RD Cessna and Associates LLC

In regard to Complaint # [redacted] The circumstances regarding Mr***’s separation from the firm are not accurate and the statement of “unethical behavior” is unfounded and damaging to the firm The complaint’s criticism of the capabilities of our employee referred to as [redacted] are not founded in factThis employee has many years of experience in the field of negotiating and has participated in hundreds of SBA settlement cases The delays in this case were caused by the refusal of the client to furnish the necessary SBA forms and back up documentation to complete the processOur file is replete with requests for necessary records and formsIn some cases the wrong forms were submitted by the complainant even though we supplied them with the correct required forms The complainant discharged our firm and asked for a full refundAn examination of the file revealed that at that time we had completed the liquidation of the business assets that secured the loan and we obtained a Termination of the UCC filingWe structured the Offer in Compromise (OIC); however, we could not submit the OIC due to the complainant’s refusal to furnish the badocuments required by the SBA The $in fees paid by the complainants were not paid in a timely fashion However we continued to work the caseAt the time our firm was discharged, the amount paid to us in fees did not cover the work we had performedWe offered to waive the balance due as a final settlementAt this time the complainant employed extortion as a settlement tool; therefore, the matter has been referred to legal counsel We find the statements in the complaint to be false, libelous, defamatory, slanderous, malicious and grievously damaging to our firm Our firm has been engaged in SBA matters for years and have had only complaints in that time frameWe take our public image seriously, and it is an extremely valuable asset which must be protectedThe punitive action taken by the complainant is damaging and has prompted me to refer the matter to legal counsel with instructions to seek redress and a court order to cease and desist Sincerely, [redacted] DCessna

Richard and [redacted] have been very helpfulThey have helped relieve some heavy burdens

The complainant has requested a refund on a contract he failed to fulfillWe have invested seven months of time and effort ,marketing expenses, commissions, administrative costs and overhead into this caseThe client disappeared for a time and did not disclose certain tax matters that
complicated the case. The amount we have paid to administer this case is more than we have been paidWe have offered to waive the balance and deem the contract satisfied

When we were about to close our business and were having issues with Comerica, concerning our SBA Loan, RD Cessna had reached out to usJohn H was the first person we spoke withHe had boasted about how successful they, RD Cessna, were at getting their customer’s the "desired results"He referred to this as “the art of the process”They were very confidant and assured us that they had a wonderful working relationship with ComericaRichard Cessna even bragged that he took the Comerica crew out to lunch all the timeWe had to pay their full fee upfront, and while we were a little hesitant about that, they seemed pretty certain that this process would be over quickly and that we would be happy with the settlement
Shortly after signing our agreement, Glenn H was assigned our caseWe soon found that it was extremely hard to get Glenn to respond to us, either by phone or emailHis response times were incredibly slow, sometimes weeks or months It got to the point where we requested a weekly update from him so that we all would be on the same page during this processIncredibly enough, he was not even able to do that for usHe also gave us very poor advice too, such as advising us to put a lien on our property, when the bank already had a lien in placeHe claimed that it was not in the counties record, but we were able to go on-line and find it easily enoughThis was yet another unnecessary costWe also left many messages for him and sent many unanswered emailsWe went back and forth with Glenn H for three years
Glenn assured us numerous times that Richard Cessna was being kept up-to-date with our case, however, when Glenn left the company, we noticed that Richard Cessna begin asking us to do things that Glenn had already asked us to do months agoRichard also began to request information that we had already provided Glenn previouslyWe found ourselves re-sending emails to Richard that we already sent to Glenn months earlierIt became apparent that Richard was not involved in our case as Glenn had said earlierThis only delayed the process more
We went approximately three years of going back and forth with Glenn H and Richard CessnaWe asked why is this taking so long and Richard only reply was, "these things take time"At one point we were served with papers by ComericaThis surprised us since Comerica knew we were being represented by RD Cessna and were in negotiations with them (Comerica)When I informed RD Cessna of the lawsuit against us, he said that that is a typical strategy that the banks use and that all we had to do was get local council to help us through the processThe problem with this "process" of course, is that attorneys are expensiveWe spent over $15,on legal feesHad Cessna been more responsive and aggressive in handling our issue with Comerica we would not have to incur that expense, as well as, othersAfter RD Cessna’s Fees, miscellaneous fees and attorney’s fees, we ended up settling for what we owed, months later! When I spoke with Richard Cessna and told him we were unhappy with the settlement, all he did was blame our attorneysHe NEVER took any responsibility for wasting our time for three years Dealing with RD Cessna was a total waste of our time and money
Looking back, we would have to say that once this firm has your money, they really don’t care about you

