Seminar gurus attract audiences with patriotic
appeals and then sell worthless legal arguments that often do not
help, but also get the buyer into deeper trouble. Fred and Nina
Gutierrez packaged their “get outa debt” program by wrapping it
with an American flag. It is easy to invent a completely baseless
argument to sell to the innocents.
Rather than discuss their program, below are presented several
comments received via email:
CALLER TELLS ALL!
ISSUES WARNING TO FRED GUTIERREZ -
Describes meeting Fred and Nina Gutierrez, gave money, talks about
likeability of Fred and Nina, mentions Fred as certified Clinical
Psychiatrist, describes Fred as "cunning, calculating,
strategizing predator, manipulating people's weaknesses", made
self guinea pig of Fred and Nina's methods in spite of warnings
they were schisters, alleges lack of disclosure, methods flawed,
donated thousands of dollars in electronic equipment, plane
tickets, etc. Thousands of dollars pre-paid on product orders via
credit cards and checks without ever receiving product and/or
materials, told chances of receiving product was "zero", alleges
"fraud" and "black magic", accosted by others who did not receive
product, talks about despicable use of churches, relationship
distressing, people being taken advantage of, lists authorities
contacted, encourages victims to submit complaints, happy to have
met Jack and Margy Flynn - LISTEN
4-19-12 Same caller testifies dozens of people enrolled in EFT's
and none worked and that seminar attendees were used as "guinea
pigs", indicates lenders cannot be forced to accept EFT's from an
external agent, EFT's don't stick and are reversed, talks about
inexperienced people being at a disadvantage in court, lack of
full disclosure, inability of Fred to provide substantiation of
successes, etc. -
Email: July 9, 2012
This email came to us from John Gutierrez, the eldest son of the
family into which Fred Gutierrez was born. John has been in
contact with us for a few weeks, now, about what Fred & Nina
Gutierrez, along with Kelby Smith, are doing with their seminars
and their "setoffdebt.com" website.
Once John learned the extent of the fraud which these three
"ministers" are perpetrating in seminars throughout the country,
inducing attendees to give "donations" to get "free" help to get
rid of their debts, John told us he was horrified, alarmed,
outraged and very concerned that his family name is being ruined.
He is very upset that Fred and Nina are using "God and family" to
John said he is fully intent on stopping Fred, Nina and Kelby from
doing this and is seeking complaints in the form of affidavits
from anyone who has been deceived by them and their phony
"process". To this end, John has just created a website to counter
their scam, which you can access by the link included below. He
also arranged a conference call on talkshoe with Tad Patterson
which took place this past Tuesday night. You can hear the
recorded call by going to the talkshoe site.
If you or anyone you know has been victimized by Fred, Nina and
Kelby, please check out the website, which has audio and written
accounts of real people's bad experiences with them, as well as
information which rebuts the false claims made by Fred and shows
Kelby Smith to be a longtime scam artist. The link to John's
website is below, as well as a link to talkshoe.
Please send this email far and wide, and encourage everyone who
may have been duped by these conscienceless people to contact John
and to make complaints to the authorities.
Email: July 1, 2014
We were victimized by Fred & Nina, even put them up for 1 year
here in Kansas because their family was being UNJUSTLY being
persued. They left us with $1300.00 in Electric Bills, $200 in
cable and a mess with our home in foreclosure, lost our butt in
court on a car that we actually got title and MSO on...Im needing
info on what you know about them, like Nina's Maiden name if you
Email: July 8, 2014
Regarding Fred & Nina Guitierrez
Temecula, went to meetings in San Diego
3 friends in custody for using EFT
Philippina lada friend Tina - SWAT broke into her house while she
not there, broke her door down, her kids were there on spring
break. One of children talked to Detective Montana, he said
"Look, if your mother files a complaint, I will have her arrested
at the station."
Mr. Wong, French Valley (part of Murrieta/Temecula) has court, man
arrested at his job site.
Another got arrested at the court, gave him 8 years, added 5 more
for not cooperating with the D.A.. Had two lawyers, fired
both of them, went with friend Marc, brilliant in law, not lawyer,
took case from public to private and got rid of the 13 years.
Another lady with GPS on ankle got arrested. Cops called her
a paper terrorist.
What is EFT? You can use any kid of write off to do that,
but apparently the judges of the land came down on people doing
EFT in California. I tried to do an affidavit here in Orange
County, and Riverside, and got turned down.
All of my friends who did EFT lost their homes, including me,
because of foreclosure. I got somebody to stall the
foreclosure, my loan was upside down, I did my EFT to Wells Fargo
servicer, and to Fannie Mae, Freddie Mac, owned by foreigners in
the middle east.
I know Fred and Nina Gutierrez lived in Las Vegas, had to leave, I
think they moved back to Hawaii which had a bench warrant for his
I put hundreds and hundreds of hours into studying EFT, I have a
whole folder full of information. My friend John Garza just
lost his home in Tustin Ranch. They moved to San Diego and
rent a house there.
I'm on disability right now. I wanted my daughter to move in
to house and I gave her a break, I was a year behind on my
property taxes, I had 5 years from County to pay it, I got a
notice from the servicer Wells Fargo that I had to pay extra in my
payments, but I was out of work. I lost my house 2 years
ago. My wife works in Quality Control with a company that
makes heart valves and stings, Abbott Labs.
I found out our birth certificate and social security number are
being used to generate stocks and print out money. We didn't
get the original, the government got it. I did an EFT for my
house, they threatened to take me to court, then I found out
through others that nobody is winning an EFT case that we knew
of. Nina said we could get our house back, but never
mentioned any names or what part of the country. I got tired
of listening to Fred's redundant jokes. I wanted to learn
how to save my home from the vultures.
We're looking at 100 to 125 people at a time in the seminar.
Fred said "If you can't afford the second and third day, we'll
give you a discount."
Email: July 19, 2016
Read your blog...I am Nina Gutierrez's big sister. Her full name
is Laurette Janina Tice Gutierrez. I know of people who have been
swindled by them, including our own mother. The post about the
people who put them up in their home for a year only to be left
with bills and a mess is standard m.o. for them. They moved in on
my mother's friend in Las Vegas, trashed her home, and left her
with bills unpaid. When I confronted my sister, she claimed they
were paying $3000 a month in groceries, so didn't owe the woman
anything. I pointed out that she and her 8 children may have had
something to do with that grocery bill. I love my sister, but
Fred's sociopathy claimed another victim when he bamboozled her.
Last we knew, they were making plans to flee the country to Costa
Email: July 14, 2017
i understand where you are coming from. I , too, want them
stopped. They hurt me and even worse, badly gouged my
friend. the last word I heard was one of their sons
married the daughter of a baptist minister in Kennewick,
Washington. the ministers name is Frank Carter. Fred is so
paranoid about his life that most of his kids don't have social
security cards; and none of the eight have ever attended
school. Fred and Nina have not filed an income tax for
Fred always tells his audiences that he was a clinical
psychologist. His father, with the same name, was a doctor of
psychology and earned his degrees where Fred junior got his
bachelor's. so if someone checked his credentials there was
the name Fred Gutierrez at that university. (Eastern Washington
University) One man Fred has always stayed in touch with is a
retired minister by the name of Pastor Sandgren. I believe he is
in Kennewick, Washington as Frank carter is his son-in-law and is
pastor at the retired one's former church. When Fred's mother was
still trying to contact him, she called pastor sandgren and begged
to be put in touch with Fred: he refused. so of course Fred had
told some horrific lies about her. I would appreciate being
informed of anything to do with this family. thank you,