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11/5/2007 - Antwaun writes:
I like many of the other posts on this company, spent $97 on a product, spent hours "finding" note leads, submitting legitimate notes on the network only to find that there was no significant "support" from the company. Before I could even really get started, I was emailed and told that I had been selected to come to Colorado for one on one "training" with the Russ and his top note sellers. When I called to get more information, that is when the "additional" expenses came into play. Needless to say, I declined their offer and thought nothing of it. I also ran into the same problem when trying to submit my first few note leads. The format was confusing and the technical support was less than supportive, giving me the run around that I did not need to worry and that I could just resubmit the information with the necessary corrections. I have since stop using the program, for obvious reasons and if given the opportunity, I would love to not only recoup my investment, but help in closing down this scamming company. The fact that a former employee would leave because they are corrupt, tells you how much of a low class operation it is. My hat off to you for allowing your conscious to make the right decision.

10/23/2007 - Elizabeth writes:
I purchased the Russ Dalbey product. I was excited about it. I did a whole lot of work, like sending out note holders letters and emails. Finally after having talked to a potential note seller for three weeks, he was finally ready to sell his note, a very expensive note, in the six digits. I went to our members site, and it was my first time ever posting a note. I clicked on the "sell your note link". There was a note analysis questionaire for us to fill out on behalf of our note sellers. The first question read: Contact First name Contact Last Name etc... and then it ask all the details about the note sellers note. Then way at the bottom of the questionaire it asks are you personally receiving payments on the note? When you read these questions you immediately think that they are specifically referring to your potential note seller, and they are. They are not referring to your potentail note seller when they ask you for the contact's first and last name, and email address. They are referring to your name and email address, but the way the questions are structured, if it is your first time posting a note, you will probably think they are referring to your potential note seller. It is my belief they do that to confuse you, so that when you post at the members site, you will give all of your note sellers' info and they will then go behind your back and work a deal with your note seller. On a Saturday night I posted at the members site, I filled in the questionaire with all of my potential note sellers info. I called the Dalbey Office on Monday morning, because they were closed on Sunday.I immediately explained to them that perhap I made a mistake, because I needed to know how would they know who I was or how to contact me so that I could get an offer from an investor to quote it to my note seller. Oh how they seemed so sympathetic, they explained that I was supposed to leave my name and email address. I asked then why do you guys have the questionaire structured that way? So they spoke with the technician and told me to repost and that everything was alright. I was sent an ID number for my potential sale. Along with that Id was supposed to be an identical copy of the info posted at their site. The copy they sent me was sabotaged it had only a few thing correct that I had posted. not of the number were correct. I tried to have it corrected, and was told that I was going to get an email shortly from some investors. A whole week and a half passed by, and no email from any Investors. Meanwhile I was pacifying my potential note seller by sending him emails trying to come up with a reason why it was taking so long for me to get an offer on his note from our Investors. When I finally did call my potentail note seller he said your Investors have been calling me all week long with offers. Then he asked me, how do you get paid? You were the one who sent me the letter, and got me interested in even wanting to sell my note. He told me that finally the investors told him that he had an unsellable note. That in a month or so his note would be sellable. They sabotaged my note info and stole my deal and to cover for themselves, they put off my note seller for a month or so to cover themselves. They literally stole my note seller right from under my nose. The website that they provide is also structured to their advantage, there is no tracker installed on it for us as website operators to track where or what our viewers are doing, to even see if indeed they are selling their note at our site. For all we know, the owners of the site are intercepting our note sellers when they sign up. If that is true, then we won't get an email to tell us if someone signed up to sell their note or not. What I am saying is we are doing all the work, driving traffic to our website, and we have no way of tracking if whether or not our website traffic is productive or not. We simply rely on what they tell us, and that is, "if someone signs up at your site we will send you an email to let you know and we will send you an ID number". After having been robbed by them of my very first note seller, and how deceitful they were, trying to cover up for themselves, I don't even trust the website they allow their members to operate. I saved the sabotaged email ID to prove that I am not lying about this.

10/15/2007 - Erin writes:
Please get in contact with me if you are interested in taking legal action against Dalbey. my last name is [], use my first and last name together and put it at yahoo. that is my email address. please get in touch with me I am working with the NACA on this one, the National Association of Consumer Advocates.Thank You.

