Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:05/23/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I paid AJ (Debt Sellers) a $1000 fee for the business accelerator program. I was promised that I would only pay $1000 and the rest of his costs and fees would come from his success fee of %10. Instead, I was bait and switched. The agreement presented required I pay $9,000 more and a $2500 deposit. When I try to get a response, he doesn't return calls and now my number is blocked. I have attempted for 3 weeks now to get ahold of him, but even when I use his phone appointment setter or online meeting, he doesn't respond or show up. Either he needs to honor his agreement or return my money.

  Business Response

  Date: 05/28/2025

  We have assessed the BBB complaint, while the BBB is a source that will address complaints or reviews. Our contract is in writing and executed by our party and the payor. 
  
  
  We are committed to providing superb service for any service contracted for. Remember, we are a licensed bonded and insured third-party debt collection company in ******, ******
  
  
  Sometimes, there are invalid reviews or complaints due to lack of payment or placement of accounts that are unpaid into third-party collections and are collected upon. 
  
  
  Our contract does have a binding arbitration clause within ******, *****, and we encourage all parties to adhere strictly to those arbitration provisions for any complaints, refunds, or recourses outside of the written contract.
  
  
  Arbitration is when two or more persons agree to let an impartial person or panel decide their dispute. The business has agreed that the decision will be legally binding when the customer accepts the decision, subject to any state or federal law that may provide a limited review right. Once the customer agrees with the decision, either party may compel compliance with the decision under any applicable state or federal law.
  
  
  We are in the process of becoming accredited with the BBB. We must use the Better Business Bureau to administer the arbitration and seek a mutual resolution.
  
  
  Debt Sellers, LTD. 

  Customer Answer

  Date: 06/02/2025

  I am rejecting this response because:   The initial payment did not provide an arbitration clause. It was merely a form to complete with basic information and then send the $1,000 deposit. Furthermore, arbitration is not an avenue for fraud. Fraudulent inducement into a contract voids the contract and is therefore no longer subjected to arbitration. We will see him in court for much more than the pittance of $1,000. 

  Business Response

  Date: 06/02/2025

  We have assessed the BBB complaint, while the BBB is a source that will address complaints or reviews. Our contract is in writing and executed by our party and the payor. 
  
  
  We are committed to providing superb service for any service contracted for. Remember, we are a licensed bonded and insured third-party debt collection company in ******, ******
  
  
  Sometimes, there are invalid reviews or complaints due to lack of payment or placement of accounts that are unpaid into third-party collections and are collected upon. 
  
  
  Our contract does have a binding arbitration clause within ******, *****, and we encourage all parties to adhere strictly to those arbitration provisions for any complaints, refunds, or recourses outside of the written contract.
  
  
  Arbitration is when two or more persons agree to let an impartial person or panel decide their dispute. The business has agreed that the decision will be legally binding when the customer accepts the decision, subject to any state or federal law that may provide a limited review right. Once the customer agrees with the decision, either party may compel compliance with the decision under any applicable state or federal law.
  
  
  We are in the process of becoming accredited with the BBB. We must use the Better Business Bureau to administer the arbitration and seek a mutual resolution.
  
  
  Debt Sellers, LTD. 

• Initial Complaint

  Date:03/05/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company is called AJ has credit, they are Debt sellers, and they also own the merchant Whop. I did live zooms with them, I asked numerous questions and one of there options were to purchase a shelf corporation which was $1000, they wanted to get funding for you and all the funding they get would be either SBA, lines of credit and credit cards with and off of the ***************** which that you purchase for $1000. Also, repair and increase your credit for free while doing so but, what ever funding they get for you they will receive 10% of the funding. However, once I paid the $1000 and asked them for the next steps they wanted me to connect with ai smart credit which is another company they own and is affiliated with for monitoring services which is not free but for a monthly fee of $34.95. Now, I paid all this and we still dont get started they had a representative by the name of ******* (funding coordinator) call me from ************** stating that they could not find me a a company that would fund me so I have to complete the shelf corp payment by paying the an additional $9000. Which was never told to me from the beginning or I would have never purchased a shelf corp from them. *********** could be purchased online from $300-$500 but since they stated that this would be a ******************* I purchased it at least I thought. So I requested for a refund told them Im not giving them $9000 because that wasnt the agreement, there response was were going to ruin your credit and add collections on your credit, not refund you because its a non refundable deposit now remember $1000 was not a deposit it was the cost for the shelf corp. I reached out to my bank for refund and having a hard time getting a refund because theyre merchant which is another company they own Whop is telling me in order to refund I have to drop the dispute with my bank and refund from them by signing up to their membership and log in and request for refund via through them. The scams!

