Scammed: Credit Repair A Ripoff?

Sean Hanes is packing up his American dream and moving on. 48 Hours Investigates Correspondent Peter Van Sant reports.

“I am a hard worker,” he says. “I love my family. I take pride in what I do. I just want to provide for my family.”

But he can’t afford to live in the southern California town where he and his wife Patti were raising their four kids.

Two years ago, things were different. Sean, a mailman, owned his own home.

But the Haneses were struggling. Years back, they had declared bankruptcy. They were deep in debt. Their credit rating was in ruins.

So the Haneses turned to a credit repair company called ICR Services.

ICR, based in Lavonia, Mich., is one of the biggest in the growing field of credit repair.

Their secret?

According to the company’s founder, Bernie Pavone, ICR has a special computer program that can make everything from bad loans to bankruptcies disappear – if there are technical inaccuracies like a misspelled name or wrong address.

In a commercial for ICR, Pavone says the computer program “searches for erroneous information and forces the credit reporting agencies to correct or remove them. There’s not a program on earth like this. It’s the only one of its kind.”

ICR even offers a 110 percent money-back guarantee.

So the Haneses forked over about $500 for the service – nearly all their savings.

Says Sean, “I thought I was doing something right to improve my credit.”

Six months passed. “They took my money,” says Sean. “They went away. That’s it. They ripped me off.”

When they tried to get the money back, says Patti, “Every time I would try to talk to somebody, I’d get a different story.”

Adds Sean, “They said that we didn’t follow the proper steps.”

For Sean and his family, he says, “It’s been hard. I’m not going to blame everything on ICR, but it was the start of things. You know: $500 – and then bad things happen and then bad things go, it’s like a domino effect.”

The Haneses had put themselves in a deep financial hole. Unable to afford their house payments, they’ve decided to move.

Government investigators say there are tens of thousands of people like the Haneses, people at the end of their financial ropes who have trusted ICR and companies like it to repair their credit, only to find that they’ve been ripped off. And while ICR insists it’s operating legally, the Federal Trade Commission says it has never seen a legitimate credit repair company.

Viola Watson used to be an ICR insider. Her title: presidential sales representative. She saw firsthand how her boss, Bernie Pavone, lives: the Bentley, the waterfront condo in Michigan; the $2 million California mansion.

But, despite the money, Viola says she quit when she realized how many ICR customers were getting scammed.

The customers would fill out forms, she says, adding, “The check would get cashed, but the paperwork is nowhere to be found. From where I stand, I call that fraud.”

Viola also learned that Pavone spent 21 months in federal prison for counterfeiting and credit card fraud.

Viola was sued for violation of contract when she left. She says her conscience gave her no other choice. The company claimed she was working for a competitor, which she denies.

48 Hours Investigates reviewed dozens of consumer complaints, and two class action lawsuits against ICR, one of which ICR recently settled for $5.5 million. When we also learned that the company is currently under investigation by both the Federal Trade Commission and the Department of Justice, we called Bernie Pavone for an interview…

He hung up on us.

So 48 Hours Investigates went undercover. And on a drizzly Saturday morning in Wilmington, Del., we caught up with Bernie Pavone. He was there to recruit new credit repair customers, and new salesmen. Both mean more money for him.

A 48 Hours Investigates producer signed up as a new sales rep.

To sell ICR’s service, you don’t need any financial experience – just ICR’s exclusive software program.

But according to John Smith, who runs the Georgia Governor’s Office of Consumer Affairs, “This $200 million software program? I’ve never seen it. I’ve never seen the results… What I heard was a lot of double talk, and I didn’t hear anything specifically describing what their software is or actually how it works.”

Smith’s office was first alerted to ICR more than a year ago by consumer complaints. And then there was ICR’s ad in the Atlanta yellow pages.

“It says ‘Approved by the Georgia Office of Consumer Affairs,’ and that’s simply not true,” he says.

So that ad is a lie?

“That,” Smith confirms, “is a lie.”

Smith’s office has accused the company of unfair and deceptive business practices.

“I think they are predatory, and I think they should be stopped,” he declares.

48 Hours Investigates’ undercover operation continued. Our producer recruited his first customer (also a 48 Hours employee). Together, they met with Tim McCormack, a regional sales rep in Wilmington.

When these folks are telling people they can get bankruptcies removed, what does John Smith say?

