World Wide Financial Service

The man I talked to today was by far THE WORST and biggest JERK I have delt with to date in collections. First, the man I spoke with lied and told me that, "If you settle your account with us it will drop off your credit history completely." and when I confronted him with the fact that they were reporting an inaccurate date of first deliquency he said, "We are allowed BY LAW to report that as the date we purchased it." LIAR!!! As specified in Section 605 of the Fair Credit Reporting Act, this time limit is based on the date of the ORIGINAL delinquency. I told him that I would do my research and call back. When I later did and told him that was not true, he SCREAMED at me and said, "Ma'am, I am NOT going to argue this with you... its too close to the holidays" and HUNG UP ON ME! I tried calling back but my call was picked up and hung up. Called again from a different number, got the same man... I told him that all I was wanting was my bill from the creditor and he told me to call them (in the rudest way possible might I add). Then when I copped an attitude he had the nerve to call ME rude. Yes, jerk... I was rude... because YOU are the biggest DB I have ever encountered. BE PREPARED , I know my rights as a consumer and debtor and ALL 3 credit bureaus have already been contacted. What you are doing is ILLEGAL and you are in deep doodoo. You should have just cooperated with me before I took action against your company.



DO NOT FALL FOR THIS COMPANYS LIES... KNOW YOUR RIGHTS AND ALL DETAILS OF WHAT WILL REALLY HAPPEN BEFORE YOU SETTLE WITH THIS COMPANY.



SIGNED,

YOUR WORST NIGHTMARE!!!

I would like to give these D-bags zero stars. These guys are rude and incorrigible. Wannabe private investigators, who purchase your bad debts from financial institutions for <20¢ on the $. Then they harass you and every one you know until they get you to agree to pay. Then they aggressively and repeatedly abuse your credit report. They can and most likely will take you to small claims court, which will negatively affect your credit for 7 years, if you don't pay. But they will not and cannot have you arrested, terminate your employment or anything else they will threaten you with. My advice is to document all correspondence with these guys and file complaints with the state attorney and the FTC. While you have a debt, you are entitled to be treated compassionately and respectfully and these are two things you will not experience with these guys. They are not affiliated with the BBB, however, their rating is F. Be sure to do your homework before you agree to anything with them.

The company is not legally registered as a corporation or LLC entity in the State of Texas. They only recently obtained their mortgage bond from State of Texas in 3/2010, which means they have been performing collections without the proper certifications. The company is also owned and operated by a person who was a convicted felon and is currently under investigation by the FBI. No felon is allowed to own and operate a company that reports to your credit agency, per US Federal law.

I owed wells fargo A LOT of money, they called me and asked me if I would like to settle my account. At first I thought that they were just some ruthless bill collectors who wanted my money, but these guys were actually interested in helping me get out of debt! I think that they settled my acccount for about 75% of what i had owed. they did a very good job and I really would reccommend them to anyone.

The man I spoke to was very friendly and made my account settlement very smooth. Who new fixing your credit could be this easy!!