People Helping People

PHP scammers will look for victims in cafes,restaurant and will make some execuse to talk to you,once , they come to know ,you are unemployed,then you are the most suited victim, and then. they will start talking about,how ,you can be millionaire in just few months,and will tell them,how he has seen many countries and bought fancy car within a year
by working with PHP as Financial consultant..In reality,If this is case,then,everybody would rush to join PHP,and their was no need to advertise to join their company on commission.IT is pyramide scheme, and only the top 1 per cent are making money,if you think,you can reach at top 1per cent,then join this company

Gohar Panajyan and Aznic Shahverdyan

Crime is awesome!

The irony burns smh. This is some star wars shit right here. #pyramidschemevspyramidscheme

lol its no secret that PHP pays their employees to write fake review to convince others it legits. My friend was one of the people who used to do fake reviews. glad he left the scam and drugs behind. Other than that all the bad things said about PHP are true ! all lies and bullshit. Sad to see they target mexicans and a few blacks here and there. Most just need some money to get by. God Bless them

i heard that the owner patrick david is a former member of WFG who went rogue and started his own pyramid scheme. From what i heard PHP and WFG do not like each. This could make a good movie where both entities are fighting to see who can rack in more gulable Latinos into the scam. Kind of funny how both pyramid scheme say that your own boss but have a boss who pays you commission recruiting. Youre just an employee. Both WFG PHP and all other Pyramid schemes can fire you fact. Maybe patrick was fired and wants revenge on WFG this is some WWE shit LOL

This company focuses in on the Latino community because they (we) are less informed about mlm scams.

The Sluts LMAO !

Me and my wife were in this shit. Im surprised my fellow raza is willing to lie and deceive my gente with this bullshit. We had enough so we left. I was not wise enough to trust my cousin about the vested directors and pyramid scheme.

WoodLand Hills location

pretty much this is true. The directors which i wont mention his name admitted to me that this is pryamid scheme. He told when i asked him about the positions and was nice enough to admit it was all a scam, since we are friends, im glad he was nice enough to be honest with me. Stay Away.

Former PHP latino here. Its true, 99% percent latinos because we cant really think for are self. Lesson learned. Never coming back to this shit.

Got suckered in from one of the girls who acted to nice. Lots of sluts there.

I must say this, I am very sorry for the experience that most of you has gotten through PHP, My husband and I have been apart of it for a little under 2yrs, and I must say it is hard work because you are dealing with people, not just to educate them through finances but to talk to them about joining the company.......I had my reservations as well but in time I saw that this was the opportunity for my husband and I - please make sure that what ever opportunity you go for in life that you make sure you want to put the work in, in anything you must put the work in - PHP is not for everyone and thats fine, but find what is good for you and work the HELL out of it!!! Im looking forward to hitting ownership with PHP.

I feel so stupid for not listening to my bro. He was in a pramid scheme selling herbalife product and said this PHP was similar lol. A waste of money. Most of them try to recruit latinos coming out of high school sad.

In 1996, similar sounding pyramid schemes called Friends Helping Friends and Friends Helping Friends and Family in the San Fernando Valley were broken up when police made arrests. Floyd said Monday's raid is believed to be the largest on a pyramid scheme in several years - END QUOTE

There was also another pyramid scheme called exactly this, People Helping People, but their scam involved cellphone or mobile networking.

I wonder if there some sick joke among the cult leaders who run these shits.

former php lady . What people are saying is true. This is scam. I was suckered into joining by means of having an old friend invite me to lunch and telling me of this great opportunity. I which i researched this before joining all the guys do is try getting at the girl instead of their task. And when you complain you get ignored. Stay away

like all pryamid schemes, such as Amway WFG and Herbalife you'll have damage control which is what you see here. Ive notice the decrease in pyramids schemes thanks to review websites that allow one to post their experience. Thank God You Tube has a lot of videos exposing these scams. Stay away start your own business. What they do is try making you join as well as your family its like a cult.