  Business Response

  Date: 03/06/2025

  We have assessed the BBB complaint, while the BBB is a source that will address complaints or reviews. Our contract is in writing and executed by our party and the payor. 
  
  
  We are committed to providing superb service for any service contracted for. Remember, we are a licensed bonded and insured third-party debt collection company in ******, ******
  
  
  Sometimes, there are invalid reviews or complaints due to lack of payment or placement of accounts that are unpaid into third-party collections and are collected upon. 
  
  
  Our contract does have a binding arbitration clause within ******, *****, and we encourage all parties to adhere strictly to those arbitration provisions for any complaints, refunds, or recourses outside of the written contract.
  
  
  Arbitration is when two or more persons agree to let an impartial person or panel decide their dispute. The business has agreed that the decision will be legally binding when the customer accepts the decision, subject to any state or federal law that may provide a limited review right. Once the customer agrees with the decision, either party may compel compliance with the decision under any applicable state or federal law.
  
  
  We are in the process of becoming accredited with the BBB. We must use the Better Business Bureau to administer the arbitration and seek a mutual resolution.
  
  
  Debt Sellers, LTD. 

  Customer Answer

  Date: 03/06/2025

  I am rejecting this response because:   They said nothing of the sort about my complaint as far as assuring me that my $1k would purchase a shelf corp and it didnt they wanted me to give them an additional $9k for a shelf corp and on top of that pay them 10% for each funding via *** or any other. They hide behind their contracts that their attorney ****** does for them and its when a company hides behind their attorneys and uses deceptive contracts to scam people out of money, it is often referred to as "legalized fraud" or "contractual exploitation." This unethical practice involves exploiting legal loopholes and manipulating contractual terms to deceive and take advantage of consumers or other businesses. It can also be seen as a form of predatory behavior, where the company uses legal mechanisms to shield themselves from accountability while engaging in fraudulent activities. Ultimately, such actions erode trust in business practices and harm the reputation of the company involved. I only want my refund. No, they dont need to be accredited. 

  Business Response

  Date: 03/06/2025

  We have assessed the BBB complaint rejection, while the BBB is a source that will address complaints or reviews. Our contract is in writing and executed by our party and the payor. 
  
  
  We are committed to providing superb service for any service contracted for. Remember, we are a licensed bonded and insured third-party debt collection company in ******, ******
  
  
  Sometimes, there are invalid reviews or complaints due to lack of payment or placement of accounts that are unpaid into third-party collections and are collected upon. 
  
  
  Our contract does have a binding arbitration clause within ******, *****, and we encourage all parties to adhere strictly to those arbitration provisions for any complaints, refunds, or recourses outside of the written contract.
  
  
  Arbitration is when two or more persons agree to let an impartial person or panel decide their dispute. The business has agreed that the decision will be legally binding when the customer accepts the decision, subject to any state or federal law that may provide a limited review right. Once the customer agrees with the decision, either party may compel compliance with the decision under any applicable state or federal law.
  
  
  We are in the process of becoming accredited with the BBB. We must use the Better Business Bureau to administer the arbitration and seek a mutual resolution.
  
  
  Debt Sellers, LTD. 