9/29/2007 - Jim writes:
I saw the infomercial tonight, and it said risk free 30days only 39.99 and no shipping and handling. "Russ" would pay it. so I thought 40 no big deal read through it and then return it. I called and very smoothly the operator slips in that the 39.99 won't be billed til the order is shipped, and then after 30 days there would be 3 additional charges of 39.99 billed to my cc monthly. she said it so fast I asked her to repeat it. she did but this time she said it would be 4 additional payments billed monthly to my cc. I told them no thanks and hung up. I am an experienced sales person. and no where in the infomercial did it state(like they are required to do)that if you keep the product that there will be additional charges of x amount for x amount of times. I hope everyone who watches that p o s infomercial logs on to this site before they pick up the phone and call. By the sounds of the other posts on here it's the most useless and expensive phone call you can make. those of you that have lost money to this crook you have my sympathy and hopefully the law will step in and everyone gets every penny back.

8/30/2007 - Anonymous writes:
Yes, like everyone else on this site, I ordered "Winning in the Cash Flow Business" and my story is like theirs. I can't believe that I got "duped" by these people!! But, you gotta give them credit.... they are so smooth!! Very well-trained scammers!!. You watch Russ Dalbey on the info-mercial, and other training DVD's, and that guy is good. He comes off as being so honest and trustworthy, I was taken in, and I doubt I will ever trust my instincts again. The big question tho is what do we do about it? Personally, I feel that contacting the Better Business Bureau is a complete waste of time. I would suggest calling the Attorney General's Office for the state of Colorado, and then file a formal complaint. I think they have the "Clout" to get something done!

8/28/2007 - Sharon writes:
I have been trying to complete & make a little money for 18 months I have never made a dime, I have givin up on making anything. I have been hearing that a class action suit has been filed, I haven't found it yet, I will. I have at least $100,000.00 invested. The Interest rate they are charging me on my credit cards, they went way over the limit. I told them not to. I now pay $65.00 interest, And want to add another $39.00 a month. I am trying to find out where this class action is. any of you find out please let us know, I will do the same. They charged me $6000.00 to get incorporated. now i don't know how to stop this. I would say Russ got the most of that, plus it was Inc. in Las Vegas.I can prove anything i tell you.So now we all need to get something going. most of all the people that worked there when i first joined is no longer there. I have been through at least 3 sets of workers.this has been the largest SCAM in history. I will return.

8/28/2007 - William writes:
I purchased the program for another source of income but quickly found out that they were only interested in selling me more and more product. I lost interest and got stuck with worthless books.

8/15/2007 - Erin writes:
I Have given Dalbey almost $15,000. Everyone out there who knows there high pressured sales techniques and who knows that the 'contacts' they give you have been pestered relentlessly, and who has been scammed by Dalbey please listen up. I am looking into filing a Class-Action Law Suit about this supposed 'Institute'. If you or anyone else you know has been scammed by Dalbey, please get in contact with me, I am compiling information and data as we speek. Thank YOu, []

7/9/2007 - Maria writes:
The biggest scam!!! They lure you to purchase more products after the initial purchase. Basically, they want to up-sale you on lessons, business kits, etc...until you give up. I have paid @ $2,000.00 and can't beleive how much money other people paid for the same and NO results.

7/7/2007 - Kathi writes:
I also spent @ $30,000 with the Dalbey Education Institute (aka-Dalbey Wealth Institute), which you can't even claim as education-like they say you can. They also assured me that if I spent 7-10 hours a week, I would be able to do 10 note deals, and get ALL of my money back. I have yet to hear of ANYONE who actually quailified. Most lose all-and are to embarassed to do anything, so they just let it go. We need to stop the unethical practices! Here is how we can....see if the first link sounds familiar-then USE the 2cd![] He is selling over $3 million a week, and brokering the notes for $1.5 million a week-that WE pay to bring him!! Here are the agencies we ALL need to contact-to do something about it. Together-we CAN make a difference![]

7/5/2007 - Russell writes:
I just realized even more that this is a scam. Not only do the books and mentoring not work but you actually help Dalbey get even richer. When you find the note holders wanting to sell you are suppose to submit the information to the Note Network database for the investors to look at. I looked at the form and they ask you questions about the note holder and his name and address. Well if you give that information then the Dalbey crooks can just take it and contact the note holder directly. This leaves the note broker out of the transaction with no money made and hours of work wasted. It is bad enough they cheat people out of many thousands of dollars with the mentoring bullcrap but they also indirectly con you into giving them more leads. So they steal your money and make you work for free. Wow that has got to be the worst thing I ever imagined.

