Complaint Review: MYDEBT1ST

As much as it would be a 'dream come true' to see this company and Mr. Bulock out of business, it appears he has been able to survive still. I called the office to ask for my long over due paycheck--expecting to hear that the company had closed.

A nice gentleman named Paul helped me--and took a message for Mr. Bulock. "I WANT TO BE PAID MY WAGES!"

Then this afternoon-I was looking up something on the internet and was googling another Addison TX debt settlement company. Off to the side-right under Credit Solutions--was MY DEBT 1ST--advertising like the big boys! But not paying their bills I assure you!

What I would recommend here--and I'm going to do it until I get paid--if you want 'information' about this company--go to google and look them up. If you CLICK through to their contact page and send them a message--it actually costs the company money. Here are a few expensive terms they probably have in their advertising with GOOGLE or YAHOO>>>>> TX debt settlement bankruptcy consolidation equity loan
I would recommend you go to the big GOOGLE search page--then enter any or all of those search words--then look to the right hand side for a small ad with MYDEBT1ST as the sponsor for that search result. You then CLICK on their ad--then CLICK on the CONTACT US tab on their front page--then send them a short email so they know you know about them. Each CLICK potentially costs him $50--so hit him where it counts--his pocket!

Good Luck Jimmy, she has still not received the return receipt for the cell phone and useless keys returned to you. I believe it is because nobody is there to sign for it. Good luck with your future endeavors and always remember that you need to pay the people who have worked for you including the person you have been fighting with back in forth on this site. Your Top Producer has been paid, although a cashiers check again, but do the right thing and pay Nivek. :)

If you really think he stolen anything from "you'll", "you'll" are so sadly mistaken, he helped the people by not having them sign up with a company that is obviously closed now. We all really think you are the thief Jimmy, you paid with cashiers checks and did not pay your tax, matched tax, medicare, social security and business tax, projections for company etc....should we go on?

It only hurt us American's who try to do the right thing and have to pay for the stupidity of Presidents and CEO's of companies that thrive off of greed. We expect that this issue is resolved, We do not expect any further communication from you as We have done the right thing. It is up to you now with your ex-employees....PAY THEM and get on with "you"ll" Life!

Read your comments about the craigslist post and they just don't hold water.

We were called into a meeting at around noon on 1/10-and all told then that the company couldn't meet payroll and was closing effective immediately. I know and accept that as the truth-and I think Jimmie caught us all off guard.

It was the NEXT day--the 11th--the DAY WE WERE SUPPOSED TO GET PAID--that the craigslist post ran for new hires. You don't/can't schedule those postings. You post them-and 15 minutes later, the post is 'live' and online. Lizzay used to post those ads looking for new sales people about once a week-and that's cool. Until Jimmie couldn't meet payroll. Until Jimmie closed the office down.

Hey-if Lizzay (or anyone) could financially afford to work for Jimmie for free-then good for them. I'm just saying that for either Lizzay or Jimmie to post that 'help wanted' ad looking for sales people-the day after the company couldn't meet payroll--it's stinks. And it's fraudulent. And the Texas Work Force Commission is now forced to look into it--Jimmie's intentions, the company's policies, the question of whether or not Debt 1ST should even be allowed to continue and be allowed to hire employees-given their inability to pay wages as earned.

So-whether this is Jimmie or Lizzay--or any other good intentioned employee---tell me this. If Jimmie has sent me an email a week ago stating --and I quote directly--

"For three, I have paid whoever worked for me that I owed and have every intentions on paying you, which I never said that I wasn't going to in the first place"

If I HAVEN'T been paid yet--and he has every intentions of paying me--what's the hold up? I assure you he doesn't like having the company's business talked about on this site. He knows/acknowledges that he owes me the wages. The only feasible reason would be if he was unable to pay me-which I believe is the case.

Because if he DID pay me--I'd be so grateful I'd come on here and BRAG about being wrong--that the company MUST be solvent and able to meet it's obligations. I'd be so grateful, I'd write to TWC telling them my wages had been received and I wanted to withdraw the Wage Claim.

So-If he KNOWS he owes me, and INTENDS to pay me--and only good things (see above) could happen once he DOES pay me--what possible reason could he have for NOT paying me?

And you're d**n RIGHT I care about this and I'm *&*&*& and moaning about it--it's almost $1500 he owes me now for over 5 weeks! Not a good business practice to NOT pay employees. But all can be forgiven if he'll just step up to the plate and pay myself and any other former employees he still owes!

Well nobody knew we were going to be going into a meeting and being close...so there would have never been an ad put in craigslist. We all worked and did what we were told. As far as the company now yes there are operational but at the time we were told closed down and none of us would be employees anymore. But the clients would still be taking care of. But they are staffed now. Well I hope your situation changes soon and you get paid ASAP! Good luck!