• Initial Complaint

  Date:01/10/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  He was offering services ********* has credit and *** ********** is the other culprit it's like a good cop bad cop that they said they can get funding in seven days they kept calling me harassing me about senting money and different invoices my father was trying to get funding because he's retired and he was looking at building some properties on land and they solicit him and kept sending him invoice after invoice after invoice I have about 20 multiple invoices to my mother (age 76) and to my father (age 80) about paying continue to pay they kept sending invoice after invoice without anything stating about a loan about nothing they just kept sending invoice in kept requesting money to be sent money. I asked for a refund twice by email and I said if I didn't receive my money by today but Tampa gave them a week to reply they replied and told me to set up a call to talk about it I don't need to talk about it I told them to reply by email they stayed at not to reply by email they kept wanting me to talk on the phone which is not recorded and my father would not be protected so I gave them ample opportunity to refund the money they did not so I'm filing this report they need to be stop and stop harassing people trying to take a vantage of people needs in a financial situation.Yes there are three people that were affected by this heinous crime my mother my father and other members of the family Yes I filed consumer protection report Complaint Number 250103-17738347 and the State of ********************************

  Business Response

  Date: 01/15/2025

  We have assessed the BBB complaint, while the BBB is a source that will address complaints or reviews. Our contract is in writing and executed by our party and the payor. 
  
  
  We are committed to providing superb service for any service contracted for. Remember, we are a licensed bonded and insured third-party debt collection company in ******, ******
  
  
  Sometimes, there are invalid reviews or complaints due to lack of payment or placement of accounts that are unpaid into third-party collections and are collected upon. 
  
  
  Our contract does have a binding arbitration clause within ******, *****, and we encourage all parties to adhere strictly to those arbitration provisions for any complaints, refunds, or recourses outside of the written contract.
  
  
  Arbitration is when two or more persons agree to let an impartial person or panel decide their dispute. The business has agreed that the decision will be legally binding when the customer accepts the decision, subject to any state or federal law that may provide a limited review right. Once the customer agrees with the decision, either party may compel compliance with the decision under any applicable state or federal law.
  
  
  We are in the process of becoming accredited with the BBB. We must use the Better Business Bureau to administer the arbitration and seek a mutual resolution.
  
  
  Debt Sellers, LTD. 

  Business Response

  Date: 01/25/2025

  We have assessed the BBB complaint, while the BBB is a source that will address complaints or reviews. Our contract is in writing and executed by our party and the payor. 
  
  
  We are committed to providing superb service for any service contracted for. Remember, we are a licensed bonded and insured third-party debt collection company in ******, ******
  
  
  Sometimes, there are invalid reviews or complaints due to lack of payment or placement of accounts that are unpaid into third-party collections and are collected upon. 
  
  
  Our contract does have a binding arbitration clause within ******, *****, and we encourage all parties to adhere strictly to those arbitration provisions for any complaints, refunds, or recourses outside of the written contract.
  
  
  Arbitration is when two or more persons agree to let an impartial person or panel decide their dispute. The business has agreed that the decision will be legally binding when the customer accepts the decision, subject to any state or federal law that may provide a limited review right. Once the customer agrees with the decision, either party may compel compliance with the decision under any applicable state or federal law.
  
  
  We are in the process of becoming accredited with the BBB. We must use the Better Business Bureau to administer the arbitration and seek a mutual resolution.
  
  
  Debt Sellers, LTD. 

• Initial Complaint

  Date:11/20/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently entered into a contract with the company involving the ***************** Program. The company promised to deliver a shelf corporation that is completely established and ready for funding. The start of service required a $1,000 fee that will result in the Shelf being immediately transferred to the buyer, with a 10% fee that was instructed to be paid after the shelf was funded. After paying the fee, I was then told that I had to sign up for a credit service and apply for a loan to fund the shelf corporation personally. That was not what the owner discussed with my team and I. I never received any product or service after paying my fee almost a month ago and when I reach out to the company I am ignored or never contacted. Requesting that the company remove and forgive any attempted collection of debt as the company provided false information and did not comply with the **************** is now requesting that a $9,000 fee for services not provided be paid or debt will be reported and sold. Consider this review as a WARNING. Do not engage in business with this company in relation to the shelf corporation funding program. I cannot speak for any other services, but as for this service it is a scam commonly referred to as a Ponzy Scheme. I DO NOT RECOMMEND.

