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Friday, October 05, 2007


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Fantastic post. I got many important information from this post.

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All men are liable to error; and most men are, in many points, by passion or interest, under temptation to it. What do you think?

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The motivation to succeed comes from the burning desire to achieve a purpose. Napoleon Hill wrote, “Whatever the mind of man can conceive and believe, the mind can achieve.”

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Hi my friend: he need help with a cease and desist letter to a collection agency. he paid the bill over 6 years ago and they're telling me he still owe even with the proof I've paid! What do he do and/or does anyone have any examples cited with some sort of legislation in regards to this??

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hi! thanks for the information on this blog! I think too useful and interesting! I love makeup! among my favorite MAC Heatherette line is fabulous!

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This will be fun I will see what my UNCLE can do I will ask what the U.S. Attorney General can do. I will prepare a document with all the details. Federal agents will be looking into the background of everyone on the board and anyone else connected with this organization. Move quickly is the only advise I can give you or try not to run off before someone can come and get you. Thanks your friend The Don of the OC.

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Hardship Letter Sample #1

Creditor Name
Phone Number
RE: Hardship Letter for (address of home)

Dear Sir/Madam,

I am currently experiencing a financial hardship because of(explain your hardship here: business failure, medical bills, loss of job, death etc)

Due to my (decreased income or increased expenses) which started (date) I am not able to meet my payments for my original loan.

For your convenience I have included some paperwork which will substantiate my current situation.


Proof of Income
Late Notices
Bank Statements
Medical Bills
Tax Forms
(include any paperwork that will help substantiate your situation)

I understand my responsibility to repay my loan and have been a loyal customer to (your lenders name) for (length of time you have been with the institution) I am asking for a loan modification. Specifically, I would like to lower my monthly payments to (calculated amount) which is 31% of my gross income. (alternatively you could ask for a short sale agreement, loan extension, fee forgiveness etc)

I am certain my financial hardship will only be temporary. In fact I have taken the extra steps of (getting a second job, reducing my monthly cable/phone/internet bill) and am confident with a mortgage modification I will be able to make my monthly payments on time every time.

Please contact me with any questions at your earliest convenience; (phone number).

Thank you for your time.


your name


phone #

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Fantastic post. I got many important information from this post.

Kim smith

I too am impressed by the legal knowledge this Blog has tapped into. If a company cannot be transparent in it's membership pricing and seven year restrictions up front what else will you find out after the fact. Some of the good comments are rather like authors who rate their own books - a bit over the top in praise and carefully avoiding the negatives others confront immediately.


Did anyone notice that the original letter from the law firm, is using a standard Microsoft Office letter template?

I hate to say it, but that doesn't reflect a high dollar law firm, which one would expect someone as large as DirectBuy (and who threatens to sue in another country as well) to have access to.


Ok, allow me to retort! I'd like to play devil's advocate since these comments seem predominantly one sided. I do want to make it clear that I am in no way affiliated with the bully-scheister morris's firm or the highly questionable directbuy suits.

Since I'm too lazy to check, does the infomercialscam site provide verifiable references to prove the victim's claims? If so, wouldn't that be enough to avoid this (potential) lawsuit? And if not, does/shouldn't it disclaim that non-vetted posts are opinions and are not verified? (I get the impression that there should be a good mass of solid evidence to put forth.)

Just because an outfit is probably actually a scam does not mean all claims against it are legitimate! Without hard evidence, we can't truly be certain that the accusations are (all) true. Even if there's a great many of them, that doesn't prove fact, it just proves people like to jump on the bandwagon.

The reason I make this point is simple - what's to prevent claims of scams upon *legitimate* companies? If all you need is a computer and an internet connection to attack and sully an actual honest outfit (again, i'm *not* saying directbuy is honest!) then honest companies are in danger from unscrupulous rival competitors and the occasional disgruntled consumer who is perpetually never satisfied and may not be bound by rationality. (read: 'loopy'.)

The other thing I noticed is that the scheister is right, there does seem to be a lot of people making claims re copyright law and legal issues that may be based on their assumptions and not actual legitimate knowledge of the law. So to those people, disclaim your posts if you are just 'guessing'! And 'emptors' should always be wary of un-vetted legal advice from the random anonymous!

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Two things are required to counter nonsense like this; intelligence, and the free and open exchange of ideas. The power of this scam is that it takes advantage of the expected ignorance of its target. The hope is that this meme sends Donald Morris and his ilk back to ambulance chasing.


Is it the lawyer's fault?

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Sort of funny that the super lawyer wrote "inciteful" (not a word) when he apparently meant "insightful." However, in my opinion, and I do not state this as fact because I know no facts (but I am not writing this with utter disregard for the truth either because I do not know the truth), the word "incite" could be, maybe, appropriate.
BTW, you do not have permission to read this because it is being "copywroted" right this minute down at the firm.

Arnold Judas Rimmer, SSC, BSC.

"John W. Dozier, Jr, Asshat."

Fixed it for ya...

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