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Swift Rock Financial, Inc., et al.","","Legal complaint filed in the General Court of Justice, Superior Court Division, on behalf of the State of North Carolina by the Attorney General and the North Carolina State Bar against Swift Rock Financial, Inc., Orion Processing, LLC, Derin Scott, and Global Client Solutions, LLC. The complaint seeks preliminary and permanent injunctive relief, restitution, and further remedies, alleging violations of North Carolina’s Debt Adjusting Act, unfair and deceptive trade practices statutes, and unauthorized practice of law prohibitions. It describes an advance-fee debt settlement scheme using allegedly deceptive attorney-related representations and alleges millions paid by consumers with little credited to creditors.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/complaint-state-of-north-carolina-v-swift-rock-financial-inc-et-al/280574/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/complaint-state-of-north-carolina-v-swift-rock-financial-inc-et-al/280574.png","ImageObject",442,249,{"name":88,"@type":89},"Caleb Sterling","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-25","2026-09-16",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",9,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"What remedies does the complaint request?","Question",{"text":109,"@type":110},"The complaint seeks preliminary and permanent injunctive relief to stop the defendants’ conduct, along with restitution and further relief, including potential appointment of a receiver for consumer protection.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"What conduct does the complaint allege the defendants are doing illegally?",{"text":114,"@type":110},"It alleges the defendants engage in unlawful debt adjusting, unfair and deceptive practices, and unauthorized practice of law by offering and providing purported legal services through non-attorneys and attorneys not licensed in North Carolina.",{"name":116,"@type":107,"acceptedAnswer":117},"What is the complaint’s characterization of the debt settlement scheme?",{"text":118,"@type":110},"The complaint describes it as a classic advance-fee scam that extracts upfront fees from financially distressed consumers, with consumers rarely obtaining debt settlements while defendants retain substantial fees.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},280574,1789551420,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":136,"language":137,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":138,"faqs":139,"seo_title":140,"seo_description":61,"update_tm":126,"read_time":141},962084925290,"https://ap-avatar.wpscdn.com/davatar_085a072bc5b1113ac321206ff7593b45","13C:u07161  \nIN THE GENERAL COURT OF JUSTICESUPERIOR COURT DIVISION  \nFIILENO:13 CVS         \nL  \n答答“  \nSTATE OF NORTH CAROLINA,ex rel.ROY COOPER,Attorney General,andTHE NORTH CAROLINA STATE BAR,  \nPlaintiffs,  \nV.  \nSWIFT ROCK FINANCIAL,INC.,d/b/aWORLD LAW DEBT,a/k/a WORLDLAW GROUP;ORION PROCESSING,LLC,d/b/a WORLDLAW PROCESSING;and DERIN SCOTT;  \nCOMPLAINT  \nand  \nGLOBAL CLIENT SOLUTIONS,LLC;  \nDefendants.  \n# I.INTRODUCTION\n\n1.   This is an action for preliminary and permanent injunctive relief to enjoin thedefendants from engaging in the illegal business of debt adjusting in violation of NorthCarolina's Debt Adjusting Act,N.C.Gen.Stat.§14-423,et seq.;from engaging in unfair anddeceptive practices in violation of N.C.Gen.Stat.§75-1.1;from engaging in the unauthorizedpractice of law in violation of N.C.Gen.Stat.§§84-2.1,84-4 and 84-5;and to obtain restitution  \nand further relief.  \n2.   The defendants are offering an illegal debt settlement scheme to consumers inNorth Carolina.The defendants use deceptive representations to solicit consumers,includingmisrepresentations that the services are performed by attorneys and misleading suggestions thatthe defendants'debt settlement program is government-affiliated.The defendants promise toreduce consumers'unsecured(credit card)debt obligations by more than 50 percent and to leavetheir clients debt-free without bankruptcy.In fact,the defendants are operating a classic advancefee scam designed to extract exorbitant upfront fees from financially distressed consumers.Asshown below,consumers rarely obtain debt settlements through the defendants,and thedefendants retain substantial fees despite their nonperformance,which leaves vulnerableconsumers in an even worse financial position.  \n3.   From October 2010 through February 2013,the latest month for which theAttorney General has obtained payment records,North Carolina consumers have paid more than  \n$4,105,681.00 into the defendants'debt settlement program for the purpose of paying theircreditors.Of this amount,the defendants have paid only $527,328.00,or less than 13%of whatNorth Carolina consumers have paid,to North Carolina consumers'creditors to settle debts,while the defendants have retained more than $2,643,341.00 in unlawful advance fees fromNorth Carolina consumers.  \n4.   Despite being given written notice by the North Carolina Attorney General thattheir activities are unlawful,and written notice by the North Carolina State Bar that theiractivities constitute the unauthorized practice of law,the defendants are continuing to collectillegal advance fees from North Carolina customers for debt settlement services;to enroll new  \nNorth Carolina consumers into their debt settlement program;and to provide or purport toprovide legal services by non-attorneys and attorneys not licensed in North Carolina inconnection with their illegal debt settlement scheme.  \n5.The defendants'debt settlement scheme,including their collection of advancefees,is expressly prohibited by the North Carolina Debt Adjusting Act,N.C.Gen.Stat.§14-423,and constitutes unfair and deceptive practices under N.C.Gen.Stat.§§14-425 and 75-1.1.TheAttorney General has specific authority under the Debt Adjusting Act to obtain injunctive relief,consumer restitution,and the appointment of a receiver for the protection of North Carolinaconsumers.  \n6.   The defendants'offer to provide or purported provision of legal services inconnection with their illegal debt settlement scheme is expressly prohibited by Chapter 84 of theNorth Carolina General Statutes,as the defendants are business entities and are not a law firm;the defendants are not attorneys;and the defendants are not licensed or otherwise authorized topractice law in the State of North Carolina.The North Carolina State Bar has express authorityto seek the enjoinder of the unlawful or unauthorized practice of law pursuant to N.C.Gen.Stat.§84-37.  \n# II.PARTIES\n\n7.   Plaintiff State of North Carolina is acting through its","cbCaitAxKegkxDYR","https://ap.wps.com/l/cbCaitAxKegkxDYR","pdf",3875422,72,"English","# I. Introduction\n## Allegations of unlawful debt adjusting and deceptive practices\n## Consumer payment and fee retention figures\n## Notice and continued collection\n# II. Parties","[{\"question\":\"What remedies does the complaint request?\",\"answer\":\"The complaint seeks preliminary and permanent injunctive relief to stop the defendants’ conduct, along with restitution and further relief, including potential appointment of a receiver for consumer protection.\"},{\"question\":\"What conduct does the complaint allege the defendants are doing illegally?\",\"answer\":\"It alleges the defendants engage in unlawful debt adjusting, unfair and deceptive practices, and unauthorized practice of law by offering and providing purported legal services through non-attorneys and attorneys not licensed in North Carolina.\"},{\"question\":\"What is the complaint’s characterization of the debt settlement scheme?\",\"answer\":\"The complaint describes it as a classic advance-fee scam that extracts upfront fees from financially distressed consumers, with consumers rarely obtaining debt settlements while defendants retain substantial fees.\"}]","Complaint - State of North Carolina v. Swift Rock Financial, Inc., et al. | PDF",25]