/MediaBox [0 0 612 792] /Parent 11 0 R Defendants dramatically misstate the consumers estimated savings and program length. /MediaBox [0 0 612 792] Read this post and report complete it because I'm going to explaining in details how Monarch legal group has violated my rights and is contributing to a substantial emotional pain and disturbance. WebComplaints for Monarch Legal Group. /Type /Page Monarch markets the debt resolution program it operates with Strategic as having a generous refund policy. How BBB Processes Complaints and Reviews. /Parent 4 0 R /MediaBox [0 0 612 792] /F2 68 0 R 65 0 obj << The two contacts excerpted below identify James Katayanagi, an employee of Strategic subsidiary Finance Solutions, and Haider Salas, a former employee of Strategic Financial Solutions, as the consumers Law Firm Contact. Neither Katayanagi nor Salas are lawyers: [Before or concurrent with his employment at Finance Solutions, Katayanagi worked as a personal banker. << c. Another consumer wrote: I called and then they told me after I had paid them a little over $300 a month for 7-9 month period that there was nothing in my account just $100 and that the rest went to their fees, fees for providing no service. I am thrilled that the City of Chicago is going after them. 46 0 obj /Resources 261 0 R In the examples that the City has seen, and on information and belief in other instances too, Monarch lawyers do not perform debt settlement work. Monarch claims on its website that through its debt resolution program, it can often negotiate with creditors to settle for pennies on the dollar. Monarch also tells consumers they will be on [their] way to a future free of burdensome debt:. /MediaBox [0 0 612 792] Its the exact reason Veritas stopped working with them altogether, many of our participating attorneys will not work with them either. Hi Miss Anne, Hopefully I have the courage to do what you did to get my refund also. I enrolled with 9 accounts in the program. Mr. Robert G. Androsiglio, Founding Managing Partner. /Parent 9 0 R I was current with all my creditors and had a respectable credit score. /Parent 11 0 R Copyright 2022 Monarch Legal Group Reviews. endobj The consumer did not hear from Monarch for two weeks. endobj /Parent 4 0 R I was very nervous about making this move but I was reassured and put at ease with the way I was treated. /CropBox [0 0 612 792] << 35 0 obj Consumers who receive deceptive and inaccurate information from Strategic are unable to report that conduct to any attorney regulatory bodies because the employees are not lawyers. /MediaBox [0 0 612 792] This assumption is unrealistic. Monarch provides the law-firm faade while Strategic Financial Solutions carries out the debt resolution program. PAID ATTORNEY ADVERTISEMENT: Monarch Legal Group is a law firm. Everything you need to know about man who became heir to British throne 71 years ago 1. I had been paying all of my credit cards both person and business. 26 0 obj /CropBox [0 0 612 792] /Nums [0 7 0 R] /Contents [250 0 R 251 0 R 252 0 R] Charles was born at Buckingham Palace on 14 November 1948 at See TSR Amended Rule 2010, 75 Fed. /CropBox [0 0 612 792] /Parent 10 0 R Timothy Burnette is, on information and belief, the sole member and manager of Burnette Legal Group, LLC d/b/a Monarch Legal Group. I have been pleased by the results Monarch has gotten for me so far. >> /Parent 4 0 R Monarchs website says that the company can assist people in debt by helping them file for bankruptcy or through its debt resolution program. PAID ATTORNEY ADVERTISEMENT: After the first 22 months, over 53% of this consumers payments were earmarked as going to the Service Cost.. /Annots [] /Parent 10 0 R What Are Your Spending Habits? /CropBox [0 0 612 792] Monarchs Client Retainer Agreement states that [t]he law firm puts in place a customized strategy based on the individual client and their debts[. /Font << /Annots [] /Type /Page June 16, 2022. toyota rav4 2013 specs. Second, Defendants predict that they will negotiate settlement agreements at around 40% of the debt consumers owe when they enter the payment plan. We are scared and desperate at this point, See if this sounds like a reasonable and logical approach. /Rotate 0 Would love to hear from you. << << Employee and customer online reviews suggest that Strategic works with as many as ten law firms:. /Resources 225 0 R 13 0 obj Webaction complaint against Defendants Strategic Financial Solutions, LLC (SFS), its subsidiary LLC d/b/a Monarch Legal Group (Monarch), receive a percentage of monthly charges paid by the client