I have been with PHP for 4 months and I am making money faster than when I worked as an employee. You have to keep an open mind and take the coaching, training and mentorship serious. It doesn't work over night, and it is not easy, not easy at all. But if you work hard, you will achieve your goals. If you do not, then you are lazy and not willing to be coached, and stay in the 9-5 system forever living paycheck to paycheck. It is always easier to blame something else then to stand back and ask yourself if you really gave it a chance, or did you follow through with the program. I also spent $23,000.00 at UEI College for a Business Program that never got me a job in that field. I was promised a lot of things at UEI College, and it never happened. 8 months, graduated with honors, and nothing. I was recruited to PHP for only $150.00, I passed my state test, got my license and am making well over $5,000.00 per month as a beginner. Go figure. It works IF you work. Simple as that.

Helping people to prepare from unexpected loss and plan for retirement or College fund for your child is NOT a scam! Marketing and selling products such Life Insurance, Annuity, 401K rollover, IRA of Companies like Nationwide, AIG, Foresters, Fedelity, Metlife etc.. are scam??? These financial companies has been here since the 1800's! Helping people to get out of debt is NOT a scam! Recruiting Life Insurance Agent is not a scam! In fact you can do this without quitting your current job! PHP will train you to become a successful Life Insurance Producer and if you work hard enough to become a broker and have your own Financial Agency! Where can you find $150 to start your own business w/ so much FREE training tools, materials and classroom training twice a week! I bet you have to pay 350K to franchise starbucks! I have been in PHP for 4 months, just got my license and appointed. Not making money yet but working on higher commission, promotions and recruiting my business partners! I don't work for PHP but I get all the help than I can get! And everyone are so nice specially Marketing Directors. Not only you will gain knowledge it'll changed your personality to love yourself more! You will not make millions overtime here. You need at least 2-3 years to establish like any business out there! It is simple but it's a lot of hard work. So you quitter out there? This is not for YOU! I believe I am good and honest person, I will continue learning the words and I am taking some action to prove to you all that PHP HELP PEOPLE like me! this is NOT a scam!!!

So i applied through a friend of a friend that posted on fb they were hiring. I was in need of a job. I got called for an interview. Got asked about my life and my goals. Then she said okay im hiring you! In like a 20 min interview!! Im like ... hmm sure!! (I was in a big need of a job) she tells me i had to pay 150 for a license or programs then like 300 for a trip. I left that day feeling uneasy not excited i got a job. I talked to my parents about it and they said wellll we will help u pay for for that ifff you really want to. Im like yess please! My dad gave me the 150 to start off and then i paid one something for saving a spot for me on a trip. The lady said to go in for an orientation the next day. And literary crammed a week worth of information in one day!! I gave her the money and left for the day. I got in my car and CRIED. I cried i was so tired!!! I went home n the next day i decided no im not going to go door to door teaching people about this. I hate doing those things. So i called her and told her to refund me my money im not doing none of that program! She had me on the phone for like 30 min telling me i was giving up and not to listen to my parents. They dont know. Thats when i told her REFUND ME MY MONEY. IM NOT JOINING THAT! She said fine and gave me the number to call to refund me my money and hung up. Rude lady. Her name was Iris and she works in IL. Near Chicago. Learned my lesson!

Pyramid scheme that suckers 99 percent latinos from a man from Iran

i was in it so i know for a fact its a scam. They make money getting more people to pay and join and pay for extra training. This is how they make money, rarely by selling the insurance to someone else. This schemes were started by failing business men who could not make it the real world of business stay away.

This hate-site is opened and operated by a Massachusetts criminal, an Armenian immigrant Marina Noble (former Marine Mkhitaryan).

Her address:

4 Repton Circle, Unit 4101 (first floor), Watertown, MA 02472

Some of her emails (out of countless others): [email protected], [email protected], [email protected], [email protected]

Her phone numbers: 857-540-6933, 857-540-6033


Marina Noble is a famous prostitute, trashed and discarded from her homeland Armenia for a good reason. In the USA she continues her sex-trade and spreading pesky STDs. She is a true threat to the Homeland Security.