In regard to Complaint #*** we offer the following response. The circumstances regarding Mr***’s separation from the firm are not accurate and the statement of “unethical behavior” is unfounded anddamaging to the firm. The complaint’s criticism of the capabilities of our employee
referred to as *** are not founded in factThis employee has many years of experience in the field of negotiating and has participated in hundreds of SBA settlement cases. The delays in this case were caused by the refusal of the client to furnish the necessary SBA forms and back up documentation to complete the processOur file is replete with requests for necessary records and formsIn some cases the wrong forms were submitted by the complainant even though we supplied them with the correct required forms. The complainant discharged our firm and asked for a full refundAn examination of the file revealed that at that time we had completed the liquidation of the business assets that secured the loan and we obtained a Termination of the UCC filingWe structured the Offer in Compromise (OIC); however, we could not submit the OIC due to the complainant’s refusal to furnish the badocuments required by the SBA. The $in fees paid by the complainants were not paid in a timely fashion. However we continued to work the caseAt the time our firm was discharged, the amount paid to us in fees did not cover the work we had performedWe offered to waive the balance due as a final settlementAt this time the complainant employed extortion as a settlement tool; therefore, the matter has been referred to legal counsel. We find the statements in the complaint to be false, libelous, defamatory, slanderous, malicious and grievously damaging to our firm. Our firm has been engaged in SBA matters for years and have had only complaints in that time frameWe take our public image seriously, and it is an extremely valuable asset which must be protectedThe punitive action taken by the complainant is damaging and has prompted me to refer the matter to legal counsel with instructions to seek redress and a court order to cease and desist. Sincerely, *** DCessna

In response to the complainants refusal to accept our offer to waive his balance and the and defamatory statements proffered in his complaint, we have referred the matter to counsel for appropriate redress

My SBA loan was in default and as I researched companies that specialized in SBA loan defaults and Offers in compromise (OIC's), I came across RD Cessna. Specifically I read comments by [redacted], director of legal affairs for RD Cessna, that seemed to indicated they were an extremely capable firm in working with banks and the SBA in resolving SBA loan defaults for fractions on the dollar and preventing home foreclosures. When I reached out to [redacted], initially he was extremely responsive. He always took my calls and explained how they take banks to school on SBA Standard Operating Procedures (SOP) that resulted in them getting the very best outcome for their clients. He was very convincing. I then asked for some references and he sent me 3-4 references but I would find out later, they were all from people who owned failed Planet Fitness Franchises. I'm assuming this is where they have had some modicum of success; however, I was only able to get ahold of 3 of 4 four and the reviews were positive to neutral. I also checked Revdex.com ratings which were positive. I decided to give it try. They then sent me an agreement that initially said that as soon as the contract was signed, their $12000 fee was earned upon signing without them ever lifting a finger. This should have been a big red flag; I asked them why was this language was in the agreement but didn't get a good answer. I then demanded that this clause be removed. They also required a $2500 retainer upfront. I asked could I retain them and pay them the retainer in a few weeks but that I still wanted to get the process started. [redacted] said they needed something upfront because most of the work they do happens upfront so they needed at least $1500. This seemed reasonable so I scrapped up the money and sent it in. After sending in the retainer, the responsive [redacted] became unresponsive. I stopped hearing from [redacted]. I started calling, calling and eventually he would get on the line only to tell me that he would have to call me back. After a few weeks had past and the endless game of phone tag, I confronted [redacted] about the lack of progress because he had yet to initiate any contact with the bank. He then said bluntly, "well you only gave us $1500.00 and we're not going to do any work without a full retainer." I said if that was the case, why didn't you say that. He then said if I didn't like what was happening, I could go work with Second Wind Consultants but they would cost me twice as much. I was really disappointed in this attitude and lack of professionalism and realized I had chosen the wrong firm to place my trust. Since no work had been done, I contacted [redacted] and asked for a refund because I was also dealing with a foreclosure notice from the bank and had to retain local counsel. I spoke to [redacted] and said [redacted] indicated no work has been done so I want a refund. She said she would forward my request to Richard Cessna, the owner of the firm and that Richard of [redacted], would contact me. Two months have passed and I haven't heard from either and to tell you the truth, I really didn't expect to. I think this firm is fundamentally dishonest and once they have your money, they get very non-committal about what they can deliver. In fact, after I started having trouble with them, I checked into their history and discovered although they purport to have been in business over 30 years, their listing with the BBA is relatively recent. Which probably means they switched names and changed tax ID's to hide their past. Anyway, I've decided to submit the OIC myself (there are only two forms) and if you get the SBA SOP on foreclosed loans you can figure it out yourself. I would strongly recommend that anyone reading this stay away from RD Cessna. This is honest account of my experience.