  Business Response

  Date: 11/22/2024

  ****** ****, our organization came under contract on October 29, 2024. 

  Since coming under contract you paid the non-refundable deposit as outlined on page ten of the agreement. We only have a select number of shelf corporations for sale within our inventory. We assigned all aspects of the shelf corporation to you within 24 hours. We did ask that you would accept financing offered and use that to pay for the remainder of the shelf corporation as our team spoke about over the phone. 

  You accepted the free credit repair, and accepted the deliverables of the shelf corporation but did not pay for the remainder of the shelf corporation. As you mentioned in your argument for a refund, the deposit is non-refundable, and there is a balance owed. 

  Please let us know if you would like to switch into the Four Week Program or pay for the remainder of the shelf corp. Our team is still willing to work with you if we can resolve the past due balance. 

  Customer Answer

  Date: 11/22/2024

  I am rejecting this response because: The companys claims to have transferred me anything regarding the shelf is false. In the contract it does not state that I had to sign up for credit repair nor did I accept the companies offer of free credit repair, I specifically let the company know that I had a dedicated credit team and my credit was acceptable but I am not interested in using my personal credit to apply for a service that I was told would be already ready for funding. I have asked the company numerous times to send me the information that was promised to me after the $1,000 deposit was paid via contract and I have received no response. I have called, I have left messages, I have texted and have been ignored. When speaking with the owner, I informed him that I will be recording our conversation and taking notes for business and legal purposes and he informed me that it was perfectly fine, and after our conversation if my legal team would like to setup a session to over the program they were more than welcomed to reach out to schedule. In the conversation, the owner spoke clearly about the instructions for obtaining the shelf corporation. None of them included applying for personal funding, or paying $9,000 after the $1,000 payment was already accepted. I specifically asked the owner about the process and he confirmed all that was needed is to pay $1,000 and the shelf corporation would be transferred immediately. From there, he would leverage lenders with the collateral and the corp to ensure the entity would be funded. When the entity was funded, a 10% fee ($10,000) would be wired immediately to the account provided on the contract. I asked the owner if there were any other fees associated with this price or any other services that I am unaware of and he clearly stated no. No where in the conversation did he mention $9,000 being due after the initial $1,000 payment and I also still have not received what I paid for initially as promised in the contract. Due to the no refund policy in the contract, if a refund of the $1,000 is not obtainable, then I am asking the company to forgive any debts that they have in place due to this agreement, & cancel any further business regarding this agreement, as the company was not up front and truthful about the program and did not act in good faith. I am also asking the company to provide proof of delivery of product. If the company cannot provide proof of delivery, then I am asking for the contract to be terminated due to breach of contract and not acting in good faith with the contract. Seller agrees to transfer ownership of the entire portfolio of receivables, as set forth in Exhibit A, to purchaser on or immediately after the closing date  and sellers receipt of $1,000 non refundable deposit.

  Business Response

  Date: 11/25/2024

  We have assessed the BBB complaint, while the BBB is a source that will address complaints or reviews. Our contract is in writing and executed by our party and the payor. 
  
  
  The complaint however, appears to be an addressed and due to the lack of payment for the services we have already provided. We are a licensed bonded and insured third-party debt collection company out of ******, ******
  
  
  We have reached out to the party numerous times other resolve the issue. Our contract does have a binding arbitration clause within ******, ***** and we will encourage all parties to strictly adhere to those arbitration provisions for any complaints, refunds, or recourses outside of the written contract.
  
  
  Debt Sellers, LTD. 

  Customer Answer

  Date: 11/25/2024

  I am rejecting this response because:   The company has not reached out to me nor returned any of my phone calls or messages. Again, I have asked the company to provide proof of their claim to support the contract that was signed. I understand there is a no refund policy for the $1,000 paid to initiate the service, but in order to move forward, I would like to request that the company send proof of transferred material that was promised in the contract. I have remained professional and patient throughout the process and the company has not acted in good faith during this agreement. If the company cannot provide supporting documentation that shows the transfer of a purchased shelf corporation to the buyer on or immediately after Tuesday, November 5th, 2024 when the $1,000 payment was made then I would like to again request that any debts be forgiven and the remainder of the business involving this contract be discontinued due to a breach of contract by the seller. 

