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求助--关于CRA（creditResolutionAdvisor--a company from Texas)
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求助--关于CRA（creditResolutionAdvisor--a company from Texas)# Money - 海外理财
d*r
1 楼
博士读了一年，找到一个nonprofit的工作。圣诞前办好了CPT准备开学就去上班。不料
寒假期间又来一个offer，还是nonprofit，拒了第一个，准备从第二个。
现在如果在第二个单位用CPT，需要重新通过学校来办，学校恐怕会怀疑我要quit不给办
，而且也需要两周才能approve。所以我想不去第一个单位做intern，但是用CPT拖着，
来办premium h1b。不知道这样可行不？办h1b的时候看到我的I20上写着正在某单实习
用CPT，会不会去check?
第一次找工作，不太懂这些，请教大家，谢谢！
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w*g
2 楼
大家好，我想问一下有人知道CRA（CreditResolutionAdvisor)这个公司吗，有人用过
这个公司吗？
我的信用卡里面有2万的债务，这个公司给我发了几封信件说可以减免债务，我打电话
联系，说是他们可以和信用卡公司联系谈判，然后我可以只要还12000，还是3年里月付
400不到。
感觉好像天上掉的馅饼，怀疑他们是骗子，因为他们需要和银行谈判，所以需要各种银
行和个人信息。
敬请大家给建议。多谢了
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c*2
3 楼
You may need to register for the Spring semester in order to keep F1 status
valid. so your F1 change to H1 can be approved with I-94.
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g*e
4 楼
Do your math...
Assuming no discount rate
12000 + 400*12*3>>20k
even for 10% discount rate
12000 + 400*12*3/1.1>>20k
If you don't understand the calculation, wiki Time value of money

【在 w**********g 的大作中提到】
: 大家好，我想问一下有人知道CRA（CreditResolutionAdvisor)这个公司吗，有人用过
: 这个公司吗？
: 我的信用卡里面有2万的债务，这个公司给我发了几封信件说可以减免债务，我打电话
: 联系，说是他们可以和信用卡公司联系谈判，然后我可以只要还12000，还是3年里月付
: 400不到。
: 感觉好像天上掉的馅饼，怀疑他们是骗子，因为他们需要和银行谈判，所以需要各种银
: 行和个人信息。
: 敬请大家给建议。多谢了
avatar
d*r
5 楼
Thanks.
学校那边已经办了CPT，这个学期没有support了，注册学分可能要交学费吧。。不可以
用现有的CPT拖着吗？会有问题吗？

status

【在 c**2 的大作中提到】
: You may need to register for the Spring semester in order to keep F1 status
: valid. so your F1 change to H1 can be approved with I-94.
avatar
w*g
6 楼
不好意思，我没有讲清楚，是总共付13500，大概是374*12*3=13500
他们说他们和信用卡公司协商，把22000降到10000左右，然后他们赚的是13500和这个
10000之间的差价做手续费。
我觉得好像不值得相信。希望有经历的朋友能解答下，谢谢
如果是骗子，也希望大家能小心

【在 g*********e 的大作中提到】
: Do your math...
: Assuming no discount rate
: 12000 + 400*12*3>>20k
: even for 10% discount rate
: 12000 + 400*12*3/1.1>>20k
: If you don't understand the calculation, wiki Time value of money
avatar
F*S
7 楼
同问，CPT期间能不能申请H1b?

【在 d******r 的大作中提到】
: Thanks.
: 学校那边已经办了CPT，这个学期没有support了，注册学分可能要交学费吧。。不可以
: 用现有的CPT拖着吗？会有问题吗？
:
: status
avatar
g*e
8 楼
I doubt it's gonna happen. How many days past due of your account? Unless
the credit card company has recognized it as charge off and sold it out, I
don't think they will be willing to take a loss like that.
Whatever the arrangement with CRA, call your credit card company to confirm
before you sign or pay anything.

【在 w**********g 的大作中提到】
: 不好意思，我没有讲清楚，是总共付13500，大概是374*12*3=13500
: 他们说他们和信用卡公司协商，把22000降到10000左右，然后他们赚的是13500和这个
: 10000之间的差价做手续费。
: 我觉得好像不值得相信。希望有经历的朋友能解答下，谢谢
: 如果是骗子，也希望大家能小心
avatar
G*i
9 楼
CPT难道不用注册学分?

【在 d******r 的大作中提到】
: Thanks.
: 学校那边已经办了CPT，这个学期没有support了，注册学分可能要交学费吧。。不可以
: 用现有的CPT拖着吗？会有问题吗？
:
: status
avatar
g*y
10 楼
怎么攒了两万刀的信用卡欠款啊，这个不太好~
看着也不像神医……
avatar
G*i
11 楼
当然可以!

【在 F*********S 的大作中提到】
: 同问，CPT期间能不能申请H1b?
avatar
w*g
12 楼
多谢你。
我没有拖过，每个月还清，然后又欠。
我查了些信息，贴这里，很长，有兴趣的人可以看看，基本确定这个就是骗子，还好他
问我SSN的时候我就什么都没有说了，不然估计就惨了
希望如果类似情况，大家能直接忽略那些垃圾邮件（那些邮件看着挺吓人和诱人）
Credit Resolution Advisors Just Sent Me a Mailer. – Sumir
CRAisevil
The owners of CRA or CreditResolution Advisors should be arrested for
fraud and deceit.
I’m contacting the FBI.
The more people who contact the FBI, the quicker these guys will be on
the lam.
Jblittle40
Must be a scam. I received pink notices from them trying to renegotiate
A credit card balance that does not exist.
Tom
I should have checked this place first. I just made a complaint to the
Federal Trade Commission and the Better Business Bureau, probably won’t do
a whole lot, but I’m tired of their deceptive mailings making my heart drop
every time I see “Final Notice” in the mail. Considering the only major
debt I have is my truck and my house, I just want this crap to stop.
Ahart04
Tom, just call them and tell them to stop. They have to comply.
Lawprincess42
So glad I found this thread.Other postings confirming my suspicions.
A letter from CRA addressed to my mother looked like a collection notice
and knowing full well she doesn’t have collection agency worthy debt, I
opened it to see what it was. The way the letter was formatted disturbed me
. I called my mom ( she’s presently out of country, traveling through
retirement) told her I knew it wasn’t a collection letter but was concerned
nonetheless. She asked me to please try to get them to stop bothering her.
It seems they somehow obtained her cell #and have begun calling her
excessively.
After a few minutes,she then told me something very disturbing: when she
logged into her bank account, she found it to be grossly overdrawn.
Multiple purchases made mostly via telephone and a few online with her debit
card. She gave me one of the phone #’s listed on transaction so I could
look into that business, maybe find out something about the purchases- keep
in mind she is out of the country- When I checked the 800 #, surprise
surprise, it was issued to the Plano,TX address CRA utilizes! Interesting…
If I may address Ahart04- You may want to re-evaluate your own ignorant
proclamation regarding the sharing of personal financial information. Your
quote- “The information that leads you to reserve a letter is shared by
banks, and credit bureaus. This information is public…” You are so wrong.
Under the Fair Credit Reporting Act, “a credit bureau can only provide
this information to people and businesses with a legitimate right to obtain
it” And…. 3rd party sharing is limited to the assistance in conducting
normal business,or marketing institution’s OWN products and services FCRA
allows for affiliate sharing (other parts of the SAME corporate family) So,
unless CRA belongs to one of the credit reporting agencies, CRA cannot be
getting info there… Oh, and as for banks?? They DON’T share for joint
marketing with other financial institutions.

Ahart04
I’m sorry but you’re wrong. The banks and credit bureaus do share
this information. It is shared the exact same way as when you have patterns
if good credit. Why isn’t anyone on here upset that discover sent them a cc
offer with their name and address on it? Regardless of how upset it makes
you that companies can obtain this information. It is not illegal. You even
proved that in your quote directly under mine. Read it more carefully. Banks
an bureaus share this information because it is in their best interest to
do so. I never said that “banks share for joint marketing with other
institutions”, I simply said the information comes from them. Are you sure
your mom didn’t enroll in the program? And are you sure of this because
that’s what she told you? My friend is elderly and didn’t understand alot
of what was happening exactly with the program, however, they repeatedly
told her to call the cx service dept if she had any questions at all. She
probably called that number 100 times and said that that was what truly made
it a good experience. Maybe you should call that number and see what your
mom signed up for. If it’s a mistake, they will unenroll you, there’s no
contract or termination fee. What I said was not an ignorant proclamation,
it’s just hard for people to hear. No one wants their info public when it’
s bad info, only good. Sadly, it goes both ways.
http://DamonDay.com/ Damon Day
Ahart, you seem to spend a lot of time trying to defend the
actions of this company for someone that doesn’t have any financial ties to
them. So if I understand you, you are saying that the sales person signed
up your elderly friend even though she “didn’t understand alot of what was
happening exactly with the program?” And now it seems that Lawprincess’s
mother has experienced the same sales pitch (big on promises, short on
actual details)
Um…. sort of proves my point that these guys are just out there
going for the sale and not really educating the consumer doesn’t it?
