This Business Is Not BBB Accredited

Debt Defense Services, LLC

Debt Defense Services, LLC

(855) 332-1062

Debt Defense Services, LLC

6 years in business
1810J York Rd # 381
Lutherville Timonium, MD 21093-5118
Additional Phone Numbers
  • (443) 320-2443
  • (443) 320-2444
  • (888) 209-3222
  • (877) 331-8892
Additional Email Addresses
  • customerservice@debtdefenseservices.org
  • processing@debtdefenseservices.org
BBB File Opened: 10/10/2012
Business Started: 01/17/2011
Business Started Locally: 01/28/2011
Business Incorporated: 01/17/2011 in MD
Type of Entity
Limited Liability Company (LLC)
Business Management
  • Mr. Charles (Scott) Solomon, President; Resident Agent
Business Category
  • Debt Relief Services
  • Legal Document Help
  • Debt Relief Education

Additional Information
  • In January, 2014, BBB contacted DDS regarding a pattern of consumer complaints that had been filed against the company. This pattern was re-evaluated by BBB in February 2017 and found to continue to exist. The allegations presented to business by ...
  • In January, 2014, BBB contacted DDS regarding a pattern of consumer complaints that had been filed against the company. This pattern was re-evaluated by BBB in February 2017 and found to continue to exist. The allegations presented to business by BBB and the business' subsequent response to each specific concern is below: ***Consumer claim DDS says they will consolidate debt and/or stop collections on credit accounts **Business response: "DDS customer agreement does not in any way state that DDS will be consolidating their customer's debt...DDS does advise consumers that it has had success in stopping collection calls in the past, it also makes it very clear that it does not warrant that such calls will cease entirely..." ***Consumers state funds they remit to DDS are being held and not being distributed to their creditors **Business response: "DDS clearly advises its customers verbally and in the agreement itself that DDS' services are limited to providing education to its customers regarding their creditors and the procedures their customers' creditors must follow when attempting to collect alleged debts from them..." ***Consumers continue to receive calls and letters informing them that their accounts have been sent to collection agencies **Business response: "...it also makes it very clear that it does not warrant that such calls will cease entirely. To that end, DDS' customer agreement states 'Debt Defense Services cannot control the activities of third party creditors, debt collectors, and/or credit reporting agencies." ***Consumers were told to stop making payments to creditors while setting up account with DDS **Business response: "...DDS' customer agreement states 'Client agrees and acknowledges the fact that Client remains personally responsible for all their accounts, even if Client has defaulted on such or if a third party collector fails to respond to a validation request and/or responds to such request with insufficient documentation." ***Consumers not receiving promised refunds **Business response: "DDS clearly outlines its refund policy to its customers both before they enter into an agreement with DDS and in the agreement itself. In some circumstances DDS has provided refunds to customers who were not entitled to receive such refunds...because DDS was concerned that such customers had been dissatisfied with DDS' services." ***Consumer allege lack of customer-service; failure to contact or follow up with consumer; misinformation given to consumers (debt consolidation versus debt validation) **Business response: "DDS denies the fact that it has failed to contact or follow up with its customers. However...DDS has recently hired several additional customer service representatives so that it is sufficiently equipped to handle it (sic) recent increase in business...(and) implemented a uniform quality control procedure ('QCP') that its customer service representatives must adhere to when communicating with DDS' customers or performing services for DDS' customers." In general, the business responded indicating that they believed the increase in the complaints filed was based an increased volume of business and indicated they had hired new customer service representatives in order to accommodate this growth. The business also provided additional information about the services they provide, as outlined in the "Products and Services" section of this review.

Products & Services
This business provides resources to enable customers to independently validate personal debt. This business does not provide legal services and is not engaged as a "credit repair" entity which is a regulated industry in Maryland.
Number of Employees: 
22

F

Pattern of Complaints

In January, 2014, BBB contacted DDS regarding a pattern of consumer complaints that had been filed against the company. This pattern was re-evaluated by BBB in February 2017 and found to continue to exist.

The allegations presented to business by BBB and the business' subsequent response to each specific concern is below:

***Consumer claim DDS says they will consolidate debt and/or stop collections on credit accounts
**Business response: "DDS custo... Read More

BBB Reason for Ratings

BBB rating is based on 13 factors: Get the details about the factors considered.

Factors that affect the rating for Debt Defense Services, LLC include:

  • Failure to respond to 2 complaints filed against business.
  • 5 complaints filed against business that were not resolved.
  • Business has failed to resolve underlying cause(s) of a pattern of complaints.

Licensing information is provided in the BBB Business Profiles to inform the public about industries that may require professional licensing, bonding, or registration. Better Business Bureau encourages you to check with the appropriate agency to be certain any requirements are currently being met.
BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to substantiate their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.
BBB reports on known significant government actions involving the business's marketplace conduct.
BBB reports on a company that is out of business for one year from the date the company closes its doors or ceases to do business.
BBB reports on unauthorized use of the Better Business Bureau's name and/or logo for as long as the business continues to use it in any advertising, or for one year after the business ceases any repeated unauthorized uses.
BBB reports on a business’s bankruptcy as long as the business remains in bankruptcy.
BBB reports when mail sent to the business was returned by the Postal Service.

Debt Defense Services, LLC

This Business Is Not BBB Accredited

Debt Defense Services, LLC

Customer Review Rating:

100%

Composite Score: