Integrity Debt Relief Group SCAM / FRAUD

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christine
User offline. Last seen 3 years 19 weeks ago. Offline
Joined: 11/26/2008

CLUE #1 that they're 200% FRAUD:

I couldn't find ANY information about their location.  Most likely, they just take your money and run.

I just listened to the audio sales pitch at http://www.integritydebtreliefgroup.com/ -- it sounds so GOOD!

But aside from clue #1, before you send your money, consider this:

Their ploy is based on the FALSE assumption that the terms of the contract can be changed through small print on the back of a check.

Lenders usually provide a DIFFERENT address for disputes and any correspondence other than payments.   Integrity Debt Relief Group cites the checks ATT, HSBC and other LEGAL scammers send you and when you SIGN the check to deposit it, you AGREE to sign up for some crappy service.

HOWEVER:

  • Banks and most businesses do NOT sign any checks prior to depositing them. They NEVER see the new terms.
  • No existing contract exists for the offers YOU sign up for when you sign and deposit those checks.

You CAN NOT change the contract terms with a bank just because THEY can change the terms.  

The BANKS can change the terms because they STATE so in the initial contract.  There is absolutely NOTHING in the contract giving YOU the right to change the terms.

Is it fair? Absolutely NOT!  

Unfortunately, most judges don't care about what's fair and the American government is OWNED by the bankers.

HOWEVER, it can't hurt to write in the MEMO field and on the back of your final payment to a bank prior to defaulting that depositing the check is considered payment in full.  While many debtors got sued and creditors and collectors PREVAILED in court after "restrictive endorsements" were held to be NOT enforceable, you might as well try it. 

There is NO need to pay  Integrity Debt Relief or any other scammer, you can do this yourself.  

STATE LAW determines how likely it is that you'll prevail.  

If nothing else, it'll give you something to argue if/when you get sued.  How much are bankers going to pay attorneys to fight legal battles?  If you line up your ducks, you respond with affirmative defenses and counter claims and you submit your discovery requests, they might just dismiss. It happens.

You might even get a judge who is sick of the bank fraud or just doesn't like the bank's attorney.  There's always a chance that you'll prevail, just be realistic and take it for what it is: an opportunity and NOT a sure thing.