I appreciate your post today--but it brings to light further inconsistencies--since this ISN'T President/CEO Jimmie Bulock posting as "moneyprobs". Today you indicate (in response to my post):

Well I hope you get paid very soon! As far as the ad on craigslist I do not think anyone was aware that we were going to close down not even the person who posted it. This caught us all by suprise. But I guess you could tell. I wish you luck!

MY response is that I hope I get paid soon too-but I've stopped waiting for company management to pay voluntarily. On the other hand-when the TWC demands it-I imagine he'll pay. I just don't know why it had to come to begging for my pay.

Anyway you say "I don't think anyone was aware that we were going to close down, not even the person who posted it." The person that posted it-if not Jimmie Bulock--was his assistant Lizzay. She sat in the same meeting I did on 1/10-and from what I've been told, she worked several weeks longer without being paid. So-it was either Jimmie who KNEW he couldn't pay past employees or Lizzay, who on the date it was posted knew she wasn't getting paid! It doesn't make sense-either way.

Also--MONEYPROBS--on your post of 2/7 you indicate that the office isn't closed-they are still operational. Which is it? Today you say "didn't know we were going to close"--less than two weeks ago you say "office isn't closed still operational."

I hope that anyone thinking about doing business with this company--either as a client or employee--will look at the practices and complaints against the company. At BEST you can say the business is 'unsettled.' And at worst-you'd come to the conclusion that the owner started the business under capitalized and is now robbing Peter (new client drafts) to pay Paul (past due obligations like employee wages, rent, utilities)--and I imagine it won't be long before it's being run out of a garage in Lewisville TX. RUN far and fast-or you'll end up like me.

BEGGING for what is legally and rightfully mine.

Well I hope you get paid very soon! As far as the ad on craigslist I do not think anyone was aware that we were going to close down not even the person who posted it. This caught us all by suprise. But I guess you could tell. I wish you luck!

You're absurd, Jimmie.

I didn't START this post--it was brought to my attention by another disappointed former employee who you FINALLY paid. But-I guess you didn't leave a good feeling with that person-or

SHE WOULD HAVE UPDATED HER INTIAL POST!

You claim I stole leads from you-yet haven't addressed how that could be so (since all leads were emailed directly to you, then all information entered into your database.) I've INVITED/ASKED/BEGGED you to file charges against me with the Addison police department to address your 'theft' accusations. That's your choice and the correct manner in which you need to address this alleged theft.

I've filed a Wage Claim against you, Jimmie-since I worked 100 hours at your business and wasn't paid. That's MY choice-since you refuse to address my wages as a responsible employer would.

On the off chance that the person responding isn't Jimmie--be careful. IF you're working for him-what is your guarantee you won't be left without a job or pay in the next week or so? Any guarantee? Even his assistant, Lizzey, was left for WEEKS without being paid-she worked hard every day and her expenses (such as child care) continued to accrue. So-he picks and chooses who to pay. Is THAT what you want? Good luck and God Bless--I'm letting TWC get my money from this deadbeat employer (so it's really not a worry)--but I'll continue addressing THIS post as long as Jimmie wants to do so.

Here's the REAL sign of class. On 1/10-Jimmie tells us he can't make payroll and is closing the office immediately. The very next day he lists an ad for employees on craigslist.com ! Check under DALLAS and under JOBS and under DEBT (search using that term)--see date 1/10 . His intentional act to defraud employees-myself and present employees--with that one post--will cost him THOUSANDS in fines if TWC has to force this deadbeat to pay me! Now-it's his to worry about...

I do not understand why you are so worried about everyone else. Are they worried about you? Nope we all got paid and not worried anymore. We have no issues any longer. We all got paid so we are good. So you have your own issue. As far as us working 3 months and milking the company that is not true. But again you are always worrying about everyone other than you...like I have been saying you have your own issues to deal with.

A short response. Why would I care if management was paying too much for leads? Well-several reasons. First-if they were QUALITY leads-sales would have been generated, right? By and large-sales weren't generated except for one person-KM. And-if the company is fine and hasn't missed a beat per previous posts here-why would the top producer be left in the position she was left?

SHE was the person that initiated this post here--not me. SHE was the one that worked for the company and 'sold' about a dozen clients on the program over a three month period. So--why did she have to leave the office without being paid--taking 'company equipment' with her--to ensure she was paid?

