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Testimonials

CRN has helped hundreds of debt-stressed consumers resolve their debt problems. Here are some of what our grateful customers have to say about
us. (Names have been removed from quotes to protect the privacy of our
customers.)

"Whenever I purchase something, like most people, I do research. I had several debt settlement companies call me after I had filled out my information on their website. I talked to several companies and actually visited a couple of them, but their model of taking fees up front and basing it on the entire amount of the debt and not the actual debt settled kinda didn't make sense to me. Also, setting up a bank account with some obscure bank out of state that the settlement company help set up didn't bode well with me. So, I was scouring the internet and came across a company called CRN. I talked with them and knew within 15 minutes of talking to Michael that this was the way to go.

(cont'd)Their fee, being the most reasonable, made sense to me too. Most everybody wanted 20% of the total debt load; CRN wanted 15% of the debt reduced. Also, CRN sent me a whole debt settlement packet which included good information on DS as well as very informative CDs; count 9 of them! That information in the packet along with Michael's acute consultation helped me settle my debt of $60K in 6 months! Nobody I talked to was even close. Thanks to CRN, I have settled all 3 of my accounts for 30~35% on a total balance of almost $60K! And I started this process in August of 2009! I couldn't not have done so well in such short time had it not been for CRN. Their model is transparent and to the point. I strongly recommend anyone considering debt settlement to consider CRN. You will not regret it!"

"In July, I lost my job as a pharmacist that paid over $110K. Due to my age (71), my health situation (significant foot and leg problems from complications of diabetes), and the state of the economy and job market, I was unable to replace my job. I was left with a total monthly income of just over $4K, consisting of social security for myself and my wife, and a small retirement check from an earlier employer. I had accumulated over $57K in credit card debt due to medical expenses, funeral expenses for my daughter who died from complications of substance abuse with no insurance, and legal costs from my granddaughter's problems with drugs...amounts I could have paid off in 2 or 3 years, had I not lost my job. I was facing bankruptcy and feeling hopeless. I found CRN, Michael Bovee and Dean Gerhart online through a Google search, and after hearing what they could do in terms of debt settlement, and doing some due diligence on CRN, I hired them to settle the 4 credit card accounts. They were very professional and very up front about what they could do (making no wild or rosy promises - only a vow to negotiate the best possible deals with each bank). For modest fees (less than $1,100 in total), they were able, in 4 months time, to settle these 4 accounts that totaled $57,523 for $12,585...21.9% of what was owed. Although my credit scores got some unavoidable bruises, my credit report now shows no balance due (no credit card debt whatsoever). I feel like a giant weight has been lifted off my back, and I can, without reservation, recommend CRN to anyone who feels they have a need for this kind of service. There are a lot of unsavory folks in this industry, but they can be avoided by choosing CRN."

"CRN has made this entire debt settlement tremendously stress free. I was
able to focus my efforts on generating and saving the funds necessary to
make the settlements at the appropriate time. I am so happy and grateful I
didn't attempt this on my own. The peace of mind, reassurance, knowledge
& skill of debt settlement was well worth it, no question. My Debt Specialist
was totally professional and he had my confidence from the beginning. I
was impressed with the fact that he took the time to familiarize himself
with my personal and financial situation long before he began to talk about
CRN. He patiently answered all of my questions on numerous occasions,
was responsive to my calls and emails. And there was no pressure to sign
with CRN. CRN has made settling my 42K about as pleasant and stress-
free experience as one could ever ask for. Without hesitation, I would recommend
CRN to anyone."

"When I first signed up for the program I received the cds and printed material and studied them and they were a great help and reassurance, but as you get into the process you end up with so many questions and concerns that nothing takes the place of that live voice on the phone or an email. The help of the specialist I worked with was critical to my success...with the help of my specialist I have settled 4 accounts of nearly $40,000. I don't know what I would have done without the specialist's help."

"I would like to say that CRN provided a light at the end of the debt tunnel for me.  I've only closed 1 account out of 4, but I can see and manage how I will close my debt. My debt specialist has been a huge help getting me set up on the right path. His consultation has been great in coaching me and giving me advice on how to handle my creditors and my finances. I would recommend CRN to my friends and family."

"...with the help of my debt specialist and Consumer Recovery Network I am now debt free.  I owed over $12,500 dollars in credit card debt and settled it for 2,700 dollars.  I am so grateful. I have an amazing credit score and only one major credit card that we pay off every month now. Thanks so much."

"CRN has worked very well for me. I listened to the tapes thoroughly and was able to settle my 2 largest accounts on my own. My coach has been a tremendous help with this program. He is handling 2 of our remaining accounts that had been turned over to lawyers. As we speak, he has already settled one of them, thus avoiding my appearance in court. I hope to be debt free by July."

"I am writing to tell you how very pleased we are with the service that our Debt Specialist has provided us. We are in awe of her knowledge and abilities to achieve exactly what her goals are when communicating with professionals on behalf of her clients. She is very well spoken and very much respected by the people she does business with as well as her clients. She also has an inate (sic) sense for follow up and knows exactly how to word letters, memos, etc. to achieve the necessary result, her written documentation is extremely thorough and accurate.  We think she is a genius and count our blessings that we were introduced to her in a time of real need. We would not hesitate to recommend her to others."