  Customer Answer

  Date: 01/27/2025

  This is the original contract stating the process for the ***************** transfer after completion of purchase. Seller stated after initial $1,000 deposit, the ********** will then be transferred, funded and remaining payment will then be charged from the ********** after successful funding. 

• Initial Complaint

  Date:11/15/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Ajay is a liar with a straight face. **** has credit is a scam. They promised to help you obtain business funding. Once you pay, their hold attitude changes. You are then transferred to work with ******* and ****** **********, in which you can ****** their scamming history, which is criminal at this point. The whole thing is a scam. Its criminal and these guys need to be prosecuted and brought to justice.

  Business Response

  Date: 11/18/2024

  ****** ******, has received the service and deliverables as outlined in contract, but you have not paid as agreed. 

  Please review contract with your legal team.

  ENTIRE AGREEMENT. This Agreement constitutes the entire understanding between the parties with respect to the subject matter, and supersedes all prior written and oral proposals, understandings, agreements, and representation, all of which are merged herein. No amendment or modification of this Agreement shall be effective unless it is in writing and executed by all of the parties here to. THERE ARE NO UNWRITTEN ORAL AGREEMENTS BETWEEN THE PARTIES. All prior representations and statements made by any party or its representatives, whether verbally or in writing, are deemed to have been merged into this Agreement. 

  ARBITRATION. Any disputes or claims arising under this Agreement shall be submitted to binding arbitration under the rules of the ********************************, then in effect, under the jurisdiction of the State of Texas and conducted in *************, ******

  REFUNDS. Seller represents that any "Unqualified Accounts" will result in a replacement account. Purchaser will report accounts requiring replacement to Seller every thirty (30) days during the warranty period of ninety (90) days. Seller will replace an account to Purchaser within 30 days from the time of notification. Warranty expiration date based on Closing Date will be ninety days after closing.Postdate will determine validity.

  Mr. ******, you agreed to pay as agreed "Price: $10,000. Late fees shall be subject to $50.00 per day late fees until entire balance is paid in full", and you agreed to pay collection costs. Collection Costs. Buyer shall be responsible for necessary expenses incurred by Seller to any unpaid fees and/or late fees, including court costs, attorney fees, collection fees from third parties, etc.

  Mr. ******, is in possession of the entire portfolio of receivables, as set forth in Exhibit A, the $1,000 paid is a non-refundable deposit.

   

   

   

   

  
  

• Initial Complaint

  Date:07/15/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I paid my money to start this program on June 26, 2024. Since paying the initial down payment this company has done nothing to help me. I schedule appointments to speak to someone and no one calls. They never answer my call since paying. BEWARE when spending your money with this company because they are now coming across as a scam. After 3 weeks of limited communication, no progress in my case, and lack of professionalism I would like a full refund of the $500 I already paid since they do not want to work with me and cancel my contract.

  Business Response

  Date: 07/16/2024

  Working with the client directly.

  Customer Answer

  Date: 07/16/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:04/19/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On March 16, 2024 I paid debtsellers.org $500 to assist with setting up a business and obtain business funding. Upon receipt of the $500 I was informed that the way to generate income was to sign other people up for this service. I informed him that I was misled and would no longer like to participate in this program. I was then informed that the actual cost of the program is $5K and I owe a balance of $4500. None of this was disclosed when I initially signed up. I am seeking a refund of $500 and withdrawal from this program.

  Business Response

  Date: 04/20/2024

  Debt ******** **** Is a First and Third Party Debt Collector in the State of *****. This account has a past due balance of $4500 and was signed to be paid in 30 days through a Net 30 account. Payment is past due. 

  Customer Answer

  Date: 04/22/2024

  I am rejecting this response because:   at the beginning of this process I informed them that this program was not for me. It was never explained to me that the program cost $5K and also it was never explained that in order to generate revenue I had to sign other individuals up for this program.

  Business Response

  Date: 04/22/2024

  The client signed a contract with the company to provide services for the said program. The program does have a cost as determined based off of the signed terms and conditions. The client must work with the advisor for a period of thirty days. Services provided are free credit repair, assistance with applying for funding. 

  There are no refunds as outlined in the terms and condition's. 

