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The Mission of
Doug Johnson,
Debt Relief Advocates

To dispel the myths and misinformation surrounding the mortgage and debt relief industries, and provide truthful, factual, unbiased information and legitimate options to people who are struggling with debt and mortgage payments.

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Scam Stories

Looking for specific scam stories about companies in your area? Search our Scam Database by Company Name or City:


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Scam Story: EMS

In May of 2011 heard from a friend about a company that could help us with our foreclosure proceedings possibly save our property if not possibly get us a nice cash settlement from the bank. The company was EMS and the person we dealt with was Rebecca Alexander. We were told if we put up $3000. and joined there program, we would know within 7-10 days if we had a …read more »

Scam Story: CMS (Consumer Mediation Services)

We signed up for a debt discharge program under CMS in August 2009. We paid $ 4900 to put approximately 11 credit cards balances totaling approximately $180,000 into the program.(90% of that balance was associated with trying to keep our business afloat).  We had been struggling to make the payments, but we were doing it, and had never been late. Then the credit card companies started increasing our interest rates …read more »

Scam Story: EMS

EMS failed to refer my case to the Attorney that I contracted with for 2months.The Attorney never did receive my case therefore my mortgage accelerated with out me even knowing it.EMS is guilty of Fraud in the first degree.Furthermore,the Attorney never contracted to receive cases from EMS.

Scam Story: ABM Mitigation Services

Two years ago I found a company called ABM Mitigation Services. They sent me a flyer in the mail that said they were involved with a “Government Program” that would provide relief to people with high-interest mortgages. I called them and was given the sales pitch for their company; they had a money back guarantee, meaning if they were unable to get a modification for my loan, they would refund …read more »

Scam Story: American Dream Restoration

This company (American Dream Restoration or fight4thedream) owner FRANK J ROSA advertises to stop foreclosure, reduce monthly payments, restructure your debt, restore your credit, teach how to manage money, plan for your financial future, protect your family, and do loan modifications. their rep Michelle Spence is at first very sweet and understanding on the phone. she sounded like they could help me do a loan modifications. she said they have …read more »