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Two new defendants have been named in a Federal Trade Commission case against a phony debt relief and credit repair scheme that allegedly deceived consumers about non-existent federal programs to pay off their bills and fix poor credit.

The case was originally brought in August 2014 against the unnamed operators of the scam, which operated under the names American Bill Pay and American Benefits Foundation. The court granted a temporary restraining order in the case shutting down the scam. Since that time, the FTC’s continuing investigation and discovery in the case led to two individuals, Sereika Savariau and Lawrence Goodison, who the FTC alleges in an amended complaint operated the scam from Jamaica.

The amended complaint was accepted by the court, and the case remains in litigation. The FTC is seeking to have the scam permanently shut down, and obtain refunds for consumers who paid for the scammers’ bogus debt and credit services.

The Commission vote to add the named defendants was 5-0. 

The Federal Trade Commission works for consumers to prevent fraudulent, deceptive, and unfair business practices and to provide information to help spot, stop, and avoid them. To file a complaint in English or Spanish, visit the FTC’s online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTC’s website provides free information on a variety of consumer topics. Like the FTC on Facebook, follow us on Twitter, and subscribe to press releases for the latest FTC news and resources.

Contact Information

Jay Mayfield
Office of Public Affairs

Nikhil Singhvi
Bureau of Consumer Protection