Explain how convincing someone to sign up into a program that
they don’t fully understand is a good thing?
Ahart04
Because she saved almost 20 thousand dollars and was debt free
in 2 years instead of 30. That’s why. I love the lady but you can explain
to her something clear as day and just like some people, she will still need
to be told again and again.
Rvnus
Total scam
Ahart04
You all who think this is a scam, are wrong. Obviously you are
misinformed, but it is ok to understand why.
In 2005 when the debt settlement industry exploded, there were no
federal regulations moderating these companies. The industry sustained
terrible feedback from unethical companies and is still somewhat tarnished.
After the government stepped in with new regulations, in October of 2010,
the company changed it’s name for the second time to credit resolution
advisors. It’s first name change was simply due to the fact that the CEO
bought out his investors.
Back to 2010: federal regulations allowed debt settlement firms to
continue operating as normal IF they qualified for one of three exemptions.
The exemption that credit resolution advisors operates under is the
catalogue/direct mail exemption. This is was FEDERAL REGULATION. If it was
up to CRA, they would have rather stayed with their previous form of
marketing, which was mostly radio advertisements.
The company works wonders.
And is one of the few premier debt settlement firms that have made
it through the industry changes with integrity in tact.
ALL of the complaints here seem to be based on the direct mail
marketing strategy. No one has even commented on the service, which saves
Americans THOUSANDS of dollars off of unsecured debt balances. They
renegotiate balances of debt to lower your principal, and help you to set up
a special account to which you would put money in, in order to pay for
these renegotiated settlements. They can save you often times more than HALF
of your prinicpal. They do this because of bulk settlement processes. For
example: 1000 accounts with 1 million dollars in debt will be brought to an
institution and offered say, 600 thousand as a settlement. The company will
take 600 grand as they would rather have some money than none at all.
This company(s) has repaired over 200 million dollars for indebted
Americans over the past 6 years.
For those of you who say you have no debt, or are receiving the
letter unduly, consider this:
The information that leads you to reserve a letter is shared by
banks, and credit bureaus. This information is public, shared the SAME way
as when you receive a credit card offer for good credit. Only the letter is
sent because of delinquencies, raised interest rates, or patterns of minimum
payments and or financial hardships.
If you receive the letter and you have no debts, no medical bills,
and you have not cosigned for any credit, then please check your credit
report and make sure you are not a victim of identity theft or fraud. Many
people do not know their spouse has racked up 50k in credit card bills and
resort to bad mouthing the company for it’s letters.
Direct marketing is perhaps not the most attractive way reach
people, however, again, CRA was pushed in this direction by the
federal government.
This is not a scam. Those of you who are so quick to believe such
are just ignorant. It’s ok, I understand, but hopefully my post can serve
as a beacon of light to someone struggling with debt. This company aims to
help people, and does so in amazing fashion. I’m not saying that there aren
’t scams out there, but credit resolution advisors are simply not one of
them.
And if you think I can make all of that up, then you are not just
ignorant, but in denial as well. Just as many Americans are about the
severity of their financial situation. Take care and remember…this is not a
scam, but a legitimate, ethical, profitable, company that has helped and
continues to help thousands of American eliminate their debt and begin to
move forward.
http://DamonDay.com/ Damon Day
Serioiusly Ahart?
This is your best approach? I would think that the sales manager
would have advised you not to call consumers who are unhappy with your
service as nothing but ignorant and uninformed people.
The way your program is marketed is shameful in my opinion, and
for all those people you supposedly help, you didn’t mention all the
millions you made from the people that never received the promised help.
So please don’t come in here and offer some half truths and
call anyone who doesn’t believe you ignorant.
