Posted on: 15th Jul, 2008 10:23 pm
Is it true that Sifxpert, aka James Lombardo, Debtxpert has closed his forum and stolen from his clients. My girlfriend told me something about him not communicating with his clients for the past 3 months and it all finally came to a head when clients realized that money taken from their accounts had never been paid to the credit card companies.
Yes I have. I have not heard any news yet but been off this for a bit. Let me know if you do.
I've been following this myself and i'm sorry but something just doesnt add up here. i enrolled with 124k in debt with james in oct last year. i just made my final payment to citibank which was a majority of my debt along with bank of america. i paid only 30,500 approximately and settled all of my debt. 67k was bank of america which was settled for 6000.00 even less than 10%. before posting this, I contacted each creditor who confirmed all settled accounts and balances.
all along working with james he had been very truthful and friendly with me. 2 things that have me in total disbelief of all of this is that i have been enrolled with james for nearly 12 months now and i have paid him 500.00 total. i will be making payments towards his fees of course for the next year but if the man was hard up for cash or was getting what he could from everyone and running then why hasnt he even mentioned a single word to me or not settled each account which btw were all settled within 5 months and from what i have read were difficult accounts to settle.
The monies used for settlement were held in my special account which james had access to from day 1. by the 5th month, mostly all was used to settle the first 6 of 7 settlements and i have been making payments on my citibank account since then.
i'm sorry that there are people who feel they were burned and very well may have been but speaking from first hand experience, i was given an estimate to settle my debts and the job was done for less than the original estimate and in far less time. 1 year, 124,000 settled.
the first time i spoke with james i requested his credentials which brought up the topic of american liberty financial which he claimed to have left for not being paid and having bounced paychecks every other week and the owner of the company getting in trouble for some online pharmacy business and being put in jail or facing serious jail time. he also mentioned that the company was draining their clients "trust accounts" to the point where there was no more money to settle accounts. if you search this forum, you will find posts from 2007 or 2006 and on rip-off report from clients of american liberty financial who have complained that money had been taken and no settlements were ever made.
the reason i ended up in such debt was due to a failed business or better yet, failed business partner who also walked away with money. having this in common, i asked to see the lawsuit his lawyer had filed to compare notes but moreso to see if what i was being told was in fact true or did he just try to use this as a way to make a sale.
his lawsuit is exactly how he described it to be from bounced checks to returned checks paid to some pharmacy for a few thousand dollars which were noted as loans in addition to salary and commissions unpaid for over 6 months.
a lawsuit was also filed against james by american liberty financial which he explained the owner accused him of soliciting his clients or stealing clients.
so, after the last week or two of reading what everyone has to say about this, i am still at a loss because no doubt, there are some very angry people, so there has been something going on so i am not supporting either james or "ALF". having done business with james and doing my homework on him which by searching different forums, you will find 1000's posts dated back from early 2004 from james offering free advice to people to settle their own debts, no solicitations and not a single negative comment until only recently. I've always believed that a liar always lies and a thief can never help themselves. In the past year, everything i've been told seems to check out.
As for American Liberty Financial though, I have found posts on sites dating back to 2006 and 2007 where people have shared their experiences and none of them have been positive. In fact, the posts are all the same types of events james is being accused of as recently as July of this year. Everything that has been said about the owner of ALF, Elaine Sorrells has also checked out. The woman is facing some serious jail time on 8 felony charges of conspiracy and drug charges. Apparently, she paid 10,000 for the name of a dr. to write phony scripts to sell steroids.
Again, I dont mean to appear as though I am taking sides here but I would like to caution anyone considering working with ALF especially if you are in panic mode since this is the worst time to make such a serious decision. The facts are facts and ALF has had a terrible reputation for several years now and giving the benefit of the doubt on the drug charges and conspiracy, I seriously doubt that the AG of NY State is completely off base but even if 8 counts is reduced or some dropped, even 1 of those felony charges will earn you 1 year in prison.
Last, i read a post obviously written by someone from ALF who claimed to be an ex client of james say that he was sleazy for trying to lure in ALF clients after being fired but I must say it seems awefully hard to believe that this post was anyone other than the owner of ALF since ALF filed a lawsuit against james accusing him of doing exactly the same thing taking clients from ALF. Following the story from July til now it all started as james turned into a thief over night from a consumer advocate and stole hundreds of thousands from hundreds of clients yet til this day, no lawsuits have been filed and no arrests made only loads of anonymous posts from people claiming they were ripped off and on sites that are monitored so the same people with too much time on their hands are not duplicating the same posts like rip off report where there are only 4 or 5 posts. Having read the complaint james has filed against ALF and by reading what others have had to say i could certainly believe that the majority of this drama is fueled by ALF being hit in the pocket with their pending lawsuit.