In regard to Complaint #[redacted] we offer the following response.
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The circumstances regarding Mr. [redacted]’s separation from the firm are not accurate and the statement of “unethical behavior” is unfounded and
damaging to the firm.
 
The complaint’s criticism of the capabilities of our employee referred to as [redacted] are not founded in fact. This employee has many years of experience in the field of negotiating and has participated in hundreds of SBA settlement cases.
 
The delays in this case were caused by the refusal of the client to furnish the necessary SBA forms and back up documentation to complete the process. Our file is replete with requests for necessary records and forms. In some cases the wrong forms were submitted by the complainant even though we supplied them with the correct required forms.
 
The complainant discharged our firm and asked for a full refund. An examination of the file revealed that at that time we had completed the liquidation of the business assets that secured the loan and we obtained a Termination of the UCC filing. We structured the Offer in Compromise (OIC); however, we could not submit the OIC due to the complainant’s refusal to furnish the back-up documents required by the SBA.
 
The $4500.00 in fees paid by the complainants were not paid in a timely fashion.  However we continued to work the case. At the time our firm was discharged, the amount paid to us in fees did not cover the work we had performed. We offered to waive the balance due as a final settlement. At this time the complainant employed extortion as a settlement tool; therefore, the matter has been referred to legal counsel.
 
We find the statements in the complaint to be false, libelous, defamatory, slanderous, malicious and grievously damaging to our firm.
 
Our firm has been engaged in SBA matters for 37 years and have had only 2 complaints in that time frame. We take our public image seriously, and it is an extremely valuable asset which must be protected. The punitive action taken by the complainant is damaging and has prompted me to refer the matter to legal counsel with instructions to seek redress and a court order to cease and desist.
 
Sincerely,
 
[redacted] D. Cessna

Richard and [redacted] have been very helpful. They have helped relieve some heavy burdens.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
What a twist! These people are obviously very good at spinning the truth, and must do it often. I have no idea what is being referred to when I supposedly "disappeared". I Have always been there, trying to get something done. Also, the tax situation mentioned is something that I am not familiar with. I spent a lot of time gathering information for [redacted], then paid them 9,500.00,and received very little in return. Now it seems that they are fabricating a story mixed with lies. I of course realize that your organization can only pass along a complaint, not make a judgement. The bottom line is that even if I do not receive a refund, your organization should know that [redacted] just might not be a business that is deserving of your approval. They show your symbol on their website as an assurance of their good standing in the community. In my case,it certainly seems that their business tactics are not set up for fairness to the client. I deserve a partial refund for services not performed.Thank you for your help[redacted]