First Choice Horizon LLC

Last Updated:
Federal Trade Commission, Plaintiff v. First Choice Horizon LLC, a Florida limited liability company; First Southern Trust LLC, a Florida limited liability company; First United Mutual LLC, a Florida limited liability company; Premier Union Trust LLC, also doing business as Second Choice Horizon, a Florida limited liability company; South Premier Trust LLC, a Florida limited liability company; Suncoast Mutual LLC, a Florida limited liability company; Raymond Gonzalez, individually and as a member, manager, or owner of First Choice Horizon LLC; Carlos S. Guerrero aka Carlos Sinencio Guerrero also doing business as CSG Solutions, individually and as an officer, member, manager, or owner of First Choice Horizon LLC and First United Mutual LLC; and Joshua Hernandez, individually and as a member, manager, or owner of South Premier Trust LLC, Defendants.
FTC Matter/File Number:

172 3161

X190029

Civil Action Number:

6:19-cv-1028

Enforcement Type:

Federal Injunctions

Federal Court:
Middle District of Florida

Case Summary

Announced in June 2019 as part of a crackdown on illegal robocalls against operations around the country responsible for more than one billion calls, the FTC’s complaint against six corporate and three individual defendants jointly doing business as Second Choice Horizon and CSG Solutions, alleges Raymond Gonzalez, Carlos S. Guerrero, and Joshua Hernandez ran a maze of interrelated operations that used illegal robocalls to contact financially distressed consumers with offers of bogus credit card interest rate reduction services. The FTC contends many of the consumers targeted were seniors. In July 2020, the FTC announced the defendants had settled the Commission’s complaint, and are banned from telemarketing and selling debt relief services.