“That’s just not true,” he says flatly. “They cannot do what they’re saying they’re doing legally. That is only a temporary fix, those things are going to be right back on there.”

We tracked down Bernie Pavone at another recruiting session in New York. It was time to confront him directly. But when he saw our camera, he walked away in a hurry.

So our undercover producer, Miguel Sancho, got on stage and asked why.

He asked Pavone, “Don’t you think you have some important questions you should answer?”

Pavone replied, “And I’m happy to answer them. I would be so happy to answer them, Miguel. As a matter of fact, I’ve already called my publicist, and we’re going to set up an appointment and get all your questions answered.”

But that never happened. Instead, ICR sent 48 Hours a statement. In it, they say the company doesn’t repair people’s credit, but instead “helps people remove erroneous information from their credit reports.” The company also says it is cooperating with the FTC investigation.

“I consider them no better than the guy down the street who steals your wallet out of your pocket and runs away with 500 bucks,” concludes Sean. “That’s what they did. They ripped us off.”

At dawn one day, the Hanes family hit the road to Wyoming and a fresh start, hoping to put some miles between them and their bad memories of ICR.

Copyright 2002 CBS. All rights reserved.

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Information About Zrii Scam

5linx was founded within the year 200 In the initial years of its foundation, it flourished as a great firm for promoting its innovative telecommunications products. However, besides advertisements concerning the book, we also read a great deal about the pregnancy miracle book scam. They have designed a reputation as being one of one of the most popular training organization for networkers and home-business entrepreneurs, but not everyone is a fan of the HBSA. The important thing question is.

Finally, the education is based on personal interaction. However, medications are merely a temporary method of treating anxiety. It\’s more of the pyramid scheme wherein you\’re to produce money by adding members. When you are completely sure about its effectiveness, subscribe the Panic And Anxiety Attack ebook and relieve yourself in the problem forever.

But the great news is there are steps you can decide to try avoid being a victim. The Market America MLM structure may be perceived a bit different because there are approaches to earn money your organization and downline. These supply people searching for information valuable tools with proactol coupons which to a decision. If the reply does not seem to be professional, you might consider not working for them since the company could be a hoax.

First off, does the Home Business Success Academy teach what works? The principles are according to direct-response marketing, of using marketing that targets the masses, and is step oriented from attracting a fresh client to enrolling them inside your organization. Qivana Qore works in three phases stabilize, vitalize and optimize. You may have sudden bowel motions with cramping. Working from house is tempting, but keep a lookout for scam sites too.

Nigerian Scams (419 Scams).   Intimidation, thuggery, and much bloodletting were involved with bringing independent mining operations, as well as their output, under De Beers\’ control. Owing with their popularity plus some customers dissatisfaction to make money, 5linx scam has been subject to lots of discussion.   Not so with diamonds, though. It will be unwise you may anticipate miraculous results in such short duration.

Nigerian Scams (419 Scams). However, medications are only a temporary method of treating anxiety. While some have found it beneficial and have was able to conceive within a few months time, others refer to it as pregnancy miracle book scam. Hence, the only method to succeed is to attract those those who in true sense want to a fantastic and successful network marketing business.

Websites and resources like everything you might be reading here about is Market America a gimmick are. So, if a person enters this marketing plan without any guide, he may eventually find yourself making no money. Secondly, doing proper research on the internet can enable you to to be more aware about the truth.

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Moving Scams: How You Can Avoid Being Ripped Off

A ClixSense ReviewOn the net you will find many different ways where you can earn an extra dollar. And I don\’t say that from a perspective of your Marxist or perhaps an anarchist. I have traded stocks longer than I been employed a job.

Another way personal possessions are held hostage is when a mover does not deliver about the originally agreed upon terms. For the system to work, they have to throw crumbs off the table to the masses and promote a perception of freedom which opens a small window of opportunity for people who choose to consider it. If the organization can\’t take proper care of its equipment, how will it handle your belongings?.

Knowing your rights is helpful, and stay in mind, licensed movers are required to be registered and are also supposed to give customers using a copy of the Federal Motor Carrier Safety Administration\’s \”Your Rights and Responsibilities Whenever You Move\” while you might be inside the planning stages. . That attitude was driven does capsiplex work in the post World War blue collar era where most people worked to produce things. Unlicensed Illegal Operators.