Ahart04
Ignorance isn’t a put down. By definition, it simply means that
you don’t have all of the information. And I haven’t addressed anyone who
has used the service, only those of you have been marketed to. It’s your
right to have the opinion that the marketing is shameful, but again,
government regulations gave few choices.
As far as the profits, that is only a good thing. Would you
rather hire a broke company? Or a profitable one. I know my answer. And who
are these people that never received the promised help? The company doesn’t
promise anything past the guarantee they have in place, and most of the
clients that don’t succeed in the program fail because they spend more than
they make. No one can get out of debt like that no matter who is ‘
promising’ what.
Also, please specify what you believe to be a ‘half truth’ and
I will provide reference to show you it is in fact full truth. To say I’m
giving half truths is just wrong. I’m not a spokesperson of the company, it
’s not my job to do damage control on negative press. Bi just noticed that
I was by far the most informed poster and decided to give my 2 cents. Most
above me including you have no true facts. Most are basing they’re
responses on emotional feelings. Again, I understand. It’s no biggy.
http://DamonDay.com/ Damon Day
Hello Ahart,
I understand. Perhaps things have recently changed along with
their name (which in in of itself raises a red flag).
I know the definition of ignorance, but that is not the context
in which you used it. Perhaps next time you should use the word uninformed.
Taken into context, any reader would assume your phrase was derogatory.
You mention a guarantee, can you tell me what the specifics are
on that?
Half Truth = Not telling the truth.
Please see
Credit Answers Runs Misleading Ad
Please post a copy of your contract for my review so that I can
have “the true facts”
Your website says that Credit Resolution Advisors provides Debt
Mediation. Can you please explain how this is different than Debt Settlement?
I look forward to your response.
Ahart04
ok, ill try to cover everything in order.
you think the name change raises a red flag. does it also raise
a red flag for these companies who have also changed their names?:
accenture
aol
google
ibm
healthy choice
kfc
LG
mcafee inc.
monster
nintendo
nissan
panasonic
pepsi-cola
sega
sony
sprint
starbucks
yahoo
or Gmac to ally financial….???
no? are all these companies bad because they have gone through
name changes? i’m just pointing out that you should be consistent with
your arguments.
ok, next. maybe youre right about using the word ignorant.
those who are unsure of the literal definition could take it as derogatory.
(sorry everyone! not the intention)
like i implied earlier, which i dont think you understood, i am
not an employee of the company, so to answer your question, i cannot give
you the exact guarantee. i BELIEVE it is something to this effect:
you will never pay more than what you owe to the creditor. for
example, if you owe 10k, and for some reason they arent able to settle for
enough (extremely unlikely), then you will never, with CRA’s fees included,
pay one red cent more than 10000. the fees from CRA will be waived.
there is also a money back guarantee but the time length and
guidelines for this i am completely unsure of.
i’m glad you defined half truth, but i asked if you could
specify which of my statements you thought to be half truths, or now by your
definition, are not true. i did not post any. im not on here to lie, but
tell my experience and the facts that i know from that experience. i hope
youre not just resorting to calling me a liar. no need to character
assassinate.
next, you believe CRAs direct mailing campaign is ‘misleading’
…I AGREE.
i have seen the letter and if you dont read it carefully, you
may think its from a debt collector or creditor, also, there is some
uncertainty surrounding the ‘deadline’. also, at a first glance, it does
look like a bill.
the purpose of the company however is not to mislead you. the
marketing department of CRA has one job: to get the phones to ring.
lets take a hypothetical scenario for example:
a lady calls in, because the letter misleads her, she is
uncertain why she got the letter, but she also knows she is 50k in debt.
after a few minutes on the phone, she is explained the program in depth,
finds out it can offer the assistance she has been looking for, and enrolls
in the program, becoming debt free after the length of time she chose to
enroll with.
the lady is saved approximately 40-60% of her principle, is
settled in full for 25k and after 2-3 years is completely debt free.
my question to you damon is, do you think the lady felt that a
few moments of being mislead was worth the outcome?
what if i told you, damon, that i would give you 10 thousand
dollars if you agreed to feel mislead for a few moments? would you do it? i
bet you would. hell, id go as far as to say you would do it for a thousand
dollars. id do it for 50!
the point is, damon, the letters, although misleading, SERVE A
PURPOSE.
again, im not an employee. i do not have a copy of a contract.
