“Target Advance” and “Merchant Capital Partners” [(773) 657-4391 and (844) 852-6512]

The fun, such as it is, begins with a call from (773) 657-4391. You’ll be asked how long you’ve been in business, and what the turnover in your business checking account is. Pretty much, unless you tell them you’ve only been in business for three weeks and the account has a negative balance, you’ll be approved.

Upon approval, you are forwarded to a so-called “lender.” This person asks a few more questions. They sound very encouraging, and make sure they have your phone number to follow up. If you ask questions, they are vague, but make it clear that there’s no credit check, no background investigation, no due diligence. About the only piece of information you get is that they are “Target Advance.”

A few hours later, you get a call from (844) 852-6512. Now the company is “Merchant Capital Partners” or “Merchant Quick.” It is not clear from speaking to them that they are connected, but it seems that they are. These people ask more questions, and continue to extol the amounts they lend and the sparseness of the requirements for receiving the loan.

Where does it all go? Not sure, but it can’t be good. Advice: do not give these people anything like banking details. If they are persistent, demand that they remove you from their call list. If they don’t do that, waste their time on the phone, tell them you have been in business for twenty years, have a monthly turnover of just under a million dollars, and tell them you own the patent for alternating current.

Ryon Gambill: A Case Study in Irresponsibility

Ryon Alan Gambill was the operator of debt collector, Marauder Corporation, and other related companies such as Bill Collector in a Box. He also liked to use the initials “CPS” as people often thought it stood for “Child Protective Services.”

Gambill was the focus of many complaints. People complained that Gambill (and his collectors) were abusive on the phone, that they made threats of police intervention, and that they did not follow collection laws. Notably, it is well documented that Gambill abused access to the Experian database. He often made queries lacking permissible purpose. It is speculated that he was using Experian as a skip tracing tool.

Not surprisingly, Gambill was sued on many occasions. He always lost, resulting in default judgments piling up against him. It should also come as no surprise that criminal complaints were filed as well. Gambill has been convicted, in California, of harassment, and there is an outstanding Virginia warrant against him for the same offense.

Gambill was investigated by the State of California for improper activities, and, in 2007, the State of Oregon terminated his operations there.

Gambill lost his Palm Desert, CA, home in foreclosure. This is ironic, as it probably ruined his credit. He became his favorite insult, a “deadbeat debtor!”

At one point, Gambill took to the Internet to try to raise funds for a new collection agency. It would seem these efforts met with little success.

Eventually, things fell apart. (760) 423-1100 and (760) 423-1111 are now out of service. He appears to have closed down Marauder.

The question is, what is he doing now? Given his criminal record, certain jobs would be off limits to him. In addition, the presence of so many judgments should make employers wary, as they may not want to deal with garnishments. There is a “Zoominfo” profile claiming that he works for Oxford Law (a collection agency). However, when a law firm representing a party with a default judgment against Gambill attempted to serve him with papers there, they said they had never heard of him.

Here is a photo taken from Gambill’s Facebook page; the women in the pool are identified as Samantha Gonsalves and Sabrina Rindels. It goes without saying, but the tattoos and cigarettes are not part of a professional image:


This photograph begs the question: where is Christina Troll? In the past, it seemed Gambill was in a relationship with her. Troll, it should be mentioned, has several felony convictions in California. Nonetheless, she obtained a restricted real estate license and found work. One cannot help but comment that the two convicted criminals might have made an interesting couple. Nonetheless, Christina Troll was not at the pool this fine day. It is possible she and Gambill have parted ways, or, perhaps, she was actually working, while Gambill took some time off to relax and smoke.

In conclusion, there is little doubt that Ryon Gambill is irresponsible. No self respecting company should hire him, and individuals thinking of retaining him as a “consultant” should be wary. It is not clear what he is capable of delivering, with the possible exception of a great deal of trouble!

Improper Actions By GC Services And Experian

Go here to see proof of improper actions by GC Services and Experian.

Gurstel Chargo: Did They Harass A Disabled Veteran?

Go here to learn more about Todd Gurstel, whose law firm allegedly harassed a disabled veteran and improperly garnished his bank account.


Ocwen (ticker OCN): Junk Mail and Poor Service!

What’s going on at Ocwen?

Routine correspondence from them is full of solicitations for insurance products.

Are they in some kind of trouble? Could they be trying to raise cash by engaging in direct mail marketing?

Ocwen’s future is uncertain at best. Many analysts have rated Ocwen’s stock (symbol OCN) as sell for this reason.

Customers also complain about poor service-specifically, that all calls to Ocwen seem to handled by call centers in India.

Customers complain that the Indian employees often have poor comprehension of mortgage servicing, and, even if they do understand the problem, they are not empowered to do anything except ask the customer to send a letter to Ocwen’s offices in West Palm Beach, FL.

Checknet and Jessica Devenish: EPIC FAIL!

Read about the EPIC FAIL of Checknet and Jessica Devenish  here.

ZabaSearch: When Searches Go Wrong, Very Wrong…

Here is a very informative article about the problems inherent in the poor quality control (or maybe nonexistent quality control?) practiced at Zabasearch and its sister company, Intelius. Both are operated by former Microsoft manager, Naveen Jain.

John Dozier: “Inernet Lawyer” Makes EMPTY THREATS!

John Dozier is an interesting guy. You can go here to read about his “rise to fame” from a collections attorney to a self-proclaimed Internet expert. You’ll also find some hilarious correspondence from him!

Is The Bank of America Concealing Layoff Figures?

It would seem that bailout recipient, Bank of America, is concealing layoff figures by decreasing transparency in various reporting.

Is Wanda Williams of Experian Really a Chimpanzee?

You know what they say, put a bunch of chimpanzees in a room full of typewriters, eventually you’ll get Shakespeare.

It seems Experian’s customer service department is giving this a try.

Go here to view an incomprehensible letter from Experian.

Were they having an internal contest, “whoever writes the worst letter gets lunch with Don Robert” or something like that?

This is really bad!


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