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How do you spell debt relief? Certainly not DebtPro 123, LLC

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If you’re looking for help to improve your financial situation, the last thing you need is a company that will take you out of the frying pan and into the fire. And yet that’s just what an Irvine, California-based debt relief operation did to some consumers.

The operation claimed that consumers could reduce the amount they owed by 30 to 70 percent, and promised that they could “become debt free and enjoy financial independence” in as little as 18 months. It didn’t quite work out that way.

In fact, the Federal Trade Commission has charged DebtPro 123 defendants with billing people as much as $10,000 based on deceptive claims that it would provide legal advice, settle debts, and repair credit in three years or less. Instead, the scheme often left consumers worse off than they were before. And although the operation promised to refund unsatisfied customers, it rarely did.

There are signs that a company that promises to help you manage your debt may not be on the up and up. Avoid any organization that:

  • charges fees before it settles your debts
  • tells you to stop communicating with your creditors
  • guarantees that your unsecured debts can be paid off for pennies on the dollar

If you need help dealing with debt, contact a credit counselor. A reputable credit-counseling agency should send you free information about its services without requiring you to give details about your financial situation or pay any money before they provide services.

Blog Topics: 
Money & Credit


Periodically, I receive a call from a debt relief agency. When I inform them that they must register with the Utah Division of Consumer Affairs, they hang up without leaving their name, supervisor's name, or name of their employer. I am aware of the state and federal laws on this subject. I just am sorry for those people taken in by these scams. I commend the FTC for bringing action against Debt Pro 123 LLC.

I use company in Florida to help me. Total nightmare huge mess and they change their company name twice. Don't use any debt company not worth it

I'm not surprised to say the least!

Got caught up with one that charged before and then told me crap after. Always avoid ones that have two people on the phone, one will tell you a line of crap and then the second one starts recording the call. Always avoid dealing with the ones that have the two. When they switch to the other hang up immediately.

When I got injured I used the technique that these agencies had promised. I negotiated the amount of loan amount to third of the amount I owed, and paid it off. I am injured and lost the capacity to work, so the settled for one third of the amount I owed. I don't know if that will work for normal people.

I recommend not trusting any of those so called help with debts or lower your interst rates scams I keep getting a credit card hardship one supposbly from the federal government in the mail and i't is a 99% chance it's a scam ! My advise is to bite away at what you have until your done paying it period because you can count on the fact that if you got assistance from somewhere there would be tacted on fee's that you would not realize until later when you realize your paying bigger payments or a longer term time than you would of! The only true help would be to go bankrupt !!!

I have been getting emails from a credit company that tells me they can make my credit report better and other things.I think they are a scam as well and I love your website Federal is awesome,thank you so much.

Isent you a letter about my money being stolen from me.The company is JACKSON HUNTER MORRIS AND KNIGHT AND YOU ARE NOT DOING

- Is there any update with the case against Debt Pro? I've followed up with the officer that is also investigating the case for Debt Pro way back in June, 2014 and everything is still in process. Is there any updated information because I'm hopeful that the people that worked and operated this company will be persecuted and justice will be served for the customers that trusted them. I'm also hoping to get my money back because I worked hard to pay the monthly payments that I paid Debt Pro. Any information will be highly appreciated. Thank you!

Me and my wife got into Debt pro service about 4 or 5 years ago. We paid them more than $10,000 to settle our debts which at that time are really making us behind our mortgage and other living expenses. There were about 10 accounts we gave them and they were able to settle about 5. The problem now is we don't know what happened to the other accounts as we can't get in touch with them; phone looks like disconnected, no response from our emails. Now there's one account that went to a law firm (collection) and is now in court as a complaint. They are asking us to pay the whole amount owed. We don't know what to do. Need some help or information of what is the best action to take. There is a subpoena asking for our appearance in court but we called the law firm (collection agency) and ask them about it and they said they will check if Debt Pro is still our representative though we told them already that we can't contact them, that it seems they are no longer in business. So we need to know what is the best action to take? Is there a way to get information?

If you received documents from a court, pay attention. You may need legal advice. You could also get help to deal with your debt from a credit counselor. A reputable credit-counseling agency should send you free information about its services without requiring you to give details about your financial situation or pay any money before they provide services.

PENNY- Which Florida company?

They are fraud and I hope they end up in jail

Could you possibly give me information on 2 credit relief companies? instafinancial (Irvine, CA) and also LendingClub (San Francisco, CA)

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