also, i do not specifically know the difference between debt
mediation and debt settlement. i cant imagine why that would be relevant
information, though. i do know that what CRA does is debt settlement. if
the word mediation is used on their website, they must intend it to have
similar meaning. (im assuming)
to be honest damon, it really just seems like you’re trying to
go tit for tat now, the whole reason i initially posted was because i wanted
people to know that it simply is NOT A SCAM. i posted because the first
entry i saw said ‘definitely a scam’. then i read on
as more ‘uninformed’ people rallied together on a bashing
party.
a family friend of mine was over 40k in debt. she was enrolled
into the program and ended up debt free after 2 years, and paid only 24
thousand dollars TOTAL. this includes the fees from CRA. does this sound
unreasonable? she was brought to tears when explaining to me how they
helped her. she showed me the letter and encouraged me to call to help out
with my debt problem.
when i called in, i got all the information i possibly could.
that is where the bulk of my facts come from, along with some online fact
checking done before these posts. i was unable to enroll in the program
because my entire debt load was less than 7500 dollars. they only accept
those with debt loads above 7500.
the company is not a ‘scam’. plain and simple.
thanks for reading.
http://DamonDay.com/ Damon Day
Wow, that sure was a big mouthful for someone that supposedly
doesn’t work for or have any financial ties to this company. So you know
all this about this company just from a sales call and some online research
huh? Funny, my online research tells a much different story.
Maybe I should have clarified the name change raises a red flag
comment.
How about if a debt settlement company known for charging high
upfront fees and having a very low success rate, multiple attorneys general
inquiries and actions, an F BBB rating with 159 complaints, problems with
deceptive advertising, angry customers popping up all over, and an online
reputation that only a mother could love, suddenly changes its name, It is a
red flag.
If this is actually their guarantee then the only thing that
comes to my mind is what a croc of sh**. You are supposed to settle the debt
and your guarantee only kicks in if a client actually has to pay back more
than they owe in the first place? Wow, this makes me feel all warm and cozy.
You guys seem very confident in your abilities.
Half Truths – like the company works wonders or the company has
repaired over 200 million dollars for consumers (whatever that means).
Um, did you just say:
I agree that the mailer is deceptive, the purpose of the company
however is to not mislead people, but the marketing department has one job,
to get the phones to ring.
So what you are saying is that the company purposely misleads
people to get the phones to ring, but it is not their purpose to mislead
people? Further how would you know what the purpose of this company is since
you have never worked there but only called in for a chat with the sales
guy who I am thinking wouldn’t be the most forthcoming about any company
short falls.
If you are asking me if tricking someone into thinking they are
calling into a government program just to get them on the phone under the
guise that this is a government sponsored debt relief program and then
having an “ignorant” (your word right?) sales person sell them a debt
settlement program under the guise of offering a financial consultation is
ok, the answer is, it certainly is not ok and the fact that you think it is
exposes a huge problem in this industry.
Again you have not seen the financials of this company, how do
you know how many people they have helped vs the ones that paid fees and
didn’t get the promised help?
Let me give you an example of a half truth that will make it
clear what these debt settlement companies do every day. Bernie Maddoff was
a genius and helped so many people get rich. He is awesome I don’t know why
anyone would say anything bad about him.
Tell me what is wrong with that statement and you will figure
out what is wrong with yours.
Ahart04
Wow Damon. I’m surprised by you. Turns out ladies and gentleman
that Damon is actually self employed as a personal debt consultant. He has
his list of trusted debt settlement companies that he can refer you to for a
discount. Clearly you will get kickbacks from these companies for the
referrals. It sounds to me that you’re just selling against the competition.
And consider this:
His two afilliate companies
New era debt solutions, and Donaldson Williams BOTH charge
higher fees than CRA. 17% for new era and and 15% from Donaldson.
Oh and that’s right, new era used to be called DTS! They
changed their name? How shady right Damon?
And BBB?? Ha please. BBB is not consumer driven and you know it.
Ratings are based on how much money the company throws at their LOCAL
organization. CRA clearly doesn’t pay off their local BBB.
Unhappy customers? What business do you know that works with so
many people had zero unhappy customers? You can’t please everyone and when
you cant it doesn’t make them a bad company.
I don’t think you’re a bad guy Damon. I admire that you are
passionate about your work, which is helping people, but I would have
expected you of all people not to badmouth the competition simply because of
a few stray marks. Your Trusted DS companies aren’t perfect either, I have
read several complaints on both of them as well.