  Business Accelerator PROGRAM AGREEMENT THIS AGREEMENT is entered into, by and between the Debt ************ (hereafter referred to as **), with principal offices located at ***************************************************************************************************************, (hereafter referred to as Advisor(s)) and Business Accelerator PROGRAM Client (hereafter referred to as Client) with the following terms and conditions: WHEREAS, Advisor administers the Business Accelerator PROGRAM developed to assist entrepreneurs in accessing Free Credit Repair, and access to funding. WHEREAS, Client will have access to Free Credit Repair, and over a dozen different types of funding solutions. Including the ability for the advisor to create a new business with the client. New business to have all the requirements to access business credit. WHEREAS, Clients participation for phase two will begin after payment of $500, and acceptance of financing for $4,500 for a total of $5,000 to pay advisor for technical advice and consulting. Financing can come from third party: Loan, Line of Credit, Credit Card, or payment plan. NOW THEREFORE, in consideration of the terms and conditions set forth below and other good and valuable consideration, the parties agree as follows: DEFINITIONSActive participation.  Any act by Client that is compliant with Advisors guidance and instructions especially items described as essential or critical to the success of the Program including completion of the two self-paced phases provided to Client by Advisor and as otherwise stated in this Agreement.Arrange.  Any act by Advisor as an intermediary, such as introductions, education, document preparation, assistance with underwriting compliance meeting lender/credit requirements, etc.Assistance/assisting. Any act by Advisor performed to pursue and/or achieve a client goal, including advice and guidance. Tracking Advisors guidance and Clients compliance with such guidance. Advisors guidance and Clients performance, growth, compliance, and success in obtaining capital will be tracked Advisors CRM. Non-Refundable Deposit. A $5,000 deposit is normally due upon enrollment in Phase two of Business Accelerator PROGRAM.Performance Fee.    There shall be no Performance Fees in the Business Accelerator PROGRAM. Capital Ready.Meeting the underwriting criteria for the type of funding instrument(s) for which the Client is applying, such as *** loans, other business credit/loans, personal credit/loans, hybrid forms of credit/loans and/or investor-based equity.Capital raise.  Capital raise is defined as capital offered to the Client, even if Client refuses such funding. Advisor is not liable to the $250,000 business credit capital raise guarantee if Client refuses any funding instruments under this Agreement. PAYMENT & GUARANTEESAdvisor Guarantee. Advisor guarantees Client will establish at least $2500,000 in business credit if Client actively participates in the Business Accelerator PROGRAM. The actual amount and composition of capital raised will depend upon Clients goals, preferences, qualifications, types of capital pursued, and compliance with Advisors guidance.   Essential to this guidance is Client coordination with Advisor as to the use of each round of funding received and it is included in the obligation for active participation and a failure to coordinate with Advisor in this way will render the $250,000 business credit guarantee null and void, without releasing Client from any other obligation under this Agreement.Because compliance with Advisors guidance is critical to success in the Program, Clients failure to follow Advisors guidance will nullify the guarantee of establishing a minimum of $250,000 in business credit.  Client refusal of available funding or trade lines will be considered a lack of active participation. Client will still be responsible for all other provisions in this Agreement. In the unlikely event that Client has not raised a minimum of $250,000 in business credit/funding after the term of one month, despite active participation and compliance with the guidance of Advisor, this agreement shall be automatically renewed for one-month periods until at least $250,000 business credit has been established if Client maintains active participation.Client liability. Client will sign both in their capacity as an individual and their capacity as owner of the business, making personal and business assets liable on this Agreement. Client payments.Client will pay $5,000 non-refundable deposit with the terms of this Agreement.  If Client fails to comply, Advisor will invoice Client which is due immediately.  In such case, failure to pay the Deposit within this time will result in a late fee of $50 per day after failure to pay the Deposit until the full amount due is paid to Advisor.  