ALF and its owners/owner in my opinion are the real scavengers here. Its not bad enough that they employed someone for over 6 months who has clearly proven to many people for many years very knowledgeable and helped 100's or 1000's of people and not paid him but bounced checks and then fired him as they say and to add insult to injury, come on to this forum and post bogus comments about how they were robbed too to lure in his clients as if they are here to save the day?
His attorney should subpoena the ip addresses of all of the posts on this site slandering him. I would bet that are only a handful. 4 or 5 from different states for those who have valid issues and the rest from Delray Beach Fl.
For those who have been effected negatively I sincerely do apologize and hope that you receive the help you need but there is obviously a motive to offer free help here but its not to help you its to help ALF hurt someone that they hurt already and by causing such a stir, their hopes are to manipulate as many clients as possible from james or put him out of business entirely out of spite. Not to say this is entirely one big hoax but if it were, many people would be running to other companies or doing this on their own and getting sued or settling higher than what we know james could have done. My bank of america settled for less than 10% and citibank for 33%. When i was shopping around i spoke to many companies who refused to accept both accounts because they had too many clients sued by them.
Someone had posted on another forum how easy this is to keep your money safe. Have your company negotiate your accounts. send you a settlement letter and you pay the bank yourself. if you open 2 accounts and pay your company from one the banks from the other you deposit exactly the amounts for fees and settlements and no one has access to your money.
all along working with james he had been very truthful and friendly with me. 2 things that have me in total disbelief of all of this is that i have been enrolled with james for nearly 12 months now and i have paid him 500.00 total. i will be making payments towards his fees of course for the next year but if the man was hard up for cash or was getting what he could from everyone and running then why hasnt he even mentioned a single word to me or not settled each account which btw were all settled within 5 months and from what i have read were difficult accounts to settle.
The monies used for settlement were held in my special account which james had access to from day 1. by the 5th month, mostly all was used to settle the first 6 of 7 settlements and i have been making payments on my citibank account since then.
i'm sorry that there are people who feel they were burned and very well may have been but speaking from first hand experience, i was given an estimate to settle my debts and the job was done for less than the original estimate and in far less time. 1 year, 124,000 settled.
the first time i spoke with james i requested his credentials which brought up the topic of american liberty financial which he claimed to have left for not being paid and having bounced paychecks every other week and the owner of the company getting in trouble for some online pharmacy business and being put in jail or facing serious jail time. he also mentioned that the company was draining their clients "trust accounts" to the point where there was no more money to settle accounts. if you search this forum, you will find posts from 2007 or 2006 and on rip-off report from clients of american liberty financial who have complained that money had been taken and no settlements were ever made.
the reason i ended up in such debt was due to a failed business or better yet, failed business partner who also walked away with money. having this in common, i asked to see the lawsuit his lawyer had filed to compare notes but moreso to see if what i was being told was in fact true or did he just try to use this as a way to make a sale.
his lawsuit is exactly how he described it to be from bounced checks to returned checks paid to some pharmacy for a few thousand dollars which were noted as loans in addition to salary and commissions unpaid for over 6 months.
a lawsuit was also filed against james by american liberty financial which he explained the owner accused him of soliciting his clients or stealing clients.
so, after the last week or two of reading what everyone has to say about this, i am still at a loss because no doubt, there are some very angry people, so there has been something going on so i am not supporting either james or "ALF". having done business with james and doing my homework on him which by searching different forums, you will find 1000's posts dated back from early 2004 from james offering free advice to people to settle their own debts, no solicitations and not a single negative comment until only recently. I've always believed that a liar always lies and a thief can never help themselves. In the past year, everything i've been told seems to check out.
As for American Liberty Financial though, I have found posts on sites dating back to 2006 and 2007 where people have shared their experiences and none of them have been positive. In fact, the posts are all the same types of events james is being accused of as recently as July of this year. Everything that has been said about the owner of ALF, Elaine Sorrells has also checked out. The woman is facing some serious jail time on 8 felony charges of conspiracy and drug charges. Apparently, she paid 10,000 for the name of a dr. to write phony scripts to sell steroids.
