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Federal Trade Commission, and Office of the Attorney General, State of Florida, Department of Legal Affairs, Plaintiffs, vs. Life Management Services of Orange County, LLC, a Florida limited liability company; Loyal Financial & Credit Services, LLC, a Florida limited liability company, also doing business as FOC Credit, and Reward Services; IVD Recovery, LLC, a Florida limited liability company; KWP Services, LLC, a Florida limited liability company; KWP Services of Florida LLC, a Florida limited liability company; LPSOFFLA LLC, a Florida limited liability company; LPSOFFLORIDA L.L.C., a Florida limited liability company; PW&F Consultants of Florida LLC, a Florida limited liability company; UAD Secure Services LLC, a Florida limited liability company; UAD Secure Service of FL LLC, a Florida limited liability company; URB Management, LLC, a Florida limited liability company; YCC Solutions LLC, a Florida limited liability company; YFP Solutions LLC, a Florida limited liability company; and Kevin W. Guice, individually and as an officer of Loyal Financial & Credit Services, LLC; Chase P. Jackowski, individually and as an officer of LPSOFFLA LLC, LPSOFFLORIDA L.L.C., and YFP Solutions LLC; Linda N. McNealy, individually and as an officer of Loyal Financial & Credit Services, LLC; Clarence H. Wahl, also known as Harry C. Wahl, individually and as an officer of KWP Services of Florida LLC, and Life Management Services of Orange County, LLC; and Karen M. Wahl, individually and as an officer of KWP Services, LLC, Defendants; and Robert Guice, individually, and Timothy Woods, individually, Relief Defendants.
FTC Matter/File Number
152 3216
X160047
Civil Action Number
6:16-cv-982-0rl-41TBS
Enforcement Type
Federal Injunctions
Federal Court
Middle District of Florida

Case Summary

According to a 2016 complaint brought jointly with the Florida Attorney General’s Office, the Life Management defendants bombarded consumers with illegal robocalls in attempts to sell them bogus credit card interest rate reduction services. According to the complaint, the defendants guaranteed that they could substantially and permanently lower consumers’ credit card interest rates and save them thousands of dollars in interest payments. Consumers allegedly made up-front payments but rarely, if ever, got the promised services. In December 2018, a federal judge in Florida permanently banned Kevin W. Guice from the telemarketing and debt-relief industries, agreeing with the FTC and State that he founded and operated the  scam that took in over $23 million from more than 10,000 consumers, until halted by a June 2016. In July 2023, the FTC returned more than $540,000 to defrauded consumers.