Dave Ramsey never endorsed Timeshare Exit Team.
Dave Ramsey “promoted” The Lampo Group, LLC’s endorsement of Timeshare Exit Team.
Because Ramsey was speaking only in his capacity as the chief executive officer of The Lampo Group, he shouldn’t have to answer for the words that he spoke.
At least, that is the argument offered by Ramsey’s lawyer.
In an April 5, 2021 letter and again in an email message sent on April 23, 2021, Ramsey’s lawyer argues that Dave Ramsey shouldn’t be forced to answer the Washington State Attorney General’s questions about Timeshare Exit Team — a company that Ramsey has endorsed for years, and that today stands credibly accused of cheating tens of thousands of working-class and middle-class consumers across North America.
Consumers Must Be Confused
On July 22, 2020, I requested public records from the Washington State Attorney General. I requested “copies of all consumer complaints filed against Timeshare Exit Team in 2020.” The State produced more than eighty complaints.
Dave Ramsey’s name appears throughout the consumer complaints. A few examples:
On February 14, 2020, a consumer filed a complaint alleging that he had paid Timeshare Exit Team more than twenty thousand dollars, and that the company had done nothing for him. He wrote that he had given his money to Timeshare Exit Team because Dave Ramsey recommended the company as “the only company he trusts to get people out of their timeshares.” Ramsey had offered the recommendation during a seminar at the consumer’s church.
Four days later, a consumer filed a complaint alleging that she had paid Timeshare Exit Team forty thousand dollars. The consumer noted that she had given her money to Timeshare Exit Team after seeing on the “Dave Ramsey website” that Timeshare Exit Team is a “reputable company.”
On April 16, 2020, a consumer alleged that Timeshare Exit Team had cheated him and his wife out of more than ten thousand dollars. According to the consumer, more than two years had passed since he and his wife had paid Timeshare Exit Team’s fee. Every time he asked for information about the work being done on his case, he got the same answer: “We’re working on it. This takes time.” The consumer singled out Ramsey for criticism. “At this point,” he wrote, “I would give about anything if we had never put our faith in Dave Ramsey’s glowing recommendation.”
On May 2, 2020, a consumer alleged that Timeshare Exit Team was ignoring his requests for a refund of the five thousand dollars he had paid to the company. He listed three reasons he had trusted Timeshare Exit Team with his money. (1) He desperately wanted out of his Wyndham timeshare; (2) the company offered a money-back guarantee; and (3) “the endorsement of Dave Ramsey.”
On July 13, 2020, a consumer alleged that multiple timeshare developers and timeshare-exit companies had cheated her and her husband out of tens of thousands of dollars. Anxious and depressed because of mounting bills, her husband started listening to Dave Ramsey. The consumer explained why she and her husband turned to Timeshare Exit Team: “My husband trusted Dave Ramsey’s opinion.” She also described their experience as customers of Timeshare Exit Team: “LIE. LIE. LIE.”
Not a single consumer alleges that he or she trusted Timeshare Exit Team because it was endorsed by The Lampo Group, LLC. Not a single consumer describes Dave Ramsey as having “promoted” The Lampo Group, LLC’s endorsement of Timeshare Exit Team. In fact, the word “Lampo” nowhere appears in the approximately eighty consumer complaints filed against Timeshare Exit Team during the first seven months of 2020
Instead, consumers regularly complain that Dave Ramsey recommended the company that had cheated them out of their money, and that they had trusted the company because of Dave Ramsey.
One of two things must be true: Either (1) consumers are confused about who was endorsing Timeshare Exit Team, or (2) Dave Ramsey endorsed Timeshare Exit Team, and he is now trying to use his money and position to avoid personal responsibility for his choices.
Justice & Punishment
The Washington State Consumer Protection Act entitles a consumer to triple damages and attorney fees and costs, so long as the consumer establishes that he or she was harmed by a business’s deceptive act, and that the deceptive act negatively affects the public interest.
The ancient Israelites lived by a similar rule. The Israelites stored their wealth in herds of animals, and a person caught stealing livestock was subject to a penalty that exceeded the harm he caused: “If a man shall steal an ox, or a sheep, and kill it, or sell it; he shall restore five oxen for an ox, and four sheep for a sheep.” Exodus 22:1.
Secular law and biblical law are in accord: Both impose strong consequences on a wrongdoer who purposefully harms others in a way that negatively impacts the public interest. Under the law, the word for that disproportionate punishment is justice.
Presumably, Dave Ramsey agrees.
Loyalty to Clients
If the lawyer representing you was paid by Timeshare Exit Team, and if he or she has concealed from you the information made available to you on this blog, you should ask that lawyer some hard questions about his or her loyalties.
If you want to speak with a lawyer who is loyal to his clients, click this link. The consultation is free.
This blog post isn’t legal advice.
To schedule a free consultation with Hancock.Law, call (206) 785-7019 or click this link.