"In the summer of 2007, I put my trust and my money into an account with the Consumer Law Center, in the hope of trying to settle credit card debt that was becoming a problem for me. The people at the Consumer Law Center took my money, and gave me nothing in return for a year. I was served with a lawsuit for a Bank of America account, and I discovered that CLC was being taken over by a receivership and that not only were they not able to practice in my state, they were not allowed to take any new clients anywhere. I was desperate to find someone to help me, someone who would be honest with me. I was so fortunate to find Consumer Recovery Network. My debt specialist helped me to settle my account and to dismiss the lawsuit. Since that time, she has helped me to settle three other accounts. I am impressed with CRN and their honesty and their direct approach to me, as a client. They return my telephone calls, help me when I need help, and they have compassion for me, the client. I am very grateful for their help and for the professional knowledge that they bring to their work."

"CRN has made a tremendous difference in our lives because the harassing phone calls have stopped and we can now sit down and enjoy our dinner without the annoying interruptions. Hallelujah!!"

"Bobby and I both feel like we have had a huge weight lifted from our shoulders! It is like a new lease on life and we owe it all to our coach and CRN! We started this journey about 7 months ago because we had no other choice, neither one of us truly believed it would be completed this soon. Our coach was wonderful and basically made this whole process painless. He was very professional and gave us all of the information we needed to get through the process. We did our part to the best of our ability and then he handled everything from there. In the beginning we were so desperate for a solution we went with another "very large, media advertised, debt settlement company". We realized very soon it was not going to turn out well and when we tried to get out of it only after a few weeks, they burned us for over $500. We realized they did not care about us or our situation, just our money. CRN was completely different from this. We believe CRN is reputable company that truly has the consumer's best interest in mind!"

"Hello! My husband and I sought CRN's help sometime last summer. I had a couple of credit cards that were maxed out and I owed about $11,000 and my husband had several and we were probably in debt a total of $80,000. Our coach for the duration of this very stressful period of time besides being very professional and extremely nice, has also been very reassuring and has made us feel very good about our situation and the path we have chosen to take. It hasn't been easy, but we have paid off both of my accounts and will have 1 of Brian's accounts paid off at the end of this month and another one paid off in July. Those were 2 of his really big accounts that were both over 25,000 dollars. After that we have 2 more accounts of his to try to pay off and then hopefully the nightmare will be over. We have definitely been struggling to make the deadlines that each credit card has offered us and it definitely has not been a fun process, but we have learned from our mistakes and are handling our spending differently now. It is so easy to get into the predicament that my husband and I have gotten into and I don't know what we would have done had we not heard your commercial on the radio on the way back from a convention last June. Our coach has been such a help in dealing with all of this and we appreciate being able to take advantage of your program. Thank you so much."

"My husband and I are clients of CRN. When our financial obligations became overwhelming for our family, I did a lot of research to see what our options were and what would be best for our situation. Debt settlement seemed the way to go. After comparing several debt settlement companies, CRN seemed to stand out. We would be given a coach to help us work through the debt settlement process and CRN was only charging 15% of what they saved us, not 15% of the entire balance owed to the creditor. I was impressed that the initial fee charged would actually be credited toward charges incurred as a result of successful debt settlement agreements.  In addition, we would be given an 8 CD "course" and guide to help us eliminate our debt once and for all."

"The program so far has worked well for us. Our Debt Specialist is in constant communication with us via phone and email.  Some of our creditors seem to be particularly vicious and have sued us, skipping the collection process entirely. All of this is new to us and, of course, has made us very nervous. However, our Debt Specialist has been very kind with his words and has assured us that he is there to help us. He has done just that. He has helped to guide us through some difficult moments and also provided advice on a settlement offer we receive from one of our creditors that was too good to pass up. Although we are only a quarter of the way through the process, and still expect some rough terrain ahead, I know that we made the best decision going with CRN and know that our Specialist will continue to dedicate his knowledge, time and effort to us as long as we need him. "

"Thank you for all of your help?! We have one settlement payment left to B of A and three other accounts to settle, but I feel like we are already done! It has been such a weight lifted off my shoulders and we owe you such a big 'thank you'!!  It got a little stressful there for a while, but you talked us through it and now we are almost debt free! :)"

"We want you to know how professional, energetic, and empathetic our Debt and Credit Counselor Coach has been. She has been amazing!  Our circumstances have not been easy, but she has persevered through them."

"Please pass this letter along to anyone that is considering hiring CRN to help them out of a financial jam. I want everyone to know what you guys can do for them and that there really is a better alternative than these debt settlement companies we hear about on the radio. I can't believe what you guys have helped me accomplish in just 6 short months. 12 months ago in January of 2008, I realized that I had a problem. My income took a dramatic turn down and I was looking at $127,000 dollars in credit card debt with no feasible way to pay it. I hated the prospect of having to go bankrupt so I set out to find a solution. You name it I researched it.  I looked at everything from consumer credit counseling, debt settlement even bankruptcy. Nothing I found made sense for me. I couldn't qualify for the monthly payment with consumer credit counseling. I refused to file bankruptcy and every single debt settlement company I spoke with was much more interested in charging me $20,000 to $30,000 dollars in fees than they were in actually creating a plan to help me."

