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I am a client of Sifxpert and have sung his praises all over. No more!

We signed on with James last September. He told us in February that he had settlements on Nat City and BoA, which was true. Amazingly enough, the payments have been made to make these settlements but we have had no word from him on any other account or anything else.

He convinced us to rearrange some credit/debt and we took $13000 out from one CC to use as "settlement money". That money will never be seen again. In addition to that, he drafted our account for $4000.00. We are lucky in that payments were made in our behalf of a little over $5000.00 but we still have the $13K that is now debt--and the money is gone.

Today, while digging through this mess, I printed the settlement letter from BoA that he had forwarded to us. Comparing that to our online account, I couldn't figure out why he was only paying $1250.00/month when the letter clearly called for $2000.00/month. Then I realized--he doctored the letter! They had actually settled for $5K but HE TOLD US that they had settled for $8K! To top that off, the last payment had been returned unpaid. How--if he still has $8300.00 of ours??

I called BoA to see if I made the last payment of $1250, if the settlement would stand. Luckily, it will. I am waiting for them to fax that to me so I can make payment arrangements on that last draft. They never mentioned that the payments should have been $2000 so I know I am right--they were only expecting $1250. He was skimming another $3000.00 from us there.

While on the phone, we also discussed a second BoA account that we have. The nice lady settled right then and there on that one for 20%. Sif had repeatedly told the world that he was the only one who was able to get 20% but she started her negotiations at 20%! Wanting to get this behind me and on with my life, I took it and will make arrangements for those payments as soon as that fax comes through as well.

If you are a client of his, know that you are on your own and had better come up with a new plan. If you are a past client, I bet you still got skinned in ways you'll never even know.

I would love to recover some of the money but probably never will. I just want this whole mess behind me.

I wonder what all I will find when I go calling my other companies. I will keep you posted.

you are right dands (made it smaller), I have done the DYI myself with the help of others here, I think it is the bes and cheapest way.

Sub: #1 posted on Tue, 08/19/2008 - 02:55

Lukeskywalker Lukeskywalker

(Posts: 1909 | Credits: 185.22)

Apparently the guy ran off with a bunch of money Luke. It is a shame because a lot of people gave him money to settle accounts and he said they were settled but never sent the money. Instead, he kept the money at least according to other posters.

I agree with you Rickey. I have always been an advocate of DYI when it comes to debt settlement. I don't think the companies out there do a good job especially considering the amount of money they charge. I think that money would be better spent in settling your debts for a little more or spending it on a decent attorney if one of your creditors sues you. I certainly would not give a company direct access to my funds or power of attorney. They can just as easily do the settlment for you and then you make the payment. That is how an attorney would handle it.

Sub: #2 posted on Mon, 08/18/2008 - 20:03

Moderators Cum Industry Expert
(Posts: 1078 | Credits: 137.97)

I am not sure what happened to that bussiness are the people who trusted them to help. It is just that I was here when I first heard of Sifxpert and I almost went with them myself because I read nothing but good about that bussiness and I needed their help. Wow, how things can change in a years time. I do hope all come out ok with this.

Sub: #3 posted on Mon, 08/18/2008 - 03:23

Lukeskywalker Lukeskywalker

(Posts: 1909 | Credits: 185.22)

Find a young or old attorney close by that has some experience with CA's and their tactics and have them pitch in. It will expedite the process for you, relieve you of much of the stress and probably be a whole lot cheaper than the fees most of the debt settlement companies charge. You need some legal advice and most of these companies won't be able to provide you with legal advice......just speculation that could end up putting you into more problems.

Sub: #4 posted on Mon, 08/18/2008 - 02:29


I hear you and I agree to a certain extent. The problem is two of my accounts are suing me and I know enough to make me dangerous and feel I need a professional. Is there an organization that maybe I could call and get a reputable company? The others I feel I can do myself. I may not get as low settlements but at least I know where my money is going.

Sub: #5 posted on Sun, 08/17/2008 - 23:08


Above post suggested that ex-james lombardo clients find a credible program....... I don't believe there is such an animal. Starting to think they are all crooks. I have seen several clients recently resolve their own problems by negotiating their own settlements without any hefty fees being charged. At least they know what is going on each day and aren't leaving it in the hands of a company that only cares about their big buck fees.

Sub: #6 posted on Sun, 08/17/2008 - 09:26


Any ideas on what programs are credible? I'm so deep in hole now after what James did I don't know what to do and I can't file bankruptcy because of my job. Any suggestions?

Sub: #7 posted on Sun, 08/17/2008 - 08:42


You poor folks that have accounts left to settle, you better stay busy with that. Doors have been made open to collect on you now if he actually did part of his job right. Think about getting on a credible program.

Sub: #8 posted on Thu, 08/07/2008 - 02:25


At a minimum I would file a police report with your local police and with the police in his area. It won't take many complaints before a warrant is issued.

Sub: #9 posted on Wed, 07/16/2008 - 18:02

Moderators Cum Industry Expert
(Posts: 1078 | Credits: 137.97)

How horrible for all of you!! I'm SOO osrry this happened. I'm glad I din't get into the 'consolidation thing' with him. That's a good question...CAN anyone do anything about people, like this, that takes others for granted?

Sub: #10 posted on Wed, 07/16/2008 - 16:28

sdchargers_63 sdchargers_63

(Posts: 1798 | Credits: 179.17)

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