So is ClixSense just another scam?.   Listen, instead, to how insulting to anyone\’s intelligence this commercial is. Apple has distinguished itself by being highly customer focused and putting a huge premium on delivering excellently designed devices towards the public. Apple has distinguished itself by being highly customer focused and putting a huge premium on delivering excellently designed devices to the public. I\’ve mentioned this to friends plus they have confirmed that they do the same thing and possess had the same results.

The latter happened to me.   In fact, the largest cut stone now within the world was found inside the rough at over 750 carats (around 150 g). It requires a large amount of practice to be good. Here are some of the best approaches to prevent the schemers:.

After all, moving will do of the stress, no one wants the extra aggravation associated using a scammer.   Really, the largest price that you simply pays with ClixSense site can be your time.   Once you reach payout levels, I have every indication which you will be paid.   You have absolutely nothing to lose, but remember, you just have cents to gain.

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HPV Warts And Wartrol

Using Wartrol For Warts

Are you looking to do you know how important it is to use Wartrol? Well permit me to be the first one to tell you there will be a couple of things you’ve to think of in terms of the method of the best way to use Wartrol.

To Begin With What’s Wartrol?

In situations when you don’t know already, Wartrol is in fact a homeopathic remedy created from ingredients which all have healing properties associated to genital warts. These components subsequently heavily diluted into a level safe for human bodily intake.

How Or When To Use Wartrol?

So as to use Wartrol, there various things that should be taken into consideration and they’re –

Always bear the spray head completely clean without bacteria. When spraying the remedy into your, it is important to make sure there are actually no unwanted bacterial diseases also entering in at the same time.

You should spray Wartrol below the tongue. The reason is is particularly if you spray ontop whatever the tongue you risk the benefit of intaking unwanted bacteria in addition to Wartrol remedy.

Attempt to not mix intake with any other substance. Even something as simple as water when taken with usage levels of Wartrol 20 minutes results intake, can decrease the effects it posseses found on the body. Therefore be certain to not ever take Wartrol with anything else.

So with reference to how to use Wartrol, in the event you happen to adhere to the guidelines remarked above you’ll be able to maximize the results no matter what the ingredients that comprise Wartrol.

Wartrol Results

Remember Wartrol user reviews this is definitely homeopathic remedy, therefore the ingredients are reliant on the ability to work efficiently with the level of dilution utilized in the remedy. If you mix the ingredients with some other substance, ie. Water, then it’s just obvious that a reduction in the consequences will result.

Wartrol Customers

When hight percentage of consumers speak about the benefits of using Wartrol, 90% out of them generally agree that the most effects are shown when Wartrol is taken an hour after eating. Therefore if you think you can get to handle this, you make see better effects within the long run.

Unwanted bacteria can enjoy a major effect in reducing the outcome of Wartrol on genital warts symptoms, therefore ensuring the spray head of the container is clean is very important. The last thing you would like to have happen is for an unwanted bacteria to approach the body in the Wartrol remedy and stop fast relief from symptoms.

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Is Proactol Diet Pill Safe

What Is Proactol?

As just a cursory glance at the joy of weight reduction tips and slimming capsules will show, there is no shortage of over-inflated claims and outright scams. With a lot of people desperate to burn bodyfat, it’s no shock that swindlers have boosted the weight loss bandwagon.

So what about Proactol? This fat-binding diet pill is very well known, after being put up on the cover a wide range of national newspapers, but is Proactol a scam? Let’s take a look at the evidence.

Proactol Plus Clinical Trials

The producers of Praoctol diet pill suggest that it’s “one of many few products available on the market that is clinically proven.” What’s the reason for this claim?

Many have seen several clinical trials conducted into Proactol plus. An important of these is a randomised double-blind placebo study which has been carried out in Berlin.

Participants were split into studies group and an effect group. The research group got Praoctol diet pill while the control group were given a placebo – a pill which appeared similar to Proactol but contained no active ingredient.

Neither the participants nor the researchers knew which participants were which, so there arised there is no chance of the outcomes being biased in a way.

The results this study were impressive to state the least. Proactol weight loss pill significantly increased how much fat which passed through the body without being absorbed, reduced the body weight and BMI of the investigation group participants, and increased their feelings of satiety, thereby reducing their appetite.