Yet, she fools everybody by falsely claiming to be a medical doctor, health professional, biopharma researcher, office manager, office assistant, etc. All her claims are ridiculously FALSE and can be debunked by a three-minute background search.

A notorious shoplifter, Marina Noble (then Marine Mkhitaryan) entered the USA with IMMIGRATION FRAUD, by bribing her way there, in the corrupted Armenia, to the Edmund Muskie Program (without any knowledge in a single English word).

Being somehow admitted to the Program, she dropped from her studies at Boston University School of Public Health, instead planning her stay in the USA by getting pregnant from random men in craigslist and using her pregnancy as an excuse for the green card, dating a married man and insisting him to divorce and marry her for exclusively immigration purposes.


With that, she violated the 212 E Immigration Code that categorically disallows any Muskie Fellow stay in the USA after the program, even if the fellow marries a USA citizen or bears/delivers a child from the USA citizen.

Our efforts to have this hate-site removed, are yet unsuccessful. But there is something the damaged parties (families, individuals, businesses, careers) can do.

Call to the Immigration Authorities, the USCIS immigration fraud reporting line at

1-800-375-5283, 1-866-347-2423, 1-(866)-DHS-2-ICE, or visit ICE.gov

to submit an online complaint againt Marine Mkhitaryan.

You can also mention Marina Noble's amoral actions (including shoplifting, sex-trade, destroying American homes and businesses by generating income through these hate-sites) that constitute MORAL TURPITUDE in the eyes of

Section 212(a)(2)(A)(i)(I) of the Immigration Act.

------------------------------------------------------

Marina Noble's real name (during the immigration fraud) was Marine Mkhitaryan. Use the latter name in your reports, otherwise the USCIS will be unable to locate any Marine Noble.

Some facts:

Marine Mkhitaryan's year of birth: 1966

Marine Mkhitaryan's entrance to the USA, 2001.

Port of entry, Boston/MA

She dropped out from the Muskie Program in 2003.

Got pregnant in 2003, stayed out-of-visa for three years 2003-2006, another violation (as the maximum allowed period for the out-of-visa stay is 6 months only).

She gave birth to her daughter (Sophia Noble) out of wedlock, during the out-of-visa stay. The father was unknown and untraceable, as she had dated too many men in that short period of pregnancy-planning.

William R. Noble (YOB 1966), from 168 Higgins Crowell Rd West Yarmouth MA 02673-3422, agreed to marry her, to father that child and make her green card (against the rules of the USA Department of State).

The marriage was registered in 2006 (despite of the grievance of the Edmund Muskie Program's Administration and the USA Department of State).

In 2009, Marine Mkhitaryan (already Marina Noble) took the oath (covering her criminal life), fooled the Government and became a USA citizen (unlucky for all of us....).

Since then, she is in search of jobs, and cannot keep any job because of her criminality and scandalous, libelous nature. This site (scamgroup.com) and other hate-sites she operates, are making her bread on cost of our ruined lives and careers.

It is unlikely, that Immigration Authorities will deport her after her long journey to this day. However, she will be obligated and enforced to pay the FINE to the Government ( $10,000 - $35,000) for her 212E violations back in 2004.

This will be the justice served .

Don't wait and don't think twice. Report this demon today. Report Marine Mkhitaryan (today's Marina Noble) to the Immigration Authorities. You can also report about her hate-site business to her local Police at Watertown, MA. Their details:

Phone: (617) 972-6500

Emails:

Chief Michael Lawn, mlawn(@)police.watertown-ma.gov

Bureau of Field Operations, rdupuis(@)police.watertown-ma.gov

Check their directory at:

http://watertownpd.org/contact-2/directory/listing/

Many young Hispanics like myself are being victimized by a cult leader named Patrick BetDavid.

He shows them fancy sport cars and sells them dreams of becoming millionaires on Youtube.

The only millionaire in this company is BetDavid. His promises of wealth and success are shallow promises to the gullible masses that dream of better lives.

Start your own life insurance agency and build your own business.

If you follow him all you will acquire is more debt and stolen dreams.

