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The Federal Trade Commission and the Office of the Florida Attorney General have charged a web of related defendants based in Orlando with bombarding consumers with illegal robocalls in an attempt to sell them bogus credit-card interest rate reduction and debt relief services. In all, the complaint alleges the defendants’ robocall scheme bilked consumers out of more than $15.6 million since at least January 2013.

At the request of the agencies, a federal district court in Orlando has temporarily stopped the operation, collectively known as Life Management Services of Orange County, LLC, from making illegal robocalls and selling its services pending an upcoming hearing.

 “This is the latest effort by the FTC and our international, state, and federal law enforcement partners to stop illegal robocalling operations that harass consumers day and night with unwanted calls,” said Jessica Rich, Director of the FTC’s Bureau of Consumer Protection.

“These scammers use robocalls to hide their identities and exploit consumers,” said Florida Attorney General Pam Bondi. “Working jointly with the FTC, our actions to stop these schemes and hold the scammers responsible will not only keep Floridians from falling victim to these scams, but also protect consumers nationwide.”

According to the complaint, the defendants used generic names such as “Bank Card Services” and “Credit Assistance Program,” and falsely claimed to be a “licensed enrollment center” for major credit card networks like MasterCard and Visa. The alleged deception involved the defendants claiming that they would work with the consumer’s credit card company or bank to substantially and permanently lower their credit card interest rates.

The defendants allegedly claimed these “services” would save consumers thousands of dollars in a short period and allow them to pay off credit card balances three- to five-times faster. For these “services” consumers typically were required to make up-front payments of between $500 and $5,000. In reality, the defendants sometimes made a rudimentary attempt to contact the consumer’s credit card company, but consumers report that defendants were almost never able to obtain the promised rates or savings, the agencies charge.

The complaint alleges that the defendants also pitched a bogus credit card debt-elimination service, promising consumers that they could access money from a government fund to pay off consumers’ credit card debt in 18 months. For these “services” the defendants charged consumers between $2,500 and almost $20,000 up front. In reality, no such government fund exists, and consumers who paid defendants’ up-front fee wound up deeper in debt with damaged credit scores and higher interest rates and late fees, according to the complaint.

In bringing the case, the agencies charged the defendants with violating the FTC Act, the Telemarketing Sales Rule, and the Florida Deceptive and Unfair Trade Practices Act. The FTC and Florida AG’s Office are seeking to permanently stop the conduct and secure money for consumer refunds. A complete list of the defendants can be found in the agencies’ complaint.

This latest case marks the 39th action taken since January 2015 as part of a coordinated multinational enforcement effort to halt robocall operations. The enforcement crackdown includes actions taken by international partners, the Canadian Radio-television and Telecommunications Commission (CRTC) and the United Kingdom’s Information Commissioner’s Office (ICO), as well as the U.S. Department of Justice, the Federal Communications Commission, the attorney generals’ offices of Colorado, Florida, Indiana, Kansas, Mississippi, Missouri, North Carolina, Ohio, and Washington State, and the Tennessee Regulatory Authority. Through their collective enforcement efforts, these agencies have taken action against operations estimated to have made billions of illegal robocalls.

The latest law enforcement action comes as the FTC and its international partners seek to forge a stronger alliance to combat the nuisance of illegal robocalls. The FTC today also issued a new consumer education document that provides information about how consumers can block unwanted telephone calls.

The London Action Plan MOU

To facilitate global enforcement cooperation, 11 regulatory organizations across the world recently signed a memorandum of understanding (MOU) to share information and intelligence in the worldwide fight against unsolicited messages and calls.

The organizations are members of the London Action Plan, a network of public agencies and private-sector representatives that promotes cooperation to target spam and unsolicited calls and their related problems, such as online fraud and deception, phishing, and dissemination of viruses. Each of the MOU signatories has committed to sharing information and intelligence about unsolicited messaging and calls, especially concerning fraudulent and malicious activities. 

The MOU facilitates sharing intelligence and cooperating in global enforcement. The 11 signatories are ACM (the Netherlands), the ACMA (Australia), CRTC and OPC (Canada), FTC and FCC (United States of America), ICO and NTSIT (United Kingdom), KISA (Korea),  Department of Internal Affairs (New Zealand), and National Consumer Commission (South Africa). For further information about the London Action Plan, visit

A similar MOU was established with the CRTC early this year.

The Commission vote authorizing the staff to file the complaint announced today was 3-0. The complaint was filed in the U.S. District Court for the Middle District of Florida, Orlando Division on June 7, 2016, the court granted the FTC’s request for a temporary restraining order on June 8, 2016, and it was unsealed on June 13, 2016.

The Commission vote authorizing Chairwoman Ramirez to sign the London Action Plan MOU on behalf of the agency was 3-0.

NOTE: The Commission files a complaint when it has “reason to believe” that the law has been or is being violated and it appears to the Commission that a proceeding is in the public interest. The case will be decided by the court.

The Federal Trade Commission works to promote competition, and protect and educate consumers. You can learn more about consumer topics and file a consumer complaint online or by calling 1-877-FTC-HELP (382-4357). Like the FTC on Facebook, follow us on Twitter, read our blogs and subscribe to press releases for the latest FTC news and resources.

Contact Information

Mitchell J. Katz
FTC Office of Public Affairs

Whitney Ray
Florida Attorney General’s Office

Bikram Bandy
FTC Bureau of Consumer Protection (robocall actions)

Melinda Claybaugh
FTC Office of International Affairs (London Action Plan MOU)