Other studies have confirmed that Praoctol diet pill effectively binds to consumed fat and results in letting it to go through your system without being absorbed, however the Berlin study was the first to show that this directly means a lack of body fat. This is the reason it is an essential study completed on Proactol up to now, and it is important proof that Proactol weioght loss pill is not a scam.

Proactol Weioght Loss Pill Testimonials

As well as the hard science of clinical studies, there is a large variety of testimonials from satisfied Praoctol diet pill users. Proactol has been applied by all kinds of people, from all fields, to bind fat and lose weight. There will never be a lot of happy users if Proactol weioght loss pill were a scam.

Guaranteed Results For Proactol Weight Loss Pill

The final bit of evidence in your Praoctol diet pill scam investigation might their be cast-iron money back guarantee. Simply use Proactol for four months and, if you are not pleased with the results, they will provide you with a complete repayment of this product price.

It is obvious that in case Proactol were a scam they might very quickly lose a lot of money from disgruntled customers claiming their money back. A particularly good way they might offer this a reimbursement guarantee is if their product worked as they claimed, as clinical trials have been included, but as large numbers of satisfied users have testified.

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Buy VigRx Plus Cheap

One of some great benefits of reviews of Vigrx plus is the truth that they work very fast. It is because after you have started with the use of a pills, the transition is immediate. For people who have used the pills, they’ve said that the merchandise can also work inside the first several weeks of usage. You therefore do not mean await prior to your mother starts to give praises regarding the best approach great you are in bed.

Another advantage of those male enhancement pills is the truth that they don’t pose any dangerous side effects. It is because results on increased size of a persons penis with none negative effects. This is largely because Vigrx plus ingredients compose of natural components. Due to pure and natural ingredients, Vigrx plus male enhancement pills do not pose any dangers after usage. It therefore implies that an individual will not have to to concern yourself with any diseases or any additional disturbances after bringing the pills.

How VigRX Works

Vigrx plus pills could have been clinically tested and proven over years. If you end up by utilizing the pills, you’re assured of success since you aren’t just performing an experiment but many lessons that is already tested and proven. That is why all of the people with ordered pills have seen tremendous change in the volume of their penis. This makes the product the darling of many as there is non recourse developing any problems afterwards.

Apart from Vigrx plus pills reviews stating that the tablets are as a great tool because they’re clinically tested, the pills are universal too. Which means that any person who is above the age of eighteen years and above can employ their products and experience great results. Therefore you shouldn’t be alarmed by the age as long as you possess the will to alter sex life.

Using VigRx Plus

Aside from increasing your penis, Vigrx plus also gives you consistency thereby making sex much more enjoyable. As you likely know, it is relatively difficult sign up for sex for long without consistency and desire too. Upon getting used these pills, you might be assured of consistent desire to make love with the person you love always. Which means you should have great sex results your mate as you are able to be able to play sex quite a while without losing desire.

You will find other advantages that Vigrx pills enhancement pills come with. For instance long and sustained erections are very essential for enhanced sex life. Other than long penis, there may be require for that penis to be long and hard in order to play the role well. Vigrx pills reviews have indicated that customers are very satisfied with the type of erection they get from the product.

User Benefits Of VigRx Plus

The peace of mind that you’re issued by the corporate will need to give much more confidence. As an example you are given the period under which you can test Vigrx plus pills results and make a decision whether go on with in the pills or not. If you take this product and you’re feeling that it is no longer working, you’ll be refunded your money after sixty seven days. This is additional assurance that you are on condition that the merchandise is highly effective to everyone. Therefore do not be afraid since your money will not get into waste if you feel that you do not get the value of your respective money.

Therefore if you feel that your penis is long enough, Vigrx plus pills testimonials can provide the solution. Under Vigrx plus reviews you will see how there are numerous individuals who have used the item and changed the volume of their penis. Why therefore should you sit there while there’s a chemical solution your short penis? It’s the perfect time to kiss goodbye to the times of ridicule from your woman and begin embracing praise and sexual satisfaction.

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Does Capsiplex Pill Function

Capsiplex diet pill is a completely unique new weight reduction tablet that organically integrates extract of Capsicum (red hot chilli pepper) generated a tiny content of extract of Black Pepper (Piperine), Caffeine and Niacin also known as the Capsimax Plus supplement formulation for maximum fat loss.