Again, I dont mean to appear as though I am taking sides here but I would like to caution anyone considering working with ALF especially if you are in panic mode since this is the worst time to make such a serious decision. The facts are facts and ALF has had a terrible reputation for several years now and giving the benefit of the doubt on the drug charges and conspiracy, I seriously doubt that the AG of NY State is completely off base but even if 8 counts is reduced or some dropped, even 1 of those felony charges will earn you 1 year in prison.
Last, i read a post obviously written by someone from ALF who claimed to be an ex client of james say that he was sleazy for trying to lure in ALF clients after being fired but I must say it seems awefully hard to believe that this post was anyone other than the owner of ALF since ALF filed a lawsuit against james accusing him of doing exactly the same thing taking clients from ALF. Following the story from July til now it all started as james turned into a thief over night from a consumer advocate and stole hundreds of thousands from hundreds of clients yet til this day, no lawsuits have been filed and no arrests made only loads of anonymous posts from people claiming they were ripped off and on sites that are monitored so the same people with too much time on their hands are not duplicating the same posts like rip off report where there are only 4 or 5 posts. Having read the complaint james has filed against ALF and by reading what others have had to say i could certainly believe that the majority of this drama is fueled by ALF being hit in the pocket with their pending lawsuit.
ALF and its owners/owner in my opinion are the real scavengers here. Its not bad enough that they employed someone for over 6 months who has clearly proven to many people for many years very knowledgeable and helped 100's or 1000's of people and not paid him but bounced checks and then fired him as they say and to add insult to injury, come on to this forum and post bogus comments about how they were robbed too to lure in his clients as if they are here to save the day?
His attorney should subpoena the ip addresses of all of the posts on this site slandering him. I would bet that are only a handful. 4 or 5 from different states for those who have valid issues and the rest from Delray Beach Fl.
For those who have been effected negatively I sincerely do apologize and hope that you receive the help you need but there is obviously a motive to offer free help here but its not to help you its to help ALF hurt someone that they hurt already and by causing such a stir, their hopes are to manipulate as many clients as possible from james or put him out of business entirely out of spite. Not to say this is entirely one big hoax but if it were, many people would be running to other companies or doing this on their own and getting sued or settling higher than what we know james could have done. My bank of america settled for less than 10% and citibank for 33%. When i was shopping around i spoke to many companies who refused to accept both accounts because they had too many clients sued by them.
Someone had posted on another forum how easy this is to keep your money safe. Have your company negotiate your accounts. send you a settlement letter and you pay the bank yourself. if you open 2 accounts and pay your company from one the banks from the other you deposit exactly the amounts for fees and settlements and no one has access to your money.
it's a shame that people turn for help to others who only rip them off. does nobody realize that the best person to look out for the best situations is oneself?
who better to take care of the things that need to be taken care of than the one who created the situation to begin with? it baffles me to see people blow money on these repair/settlement/relief outfits every day. somebody's getting rich and it isn't the people with the debts to be paid off, that's for sure.
and to think that there are plenty of us in the lending field who are willing to work with clients who have severe challenges of that sort all the time, for nothing more than satisfaction and the hope that the client will come back to us for a mortgage once all the bad stuff has gone away.
yes, i know i could have chosen a different field to work in and become a ripoff artist like the one mentioned above, but there's no way i could live with myself if i had.
who better to take care of the things that need to be taken care of than the one who created the situation to begin with? it baffles me to see people blow money on these repair/settlement/relief outfits every day. somebody's getting rich and it isn't the people with the debts to be paid off, that's for sure.
and to think that there are plenty of us in the lending field who are willing to work with clients who have severe challenges of that sort all the time, for nothing more than satisfaction and the hope that the client will come back to us for a mortgage once all the bad stuff has gone away.
yes, i know i could have chosen a different field to work in and become a ripoff artist like the one mentioned above, but there's no way i could live with myself if i had.
If anyone knows how to contact James Lombardo please let me know ASAP! I signed a contract with him in December/2007 and provided funds for him to settle two accounts but have heard nothing from him since March when he told me that I should expect all accounts to be settled within 30 days. I anyone has knowledge of his whereabouts, please reply! If he is legit, then he has nothing to fear. I am out of no less than $11000.
well looks like this man james is doing something fishy out there. Maybe just another fraud case!
Thanks to him, I have been sued by Capital One and they won! They filed suit against me in April of this year and he said he would take care of it and get it dismissed. I receive notification that the courts favored on behalf of Capital One because I didn't show up for the court hearing. When I contacted the courts, they said, they never received anything to dismiss the case. So James lied to me and screwed me big time.
I trusted him with everything... What a low life scum!!!!!!!!!!!