Go build your own life insurance agency and build a better life for you and the community.

Any company that forces you to recruit unqualified victims just to get your list of people you know and sell to them without telling you all the facts upfront is dishonest and not a good way to be in business.

This company is not transparent. Anyone without a good conscience should do very well in this company.

If you have any decency stay away from anyone at this company of bad suits and sweaty palms.

I decided to interview and almost decided that I would join this company. After paying the $150.00 for my licensing, which I already had and training materials which were still to come. I decided, after sleeping on it, that I did not want to join this company. I have been trying now, for 13 business days to get a refund from PHP Agency, as it is written in the contract section 15.3 that if requested within 72 Hours you would receive a refund. The Sr. District Manager Michael Bryan does not respond to phone messages, text messages etc...Their California # listed on the contract is disconnected. Mr. Bet-David does nt respond to messages. I expect them to follow their written policies and not hide like children and be unprofessional. I have tried to get a response from their admin and to no avail...Nothing. I have tried to reach out to Mr. Bet-David and no response. If they treat their prospective business partners in this manner, How do they treat their clients? This is very unethical and unprofessional.

Reading all of these reviews, it sounds like a bunch of people that either tried out the business, or people from other insurance companies just trying to bash PHP. I am almost positive that these are the same people that complain about everything in their lives. Just because it didnt work out for u, doesnt mean that its a scam. How about taking some responsibility for the fact that you didnt want to educate yourselves and put in the work that needs to be done? Do u work 18 hours a day trying to make it for your family or are u the person who puts in a couple of hours and says it doesnt work. How much TV are u watching? Are u playing video games 15 hours a day. Dont complain that u arent winning in life when ur actions dont match up to your mouth. Work is the variable of success! Have a nice day!

For all you folks bad mouthing IUL policies, be aware that whole life is ALSO term insurance with a savings component.

It also NOT the company that is bad, just some of the people. If you are interested in the insurance industry, you can make money equally badly or well in PHP or any other vehicle. It is, after all, insurance.

If you want to sell stuff, that is what this company does. It provides no advisory services, and these folks can't provide any investment advice. Their mission, whether they want to say so or not, is to sell insurance. If you are a normal family, you should probably have some. If you don't need any, they really can't help you.

If you work hard at anything, you will make money. This company doesn't have any special powers.

If you look at the company's financial record, be aware that it is organized as an LLC. This means that,if they go bankrupt, stakeholders (they promise you that you have an equity position in the company) have no position or rights in the settlement. They also have no financial backing or assets, other than themselves. And your stake? This is organized as a predatory LLC, meaning that one person, with a sliver of ownership (the founder, in this case), actually makes all of the decisions. There are no protections of voice in this LLC structure! No true board of director or trustees.

If you look at this company, be aware that they have handed over some top positions to people who have been BANNED from licensing....both at the national level (FINRA) and the state Dept. of Insurance level. Some even have sold unregistered securities (in an illegal manner) time after time.....repeated violations.

Also, stop complaining that they make you come up with a list of people to work with. Complainers here have no idea what they are talking about. All major insurance distributors do this, so why would it be wrong when this company does it? Check out the brand names that do this: Prudential, Mass Mutual, New York Life, Northwestern Mutual, just to name a few. If you don't want to use a list of names, then you need to find a different way....in any business. And quit complaining that they don't provide leads. Are you stupid? What legitimate company actually believes that cold calling strangers is actually a viable and non-harassment method of marketing a product?

People in PHP are NOT advisors. If they position themselves this way, seek out another real advisor. If you want to sell insurance, this may be a way, but there are other, better opportunities. Their leadership is definitely defective.

Also, if you buy insurance from someone because they have a nice car, you are probably an idiot.
If you join a company because people have nice cars, you need to get a better set of friends.

I am not in PHP.