My second reason for caring how much was being paid is simple. When management spends so much money on leads that are ineffective-it apparently affects cash flow to the point where employees aren't paid. The same with installing a T1 line a month before closing the office-brilliant. And having about a dozen PC's purchased with no staff using them. And the flat screen plasma tv hanging in the break room--brilliant.

So-why don't you ID yourself here?

As for having time to waste-yeah--thanks for that. When you closed the office on 1/10--and haven't paid me--or others as far as I know--that leaves us scrambling for jobs. How many of your former employees have ALSO filed against you for unemployment--as I have done? So--I have time to sit up at your office and see that nobody but you JB are up there--though your assistant may have gone up there.

JB-when you couldn't make payroll 12/28-you had us hold the checks-I heard two of the four sales members say they didn't take 'appointments' they had set with potential Debt1st clients. They didn't 'take the appointment' because they didn't want to risk enrolling a client in a program that wouldn't exist a month later. And then the week after New Years-you have us come in and are unable to provide leads!

I worked the shortest period of time--just over a month. You had two others there (not KM) who milked you dry for nearly the full three months they were entitled to get! During my month-the office was shut four days for holidays--and you didn't provide leads for the final week I was there. What kind of results did you anticipate?

Well if he was paying to much for leads why should you care? It's not like you are paying for them right? You were trying to sell them. Exactly! And if you have the time to sit up there and see who comes to the building you have a lot of time on your hands. That is so funny to me. But if you feel the need go right ahead! LOL! So yes everyone has been paid but you. But again that is your deal. You need to deal with that not us. You never brought any clients in the program anyway. So just worry about getting paid and the rest is really none of your concern to be honest.

Good luck in getting the money you worked for. I hope you got some good money for the leads you attempted to sale. I do not understand why you would do it from your work computer but hey not every one is so bright. Oh and you did put you contact info on here but not sure if you noticed they took that out. They will not let you leave your personal contact info on here.

OK--you can pretend to be whomever it is you want to be--I've identified myself and how I can be reached. The company was small to begin with-just a personal assistant to JB, and four sales members. I was one of the sales members. The person that originated this post (hosedconsumers) was another of the sales team.

To address the previous post-I have it on good authority that she retained company property (a cell phone) in case she wasn't going to be paid. Not a bad idea-and I wish I had thought of it.

On the issue on 'stolen paper leads'--it's absurd. First of all-he was drastically over paying for leads that weren't worth the paper they were printed on--$17 @ by his own account. The close ratio was less than 2%-over a 7 week period--so poor, in fact, that sufficient revenue wasn't produced to keep the company afloat.

As for the allegation of stealing a 'paper lead'--sheer craziness. Each lead was sent to JB's email. His assistant then printed them out and distributed them. Every other sales member trashed the paper leads after entering the information into the company's database. I retained mine-at my desk. When I left, I was observed by JB's personal assistant-as she was instructed to watch us all--and took only my personal belongings.

Let's all take a breath here and think about this. IF the 'paper leads' were stolen-all that JB would have to do was re-print them from his email. If he were too lazy to do that-he could just check the company database-where all the client information was entered. JB and Debt1st were not deprived of anything. Nothing was stolen. The leads were near worthless--nearly as worthless as the 5000 postcard marketing campaign to OK consumers! CRAZINESS!

On the other hand-I've been asking for my check for 100 hours for a month now. I can't speak to anyone else or if they were paid. I know that I haven't been. And that flies in the face of JB's own assertion that he has paid everyone that worked for him.

Why doesn't this employee--(who isn't the President)--address the company's willingness to mislead the consumer by using words like CERTIFIED in their site-as demonstrated above? And if this isn't the President-aren't you just a little bit defensive about a situation you have no right knowing anything about? At least one (me) former employee wasn't paid. Another employee had to resort to carrying out a company cell phone to ensure she'd be paid. What can you--"new employee"-do to ensure you'll be paid all your current and future earnings?

I guess if this current employee is going to keep responding to this former employee-I could go up to the office Monday and take pictures of employees going in. Would that prove my point, JB?

Also, I did not say he was not going to pay you...but you in fact you owe him money for stealing his leads. That is what I said. And the person you are backing on this rip off report has in fact got paid. So you are the one that has a situation to deal with not us. We all have been taken care of. So that is your deal. He has hired a new staff and doing a great job of taking care of the clients still. So Debt 1st never skipped a beat. Whoever put the initial statement in here didnt mentioned that they walk out of the company with company property including client infomation which is considered stealing. It is always easy to point the finger at a company when you should be looking at the thumb of the finder being pointed.

You may think this is the Owner writing this but it is not. All of the employees I have talked to that worked with Debt 1st have been paid. I have not talked to you and not sure if you have been paid. That is not my business anyway. But I know everyone else has been taken care of. So you have your own situation to deal with. But I do know the clients are being taken care of and he has a staff that is working for him. So stop saying things if you do not know if they are true or not. You are mostly going off of hearsay.

