said "Oh well, we told you that could happen! No, we don't get involved with that at all". So he is now being sued and will most likely have to declare bankruptcy so avoid having his wages garnished! Call Consumer Credit Counseling in your area! Suze Orman highly recommends them. She knows her sh*t. Wish my friend had listened

It is a SHAME that a company like Liberty Debt Management, Inc is robbing us. They have a terrible record with the BBB of Irving, TX, but somehow they added the Inc. after there Fraud company name, moved to a different city and like that new company with a fresh background.

I am not the only person that gotten robbed from these liers. A lot of hard working people like myself (who was taken like a fool) does not know about this site. They run a con game, I talked with about 8 different people at the Libery Fraud Management and not one of them told the truth.

I emailed and called the President of Liberty Debt Management Jeremy Wright over and over again and I never gotten a response. If you want to lose a few thousand dollars, have your credit score drop to the floor, have your worst credit ever, and file for bankrupty, then by all means let Liberty Debt Management, Liberty Debt Management, Inc (whatever they go by) ruin your life. I work hard for my money to let someone guy who knows the law take advantage of me.

All I want is my money back. This is the first feedback I have gotten from Liberty Debt Management. They had a terrible record with the BBB of Dallas. So how since the moved from their pervious location the link was removed. They rip me off. I called and e-mailed Liberty Debt Management over and over again and not one time I gotten a reply. Give me my money back. I have no reason to make this up. My posting on this site is not the only one. I know there is others.

My name is Jeremy Wright, and I have been the President of Liberty Debt Management. since 2002. Liberty Debt Management, Inc. has had more than 4500 clients since I have been with the company. I can say with a great degree of assurety that our company has strived for excellence with each of the individuals we have serviced during our time.

With each of the clients we have serviced during this time, our main focus has always been and will continue to be completely satisfying each person who enters our program. We realize that financial freedom is something that most people in the United States do not have the luxury of having, and know that it is a sensitive topic. Our focus is to help people that genuinely need our service to get them out of unsecured debt.

Our company prides itself on our success at helping those that have a legitimate hardship, or a viable alternative to bankruptcy.

While we believe that any complaint is 1 too many, we are in the business of assisting people in resolving debt. Our success is contingent upon our clients accumulating funds in order to satisfy their obligations to their creditors at a fraction of the cost. Unfortunately, there are some individuals that do not, or can not save money in order to satisfy their creditors at any percentage.

In October 2006, our office moved from its current location after exiting a four year lease arrangement in Irving. We elected to move to another office space roughly eight miles away in order to accomodate our employees, as well as our clients.

It was also suggested that we changed our name to include and incorporation (inc.) Since our company inception, we have always been Liberty Debt Management, Inc. There have been no name changes, and we do not have a DBA (doing business as).

As the owner of Liberty Debt Management, Inc., I welcome any feedback from any of our current or past clients. I can be emailed at jeremy@libertydebt.com personally. Please feel free to contact me at this address. I take pride in offering prompt responses, and strive to ensure that each of our employees give the same.

As a final note, I would like to state that anyone that has a financial issue should consider all of the alternative programs they can enter into for debt assistance. Research each option carefully, and then choose a company in that arena that you feel will best suit the needs that you are looking for.

Please people do not do buiness with them. They are not right, they know the law and how to cheat us out of our money. They are now using added Inc after they company name and moved there main FRAUD office to 1550 Norwood Drive, Suite 410 Hurst, TX from Irving TX. Now this company is located outside the service area of the Irving BBB bureau. They stole my hard earn money and lied to me.

I know I am not the only one that got their money taken by this scam company. So, anyone that was robbed by this company please post your loss on this site.