to SFSs billing processor (generally between 3% and 10%), with the lions share going to SFS. /Rotate 0 | Read 21-40 Reviews out of 44 /Contents 66 0 R Through its third party representatives and in its welcome materials, Defendants tell consumers how to contact the Litigation Department. On information and belief, that department doesnt exist. A reasonable consumer likely would decline to contract with Monarch had she known that debt negotiation and customer service would be outsourced to another company in another state that is staffed by non-lawyers. >> Significantly, consumers pay legal fees even if Monarch refuses to provide those services. Based on information and belief, attorneys affiliated with Monarch rubberstamp all settlements, do not supervise the non-lawyer debt negotiators, and do not give reasoned legal advice to consumers about whether to accept a settlement. endobj Through their unconscionable practices, Defendants have harmed Chicagoans seeking to get out of debt. >> /Type /Metadata The Honest and Unvarnished Truth. >> Im really happy with the service so far, I have just started this program, and to date I have found it to be extremely worthwhile, the pressure that this program has taken off me has been tenfold and I feel that I am finally headed in the right direction, I know the road ahead will be tough but well worth the effort, having a reliable team behind me makes all the difference. Third, Defendants fail to factor in interest rates and estimated late fees into their payment schedule. We help people file for bankruptcy relief under the Bankruptcy Code. Choose the serviceBankruptcyFDCPAFCRAConsumer LitigationOther. /MediaBox [0 0 612 792] On information and belief, Defendants estimates for other Chicago consumers contained similar inaccuracies. /Rotate 0 << >> The attorney did not appear in the proceeding and the creditor received a default judgment against the consumer. Strategics partnership with Monarch is not unique. The State of Illinois sued Legal Helpers and its principals for similar consumer-protection violations in 2012. /Rotate 0 1-877-450-8853, Positive: Professionalism, Quality, Responsiveness, Value. /Resources 213 0 R 21 0 obj Join the 46 people who've already contributed. >> /MediaBox [0 0 612 792] endobj GCS also charges a $10.75 monthly fee for payment processing., Though they immediately begin collecting fees, Defendants inform prospective consumers that it typically takes Monarch 7 to 9 months to reach the first settlement.. endobj /Annots [69 0 R 70 0 R] I accept the offer and signed a contract on June of 2020 with Monarch legal group. /Count 10 In some instances, Defendants require consumers to sign an agreement with Global Client Solutions to manage consumer payments and deposits. View customer complaints of Monarch Legal Group, BBB helps resolve disputes with the services or products a business provides. /Contents [138 0 R 139 0 R 140 0 R] In one case, Defendants settled a debt worth $3,943, agreeing to pay between 40-60% of the debt. 34 0 obj >> /Type /Page We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time and your results will likely vary. >> /Contents [202 0 R 203 0 R 204 0 R] endobj BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. << Contact Us Monarch Legal Group. /CropBox [0 0 612 792] If consumers withdraw after one year, Defendants collect substantial sums without performing work. Those attorneys do not litigate on behalf of consumers. /Annots [] 203 N. LaSalle, #2100, Chicago, IL 60601 /Resources 89 0 R This program started in September of 2019 and has consumed a large amount of our finances. /Type /Page /Resources 177 0 R /Rotate 0 >> /MediaBox [0 0 612 792] >> WebWe are committed to offering top-notch legal services to our clients and the best way for us to do that is to get your honest feedback. Monarch retainer agreements identify Law Firm Contacts. Those contacts are not employed by Monarch, and instead work for Strategic or a related entity. In fact, Defendants settled the debt for more than the consumer owed when the consumer contracted with them. WebExcellent 100% Very good 0% Average 0% Poor 0% Terrible 0% Latest Reviews: Everyone has been extremely nice 5 Everyone has been extremely nice, helpful, explaining everything Read and understand all program materials prior to /Kids [15 0 R 16 0 R 17 0 R 18 0 R 19 0 R 20 0 R 21 0 R 22 0 R 23 0 R 24 0 R] endobj >> * ekVCwIqhpjZDhWI`kN9R=46lz+5, Briggs v. Strategic Financial Solutions, LLC et al. For example, Defendants recorded and estimated a budget based on the fact that one Chicago consumer