Nonpayment of Deposit and/or late fees will result in a suspension of the obligations of Advisor until full payment of all fees, including late fees are made and Client is current on all payments due. Collection Costs. Client shall be responsible for necessary expenses incurred by Advisor to collect the Deposit and/or late fees, including court costs, attorney fees, etc.  Upon default of payment, Client shall be responsible for all collection costs and fees. Performance Fee Earned.  There are no Performance Fees involved with this Agreement. Notice.  This Agreement is effective from the date of the last signature of the parties, generally Advisor, even if the Deposit has not yet been paid. SECURING CAPITALConsulting Services. Client understands that they are completing an educational curriculum for the purpose of helping ensure they meet lending and investor credibility standards, helping them build and access personal/business credit, developing a loan package, and, if desired, become capital ready to access investor-based equity. Underwriting Process. Client understands that their Advisor will ask questions relating to pre-qualification for capital, including questions about credit, company income, revenue, and other relevant information.  These questions are to equip Advisors with the information to aid Client in pre-qualifying for capital funding instrument(s) and does not constitute final approval for any funding. Advisor is not the lender or underwriter for any funding instrument(s) and Client cannot be fully approved until they go through a formal underwriting process with the actual lender(s) or underwriter(s) of any capital funding instrument(s). Active Participation.Client agrees to actively participate in this Program, as defined in this Agreement, until a minimum of $250,000 of business credit is established and completion of the four modules with associated tasks in a thirty-day period from enrollment.  Failure to actively participate will dismiss Advisors responsibilities under this Agreement and cause the non-refundable deposit to be payable by *********************** SERVICES PROVIDE**ervices provided by the Advisor(s) may include:Business Credit Readiness Review.  Advisor performs a corporate compliance and document review of Clients business to help prepare Client to maximize the possibility of success in obtaining business credit Client applies for.Key ********************* Policy assistance. Advisor assists Client with securing a compliant policy as often required by the *** and some other sources of capital.Assistance with identifying collateral that can be used by the business for a collateralized loan.Business Credit and Funding. Advisor assists Client in obtaining trade, revolving, and non-revolving business credit and funding sources.Investor-Based Capital. If applicable, Advisor assists Client in attracting investor-based capital in the form of Crowd Funding, Rule A+ of the 2012 Jobs Act, Initial Public Offering, etc.Capital Readiness. Following a formalized and proprietary four step process to develop a loan package, Advisor will assist Client in becoming capital ready: Credit Building. Guidance on credit building/improvement of owners personal credit scores; and/or Financial Literacy Curriculum.  Third-party Costs.  Client understands that any funding obtained from lending sources may involve expenses and certain business requirements that must be met by Client and are not covered under this Agreement, i.e. maintaining a business bank account with a positive balance, obtaining a Key ********************* Policy, or collateral for the loan product, improving/maintaining a strong personal credit profile, purchasing business credit reports, acquiring assets to strengthen the Clients Balance Sheet, paying business bills on time, etc.  These incidental expenses, if incurred, are the sole responsibility of the Client, and not the Advisor(s).Lender costs may also include standard lender fees and processing fees, points, APRs, interest rates, discounts, and other standard fees commonly associated with borrowing money. These fees are charged by the lender/vendor themselves and are not included in the Business Accelerator PROGRAM. Confidentiality.  Except as otherwise provided in this Agreement or with the written consent of **, Client agrees that all information, including, without limitation, the terms of this Agreement, the program design, model, processes, materials, communication records, sources of capital, and/or resources shall remain strictly confidential and secret. Further, such information shall not be utilized, directly or indirectly, by Client for any purpose other than participation in the Small Business Certification Agreement as a participant, except and solely to the extent that any such information is generally known or available to the public through a source other than Client. Client shall not use any information obtained from the ** Business Accelerator PROGRAM to develop, enhance, or operate a service that competes with the ** Business Accelerator