Robert K Lock, Jr
The following quoted content has been taken directly from www.ccdnlaw.com as of 01/12/2010.
Mr. Lock is a practicing attorney based in Chicago, Illinois, specializing in negotiation and litigation of credit collection matters. In addition to his law practice, Mr. Lock is the driving force behind the Credit Collection Defense Network, a nationwide network of attorneys focusing on the defense of Americans in abusive collection matters. Bob brings over fifteen years of multidisciplinary experience to the credit collections litigation arena. For his entire career, he has devoted the majority of his time to litigating and regulating abusive monopoly business practices on behalf of American consumers.
Prior to starting his own law practice, Mr. Lock was the President of Competitive Strategies Group, Ltd, an aggressive and innovative company focused on competitive entry into deregulated local utility markets. Mr. Lock also served as a legal and policy advisor at the Illinois Commerce Commission, where he analyzed complex financial, economic, legal and regulatory issues in monopoly utility regulatory proceedings. Prior to his work at the ICC, Bob worked as an Assistant States Attorney, where he represented the People of Cook County in monopoly utility regulatory matters.
Mr. Lock received his BA from the University of San Francisco, his JD from John Marshall Law School, and is currently a PhD candidate at Northwestern University. Bob is a member of the Mayor of Chicago’s Council on Technology Advisors, as well as the Chicago and Illinois Bar Associations. He has published numerous academic articles on legal and policy issues related to the regulation of monopoly business practices.
So I’m curious. If you were really interested in exposing all aspects cf CCDN, LLC’s operations, why have you never mentioned the hundreds of attorneys who are in the network, and the hundreds of consumer complaints that were forwarded to those attorneys?
PORTION OF COMMENT REDACTED
Finally, why have you neglected to expose Paul Cohen for the liar and fraud that he is?
Mr. Lock,
If you wouldn’t mind, could you please inform me who Paul Cohen is and how he’s involved with any of this?
Also, I’ve redacted some of your previous comments you posted. Maybe try posting again while being a little more professional and not making statements against others which have nothing to do with the issue here.
Thanks!
Nice try Chris. Everyone knows you are behind this site. There is nothing unprofessional or untrue in anything that I have posted. You just don’t like the truth. As always, the truth wins out. And the truth is your dropping the ball on consumer complaints and blowing the statute of limitations is behind your pathetic attempts to smear those of us who were foolish enough to trust you as a consumer advocate. Hundreds of other attorneys have filed or settled claims that came from CCDN, LLC, but you were incompetent to do so.
Mr Lock,
I’m assuming you believe I’m an attorney that you have previously dealt with. Actually, I’m a “customer” of yours who fell for your scam. It’s not important though WHO is the admin of this website. What IS important is that everything here is TRUE, and I’m not going to allow personal attacks like the comments you tried to post regarding anyone whom you dislike. If you are going to post, try to post something TRUTHFUL and there is no need for personal attacks.
And yes, the truth WILL win out.
Paul Cohen was one of CCDN’s original marketers. His website is still active: http://www.creditdefenseleague.com/
Mr. Lock,
You are indeed both unprofessional and dishonest. While here in Michigan you may have an attorney or two that you are doing business with; however, I would be curious as to how many of your referred clients found themselves filing bankruptcy with “your” network of attorneys rather than resolving their debt issues through your process. Your process was “allegedly” an alternative to bankruptcy. Your program is a SCAM. I know because I am a victim of your nonsense. Consumer advocate from your mouth is just another misleading buzz word. I believe eventually & coming soon….the truth will have consequences for you. I cherish the moment – as do all of your other victims.
Well if it’s the truth that you are looking for, then look a little harder. We have hundreds of cases that were referred to attorneys across the country. Significant settlements have been made and debt significantly reduced or totally discharged as a result of the work of the paralegals and attorneys in our network. Thanks for posting the West Virginia complaint. Just a quick read shows the “depth” of the investigation that was conducted there.
The suit says CCDN was performing debt settlement and credit repair. I built CCDN and noone in this organization was ever authorized to do either of those things. CCDN, LLC tries to educate consumers to defend themselves against debt collectors. Where our clients have done so, and provided call logs and other evidence of abuse, we have done considerable damage to abusive debt collectors.