had only housing, food, and auto expenses. /MediaBox [0 0 612 792] /Rotate 0 /Parent 13 0 R /Rotate 0 endobj c. Most significant to Defendants, complying with Illinois regulation would sharply curtail their abusive fee structure, discussed further in Section II below. >> On this page, you'll find a comprehensive collection of reviews and complaints from real customers who have used Monarch Media Group's products or services. CRI measures the company's customer satisfaction abilities through BCAs complaint mediation process. After accounting for Defendants various fees, consumers end up paying only a small amount into their reserves for settlement of their debts. << >> Defendants legal fees also reinforce the deception that attorneys will be performing the debt settlement work, including by representing consumers in court. /Rotate 0 /Count 10 ] In reality, the Citys investigation indicates that Monarch attorneys are only superficially involved to trick consumers into thinking that lawyers are performing debt resolution services when the work is actually performed by non-lawyers at Strategic (if the work is performed at all). Company resolves 0% of complaints brought to its attention from Business Consumer Alliance. /Rotate 0 37 0 obj /Rotate 0 b. Side Hustle Review - Is It Too Late To Make Money With A Helium Miner? How BBB Processes Complaints and Reviews. /Rotate 0 Based on examples that the City has seen, the payment schedules include at least three omissions or deceptions. BBB Business Profiles generally cover a three-year reporting period. Date of experience: September 04, 2020 /CropBox [0 0 612 792] /Contents [110 0 R 111 0 R 112 0 R] 43 0 obj >> Current and former Strategic employees have noted that Monarchs and Strategics practices confuse consumers. According to employee reviews on Glassdoor, Strategic Financial Services asks its employees to post falsified positive reviews to cover up the truthful negative ones: Reviewers on Better Business Bureau and Google also concluded that Defendants positive reviews are inaccurate. /Type /Page /Parent 4 0 R /Rotate 0 endobj The 56 0 obj << /MediaBox [0 0 612 792] Several days later, user r-fakhouri, likely Ricky Fakhouri, an outside attorney who has contracted with Monarch on a case-by-case basis, approved the plan. /Contents [242 0 R 243 0 R 244 0 R] /MediaBox [0 0 612 792] endobj Atty Approved.. /Type /Page In fact, at least insofar as the practices at issue here are concerned, Monarch does not provide legal advice or representation. The City investigation indicates that consumers do not have access to advice from attorneys, and many never receive any form of legal representation. /Rotate 0 Consumers reported not understanding the terms of the program after these short appointments. /Annots [] /Type /Pages endstream Already have an account? /Resources 233 0 R /CropBox [0 0 612 792] /Contents [122 0 R 123 0 R 124 0 R] << /Parent 9 0 R /Contents [134 0 R 135 0 R 136 0 R] Briggs v. Strategic Financial Solutions, LLC et al. /Contents [254 0 R 255 0 R 256 0 R] /Annots [] endobj /Filter /FlateDecode /Annots [] /Type /Catalog endobj /Contents [166 0 R 167 0 R 168 0 R] /MediaBox [0 0 612 792] 57 0 obj 12 0 obj Cash Made. Defendants Do Not Provide Contracted-For Litigation Defense Services, Leaving Chicago Consumers to Defend Themselves in Court, Timothy Burnette Controlled and Directed Monarchs Conduct, Defendants Deceive Potential Customers by Posting Fake Reviews, Strategic Engages in Unfair and Deceptive Practices in its Debt Resolution Business Across the Country, https://brokercheck.finra.org/individual/summary/4890437, https://www.finra.org/rules- guidance/oversight-enforcement/finra-disciplinary-actions?search=2013035572001, Former Credit Counseling Executive and Serial Dirtbag, Andris Pukke Arrested, Litigation Practice Group Lawsuit by Business Partner All Service Financial We Want Our Money, Refunds Sent to Students Deceived by Student Advocates Debt Relief Scam, Clay Advisors Same Debt Consolidation Loan Mailer, Different Name, https://getoutofdebt.org//20126/how-to-try-to-get-refund-from-debt-relief-company, https://getoutofdebt.org/20126/how-to-try-to-get-a-refund-from-a-debt-relief-company, How to Get Out of Debt Without Getting Scammed and What to Do if You Have Been, The Beach Misses You: A Financial Fable For Happiness And Internal Peace, Get Out of Debt Guy Podcast - Reader Questions - AMEX Arrrgh, Getting Out of Debt and Making Lots of Extra Money is Easy When You Do This One FREE Thing, Is Your Debt Relief Company a Scam and How to Make an Extra $800 a