"After about 6 months of searching, I was lucky enough to find you guys. I signed up because I could see that you guys were completely different. You put your clients first and I can't begin to tell you how much of my life you guys have given back to me. You guys put together a plan that allowed me to start settling my debts very quickly. It is now Jan 2009, just six months after I found you and requested your help. To date we have settled $115,000 of the original $127,000. I only have two cards left to go and those will be completed in the next few months. We settled the $115,000 for about $40,000 dollars. In a few months I will be completely out of debt and will have settled everything for about $45,000 dollars. You guys saved me over 80,000 dollars in less than a year. I am so glad I listened to my gut instead of the sales pitches of all of those debt settlement company rip-offs. Had I gone with them, I would have never been able to settle my debt this quickly. In fact I would have just recently finished paying all of their fees. It is criminal what those companies do to people that are desperate for good advice. If I could tell people one thing, I would say, if you think debt settlement is a good option, look at CRN. Compare the individual plan that CRN will create for you to anyone else and then go with what makes sense. In six months I never found anyone that would even come close to providing me with what CRN did."

"There is nothing like this feeling of being debt free. Free from the stress, the worry, the anxiety. All the folks at CRN have given me this freedom, you have given me the ability to enjoy my life again. Thank you again, so much for all that you guys have done for me."

"While supporting a family and completing a masters program my debt just became too overwhelming to handle on my own. I was considering a Debt Settlement approach to dig myself out. After working with CRN for a few weeks, I was fully educated on all of my options and had a full understanding of the Debt Settlement process. The education that I received from CRN helped me to conclude that, unfortunately, a Ch. 7 Bankruptcy would be a better route for me to take, given my circumstances. I appreciate that there is an honest and ethical company out there that is willing to put their clients' needs ahead of their pocket books. I would recommend CRN to anyone struggling to find the right solution to their financial situation."

"...I received notice from the sheriff department that the bank had put a lien on my property and would be confiscating my personal property in an attempt to pay back my credit card debt. A friend of mine suggested I contact Consumer Recovery Network to see if they could help. ... The service I received was professional, knowledgeable and informative. My debt problem was addressed immediately. They saved me 40% ($44,000.00) on my outstanding credit card debt."

"...we now have zero credit card debt and a much happier relationship and a more satisfying and comfortable life. We were very pleased, not only with the outcome, but also the education we received through conversations with you and (using) the workbook and CDs...All were in easy-to-understand language and gave clear and simple steps for us to achieve our goals."

"I can't thank my credit coach more!! After putting 2 children through college and having some financial setbacks, I found my home equity on the line and I was drowning in debt. A friend told me about the credit coaches at Consumer Recovery Network and within weeks I was able to settle my debts with their coaching and assistance. Not only did I save $25,724; I now have my life back and can sleep at night. Thank you, I could never have done it without you."

"I was very impressed with the seminar and how the process works. It also gave me more self-confidence. I have been able to settle 5 of my 6 credit cards so far."

"This course definitely more than pays for itself. I have had it less than a year and have settled four accounts already. Three at 35% and one at 33%! In total we saved over $26,000. We wouldn't have been able to afford not to file for Bankruptcy before ordering this course. Right now I'm starting to repair my credit on my own. Without this course, the Bankruptcy would be on my credit for 10 years with absolutely nothing I could do about it!"

"Your course has been a great benefit in dealing with creditor phone calls."

"I think it is wonderful to have someone like you out there, to help people with these type of circumstances. So many, like myself, don't know what to do or who to turn to. Keep up the good work!!!"

"When we purchased your seminar, we were seriously considering bankruptcy. We had over $130k in credit card debt. The fear of the unknown kept us from sleeping well or enjoying daily life. Your seminar contained the information we needed to calm our fears. We are now sleeping at night without worrying about our creditors. Most of them sent letters offering to settle — one of them for 35%. Several are now with collection agencies and your seminar explains very well how to deal with them. The bankruptcy option is still open, but we don't intend to use it at this time. Thank You very much for your help."

"The package is perfect. I think it's well worth every penny."

"I was just about ready to sign up with a debt settlement company and was glad I could do this myself. I have just received my first settlements for 40%. I would recommend this seminar to anyone that feels they are over their head in debt."

"I had no idea how to go about clearing up my debts, but after listening to your program I have succeeded in doing settlements for 50% or less. I think this is a great program and more people should order it to be familiar with their rights. So many people have no clue where to begin. This way they will truly understand."

"I have just finished listening to the CDs and reviewing the workbook. Your material has replaced my fear with knowledge. I now know what to expect and what to do through every phase of the process. The cost of your seminar, combined with the security blanket of having access to your personal support is far beyond 'reasonable'. It is priceless."

"Great training in negotiation. What is really appealing to those of us who are behind is your encouraging tone that the sky is not falling."

"The thing I like most about the strategy is that it is just that — a strategy — with clear simple goals and a step by step way to get there."

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