I do appreciate your position, even though you hide your identity like so many others on the internet. The reason CCDN, LLC is in the position it is is a whole lot more complex than you make it. Relying on marketers who would lie to make a sale and then hope that the paralegals and attorneys at CCDN could eliminate consumers debts for several thousand dollars was our first mistake. This has led us to where we are today.
Hundreds of thousands of dollars of consumer’s money has been stolen from CCDN by lying marketers like Bob Lindsey, R&G Marketing, Active Debt Solutions, Paul Cohen, and a host of others. Hundreds of consumers consitnue to be assisted by CCDN despite our never having received a dime for that service. Cases are going to attorneys and consumers are being helped. Can I guarantee that a consumer can pay a few thousand dollars and have all of their debt eliminated? No, and any consumer who REALLY thought that was possible, should have their head examined. That is why disclaimers are placed throughout anything I have ever personally produced.
For anyone who was lied to, or whose money was stolen by anyone associated with CCDN, LLC, I sincerely apologize and ask for your forgiveness. I did not participate in any misrepresentations or thefts, but my name and CCDN, LLC’s name, as well as our reputations were attached to these actions and now we are tasked with clearing both.
The purpose of CCDN has always been to help, not hurt people burdened by debt. That purpose was hijacked and ultimately ruined by others outside of my control. I will continue to help all who I can and pray that in the near future we can get CCDN into a position where it can live up to everyone’s reasonable expectations on relief for consumers.
In the meantime, I do not begrudge you for your positions here, and I will do whatever I can to provide information to assist any of you in any way that I can.
Oh Bob,
Seriously? Educating the consumer? John Hagerstein and his monthly educational series came long after I invested $4,500 into your program. Do you really think that anyone who is already in finacial distress would spend that kind of money on an “educational series”? That was just another series of buzz words to get your behind out of trouble. What you sold the public was attorney help that you never provided, nor intended to. That was the sales pitch and that’s how you misrepresented yourself, amongst another ways. You used your Illinois State Attorney licensing and everthing else you boasted about yourself to acquire clients and their money. Quess what Bob, I’m still a client. I didn’t walk away or drop out of the program…you did.
As long as your offering up information. How about when my alleged Federal Complaint was forwarded to your office from Jen Divine and I thought I would inquire about an attorney in my area? Hmmm, Colleen Lock, CCDN Administration, was ever so kind to supply a name of an attorney within the network, BUT not until I forwarded another $3,200 by certified check to your office. Now let me see…….you’ve already received $4,500. and now you would like another $3,200 before you could release even a name?
By the way Bob, just how is my Federal Complaint going? Last I heard from your support group, the judgment was being “cleared through the courts”. In addition, Phil Manger your associate in crime, via my BBB rebuttal, stated the attorneys were still working on our files. Exactly what attorneys would that be??? Perhaps you could “provide information to assist” me in any and all of the above mentioned, any way you can.
Karma911’s post above couldn’t be more accurate. I’m not sure where to start with this one. I have many questions.
Question 1: Mr. Lock…What on earth are you smoking?!?!
Let’s start here. “Hundreds of thousands of dollars of consumer’s money has been stolen from CCDN by lying marketers like Bob Lindsey, R&G Marketing, Active Debt Solutions, Paul Cohen, and a host of others.” SERIOUSLY? What’s the issue with the marketers you’ve hired? A statement like this makes it seem like you’re targeting scammers to promote your product.
Why are you so willing at this point to state “I will continue to help all who I can and pray that in the near future we can get CCDN into a position where it can live up to everyone’s reasonable expectations on relief for consumers”? Why has it taken lawsuits and exposure to make a statement like this? Where were you 8 months ago when I mailed you a letter (which you received) and completely ignored???
You stated “The suit says CCDN was performing debt settlement and credit repair. I built CCDN and no one in this organization was ever authorized to do either of those things”. Why when Jen Devine and Tom Roberts let my ONE violation exceed the SOL that they offered to assist me settling the account for $200 more? What were the letters that I was instructed to send the credit agencies disputing all the negative items on my reports (which had ZERO effect by the way)? Also, PHASE ONE of your program is titled “CREDIT RESTORATION”. It’s stated in black and white in YOUR program enrollment guide! I thought you said that your company did neither of these things.