Month to Make Ends Meet. By clicking the I AGREE button below, you authorize Monarch Legal Group, LLC to contact you (including using autodialers, automated text and pre-recorded messages) via your telephone, cellphone, mobile device (including SMS and MMS) and email, even if your telephone number is currently listed on any state, federal or company's Do Not Call list. WebWe are personally invested and highly committed to the success of the project at every phase. >> 62 0 obj /Type /Page Anyone Know for Sure About World Law and Global Client Solutions? Monarch Investment and Management Group Engaged Employer Overview 261 Reviews 105 Jobs 565 Salaries 39 Interviews 77 Benefits 67 Photos 93 Diversity + /Type /Page WebYour experience matters. BBB Business Profiles generally cover a three-year reporting period. /Parent 11 0 R document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); My Guide to Getting Out of Debt With Proven Methods and Smart Ideas, Major Changes to All Your Federal Student Loans to Be Eliminated in Bankruptcy, Those That File Bankruptcy Do Better Than Those That Dont, Why Income-Based Student Loan Payments Can Be a Terrible Trap. Many debt resolution (also called debt settlement or debt negotiation) firms target with significant credit card debt and promise to negotiate with their creditors to settle obligations for less than the consumers owe. /CropBox [0 0 612 792] /Type /Page 48 0 obj /Type /Page endobj /AA 5 0 R 63 0 obj I contracted with Monarch Legal on Feb., 2020 because I was unable to pay all of my credit card debts from a serious drop in my What do you think? None of the many publicly accessible consumer complaints filed against Monarch mention bankruptcy proceedings, even though one consumer inquired about it. 29 YEARS OF OPERATION 2,227 EMPLOYEES 72,097 UNITS 305 COMMUNITIES 20 STATES Therefore, Monarchs attorneysboth in- house lawyers and those hired on a contract basisare not engaged in the practice of law. Given those significant fees, the consumers potential savings on the amount owed was far less than Monarch advertised and explained. This consumer had paid $3,616.80 to Defendants, but Defendants charged over 96% of these paymentsor $3,476.21 as fees. 15 0 obj /Contents [190 0 R 191 0 R 192 0 R] 19 0 obj /MediaBox [0 0 612 792] /Parent 9 0 R endobj /Contents [118 0 R 119 0 R 120 0 R] /Type /Page /Resources 249 0 R If we can verify it in our system, an email will be sent to you with your password. /Resources 121 0 R >> /Parent 9 0 R >> Your experience matters. Change Your Mindset. /Parent 12 0 R But when a consumer stops making payments to creditors, he or she is likely to face adverse effects, including (1) a sharp decrease in their credit score; (2) calls from collections agencies; (3) a rise in debt due to late fees and additional interest; and (4) lawsuits by creditors, who often seek to garnish wages and enforce judgments by other means. /Contents [226 0 R 227 0 R 228 0 R] Login to participate on the website. All at ZERO COST to you. One consumer wrote: I would like at least a refund of 995.00 since I didnt receive legal representation. Defendants refund policy provides no such right to be refunded legal fees. Monarch Legal Group is not responsible for the accuracy or correctness of the opinions or comments. Fax (877) 300-6215. /Parent 9 0 R /Parent 8 0 R By structuring its debt relief program as an offering from a supposed law firm, however, Monarch purports to avoid the requirements and restrictions of the DSCPA and similar laws. /CropBox [0 0 612 792] endobj /MediaBox [0 0 612 792] /MediaBox [0 0 612 792] /Parent 8 0 R /Annots [] /Parent 4 0 R /Parent 8 0 R /PageLabels 3 0 R << /Annots [] >> 45 0 obj Defendants charge a slew of other fees, including a Retainer Fee and a monthly flat Legal Administration Fee. In the contracts viewed by the City, Defendants Retainer Fee was $995 and the monthly Legal Administration Fee ranged from $55 to $89. Consumers who are struggling with debt care very much about how much money they will be able to save, and Defendants knowingly overestimate those amounts. /Rotate 0 endobj How to Get Out of Debt. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. WebContact Us Monarch Legal Group Contact Us Address 203 N. LaSalle, #2100, Chicago, IL 60601 Phone Phone: 877-450-8853 Fax: 877-300-6215 Email << On information and belief, Defendants do not care about consumers successful completion of the plan because their up-front fee structure allows them to make most of their profit during the first year of the payment program. endobj /Rotate 0 Monarch promises in promotional materials and in retainer agreements that it will provide Litigation Defense Services in the event the client receives a Summons and Complaint from a creditor or debt collector for non-payment. /Parent 12 0 R >> Monarch tells prospective consumers that its client services team (which, in reality, consists of Strategic employees located in another state) will assist [customers] in arranging to speak with an attorney to provide legal advice or respond to legal questions. /MediaBox [0 0 612 792] 0330 127 8888. 28 0 obj The Citys investigation indicates that even when Defendants agents negotiate settlements with creditors on consumers behalf, they do not act in consumers best interest. By the time Defendants began negotiating down the debt, the $910 debt had risen to $1,827.01. How to Get Your Money Back From a Debt Relief Company if You Feel Like Youve Been Scammed, What Repaying Your Debt Will Cost You in Retirement Calculator, The Truth About The Success Rates, Failure Rates, and Completion Rates of Credit Counseling, Debt Settlement, Bankruptcy, and Debt Consolidation Loans. /CropBox [0 0 612 792] >> An obligation to make oral and written disclosures to prospective consumers, including a warning that debt settlement services may not be suitable for all consumers and that consumers should inquire about other means of dealing with debt, including, but not limited to, nonprofit credit counseling and bankruptcy. 225 ILCS 429/115(a). Monarch Solicitors. endobj /Parent 10 0 R << << WebView customer complaints of Monarch Legal Group, BBB helps resolve disputes with the services or products a business provides. /Annots [] /Rotate 0 Voice your opinion today and hear what 47 customers have already said. This website is an advertisement. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile. /Rotate 0 /CropBox [0 0 612 792] When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints. In the first 12 months, Defendants collect their service costs and retainer fees. /CropBox [0 0 612 792] 54 0 obj /Type /Pages To reduce its fee and finish the last two settlements! /Rotate 0 Based on the foregoing and on information and belief, Monarch attorneys often if not always fail to provide individualized legal advice and therefore are not engaged in the practice of law. Strategic created a wholly-owned subsidiary called Carolina Client Services, LLC to carry out the solo practitioners debt settlement program. /Count 52 Over the course of 2 years, I sent Monarch almost $1200 per month and I stopped paying my cards as they instructed me to do. /MediaBox [0 0 612 792] As the sole member and manager, Burnette has controlled and continues to control Defendant Monarchs conduct, including its arrangements with Strategic and other third-party vendors that carry out the debt resolution program. 27 0 obj >> Defendants know or should know the impact of omitting interest. /Rotate 0 << The city`s investigation did not reveal any /Rotate 0 Then I was told I qualified for a debt consideration program. Moreover, the outside attorneys that Monarch contracts with repeatedly fail to appear in court and rubberstamp negotiated settlements even when a consumer could not possibly comply with the terms. /Parent 8 0 R WebMonarch Legal has completely shut me down. ] As described in Section VI below, Monarch repeatedly fails to provide those services. Angelo, Im seeing a disturbing trend where companies are waiting for clients to get sued and then dropping those accounts and rejecting account refunds. << >> Defendants also repeatedly fail to provide litigation defense services to consumers when creditors sue them. /Rotate 0 /CropBox [0 0 612 792] endobj Resolution Sought 29 0 obj /Resources 205 0 R /Type /Page See BrokerCheck by FINRA, James M Katayanagi, available at https://brokercheck.finra.org/individual/summary/4890437; Complaint, Department of Enforcement v. James M. Katayanagi, (FINRA Office of Hearing Officers, Proceeding No. In a previous phone call, a representative said Monarch would resolve the lawsuit to avoid garnishment. In practice, the refund policy serves only as an advertising tool used to induce consumers into trusting Monarch even though most consumers will not be eligible to get a refund. >> That law requires debt settlement companies to register with the state and restricts practices likely to harm consumers. endobj endobj /Annots [] The creditor filed a motion to reinstate and for default judgment for failure to pay the settlement payments, and the consumer was left vulnerable to wage garnishment and other negative consequences. /Contents [102 0 R 103 0 R 104 0 R] /Contents [270 0 R 271 0 R 272 0 R] /Type /Page WebMONARCH LEGAL GROUP AKA BURNETTE LEGAL GROUP INVOLVES TIMOTHY BURNETTE AND JASON BLUST. /Rotate 0 In other instances, Defendants assure consumers that Defendants will handle the litigation and, when an attorney fails to appear, the court enters a default judgment against the consumer. 