Complaint Review: American Bankruptcy Centers - Miami Florida

You were very right and correct to compare the two individuals and companies. They are one in the same doing the same con under different names. I was just wondering what ever happened to him and how he fell off the radar after all I went through getting him investigated by the DOJ prosecutor's office. So now I have some fresh information to provide them. He never appeared in court to defend himself or his actions, he never paid the court ordered sanctions and looks like he never stopped running his scam. But I am still working on meeting him face to face along with Ms. Claudia Montalvo (or whatever name she is using these days). The court order forbade him from filing any documents on behalf of others in the State of Florida. Unfortunately, the internet is not restricted and I don't know how else to get the word out. I am considering starting a letter writing campaign to all of the bankruptcy courts in the United States and sending copies of the court orders from California and Florida. The court order is public record should anyone ever need it for evidence in their own case against these people. It was filed in the Middle District of Florida Honorable Judge K.Rodney May. Hope this helps.

American Bankruptcy Centers prepares bankruptcy forms on the Internet --- it's as simple as that. There's no conspiracy. There's no "scam". We get information from our customers, run their credit reports, sort through all their debts and then prepare their official bankruptcy forms. If someone wants to check the public bankruptcy court records, you will see that we regularly prepare bankruptcy forms in virtually every bankruptcy court district in the U.S. By law, our name and taxpayer id. # is listed on every bankruptcy that we prepare. So you can check it out if you want. We also get repeat referrals from county legal aid offices. We prepared emergency bankruptcy forms for a customer in Kara's hometown of Indianapolis just yesterday. But all it takes is just one person to spread all over the Internet that you are a "con artist" or a "scam" and you're out of business. We work extremely hard day and night just to keep up with our very heavy work load. We know that all it takes is just one unhappy nutball to spread all kinds of rumors about our business on the Internet. We do not prepare bankruptcy forms for some customers and then "scam" the rest. It's extremely frustrating to work so hard and have people tell the whole world that you are a "con artist" and a "scam" because they didn't receive their bankruptcy forms (about 60 pages long) as fast as they wanted them. I know bankruptcy attorneys that charge $2,000 for a bankruptcy that have not filed the bankruptcy a year later. But we are the scam artist? People are naturally skeptical about doing business on the Internet in the first place. And then they see our ad on the Internet for a bankruptcy for $195 when everyone else is charging $1,200 - $2,500 or more. So the first thing out of their mouths when they call us is "Is this a scam?" Imagine if every day you go to work you have to listen to people call you up and ask you if your business is a scam. We're sick of it, but we do understand. The reason we only charge $195 is that non-attorney bankruptcy preparer fees are restricted in each jurisdiction. In one district in Tennessee, we can only charge $50 for preparing an entire bankruptcy. Of course, the law in that district has probably not been updated since around 1942. Statistically, at least for our business, the people that typically spread these types of "fraud' accusations on the Internet are people that have been evicted at least two or three times, have numerous charged-off debts, have numerous court judgments against them, and have written numerous bad checks. That's why they want their bankruptcy prepared so fast. And it's also why they have to go to Bank of America to pay for their bankruptcy in the first place because their bank account is overdrafted and shut down. Otherwise, they could pay over the phone for their bankruptcy with a valid bank account. We don't send people to pay at Bank of America because that is our normal form of payment --- we do it because they have no bank account from which to pay us. But we are the scam artist? If you have ever done business on the Internet then you probably already know it's pretty tough because there are, quite frankly, plenty of nuts that will file a complaint about your business at the drop of a hat. They do it to just about every business they come in contact with. And when they do, that's pretty much the end of your business because anyone that looks you up on the Internet thereafter will see that nut's complaint and not want to do business with you. We already learned about using last names on the Internet. When nutballs get your last name they write all kinds of stuff about you on the Internet -- like you are a "con artist" or a "thief", etc. so all of our friends, children and the world can read it. Sorry, but we just don't do it. Anyone that does business on the Internet should not use their last name, either. Sure, we get valid complaints from customers. We're not perfect. I don't know any business that is. And not everyone that complains is a nutball. But people are just so quick to call you a fraud if they don't get their bankruptcy forms as quick as they want them. We give a 3-4 day estimate. We can prepare emergency bankruptcy forms in 1 day if there's an emergency. But that is just an estimate. It doesn't mean we're a "con artist" if it takes an extra few days. Some bankruptcies have complications and sometimes we are just extremely busy. Maybe one of us is sick. If you are getting an entire bankruptcy (about 60 pages of forms) prepared for $195 you'd think that a customer would be a little appreciative, but that's not usually the case. By the way, our headquarters is in Miami (as specifically stated on our website), but we do have bankruptcy preparers in other locations such as Jacksonville. Didn't know that was fraudulent. Kara, we understand your suspicions, but hope you understand that we simply prepare bankruptcy forms and we mean you no harm. We make money by preparing bankruptcy forms --- not from stealing $195.