Capsiplex weight loss pill is medically verified to provide claimed results and is 100% organic. Capsicum extract’s strong fat properties happen to very well researched and profiled since their inception and only has Capsicum been designed in such a manner that it must be gentle and totally safe for slimmers taking daily.

Is Capsiplex Safe?

Capsiplex weight loss pill is formed to turbo charge the body’s metabolism, before, during and even with your physical exercising because of the punch packed via the fiery Capsicum extract. It is tested to assist to diminish bad cholesterol levels and blood pressure in organism, delivers more vital energy in addition to helping to diminish appetite.

Capsiplex Pill As Seen In Media

Exploding all around the media, this amazing and spicy solution to safe slimming has been revered by celeb stars and private fitness trainers who swear by this to keep up their svelte body shapes.

The producers of Capsiplex have formulated a singular outer shell layer that is specially developed to prevent the unwished irritation that Capsicum in this amount would typically cause so that it may be totally absorbed with your intestine with no pain, unwanted side effects or discomforts.

How Does Capsiplex Pill Work?

With Capsiplex supplement the body can burn a very impressive 278 calories (which is the same as 25 minutes of jogging or eating one hamburger) with daily taking of the dietary supplement and weight loss could be reached from the primary week of consuming Capsiplex pill.

There is no necessity for hard body training regimes as it doesn’t matter what foods you eat everyday or how frequently you run your workouts, burning fat might be reached, although as with all weight reduction tablet, body training is often helpful and beneficial.

Only 1 very simple to swallow tablet every day with a glass of liquid after you get up or 30-60 minutes before any body workout is all you need to get your system figure you could have up as yet only dreamt of.

About Capsiplex Appetite Suppressant

Capsiplex diet pill manufacturers also produce Capsiplex product that targets the problem in cooperation with calorie burner, it effectively works best for you your restricting food cravings by as much as 50% so you feel fuller faster after enjoying and less likely to have a snack. Capsiplex pill product or service if taken along with their calorie burning supplement will enhance your weight reduction results even further.

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Phen375 Review – How Fast it Works

If you want to slim down, and hastily, and you’ll surely be simply fed up with dieting with zero outcomes, then pick Phen375 pill. Phen375 weight loss pill does indeed work, and can verify a tremendous weight reduction of 3 to 5 lbs per week. Therefore why select Phen 375 pill over other weight reduction solutions available in the marketplace? The factors really are extensive, beginning with 2 primary issues. Phen375 results is proven to really work, and Phen375 isn’t costly, the producers even offering a money-back guarantee if you are not totally satisfied when using the product.

Phen375 Results

So why does Phen 375 weight loss pill work much more successfully compared to other weight reduction plans, or natural weight reduction solutions? Phen375 pill is the result of lots of years of research, and is manufactured on in Food and drug administration registered facilities, and has been shown to work. Check out the web site of Phen 375 weight loss pill to uncover how Phen375 pill really can work for you. Why pay money for costly diet shakes or gym memberships, or suffer cravings for food, when you would simply order Phen 375 weight loss pill today.

Phen375 pill is being inclusive of a blend of five enzyme boosters, and dealing altogether without chemicals, both accelerate the metabolic process and burning of fat, and likewise sending the mental performance messages that must be not hungry. This mimicking of messages, along with Phen 375 diet pill quality which enables it to end the conversion of carbs to fat in our systems provides for us a 3 in exactly why we should select Phen 375 pill over other diets.

Phen375 Ingredients

Phen375 weight loss pill does 3 things in a single, and, will certainly make you be ok with yourself, thus it is a four in one cited reason to decide on Phen 375 weight loss pill over other dieting plans, shakes, or pills. Phen 375 pill prevents the transformation of carbs into fatty acid. Phen 375 weight loss pill inhibits our hunger. Phen 375 tells us we simply aren’t even hungry. And Phen375 makes us feel great about ourselves, due to the accelerating our metabolic process. Thus four good reasons to give Phen375 a go.

Phen375 Rewards

And in case this actually still isn’t sufficient to convince that enable you to transfer to Phen375, then simply think about the fee, for just 1.82 every day, certainly you do not need more reasons! Simply look at the facts and you will realize that you would be foolish not to try Phen 375 weight loss pill. Producers are incredibly confident, they even give you a cash back guarantee!

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