You make money off of the people you help too. You should be
advocating the industry And focusing on letting people know that there are
many helpful companies, not just the 2 that pay you, instead of wasting time
trying to sting others.
http://DamonDay.com/ Damon Day
So Sad, yet So predictable.
You act as if you discovered some secret that I am a financial
consultant. Uh, my name in every single comment links to my website that
tells everyone exactly what I do.
I appreciate the fact that you took a look at my website and
have rolled out the red carpet for me to explain why every single consumer
should call me before they call a debt settlement company.
If you are going to read my website and presume to know how my
business works, I would advise you to actually spend a little more time and
get the details and then you would not have to remove your foot from your
mouth in such a public setting.
1. I do not get kickbacks from New Era or Donaldson Williams for
referring clients to them during a phone consultation. Instead what I do is
ask those companies to pass the referral fee on to my client in the form of
a discount off their fees. (ouch didn’t see that coming did you Ahart)
2. New Era’s fees are not higher than Credit Answers when you
factor in the discount that my clients will get.
3. Donaldson Williams charges 17% of what they SAVE A CLIENT,
NOT OF THE TOTAL DEBT, so their fees will be about half. (oops, here is a
towel for the egg on your face). With my discount the fee is even lower.
4. I don’t tell people to sign up with them, I simply recommend
that they be among the companies that are shopped if in fact they feel the
need to hire a debt settlement company. I don’t work for them. I work for
my clients.
More often than not, I tell my clients what they need to know to
resolve their debt on their own, but if they would like to hire someone,
than those are two companies that look out for consumers and should be among
the ones researched. I don’t mind at all if they compare my
recommendations to Credit Answers or any other company. It isn’t my
decision. My job is to give them the best information based on my knowledge
and experience.
5. Unhappy customers? How do you reconcile the fact that credit
answers was charging most of their fees upfront when a majority of the
clients were not achieving the promised result? The problem is not the BBB.
The problem is your business model. If you would like to discuss why Credit
Answers was running a scam front loaded fee structure until the FTC forced
them to stop, I would love to hear your thoughts on how this was a good
thing for consumers.
6. Neither New Era or Donaldson Williams front loaded their fees
, even before there was a law, they were doing things in favor of their
clients even at a time when the industry was just out right ripping people
off. That shows something about the character of the business owners. To me,
character matters, and I am sure it matters to consumers as well. I think
they might want to know about companies that didn’t rip them off even when
it wasn’t illegal.
7. I am not in competition with any debt settlement company. I
am poking holes in your ”Credit Resolution Advisors is a great company
theory” because quite frankly, calling consumers ignorant when I know what
this company has been doing to them for years just really pissed me off.
Notice on my website it says “Honest Programs I trust.”
Instead of dodging, please explain why I should tell a consumer to trust a
company that admittedly misleads them to get their phones ringing, and ran a
bogus front loaded fee program that was designed to maximize profit
regardless of how bad it hurt most of their clients? Please give me a reason
why I should tell people that this is a good company?
8. I do make money by helping consumers. They pay me directly
and I work for them, which is a nice breath of fresh air. To think they can
actually have an advocate looking out for them for a change and helping them
figure out how to resolve their situation without stuffing some sales pitch
down their throat for a one size fits all debt settlement plan they
probably don’t need. And by learning the truth they get to save thousands
of dollars and actually get a plan designed for them that takes into account
all of their unique life circumstances. How great is that?
If any consumer reading this would like an actual consultation
from someone that is in business to tell you the truth vs sell you a program
feel free to contact me at DamonDay.com
Now Ahart, how about an answer to my Bernie Madoff question
please? Why would he not be considered a good guy even though he made a lot
of people rich?
Ahart04
You sure are reaching Damon! As I visualize us here going back
and forth in this public setting, I see myself calmly telling an experience
I have had as a consumer, and I see you as a red faced ‘pissed’ off
spinster who is running out of things to throw at me. (As if I deserved any
of them.)
You have resorted to saying ‘croc of shit’, ‘foot in your
mouth’, and ‘egg on your face’. That’s just great, it sounds to me like
you’re getting personal, and its clear that anyone resorting to such is
clearly running out of sound arguments.
