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Frequently Asked Questions


Q1. What is this all about/Why am I getting this notice?

    A1. In December of 2006 the Federal Trade Commission (FTC) filed a complaint against Express Consolidation and Randall Leshin. That complaint was settled, and as part of the settlement, any customer of Express Consolidation or Randall Leshin received a notice in 2008 telling them about the settlement and giving them an option to cancel or transfer to another debt service provider. On April 6, 2009, the Judge found that Express Consolidation, Inc., Randall L. Leshin and others violated a Court order by urging you and other consumers who cancelled to sign new contracts with Express Consolidation, Inc., Randall L. Leshin or Debt Management Counseling Center, and by continuing to collect from you under these new contracts. The Judge also found that Express Consolidation, Inc., Randall L. Leshin and others violated a Court order by contracting with you and other consumers in your state even though they did not comply with the legal requirements in your state.


Q2. What do I need to know about this Notice?


    A2. If you received this notice, you may choose to transfer your debt management plan to another credit counseling agency or choose to cancel your debt management plan completely. You may NOT contract with or continue to receive services from Randall L. Leshin, Randall L. Leshin, P.A., Express Consolidation, or Debt Management Counseling Center, Inc. The names and contact information for alternate credit counseling agencies are available by clicking on the tab for "Alternate Provider Information.".


Q3. When is the deadline to return my response?


    A3. June 29, 2009.


Q4. Is everyone who received a 2008 notice supposed to receive a 2009 notice?


    A4. No. Not all clients are receiving these 2009 notices. The clients receiving notices generally reside in California, Florida, Georgia, Kentucky, Minnesota, Nevada, Ohio, Tennessee, and Texas.


Q5. How will these choices affect me?


    A5. As the Monitor, I cannot give legal advice or financial counseling or say for sure how your choice might affect you. The notice you have received states:

    If you choose to stop making payments through a debt consolidation plan now or at a later time, you should be aware that discontinuing a plan may increase interest rates, end forgiveness of late fees, or change other terms of repayment of the debts covered by the plan. If you cancel your plan, you may also limit your ability to qualify for debt consolidation benefits in the future. You may be able to work out a payment plan with your creditors that includes interest rate reductions or other benefits without repaying through a debt consolidation plan or by using another service provider.

    Debt management plans are not right for all individuals, and you may decide to deal with your debts in other ways.

    Your creditors may report your participation in a debt management plan as part of your credit history and, depending on your circumstances, such reports may affect your credit rating or score.


Q6. May I select an option by telephone?


    A6. No. Even if you have spoken to someone over the telephone about the option you wish to select, you must return the form included in the notice by mail or by fax so that the Monitor can ensure that your choice is honored.


Q7. What do I do if I have lost the notice from the Monitor or the response form?



Q8. What is the Monitor's role?


    A8. The Court has appointed the Monitor to send you the notices, explain the options available to you, and see that your choice is honored.


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