I have a very strong background with these companies, what they do to manipulate people over the phone and much more. There is a constant shell game between the companies, their addresses, and the BBB rating for each because of their ability to work the system. The only people who can prevent them from doing what they're doing is the consumers who are confused into using their very lacking and profitable service.

First off Debtwave is a NON-Profit that makes huge profits but are siphoned off by it's sister company Coastal Credit Solutions(when I say sister, I mean the same. the owners are the same..lol). At one time they were in the same offices, one company signing you up With a so called "non-profit" the other pretending to be the non-profit overcharging and lying about the services they provide to enhance them to a level that would make anyone want to use them. The problem is the fallout rate is "Very Large" and they like it that way, people feel like they failed the program when in reality it is designed that way for them to take fee payments and when the service is supposed to start they can't handle the payments and are out thousands of dollars in fees. Which brings me to the next Company The Johnson Law group out of Florida(TJLG is what they are called to avoid people looking them up by BBB where they are constantly having 40 plus complaints about fraud, in their training manual it has phrases to avoid key questions as to prevent liability) We always answered the phone law firm.

What everyone FAILS to understand about TJLG, Debtwave, DEBTCOR INC, AZAM Law Firm is they are all college buddies. The head guy of Azam was attached to a very large lawsuit against a similar debt company he was a partner of. People got some real serious time out of it, not that guy though. He just opened up another practice doing the same scheme as are the heads, chairmans, ceo, executives or what ever they are calling themselves for the purpose of shelter in the company. Don't buy into it they have made the most elaborate web of deceit and lies I have ever seen from a group of college friends. These guys are truly out there!

Debtcor INC, JFK Financial, and Equity Direct Funding are all the same company, I was able to obtain that information through the BBB.

The way it works is you have 2 companies named Debtcor and Coastal Credit Solutions(BTW, most companies if not all that operate in this line of work are just as bad in my experience) They buy leads from online sources where people are insta- clicking for all kinds of things putting in their information. Reps from those two companies solicit people from those Paid for Leads(clients). The reps are very uneducated, as they should be because they are paid very low wages for what they are expected to do. Their managers give them false information to regurgitate to their clients as to start the misinformation train as I call it. That train starts from when they start talking all the way until the people default or we kick them out of the program through various tactics of not returning calls, pulling multiple unauthorized payments, giving bad information to show incompetence, just to name a few.

Back to the reps at Coastal Credit Solutions and Debtcor Inc. They have a strict script they follow to get the clients feeling bad about any credit card debt they have and any rate they have, they will recommend to clients who refuse their services to bankruptcy even with a mere 2 thousand dollar credit card. They are telling people their rates are higher than they really are all the while reps know and still sell this bag of goods to their clients. I guess their low wages are worth their integrity.

The clients are sold either debt management or debt settlement and both require upfront payments most of which are going as partial payment to those respective companies. Residuals come into play because we are talking about a 59 or 39 dollar a month service fee, most of these programs are 3 years or longer so that is a large amount of money especially because of the number of clients they are swindling in.

After the selected program, they collect the information from these people and because most of them income wise won't qualify, reps are constantly changing everything to make it show as if the program was set up to work, all the while, they'll set up an 1100 dollar payment for a person they know to only make 900 total a month. They tell them just to get the money any way they can for the first month or they will face certain financial ruin. They obviously know these clients will fail, they don't care, they prey on what they are assuming and I must agree are some pretty dumb people, all insults aside. They won't be dumb most likely more than once with this kind of situation and most likely feel like they failed and not even blame the company.

Next they do their contract agreement or whatever they are legally calling it now. From their they are shipped off to either Debtwave for debt management, or the TJLG and Azam for debt settlement. Although Debtwave is not doing anything with debt settlement they are still very much affiliated with TJLG. TJLG handles all the payments for debtwave, claims to be their attorney's, and is the fall guy for all debtwave client backlash.

The stripes run deep in the collusion between these companies. They are pure evil bottom feeders. I truly hope they are audited and run out of business by the government. They definitely belong in jail for these crimes against consumers and for the lives these people are helping to ruin for the sake of a buck... or should I say millions of them.