The reasons that I highlighted your profession are this:
The companies you are affiliated with operate similarly to CRA.
One has even had a name change, which many including you have made such a
fuss about.
Your affiliate companies charge high fees, with or without your
referrals, just like any other.
This is the main FACT: by being affiliated with those companies
, you have INCENTIVE to badmouth the ones that you do not work with.
This fact cannot be rebutted. It is what it is.
–
If there is one thing that is getting annoying, it is how you
repeatedly imply that I am an employee or representative of the company. I
have posted my testimony as a CONSUMER. That is all. Nothing you say or do
can change the experience I have had. It has already happened.
Even after I have repeatedly told you that I don’t work for CRA
, you still try associate me with them. You have said ‘your sales manager
’, ‘your company’, and ‘your sales model’. You even drew a completely
false conclusion and got caught up in your own rubbish by saying :
“Instead of dodging, please explain why I should tell a
consumer to trust a company that admittedly misleads them to get their
phones ringing, ”
When did the company admit this to you? I SAID THIS. I am not
the company. This is my opinion of their marketing department and my
explanation of the nature of the letters, which is the main hooplah of this
thread. Let me make it clear again I’M NOT AN EMPLOYEE. YOU REPEATEDLY
ASSOCIATE ME WITH THEM TO DEBASE MY TESTIMONY. In telling you what I think
about the marketing program, it is honestly me conceding the point to you,
just like I have conceded with the ‘ignorant’ statement.
What I don’t understand is this. You want to poke holes in my
“CRA is a great company theory”. That’s fine, you have poked holes, in
some ways I have agreed and in some ways I have not. I am not here to
proclaim that CRA is 100% perfect in way, but you strangely seem to argue
the flipside, that they are unethical, a scam, and operate illegally. It
seems so strange to me that you concede nothing, even after hearing my
experience. I understand that you have your experiences, I recognize that.
But you in no way recognize my experiences and resort to attempting to make
me look stupid for telling this forum the experiences that I’ve had. What
gives you the right? That is precisely what this forum is for, and by
being so sure of yourself that all you know is right and all I know is wrong
, it makes me think you have an ulterior motive. Again, your position
creates incentive for you to badmouth other companies you do not work with.
If you ever convince me that CRA is a scam, then you have also
convinced me that you and everyone else in the industry is as well. You all
operate in a similar way. Your whole website is a sales pitch just like
the ones you despise from CRA. Personally, I don’t think there’s anything
wrong with a sales pitch, but you seem to have a problem with the fact that
CRA has one. Donaldson’s website,(your affiliate), has a sales pitch as
well. It is ‘we don’t need a sales pitch’. That’s a sales pitch.
You tell me that I haven’t seen the company financials and ask
how I can say that more people are helped than not.
Have you seen the financials? What proof do you have that
allows you to blatantly say that the ‘majority’ of customers are not
helped?
You can sit here and spin things any way you like but the simple
fact remains. My experience of the company is that they are a good,
legitimate company, who did exactly what they said they would for a friend
of mine. You won’t seem to recognize that. Why?
And by the way, your Bernie Madoff analogy is just silly. They
don’t correlate. Bernie Madoff broke the law. He went to jail. What he
did was illegal.
CRA doesn’t break the law, the executives were not sent to jail
, and they do not operate illegally. It doesn’t make any sense to
correlate the two, so you didn’t “get me”, the way you were so sure you
were going to.
http://DamonDay.com/ Damon Day
Well, alrighty then. Consumers can read this thread, get my
point of view, get yours, do some quick google searches on Credit Answers
and then decide whether or not they would like to hire them.
I am fine with that :-)
Black Mage
Definitely a scam. I have no debt yet received a “Second Notice”
letter when there was never a first. Talk about a poorly planned scam. I
think maybe I should use my black hat skills and pay their system(s) a visit
so that all the information they have is redirected to a certain 3 letter
gov’t. agency.
concerned citizen
I just got a letter to and googled it to see what it was about, that’s
how I found this here. I am so glad I did, if anyone figures out how to opt
out of ever hearing from them let me know! Thanks!
Shorelady11
How do I get this company to stop sending me letters?
Livinluv
I have never been talked to like the rude customer service rep talked to
me. He would not let me talk and called me “queen credit” and proceeded
to try and “sell” his service. I asked him to take my name off the mailing
list several times and he still proceeded to ignore my request and call me
queen credit…horrible customer service!
upset
Amazing to me how you tell people that you will not hurt their credit.