I guess php employees show their true colors here than in person.....
# cult # I drive a better car than u guys when I left the meeting

I love everything about php. I will recommend to anybody that is out looking to get serious with life. They are the best place to turn for help.

to all you claim your big timers in php please quit living in a lie its all fake none of those cars are yours but its ok we know y'all have to act like you work hard and own expensive things to front but funny how y'all live in apartments or very house that do not show you make real money , apparently y'all can make 200k in a week by just scamming people haha funny i make those 200k a day owning my own business and not scaming people y'all are just the little bitches of the ceo so instead of php y'all will be called bhb bitches helping bitches

I really do mean that. Here's a story for everyone.
I was called for an interview and went later on in the week. First off, the location was off-putting. It was on the second floor of a Bank of America in Davie/Plantation. It seemed pretty empty up there. After I went in the office, I was unsure if this was the place. Looked real plain inside.
After waiting a few minutes, I got interviewed. This was about 2 hours. Really (They said it would be about 20-30 minutes).
They ask about my life, my goals, why I work, what motivates me to do all these things. We spoke about different insurance plans. We talk about finance for a bit, albeit some of it being the person making mistakes often.
I was shown a video of the company and their most recent Expo, showing me one with Magic Johnson. (Look it up if you don't believe me!). I was skeptical of joining but ended up signing up. Paid $150 (they said it was normally $179 but if I signed up today, I get a discount.). Look at that...

Now here's where it gets interesting. After talking about all that was mentioned above, we don't talk about insurance or even about finance after I sign up. I end up watching a video on Ed Slott instead, speaking about life insurance. After finishing, I'm asked what I thought about it. Said it was interesting. Immediately after that, I am told that we can start on our FastStart program. All this is is simply writing down your reasons for working with them and....getting a list of people you know and their contact information. By calling the people I wrote down, I had to sell them what was essentially a membership. It doesn't outright say it on the paper they gave me but I have seen this before to know what was going on.
For me to move up and make commission (not salary pay, but commission), I had to sign them up. I told them I'll do it tomorrow.
Leaving the office, I felt uneasy. Almost like I was pressured to call these people. Usually, I look up companies and see if they're legit or not. This time, I had been lazy. At home, I looked it up and saw complaints and stuff.

There's two big takeaways from this whole experience.
1. When you pay the fee to sign up with them, I looked up the classes I would have to take after passing my license (I could get my fee back of paying to take the exam if I finished it before 30 days I think it was). However, the classes after that exam, you have to pay out of your own pocket. Yeah, that's right. The company does not reimburse any money for these classes. They have expos (mentioned above) and you have to pay for that as well! Compared to another place I applied to, they would pay for everything but a fingerprint fee for the state.
2. Now this is the reason that really got me to write this review. If you read the part where I was skeptical of signing up, I had asked the person if there was a refund. The person said no. After looking at the contract back home, I was essentially lied to. (Important!!! If you signed up to this company, don't believe the agent about there being no refunds. You actually have three days to do so. THREE days.) There's a part in your contract (Section 15 I think it was) where it even says so. E-mail them, talk to the marketing director, do everything you can to get your money back before it's too late. To call them, you actually have to use the number located on your member page. The other one they have is out of service.....look at that.

Hopefully this review was of help to any of you considering joining this company. I could go on and on about this company but let's leave it at this.

People who come on board because they see the vision and don't work the business will fail. And when they fail it's easier to blame the scam they fell for instead of the fact they didn't do it. Compensation is real. Cars are real. Cash flow is real. Does it happen to everyone - no. Why? Some don't have what it takes as an entrepreneur. That's not PHPs fault. It's yours. If you want an opportunity to hit financial freedom - this is it. Work hard, follow the education you receive, use the mentorship provided, training 4x a week, online and iTunes education. If you don't learn the business you will fail. If you're expecting a miracle of fast cash overnight it's not going to happen. It's work like everyone else. 6 figures is not uncommon. If you want it you can have it and more if you work it.

And my suggestion is to balance this. The title of this site is scam report. If you were looking for balanced reviews you searched out a negative platform. Instead of looking for a reason to fail look for all the reasons to have it succeed. Seriously - worst case scenario you learn something you didn't know about how to build tax free wealth. Best case scenario - you build your wildest dreams.