Clear violatior of the FCRA Mr. Marcus and Mr. Smith are clearly violating the Fair Credit Reporting Act. This company sent me a mailer. The mailer contained my current revolving debt level, which they could have only gotten from either one of the credit bureaus, a data reseller, or theft. The credit bureaus and resellers are required by the FCRA to put in my file the names and addresses of every ultimate user (called "end-users" in the law) of my consumer credit report. Neither "321Loans, Inc", nor any of the other companies owned by Mr. Marcus and Mr. Smith appear as end-users on my bureau reports. Which means, unless "321Loans" stole the info, someone's lying to the bureaus, which is a violation of the law. More to the point, any time you send an unsolicited mailer using consumer credit information (like overall debt levels), you must include on the mailer the disclosure required by 15 USC 1681m. That didn't appear on the mailer from them. That's illegal. Don't trust a place like this, they don't follow the laws they claim to know so well. Hopefully, they will soon meet the fate of their fellow scammer Michael Ainbinder and his "Golden EG Ventures LLC".

Just what I needed I was in quite a bind with interest rates on all my open accounts until I considered consolidation. 321 Loans INC definitely helped me get out of a big mess. Carmen Sansom, Rita Daniel amongst the other considerate, informative and kind staff at 321 helped me get my life back on track and away from worry and frustration. I now just pay one bill for all those accounts. Thank you 321 for all your services, especially for all the kindness that all your staff have given me, Bless to you all, Donald Murphy

service of care Helping America Group is wonderful, I'm looking forward to the day that I will become debt free. I get a sense of peace knowing I have someone in my corner that can help me solve my issues., and have the legal background of lawyers that can step up to the plate and handle what ever legal advice that I need. I would recommend anyone to this program if they want to become debt free. Mary Slaughter

Fraud Organization This company is really a fraud . I also got trapped with their prior commitments to settle the debt. But their service towards needs of customer is really poor even after providing enough documentation they didn't work actively to settle the debt. Their executives response towards issue is not up to the mark they keep on assuring lot of big things. But never proactively handled the problem on time. At last when asked to cancel the service their officer said we don't have that provision and there is no such guarantee of money refund. Even though payment was made on time and they keep charging banks to take the monthly payments but no sign of refunding the money. I will take my case to bigger forums and let people aware of the fact Thanks

Brenda I have had the pleasure of working with several great professionals with this company. However, Michael Combs and John Caceres are a dynamic duo! When I saw no light at the end of the tunnel, Michael must have spent hours on the phone gaining my confidence and helping me see how 321 would benefit me and my spouse, the most of all the things we were considering. Then along came John Caceres and made the transition so easy and stayed on the phone with me until everything was complete. It was easy to realize these two enjoy their job, but mostly love helping those who need help the most! Thanks Mike and John!!!