7/4/2007 - Sharon writes:
I am Back, I just read some new letters. I coppied every thing & all paper work on what i Paid out, I am somehow going to talk to an Attorney,I bought there web site, never ever used it. they made it so you couldn't fix it the way you wanted to. They just shut me off of everything. they promised to give me 5 months of V.I.P. notes to work on by myself. well i got 5 total, there were so many other note finders on them before me. I didn't have a chance. they was giving them to me because i spent so much money with them. well i was going to get 5 a month, well they just shut the site down. they said they was working on it. it was off, i know 6 to 8 weeks so they redone it all. they took so much from me. i have invested so damn much. now having trouble paying for it.I also know the people that was working for them, that many of them are not there now. I paid them 6000. to get Incorporated. well i beleived there Bullshit, now cant use it because i am about over it. I paid 6,000. for my lessons. I worked on this mess 7 days a week, 10 hrs a day.I made 2 trips out there that was another 10,000. Aprox.My Husband wanted to retire 1 1/2 years ago. now has to work longer. It sure is not right for Russ Dalby prey on people that has no money & we all go over our heads trying to just make a little money.That's not all i spemt with this cruel man. If i can i will sue the hell out of him. & i will let you know. He Owes me big time.

7/4/2007 - Sherry writes:
I responded to the infomercial. I got the basic package. I was solicited the "better package", including the "business" manual for more money. I got an email shortly after that telling me that if I wanted to get personal coaching to call. I called and was promised: 20 weeks of personal and online classes and coaching with practice sessions, 10 guaranteed notes that most people make and ave. of $58,000, asked if I would be willing to go to colo. for face to face mentoring. The price? A mere $6000. Charged my CC immediately after I signed an emty contract only saying that once my lessons started I would not get a refund under any conditions. The promises? The 20 weeks of lessons were inconsistent and even gave incorrect information in two areas. 1.) The live classroom instruction as to how to price a balloon note was totally inconsistent with the email feed back. 2.) The math was incorrect in the only detailed instruction on the balloon note. The 10 "guarateed" notes? If I sell ten notes to investors in a years time then I get my money back. I asked for this in writing and was told that there isn't anything prepared in writing for that program. The Colorado visit? $4000 additional dollars and the comment that "hopefully" I'll have a deal in the works by the time I leave in a week. The web site? A nice one, with no connections to search engines, pre selected key words that could not be changed and approx. $300 a month to manage my website. Also promised for my original $6000 was unlimited access to the note buyers site. I was told that if a note was not listed correctly that I could contact the seller directly and take over the note and get the full fee for myself. When I asked if this was ethical, they told me that it was too bad if the persons who only paid the $29 didn't have the advantage of the education I was getting in the Protege Program and deserved the loss if they couldn't list the notes correctly. And the "unlimited acces" was only notes they chose to allow me to see in a pre selected fashion. Only when I asked what I was veiwing was I told that these were only a small portion for me to practice on and if I wanted to contact any of the listers I could share the fee. The 1000 newsletter that came with the $6000 Protege deal were pre printed generic and wanted me to supply my name, address, phone no., and web address. The 500 leads I was promised came with only names and addresses many repeats. I was told if I found any repeats, they would replace them. (big consolation!) I thought I would get an unbelievable start in this business and by the time I got through the $6000 Protege program, I would have the capital to really make the big bucks that was hyped so adamately to me. I fell really stupid for falling for such a stupid bunch of vague and misleading promises, let alone signing a blank contract! Please don't let this happen to you! I wish there was a class action law suite against Russ Dalbey Education Institute. My name would be right at the top of the list!!!! I even sent an em ail letter to 20/20!!

6/24/2007 - Bernard writes:
The Scam – Winning In The Cash Flow Business! Here is the deal. Russ sells you a program for $97 with all of these promises. You go through the time, expense, and effort in order to create a new fresh lead. You make contact with the lead and they agree to sell the note. Once you post or list the note on Russ’s network, you immediately LOOSE control of your lead that you have created from all of your hard work and you GAVE it to him at no cost but your hard work. He lets the lead sit there on his database for like a month and you forget about the lead. He then filters out the lead and he puts it into a different database for his personal use and he sells the notes as he described to you in the manuals. A classic SCAM making you do all of the work and not get paid for your efforts. I would be extremely careful with this program. He may give you (1) one out of (100) one-hundred leads that you generate. The others, you can forget about it. For the ones who did try it and listed their notes for sale and did not get the sale, this explains it. He has the smoke screen built for everyone who joins to do all of the hard work only to surrender your work ethics as soon as you post the lead ON HIS NETWORK!!! --- IT IS A SCAM!!! --- Just THINK about this for a moment. He has over 1,000 people finding current and up-to-date information on note holders posting it to HIS DATABASE on a daily basis! HE has all of the leads that he wants at the expense of others! He is ROBBING people blindly! IF you decide to do this business, take his information, contact the BUYER yourself and make your arrangements OFF OF HIS NETWORK to reassure that you DO get paid for your efforts! IT IS ABSOLUTELY NECESSARY THAT YOU KNOW WHAT IS GOING ON FROM THE START TO THE FINISH!