PROGRAM, or assist another party to do the same. Defamation.Advisors reputation is essential its ability to engage in business and Advisor will pursue legal action against any damage to its reputation resulting from unlawful action by Client.Binding Arbitration. Apart from provisions in this Agreement concerning Clients failure to pay in Section 2(f) and failure to comply with requirement for active participation in Section 3(d), any dispute under this Agreement shall be resolved by binding arbitration. Arbitration shall be conducted by one (1) mutually agreed upon arbitrator and arbitration will be held in *************, ****** Except as required by law, neither party, nor its representatives may disclose the existence, content, or results of any arbitration hereunder without the prior written consent of all parties. Each party shall pay its own costs associated with the arbitration and the parties shall equally pay the cost of securing the arbitrator and the venue.This section shall survive the termination or cancellation of this Agreement.Confession of Judgment.  Client makes a private admission to Advisor for liability of the non-refundable deposit without having a trial.  Client agrees to allow the Advisor to enter a judgment without having a trial, in case of Clients breach. Class Action Waiver. Any arbitration or court trial (whether before a judge or jury or pursuant to judicial reference) of any Claim will take place on an individual basis without resort to any form of class or representative action (the Class Action Waiver). THE ***** ACTION WAIVER PRECLUDES ANY PARTY FROM PARTICIPATING IN OR BEING REPRESENTED IN ANY ***** OR REPRESENTATIVE ACTION REGARDING A CLAIM. Regardless of anything else in this Dispute Resolution Provision, the validity and effect of the Class Action Waiver may be determined only by a court or referee and not by an arbitrator. The Parties to this Agreement acknowledge that the Class Action Waiver is material and essential to the arbitration of any disputes between the Parties and is non-deferrable from the agreement to arbitrate Claims. If the Class Action Waiver is limited, voided, or found unenforceable, then the Parties agreement to arbitrate shall be null and void with respect to such proceeding, subject to the right to appeal the limitation or invalidation of the Class Action Waiver. THE PARTIES ACKNOWLEDGE AND AGREE THAT UNDER NO CIRCUMSTANCES WILL A ***** ACTION BE ARBITRATED.Sever ability. If any term of this Agreement is to any extent illegal, otherwise invalid, or incapable of being enforced, such term shall be excluded to the extent of such invalidity or un-enforceability; all other terms herein shall remain in full force and effect; and, to the extent permitted and possible, the invalid or unenforceable term shall be deemed replaced by a term that is valid and enforceable and that comes closest to expressing the intention of such invalid or unenforceable term.  If application of this Sever-ability provision should materially and adversely affect the economic substance of the transactions herein contemplated, the Party adversely impacted shall be entitled to compensation for such adverse impact, provided the reason for the invalidity or un-enforceability of a term is not due to serious misconduct by the Party seeking such compensation.THE TERMS OF THIS AGREEMENT SHALL CONTROL OVER ANY CONFLICTING TERMS IN ANY REFERENCED AGREEMENT OR DOCUMENT.  THIS AGREEMENT SETS FORTH AND CONSTITUTES THE ENTIRE AGREEMENT AND UNDERSTANDING OF THE PARTIES WITH RESPECT TO THE SUBJECT MATTER HEREOF.  THIS AGREEMENT SUPERSEDES ANY AND ALL PRIOR AGREEMENTS, NEGOTIATIONS, CORRESPONDENCE, UNDERTAKINGS, PROMISES, COVENANTS, ARRANGEMENTS COMMUNICATIONS, REPRESENTATIONS, AND WARRANTIES, WHETER ORAL OR WRITTEN, OF ANY PARTY TO THIS AGREEMENT.Each of the undersigned has voluntarily agreed to enter into this Agreement and to the terms stated above. 

   

  Customer Answer

  Date: 04/25/2024

  I am rejecting this response because:   this was not explained to me at the time of sign up. I would like a refund and be removed from this program

  Business Response

  Date: 04/26/2024

  *******************************, the terms and conditions are signed and agreed to before implementing. 

  Customer Answer

  Date: 05/03/2024

  I am rejecting this response because:   i was not made aware that the process cost $5K. I am seeking a refund and withdrawal from this program 

  Business Response

  Date: 05/03/2024

  THE CLIENT DID AGREE TO THE ***** AND CONDITIONS AND ARE NOT REFUNDABLE. THERE IS A BALANCE OWED. 

  Customer Answer

  Date: 05/14/2024

  The business did not act in good faith and did not disclose the terms of the agreement. The business NEVER informed me that the cost of the program was $5K and had a balance of $4,500.00 due in 30 days. A fair resolution would be to forgive this balance as they were deceptive in their practice and promises.