Mr. Lock, I’m not at all happy about making a site to expose your scam. This isn’t fun for me but I feel it’s the only moral thing to do to hopefully prevent others from falling into your scam. I find it funny that once my concern about your program was brought to your attention (via my letter to you last year) that you disappeared, however when I expose my concern and your scam online and to the public, you suddenly appear again.
If you were truly sorry for your actions (and not just sorry that you were caught), you would have assisted us when it was brought to your attention the first time. Your sincerity in your apology is only as meaningful as the methods you used to market your product and deceive your target victims.
Mr. Lock (and Manger and Lindsey),
You should know me, afterall, you should know most all of your previous clients who are actively suing you. If you don’t know me let me be real by telling you my name is Sharon from North Carolina. I am not very fearful these days so fire away at me if you so choose. To the point of why we are connected and why I sued you….I sued you as an after thought because I will be the first to admit it was Bob Lindsey who made the big promises, pursued me, and coerced me into believing that I could NOT ever win in court even with statutes of limitations on my side. I had answered my own summons, filed for requests for admissions,was in the process of filing for requests for production of documents, and even countered sued the plaintiff, pro se,and felt I was doing fine until an acquaintance of mine told Lindsey about me. From that point he (Lindsey) had his secretary (Linda) leave the first message (for me) on my friend’s phone telling me that “I would never win in court” and he and CCDN would pull my case out of state court, put it in federal court, and not only that but clean up my credit reports. I listened to the message several times, I even took notes. I went into court and got a continuance the next day then I got online and there you were, an actual company with Federal attorneys, this was quite impressive! So I actually fell into Lindsey’s scheme because YOU and CCDN were backing him, you gave him credibility.
Giving him credibility was a huge mistake from any lawyer. Did you check him out? You had the tools and means, he was previously in trouble with TX AG before and it seemed you handed your flock over to the wolves to devour. For me personally, I fault CCDN also because Lindsey knew I was past the statue of limitations on ALL my accounts. Furthermore, ALL my papers I filed with CCDN clearly stated I was past the statue of limitations on all my accounts. No one and I mean no one, even Phil Manger (who I told on the phone) ever said, “You should not be in this program…credit repair maybe but not anywhere else”. My money was taken and it wasn’t until I kept calling Lindsey that he gave me to Manger and Manger told me to call Chris Livingston and pay more money. Hmmmm, I thought I was not going to have to go to state court according to Lindsey and YOU Phil Manger (in case you are reading this)actually made me realize I had been scammed by Lindsey when you (Mr. Manger) said, “you are past the statutes of limitations??” Sure enough, in a phone group talk Lindsey said, “don’t bring in people past the statue of limitations”. So Lindsey brought me in, NO ONE in CCDN, Manger, Tracy Webster, and/or other employees that I spoke to ever did the honest thing and correct an overzealous Lindsey who took advantage of me by instilling doubt and fear in my own abilities to defend myself.
I asked Lindsey for my money back, all of it including the money I had to pay Chris Livingston and I was ignored until after I had already instructed Chris to file suit. Yes Mr. Lindsey you ignored me but that was a very touching Christmas card you and the old gang sent me at Christmas!! Having some Christmas fun with ill acquired funds I suppose, you even blessed me I think.
With all this said, in case you wondering why I became perturbed with you Mr. Locke is simply this, “I told Lee Bettis, your attorney, that “Lindsey was a crook” (from the first time I met him..Bettis) and YOU should be aware of that and YOU should make him (Lindsey) give my money back, all of it!! Obviously you did not and was not concerned that I lost money…and much sleep because Lindsey LIED to me. However, when you and Manger discovered he was taking money from you it was a different story, your corporation turned him into the Texas AG immediately! He was a lying self serving con … which leads me to my question….so what part of “Lindsey is a lying scum of the earth hypocrite and thief did you not believe when I repeatedly told Bettis to give YOU that message from me? Why did that only matter when he stole money from you and not me? And in the end and through this all Bettis, your attorney,knew I was telling the truth. In essence all that some of us wanted in the beginning was our money back that we had invested. And that Mr. Locke is “truth”. By the way….just who do end up with my money? Lindsey says you and Manger have it. If you do, please return it and if you don’t have it please let me know that also. After all, I do need to know who to send MY christmas cards to this year.
I guess Mr. Lock is at a loss for words. No reply Mr. Lock?