The responder above is the President/CEO. I made him aware of the original post (from a former employee in the Colony) and my added comments. I sent him an email yesterday-to which I got the following response:

"First of all, this is a very false statement. I have not closed business and my clients are still getting the service that I agreed to give them, as a matter of fact just settled one client debt Monday and have done follow ups with them and I'm fully aware of what is going on by the ex employees of Debt 1st and believe me it is being dealth with. I don't let things like this happen without recourse. Another thing, you are making a fool out of yourself by writing whatever you are writing about Debt 1st because for one it is false and for two it is slander and for three this doesn't get under my skin one bit so whatever you are doing is not working. For three, I have paid whoever worked for me that I owed and have every intentions on paying you, which I never said that I wasn't going to in the first place. All you and whoever else are doing is hurting yourself which you will see shortly."

This is his verbatim response--I didn't change it. I didn't add to it or butcher his "English" to make him appear less intelligent than he is. He really writes this way.

As to his comments in response-here on www.ripoffreport.com I would add this.

True-I believe the employee who originally posted here has been paid-though she may not have been when the post was originally made.

True-to the best of my knowledge-a person doesn't have to be 'certified' to negotiate a debt. However-IF you're going to advertise that you have a CERTIFIED SPECIALIST discuss and settle your debts--you should back that up. See here:

http://www.mydebt1st.com/services.html (at the bottom of the page) where it states: "E-mail us now at info@mydebt1st.com to have a certified specialist discuss the savings on your total amount of debt. The consultation is FREE!"

Finally-in the comment posted 2/7--the post from WACO indicates that he doesn't intend on paying me--making some abstract comment about stealing his leads. And yet-the owner of the company, in the email I quoted verbatim above indicates:

"For three, I have paid whoever worked for me that I owed and have every intentions on paying you, which I never said that I wasn't going to in the first place"

I can go on and on about the vast misrepresentations made by this company and it's President/CEO--and I can back them up with either email proof or corroborating evidence from at least one other former employee. I would advise you-if you are a consumer in debt trouble--to RUN in the other direction. This company-IF it's still in business--is bound to close soon. And then-what happens to your money that you paid in to the service? You won't have any more luck getting a refund than former employees have had getting their due pay.

IF you're a sales person considering working for this company-think twice. The adventure will severely sidetrack you financially. If you want more information-you may contact me directly at (((ROR REDACTED)))

Again-if given evidence to the contrary--or when/if paid, I will gladly come back and update my report. Until then-my wage claim remains active with the Texas Workforce Commission.

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.

Well to the Author that wrote this...in the Colony did in fact get paid. All of our checks were FedEx to our homes. You do not have to be a licensed professional to negotiate unsecured debt. Everyone should know that. To the other person no they did not get paid. He stoles leads from the company and sold them. Why would a person want to pay a thief? Makes no sense to me. So he in fact owes the owner money. The company is not closed either. They are still operational btw. So they are still in business.

Well-I was alerted to this RIP OFF REPORT by a former co-worker. Now-having read this, I can't believe someone else had the courage to speak up about this company and it's management before I did! I left a reasonably well paying job where I had sold these same settlement services for 18 months-to come work for Debt 1st and Mr. Bulock.

The first paycheck I received Mr. B---- asked that we 'hold on to them' over the weekend since the IRS hadn't completed our quarterly taxes. That was December 28th. A few hours later-he came by and told 3 of the employees it was 'ok to deposit the check'--which kind of negated what he said before.

On January 10th-he called four employees into the conference room-and told us that he was closing the office effective immediately, and that he wouldn't be able to make payroll the next day. The 'good news' is that he was expecting the procedes of a Small Business Administration loan that week-and he'd mail us our paychecks. Now-almost a month later-most of us haven't been paid. He's paid one person-she insisted on cashier's check. I've personally requested my money 3-4 times--and finally filed a Wage Claim against him with the Texas Workforce Commission.

I know that he intends to continue appearing to operate as if all is well--that will allow him to keep drafting client accounts--which means he is essentially stealing their money.

IF you have bought into the program with DEBT 1st--look into the Texas Deceptive Practices Act--you ARE protected. IF you want his personal contact information-including home address and phone numbers so he can't evade you--contact me via email.

RUN don't WALK from this unscrupulous business owner. He has no intention of voluntarily paying his employees-or making good on the promises he has made to clients. Save your credit rating while you still can!

IF company management contacts me and makes good on specific promises, I will be glad to update my report/rebuttal.