I trusted him with everything... What a low life scum!!!!!!!!!!!
James Lombardo got me also....thank the good Lord above I had a feeling something was not right, so he only got me for 3k. It cold have been a lot worse because I had just rec'd a settlement. Anyway...what is everyone doing about this? Do I hear the word "class action" lingering anywhere?
I was trying to email yet ANOTHER message to James, when the email bounced back. I immediately got suspicious, and omg I was right!! Tomorrow I will definately be calling my state Attorney General to make a complaint against him. I now have several judgements, a few charge offs, and I lost around 2k. I cannot believe this is happening. ***For the Sifxpert Guest above is clearly James...: Hi JAMES, you scum liar. Just wait until the law catches you...and it will happen.
Just wanted to warn everyone that he is still trying to scam people. He has changed his website to sifxpert(dot)NET..., instead of .com.
What a scum. If you're in here James... LOOKS LIKE YOU SCREWED WITH THE WRONG PEOPLE.
What a scum. If you're in here James... LOOKS LIKE YOU SCREWED WITH THE WRONG PEOPLE.
I went on to that website that Jeni (above) gave out. She's right! I attempted to email him through the "Contact Us" link in the website. Look at the response I got. It was headed "Vacation Response"
Thank you for contacting Sifxpert for your debt consultation. Unfortunately, this email account is no longer being used. Please resend your request for debt assistance to "james@debtxpert.com" and we will reply at our earliest convenience. To expedite the process of providing you with the best detailed description of our program, please include the names of each of the cards you would like to enroll as well as corresponding balances and dates of your last payments. If it has been some time when you paid your bills and do not recall the dates then just provide us with any information you have and we will contact you if more information is necessary prior to your consultation. We look forward to speaking with you. James Lombardo Executive Director
[Email address deactivated as per forum rules. Thanks.]
Thank you for contacting Sifxpert for your debt consultation. Unfortunately, this email account is no longer being used. Please resend your request for debt assistance to "james@debtxpert.com" and we will reply at our earliest convenience. To expedite the process of providing you with the best detailed description of our program, please include the names of each of the cards you would like to enroll as well as corresponding balances and dates of your last payments. If it has been some time when you paid your bills and do not recall the dates then just provide us with any information you have and we will contact you if more information is necessary prior to your consultation. We look forward to speaking with you. James Lombardo Executive Director
[Email address deactivated as per forum rules. Thanks.]
This is in fact a big ad forum for American Liberty- DO NOT DO IT- I was clients with them and they are in the saddle with Mr James Lombardo- Both companies are complete scams and do not do what they say they will do. They take your money, forge documents, and lie to customers. Both companies are in big legal and financial trouble. Stay away, they stole almost $10,000 from me and didn't pay any of my accounts!!!
said it before, will say it again, over and over. when one wants to work on their credit, to eliminate debt, etc. it can be done far far better by oneself than by "hiring" a scam artist who will take the money that might have been used to pay those specific bills and run away.
there are legitimate companies who will assist in this effort. i can name one specifically, but i would rather not be known as a tout for them. i don't mind giving it out to anyone who asks specifically, though.
there are way too many of these companies out there - either in the "debt counseling" or "debt repayment" or "loan modification" business. pick one of those and you'll find they are populated in large part by outfits that have no business working with the public.
there are legitimate companies who will assist in this effort. i can name one specifically, but i would rather not be known as a tout for them. i don't mind giving it out to anyone who asks specifically, though.
there are way too many of these companies out there - either in the "debt counseling" or "debt repayment" or "loan modification" business. pick one of those and you'll find they are populated in large part by outfits that have no business working with the public.
I told my husband this was a scam, you don't stop paying and ignoring creditors. He fell for it and lost 500.00. I wrote a complaint letter to him and it came back in the mail. I would love to get ahold of him and get his money back
I'm sure he does google searches of his name and will probably find this message board post, so maybe he will change his name thereafter.
But, what one of you who had $ taken by him needs to do is to set up a sting and get your police department (or maybe your bank and the feds) involved. Say issue a check(with your bank's knowledge) for an account that does not have any money in it. And then find his accont and get his account frozen. May not work because he probably has flush account where $ is deposited--then disperesed throughtout other shell company accounts...
But, what one of you who had $ taken by him needs to do is to set up a sting and get your police department (or maybe your bank and the feds) involved. Say issue a check(with your bank's knowledge) for an account that does not have any money in it. And then find his accont and get his account frozen. May not work because he probably has flush account where $ is deposited--then disperesed throughtout other shell company accounts...
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