6 0 obj According to the script that outside paralegals or notaries read at these short meetings, a Monarch attorney reviews the consumers file after the meeting and calls the consumer within a few days of the meeting. Despite the overwhelmingly negative reviews, Defendants quote five positive consumer reviews in an advertising brochure titled: Reducing Your Debt & Restoring Stability to Your Life: A Welcome Guide to a Fresh Start. These comments are quoted to Vanessa R., Richard D., Jack F., Amanda G., and Nick L. On information and belief, these five reviews are fake. >> Complaint Resolution Index (CRI) Explained. One consumer told the City that after making regular payments, he received a summons from a creditor and promptly contacted Monarch. endobj /Rotate 0 << 61 0 obj /Parent 8 0 R Despite paying a monthly retainer fee for a lawyer, the consumer responded to the summons and defended himself in court. /CropBox [0 0 612 792] BBB is here to help. << /Kids [25 0 R 26 0 R 27 0 R 28 0 R 29 0 R 30 0 R 31 0 R 32 0 R 33 0 R 34 0 R] 52 0 obj /MediaBox [0 0 612 792] /CropBox [0 0 612 792] << /Kids [8 0 R 9 0 R 10 0 R 11 0 R 12 0 R 13 0 R 14 0 R] The City therefore alleges that at least insofar as the practices at issue here are concerned, neither Defendants nor their employees engage in the practice of law. It is not a lawyer referral service or prepaid legal Defendants contracted with a local attorney, not employed by Monarch, to represent the consumer in a lawsuit by a creditor. /Contents [194 0 R 195 0 R 196 0 R] How Do I Get Out of Debt Quickly? /Resources 181 0 R Amount in Dispute: $8,600.00 /Annots [] << endobj endobj WebMonarch Recovery Management is a collection agency based in Pennsylvania. In one example, a consumer paid $320 in Settlement Payment Fees. << View complaints, reviews and check out how /Contents [71 0 R 72 0 R 73 0 R 74 0 R 75 0 R 76 0 R 77 0 R 78 0 R 79 0 R 80 0 R] /Type /Pages The complaint filed by the City of Chicago contains the following statements. One Google reviewer wrote that all the good reviews [about Strategic] reviewer are FAKE. /MediaBox [0 0 612 792] [email protected]. /Parent 11 0 R The City reviewed each of the three separate consumer files that Monarch provided to identify a clear pattern. /Contents [230 0 R 231 0 R 232 0 R] You can learn more about Steve. /Parent 12 0 R /CropBox [0 0 612 792] >> endobj endobj >> 10 0 obj << Monarch Legal Group is a private law firm and is not affiliated with any governmental agency, quasi-governmental agency, or charitable organization. Visit Salary.com to find out Monarch Grand Vacations salary, BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. /Rotate 0 Both these promises appear in the Payment Schedule section of Monarchs retainer agreements. The majority pay is between $84,341 to $108,233 per year. While Strategic and its subsidiaries process consumers substantial payments, provide ineffective customer service, and may negotiate with creditors, Monarch convinces consumers that a law firm is providing the debt resolution services. Income and expense information dictates consumers capacity for monthly payments. Copyright 2020 Business Consumer Alliance All Rights Reserved. The Act prohibits charging any type of fee other than set up or enrollment fee of no more than $50, and a settlement fee in certain circumstances. /CropBox [0 0 612 792] /Parent 9 0 R /Parent 10 0 R After the entry of judgment, Defendants negotiated a settlement. endobj Though the Defendants program makes many consumers worse off, the companies succeed by collecting substantial fees, refusing to provide contracted-for services, and continually attracting new program participants by deceptive marketing tactics like fake reviews. /Annots [] These firms push consumers to enroll in programs with significant advance fees. /Resources 269 0 R Monarch Group, Inc. is a successful information technology firm offering a full range of IT services from planning and design to systems integration, from software development to business enterprise plans, from network design to hardware and software support, and from product reseller to disaster recovery.
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