6/23/2007 - Chris writes:
I use to work for this evil company. I was a customer service rep who would field any calls from customers looking for help. I only worked there for a short time before my conscious got to me and I quit. I must have handled thousands of phone calls, and I never(not once) ever talked to a customer who actually made money off this product. I never heard about any customers who made money either. They were all about high pressure sales. They would sell so called 'leads' that were in my opinion "made up". People would call in to complain that the addresses in the leads didn't exist. When I told managers about this, they would just tell me to send them more 'leads' for free. Most of the time I was forced to call people back and get them to spend ludicrous amounts of their hard earned money on products that were, for lack of a better word, "bullsh!t". The thing that really got to me was the fact that most of the people they market to are people that are unemployed or people looking to invest what little money they have into something. I had people call in who spend their disability money on these products. People would ask me stuff like "I only have $3000 left in the bank and I'm unemployed. If I buy these products, will I make alot of money and be able to support my family"? I had to tell them that "of course they would" while a manager would listen in on the call without any shred of human decency. The really sad thing was that everyone who worked there was brainwashed by the scam as well. They all were like: "Russ Dalbey is a champion of the people who helps them find money. He is a true humanitarian." I couldn't believe how blind these people were to what was going on there. This is a truly EVIL company and represents everything that is wrong with the world.

6/18/2007 - Ralph writes:
I joined this so called successful organization early January of 2006. I paid a whole bunch of money plus an amount of 39.99 was deducted from my checking account monthly for about 7 months. Well i tried all what i am supposed to do and nothing successful came out of it till now. It is by far the hardest thing you can do plus whenever i call for help, i do not get any. No help came from them since i paid all that amount of money..no calls, no nothing which they promised in the beginning. The only call that came from them was when they wanted me to join some program for about $3000 which i declined. They prompt you for your card # so much.. Please listen to all the advice you read here..They are con artist and people like them will not go far in life because the hustle innocent people of their money. Russ Dalbey..Con artist

6/12/2007 - Sharon writes:
I am in trouble with about $30,000. and a waisted 14 months of the hardest work ever. not one note sold. This is the biggest Scam, ever was. I am ashame for everybody to know how stupid i was. that's not all. I spent over 4000. to go to Denver, CO. to think i could learn more, "Not" They told me they wouldn't over charge my credit cards, well! so much for that. I am paying over 20% interest on at least 5 different Credit cards, some at 29%. I hope & pray,that people finds out about Russ Dalbey before they give him any money. Thank you S.

6/5/2007 - Laurie writes:
Well, I guess I'm not alone here...I have seen this infomercial several times, and received "The overnight millionaire" in the mail. I finally was stupid enough not to listen to my instincts, and several friends who I have questioned on this to give this a try. I called, spoke with a rep, and gave them my credit card info. I did think it was odd that they never asked for the name or billing info of the card, it just didn't register completely at the time. I called the number back about an hour or so later and told them I changed my mind. The young lady told me my order wouldn't be in the system until the next day and to call back then. I then called my cc company to put a hold on the card so that nothing would go thru. I was hoping that if the cc came back declined, then I wouldn't have anything further to do with these guys. WELL. Not so lucky. I called the cust svc # back the next day and adv them of my cancellation, that I wanted nothing to do with this. The rep told me my order was cancelled, and to have a nice day. I heard a knock on my door this morning, which I couldn't answer. I opened my door a few mins later, and Fed-Ex had left a package from GUESS WHO? You got it. THe Dalbey Institute. I called Fed-Ex, they came back and picked it up, I called back cs and adv tHem I had better not hear from them again. I cancelled that cc just to be safe. THIS COMPANY SHOULD BE ASHAMED OF THEMSELVES. I am filing formal complaints on this company.

5/6/2007 - Holly writes:
I purchased Russ Dalby's program about 5 years ago when I was 18. I talked to a representative on the phone for about 20 minutes before I decided to give it a try. After receiving the course in the mail a few weeks later, I immediately began to read through the course. A few weeks later, I got a phone call from some 'phone support' people working for Russ. They tried to talk me into phone coaching which would cost me big bucks. I politely declined and tried to end the conversation. He actually said "WE NEED YOUR CREDIT CARD NUMBER NOW." That is when I hung up the phone and didn't answer when I saw that number again. What a scam. If you are looking for a legit program, I'd recommend Profit Lance. Its the only thing I have tried that isn't a scam.

4/30/2007 - Patti writes:
this cost me $700.00 in my own expenses to get nothing in return. they promise the moon and give you the sewer. this program takes more time than the sell is worth. when you call them they make sure they tell you what you owe. and never give you the information available. they say the website is free if you spend more than a $1000.00 with them. how is that free? I want my money back.

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