The DisputeVoice Investigative Report: The Hidden Funding Machine — How Credit Stacking, DFY Automation, and Deceptive Business Funding Schemes Exploit Entrepreneurs

Updated: July 3, 2025

Introduction: A Systemic Problem Unveiled

Across the United States, a troubling funding model has emerged: entrepreneurs are drawn into high-risk financial arrangements under the guise of “credit expansion,” “business funding,” and “hands-free” income opportunities. Promising rapid access to capital and passive eCommerce income, these schemes often leave aspiring business owners in debt, with damaged credit and little recourse.

This report, built from lawsuits, public records, and first-hand accounts, exposes how individuals like Blake Evertsen, Eyad Abbas, and Dustin Heinrich Boudreau — alongside entities like Evertsen Equity, Hurricane Capital Group, Empower Consulting Group LLC, Empower Cosmetics LLC, and Onyx Ecom — represent a broader, systemic problem within the business funding and DFY automation industry.

Part 1: The Hidden Funding Machine

At first glance, credit stacking and DFY automation appear as modern tools for business growth:

  • Credit stacking: Applying for multiple business credit cards to access working capital.
  • DFY automation: Turnkey Amazon and eCommerce stores promising “hands-free” income.

In legitimate settings, these tools can be helpful. But when abused, they morph into a funding machine designed to:

  • Pressure clients to inflate income or misrepresent occupations.
  • Funnel funds into high-fee DFY programs with questionable success rates.
  • Layer LLCs and payment processors to obscure financial trails.
  • Extract upfront fees of 9-11%, regardless of client outcomes.

Entrepreneurs are left with mounting debt, suspended Amazon accounts, unprofitable stores, and legal entanglements.

Part 2: The Lawsuit Timeline — Tracing the Evolution

Lawsuits filed across the country reveal a coordinated pattern:

  • 2020-2021: Empower Consulting and Evertsen Equity form. Aggressive credit stacking and DFY Amazon pitches emerge.
  • 2022: Browning lawsuit details inflated income coaching, misrepresented funding promises, and funds routed through Evertsen Equity.
  • 2023: Ferguson lawsuit alleges high-interest loans, DFY store failures, and legal venue manipulation. Robinson lawsuit highlights unpaid settlements and broken contracts.
  • 2024: Martono-Chai lawsuit exposes aged Amazon store sales, deceptive credit repair, and DFY automation failures.
  • 2025: A federal RICO lawsuit seeks to expose the coordinated enterprise. Reports surface of shell companies, rebranding efforts, and obfuscated payment processing.

Together, these cases illustrate the systemic nature of the funding machine.

Part 3: The Industry-Wide Problem

This issue extends beyond individual bad actors. An entire industry has emerged, capitalizing on:

  • Aggressive credit stacking consultants coaching income misrepresentation.
  • DFY automation sellers exaggerating profits and downplaying risks.
  • Minimal regulatory oversight enabling repeated abuse.

Investigations by the FTC and BBB reveal:

  • Thousands of consumer complaints tied to DFY Amazon and credit stacking scams.
  • FTC settlements against Nevada-based stacking schemes.
  • Warnings about inflated funding promises and deceptive eCommerce offers.

Part 4: The Deception Playbook

Predatory funding and DFY automation schemes rely on:

  • Vague language (“credit expansion” vs. “credit stacking”) to obscure research.
  • Upfront coaching fees disguised as “business development packages.”
  • Complex LLC structures to route payments and shield accountability.
  • Misleading profit claims for eCommerce automation.
  • Aggressive sales tactics discouraging independent research.

As Steve Chayer of DisputeVoice explains:

“When Dustin Boudreau pitched us, they never used the term ‘credit stacking’ — a term that, if mentioned, would’ve been easy to research and understand as a high-risk strategy. Instead, they called it ‘credit expansion,’ a deliberately vague term that, when searched, yields generic descriptions and unrelated results. This linguistic shell game is designed to prevent entrepreneurs from becoming fully informed.”

Part 5: How to Protect Yourself

Entrepreneurs can avoid these traps by:

  • Refusing to inflate income or misrepresent details.
  • Questioning exaggerated claims of “guaranteed success.”
  • Insisting on clear, transparent terms.
  • Verifying providers through the FTC, BBB, and state AG offices.
  • Reporting suspicious offers.

Part 6: Lawsuits, Investigations, and the Search for Accountability

Legal and regulatory actions are mounting:

  • FTC settlements against similar credit stacking schemes.
  • State AG investigations into DFY Amazon offers.
  • The RICO lawsuit alleges a coordinated enterprise exploiting entrepreneurs.

Yet, gaps remain:

  • Shell companies and rebranding efforts frustrate enforcement.
  • Minimal regulation enables new entrants to replicate these models.

Part 7: The Final Word — Your Voice Matters

These schemes thrive on silence. But every story shared, article published, and complaint filed chips away at their influence. Victims, journalists, and regulators play a critical role in exposing and reducing these risks.

DisputeVoice exists to ensure visibility. But your voice fuels the change.

Call to Action

If you’ve experienced similar schemes:

  • Share your story confidentially or publicly.
  • Report deceptive practices to the FTC and your AG.
  • Engage with trusted resources and communities.

Together, visibility becomes accountability.

Related Resources

DisputeVoice.com — Exposing Deceptive Business Funding, One Case at a Time.

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