That is so not true. Shame on you. The one thing is if you have taken
personal information and the client decides not to do you program. It should
be easy to get out of immediately. No questions asked. If this is a scam
believe me the Better Business Bureau will be notified.
msnhra
better business bureau is paid by companies to be on their good list
. It’s a form of advertising themselves. Not helpful to the consumer
http://www.finallyfast.com/ Ascentive
OMG I am so glad I cam across your site. I get letters from
Credit Resolution Advisors every couple months. Now I wanted to check
them out more and glad I did.
My shredder is going to be happy.
Thanks!
~Anja~
PClaus
I was so mad after receiving their “final notice,” I called them, and
told them to please stop sending me this, as I don’t have any credit card
balances like the ones they are suggesting. Unless, they are buying up
information about my student loans, which I suspect….
DR in Tallahassee
I am so glad to see this website. I just ripped up their “final”
notice to me.
LC
Good lord! I’m so glad I read these. They won’t stop sending me
notices and it can look a little intimidating the way they send it. It’s
practically harassment.
TheMagus
Thankful to yall. I was convinced it was a scam. The wife
thought it was legit and got me thinking I might have some debt I don’t
have…
No_owe
Am constantly receiving mail from them advising they can help with my “
debt” except I have no debt. They have my name, a supposed account number,
approximate amount of debt I owe, etc. After reading the comments I can
assure you it’s a SCAM
Kfard
is this a scam?
Hesper79
So glad I checked here. These people have been bugging me for months
now, won’t take no for an answer and refuse to identify the name of their
company when directly asked. I guess after reading the rest of the posts
here, I can understand why.
http://profile.yahoo.com/NRKFPA5OZLDZVI7CURVPAS2RHE Helmuth Moltke
Anyone able to inform us of who owns this company and their address or
the addresses of their family members would do a public service to post same
here. These scum should be made to pay with threats to the security of
their OWN family–if not direct retaliation. Making money this way should be
grounds for deportation or a re-education camp regime until basic decency
is instilled.
Davidsonpuckett
I kleep getting trash mail from you and I line my bird’s cage with it.
Thanks for the paper.
Guest
Steve,
Insider here, and it’s absolutely the same firm at the same old
location. They have that address to throw people off, and I heard the top
rep made $150k last yr.! To confirm just compare the careers tab on both
sites and you’ll see they are the same. It;s common for DS firms to do this
swith-a-roo.
http://GetOutOfDebt.org Steve Rhode
LOL, I checked and you are right. The careers link on
CreditArbitrators takes you to the CreditRestoration employment page. Now
that’s funny.
Insider
Credit Answers to Credit Arbitrators to now….Credit Resolution Advisors
Steve,
Credit Answers to Credit Arbitrators to now….Credit Resolution Advisors
http://GetOutOfDebt.org Steve Rhode
Interesting. I notice that Credit Resolution Advisors is also
located in Plano, Texas but at a different address than Credit Arbitrators
and Credit Answers.
They described themselves as “CreditResolution Advisors, LLC is a
premier debt settlement company”
Credit Resolution Advisors
6860 Dallas Pkwy
Suite 200
Plano, Texas 75024
800-201-9344
They also go by CreditResolution Advisors, just like
CreditArbitrators and CreditAnswers.
I also see where they are running a help wanted ad in which they say
their top sales people make $100,000.
Can anyone else confirm they may be related to or the same company?
CRAisevil
Steve, this is a very evil company that must be brought down
CRAisevil
You’re a true hero Cryptblade!!
confirm
avatar
d*r
13 楼
不用呀
full time intern

【在 G******i 的大作中提到】
: CPT难道不用注册学分?
avatar
d*r
14 楼
能啊，我现在是申请到了CPT，没注册学分，但是没去实习。。不知道可不可以拖着

【在 F*********S 的大作中提到】
: 同问，CPT期间能不能申请H1b?
avatar
c*2
15 楼
if you did not enroll in Spring and you don't finish your degree program, In
the future, USCIS will consider 2010 fall as your last semester as F-1. So
if you intend to file I-485 adjustment of status in the future in EB
categories, you better reenter again with H1 visa in the future before you
file I-485, otherwise your I-485 may be denied.
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