Types of Complaints Handled by BBB
BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:
- Advertising or Sales
- Billing or Collection
- Problems with Products or Services
- Guarantee or Warranty
We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.
UPDATE AS OF March, 2012
United Financial Systems, Inc.
Attorney General Pamela Jo Bondi previously obtained a judgment against the debt consolidation company United Financial Systems, Inc. and its principal, Christopher Boulahanis. Through the efforts of the Office of the Attorney General to enforce the payment obligations due from the Defendants, a first distribution of approximately 14% of each consumer's qualifying loss was made in March of 2012.
Under a payment plan that United Financial had previously agreed to, we had anticipated a second and final distribution in September of 2012. Unfortunately, United Financial defaulted on its payment obligations under that payment plan.
The Office of the Attorney General has continued its efforts to collect on the judgment and we believed that a second distribution at the end of November 2012 was viable. While our collection efforts continue, we unfortunately will be unable to provide further restitution unless and until additional funds are obtained from United Financial.
We will continue our efforts on behalf of those affected and provide consumers with further information as significant developments occur.
All consumers retain any and all private rights and causes of action should they seek to pursue individual relief; please note, however, that generally you cannot recover twice any monies already refunded through the efforts of the Office of the Attorney General.
Any additional updates on this matter will be posted online as they become available.
If you have any questions, please call Victim Advocate Claudia Machado at (954) 712-4641.
United Financial Systems, Inc. was a Florida corporation that provided debt consolidation services to consumers nationwide. The company shut down operations as of December 2010. The Office of the Attorney General initiated an investigation in January 2011.
In response to the Attorney General investigation, the company agreed to refund all consumers by August 31, 2011. The refunds were not timely made by the company, however, and the Attorney General pursued the investigation toward litigation.
In December 2011, the Attorney General signed a settlement agreement with United Financial in which the company will pay the Attorney General the full amount due to the consumers in a series of monthly installments, and the Attorney General will distribute the funds to the defrauded consumers.
As of December 14, 2011, Attorney General Pam Bondi announced has reached a settlement with the debt consolidation company United Financial Systems, Inc. and its principal, Christopher Boulahanis.
The settlement resolves an investigation into the company's failure to provide consumers promised refunds.
The agreement requires the company to refund approximately 500 consumers more than $595,000 in restitution in total.
The settlement agreement provides a strict enforcement mechanism such that any failure to make timely payments by United Financial Systems will result in a court ordered judgment against the company and its principals for the full amount of refunds due plus an additional $500,000 in civil penalties.
The settlement also precludes the company and its representatives from engaging in credit counseling, debt management or debt consolidation in Florida.
The settlement monies will be distributed to the defrauded consumers by the Office of the Florida Attorney General in two payments: a partial payment March 31, 2012, and a final pro rata payment Sept. 30, 2012. All affected consumers must submit a sworn affidavit documenting the amount of their loss postmarked by Jan. 20, 2012.
Any consumers who were defrauded by United Financial Systems should contact the Florida Attorney General's Office immediately if they have not submitted an affidavit in this matter. Consumers can download an affidavit form at
The website will be routinely updated with new and relevant information. Alternately, consumers can obtain an affidavit or additional information by contacting the Economic Crimes Division directly at (954) 712-4600 or FTL.EC@myfloridalegal.com.