Body Ecology, Inc

Mrs*** stated in her complaint that she was unaware of our service fee if the debt was restructured instead of settled. Our Client Agreement, which was signed by Mrs*** on 7/1/2016, states:“For Enrolled Debts that are Restructured (as opposed to Settled), there is a
Service Fee of 10% of the Restructured Debt.” Upon obtaining this restructure, the service fee was also disclosed to Mrs***. Upon further review of Mrs*** account, Creditors Relief has closed this file from our program

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

9/28/2018 – After a free consultation client engaged Creditors Relief by signing the CR Service Agreement. Client enrolled a $55,000 Merchant Cash Advance and a $10,000 business credit card. It should be noted that the debt amount of the business credit card was later validated to reveal an actual...

balance owed of $12,912.47. Client agreed to pay a total enrollment fee of $8000 as outlined in the CR agreement. During the month of October the clients plan followed a standard CR debt relief protocol in which many CR employees were involved. Client enrolled in a 24 month plan designed to settle or restructure the debts. Client was unable to sustain their business and on 11/13 requested CR stop debiting their corporate bank account sighting they would be speaking with an attorney regarding bankruptcy. 11/30/2017 – Client sent email to CRS stating “I believe we had $3000 in there, we could really use that right now. The business filed a no asset chapter 7  Petition date – January 11, 2018 Please be advised that the bankruptcy trustee is the only one who could request funds be returned to the bankruptcy estate if they felt the services or service agreement was unwarranted. In light of the businesses circumstances and ultimate demise, CR released [redacted]. from the executed service agreement and waived the remaining enrollment fees of $5,080.38   Best regards, [redacted] Director of Operations Creditors Relief, LLC.   [redacted] Office: ###-###-#### Mobile: ###-###-####

Creditors Relief takes seriously its requirements under the Telephone Consumer Protection Act and the Telephone Sales Rules.  We have established and implemented written policies and procedures to honor all requests to cease calling, and we have trained all personnel in these procedures. ...

We maintain an internal Do Not Call list and we scrub all calling lists against the internal Do Not Call list before calls are made.  If this customer was called after she asked to be placed on the internal Do Not Call list, it was regrettably the result of an inadvertent error, notwithstanding our monitoring and enforcement of compliance with our robust Do Not Call procedures.  Creditors Relief regrets any inconvenience caused to this customer, and have ensured that this customer's phone number is properly placed on our internal call list, which should prevent any further calls to the customer.  We trust that this is a satisfactory resolution.

ID [redacted] - [redacted] Please be advised that [redacted] (“Client”) , the registered agent/owner of [redacted], enrolled with Creditors Relief (“CR”) to resolve their outstanding business debt.  A client agreement (“Agreement”), attached, was executed on 12/06/2016 by CR...

and Client. This Agreement outlines the costs of the program, to include non-refundable fees owed to CR.  Client confirmed he was dealing with a financial hardship (required by underwriting department) and that he could no longer pay his creditor. This declaration is recorded during the enrollment and welcome call. Client enrolled four debts of which CR settled two.  The CR commercial debt relief plan is designed to do two specific things; 1.       Free up business cash flow by providing the client with a lower plan contribution than the enrolled debt obligation. 2.       Negotiate a settlement (settle for less than the current balance) or restructure the enrolled debt (full repayment of balance owed) under terms the client is in agreement with. The CR Client Service Agreement makes no written or implied guarantees, success is offered on a best efforts basis only. The fee structure CR charges for these services are as follows: (see client service agreement) 1.       Agreed to Enrollment fee (in this case $4,000.00) collected over the first 6 months. 2.       Settlement success fee equal to 35% of the savings provided to the client 3.       Restructure fee equal to 10% of the enrolled debt load Additionally, CR charges a withdrawal fee of 20% of the debt load enrolled under the “Creditor Communication” clause within the CR client service Agreement for all withdrawn accounts.  This withdrawal fee was charged for [redacted] and [redacted].  After this fee was charged CR refunded the remaining balance to the client.

Mr. [redacted] enrolled in our debt relief program in April 2016 by executing a Service Agreement with the Creditors Relief. Prior to enrollment the client was put through a series of evaluations to determine if the client was suitable for the program. Mr. [redacted] enrolled into a 13 month program which...

he requested to cancel 1 month in.  All payments made into the program were returned and the file closed within our office.

Client was enrolled in the Creditors Relief (CR) commercial debt relief plan on 6/21/2017 by executing the CR Client Service Agreement. (see attached) CR Personnel involved with this file; ·         Enrollment Agent - Barry S....

·         Underwriter - Stefy C. ·         Welcome Call Specialist - Danny R. ·         Customer Service Representative - Diana T. ·         Customer Service Manager – Peter S. ·         Document Department – Paul E. ·         Negotiator - Dena P. ·         Senior Negotiator – Kim C. ·         Para Legal – Joseph C. ·         Director of Operations - Mike R. (not CEO)   Client confirmed he was dealing with a financial hardship (required by underwriting department) and that he could no longer pay his creditor. This declaration is recorded during the enrollment and welcome call. Client enrolled one debt owed to a company by the name of [redacted] (RA) with a balance of $58,749.77 Under the RA agreement (see attached) the client received $70,000.00 and was obligated to pay RA $416.67 every business day until $87,500.00 was paid back. Based on a 21 day month, the monthly obligation to the client was approximately $8,750.07 The CR commercial debt relief plan is designed to do two specific things; 1.       Free up business cash flow by providing the client with a lower plan contribution than the enrolled debt obligation (in this case $8,750.00). 2.       Negotiate a settlement (settle for less than the current balance) or restructure the enrolled debt (full repayment of balance owed) under terms the client is in agreement with. The CR Client Service Agreement makes no written or implied guarantees, success is offered on a best efforts basis only. The fee structure CR charges for these services are as follows: (see client service agreement) 1.       Agreed to Enrollment fee (in this case $4,750.00) collected over the first 6 plan contributions. 2.       Settlement success fee equal to 35% of the savings provided to the client 3.       Restructure fee equal to 10% of the enrolled debt load Additionally, CR charges a withdrawal fee of 20% of the debt load enrolled under the “Creditor Communication” clause within the CR client service Agreement. Please see attachment for timeline of events and additional notes. In closing, we are willing to provide the client with two options; 1.       Allow us to complete the job we were hired to do, which we are confident we can do, providing the client is being truthful regarding his personal assets. 2.       Provide a refund of $3500.00 in lieu of our client service agreement, and in the absence of a bankruptcy filing.