Perverted Credit

I feel the need to recap who I am and why I feel passionate about consumers being violated in the credit industry. It is necessary because depending on who you ask about me I am either good or bad. And this strikes me as funny because there is absolutely no “in the middle” of what people think of me.

            If you ask a consumer who was once my client the majority of them will tell you that they trust me and knew that I was on their side. The reason I say “majority” instead of “al” the clients is because of course the Colorado attorney general told me not to complete the work on the rest of my client’s files; even the ones that paid for the services. I tried getting the Colorado attorney general to allow me to at least complete the files but they absolutely refused to let me. I cannot imagine that these particular clients would think I was on their side; even though I not only was but still am.

            However if you ask any credit company ranging from Citibank, Bank of America, collection agencies or any of the three credit reporting companies they will absolutely say how badly they hate me and give a story; like the Colorado attorney general ken Salazar, laura udis and paul chessin did to make me look as though I was a criminal. But there was one thing the Colorado attorney general either forgot about or did not think I would piece together and that is the DORA report. The DORA report is like a bogus agency that reviews certain government agencies to see of they are doing their job. DORA stands for the Department of Regulatory Agency. The report dated October 15, 2007 states that during the year 2000 to 2001 the Colorado attorney general failed to investigate many of the complaints that were filed because of a “personnel” problem. That personal problem is easy to assume was me. I filed complaints to the Colorado attorney general’s office every time I saw a violation by a collection agency to that client. I must have sent on average of one hundred complaints per month. Only to have laura udis and paul chessin tell me they were not going to investigate. Nothing better than having the Colorado attorney general tell consumers where to go when the agencies they are to regulate break the laws to consumers.

            Nonetheless; the whole lawsuit took a toll on me hard and although I knew I did nothing wrong it was hard for me to accept. I later found the judge that granted the lawsuit in um; shall we say in bed with cheesin and udis. I never had my chance to be heard but that is ok. Just when the Colorado attorney general thought they would be getting rid of a thorn in their side I AM BACK. I am stronger and smarter and I will fight for consumers rights. Today’s credit industry is absolutely awful and I cannot sit back and continue watching consumers be told to bend over. Ken Salazar – you never should have made senate. You are truly one awful politician who runs an illegal office. People will learn about you because I will tell them. Colorado will in fact find out about your ties with the collection agency industry and you will have a lot to answer. The truth always comes out in the end.

My name is Joey and I was a consumer advocate for several years for consumers whose rights were violated by creditors such as banks; credit card issuers, collection agencies, the credit reporting agencies and even the Colorado attorney general. I ran Credit Corrections out of Wheat Ridge, Colorado for several years but was shut done by the Colorado attorney general because I was doing the work the attorney general is paid for by our taxes but unfortunately – the Colorado attorney general does not do their job.

For example; the Colorado attorney general is supposed to “govern” third party collection agencies. Third party collection agencies are the companies that “original” creditors send unpaid accounts to attempt to collect debt. The third party collection agencies are who the Colorado attorney general is to govern; but in fact they do not. The Colorado attorney general’s office goes after businesses or people who actually care about the consumers and the consumer’s rights, the little people. The reason for this is simple; money. When Salazar was in office Salazar had two motives for not going after violating collection agencies. One; Salazar was endorsing Colorado small businesses. If Salazar actually did his job and defended consumer’s rights over half of the Colorado collection agencies would have been shut done according to law. Second; Salazar had a few family members (nieces and nephews) working as third party collectors that were/are some of the worst violators. If Salazar did his job and defended consumer’s – then his third party collector “family” members would be out of a job.

Many years ago the Colorado attorney general shut my business down. As I stated I was a consumer advocate for consumers whose rights were violated by creditors; collection agencies, etc. I cleaned up my client’s credit report by working each account individually directly through each creditor. If the creditor violated my consumer’s rights – I had the debt alleviated – if there were no violations – my client was told to settle the account. There was absolutely NO scam in my business; Credit Corrections. Scam companies do not offer 100% money back guarantee and work 80 hour weeks. Laura Udis and Paul Chessin from the Colorado attorney general’s office (both of which are habitual liars by the way) reviewed my files and both had stated to me; “Oh ya – you (Joey) definitely do the work, there is no question about that”, as each client file showed the proof of the work that was done. This investigation literally sat on hold from the Colorado attorney general’s office until the Colorado attorney general received a notice from the law firm that was representing me stating I no longer had representation due to lack of funds. The day after the Colorado attorney general’s office received this notice the attorney general called me and told me to go into their office to sign some papers. I went down to the Colorado attorney general’s office and was told by Laura Udis and Paul Chessin if I did not sign an AOD (Assurance of Discontinuance) and pay them (the Colorado attorney general) $10,000 then I would go to jail. I was alone and no longer had legal representation and being a single mother of three girls this scared me. I was reluctant to sign but obviously did not want to go to jail.

Of course the $10,000 was not paid as I was no longer able to sign any clients. The next time that I heard anything on this was on the following Christmas Eve when I received a phone call from a former client telling me I was in the newspaper. Wow – now I had a judgment (apparently I was served but how this was possible when I was in the hospital for several months at the alleged time of service is beyond me). The Colorado attorney general and collection agencies go hand in hand do they not. Let us use every possible “illegal” means of making someone look bad or to collect a debt. I do not know who Ken Lane is but apparently he knows me. Ken Lane released an article stating Credit Corrections was a scam and that I even told people to get new social security numbers. Um – no; I do not think so Ken. Where did Ken Lane get his information; oh ya – Paul Chessin and Laura Udis; the honest people that work at the Colorado attorney general’s office. The people that actually do their job and go after third party collection agencies that violate consumer’s rights…. NOT. On top of the outrages lies the Colorado attorney general stated about me – the Colorado attorney general even got a judgment for things that Laura Udis and Paul Chessin said where in place; cancellation notices, surety bond EVERYTHING except 1 thing that I will still admit to today; I was not a 501-cs non-profit organization. This is something that Udis never stated I had to do when I called her and asked her what I needed to do to open Credit Corrections and stay legal. Something else that “scam” companies do when they open a business; call the Colorado attorney general to see what needs to be done to stay legal.

After I got out of the hospital I received a notice in the mail from Lexis Nexis regarding this alleged lawsuit so I filed for an extension showing proof of the hospitalization but for some reason; the judge turned it down. Is this judge in bed with the Colorado attorney general? Who knew?

Everything the Colorado attorney general did to me took its toll and it has been a long hard road, but I am back and going nowhere. I will fight for consumers in the credit industry and not even the Colorado attorney general will stop me. I did try a few years ago to sue the Colorado attorney general for failing to do their job and “screwing” consumers sort-to-speak. Unfortunately the case was closed because I am not an attorney.

Currently I am in the midst of completing my bachelor’s degree and had just sent in my applications for law school. The violations I have seen done by creditors to consumers gave me my passion to go to law school and try and make a difference in our corrupt credit system.

I am also finishing my book teaching consumers everything they need to know about credit and what their rights are. Every day people do not know how to read law or where to look and this book will lay everything out in an easy to understand “how to defend your credit rights”. I will do everything it takes to teach consumers what creditor, collection agencies, and attorney general’s do not want consumers to know.