American Bill Money Review – Legit MLM Or Scam?


There is nothing better than finding out about a great way to make money with a Multi-Level Marketing (MLM) business.

There are so many MLM businesses out there, that it can be difficult to weed out the bad from the good.

Let me take a wild guess, you have been introduced to American Bill Money (ABM) by someone you know or from one of the many social media advertisements…

Now that you have found my review of ABM, you are probably wondering if it is a legit way of making money, or a waste of time.

This review will be an in-depth analysis of ABM and show you the strengths and weaknesses of the online business opportunity.

You can also check out the step-by-step training that helps me earn over $10,000+ per month working from home.

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An American Bill Money Overview

American Bill Money is a Direct-Mail Lead Source company, founded in 2003 by Paul Korzeniowski.

Paul Korzeniowski is the author and co-author of several books and has around 35 years of experience in businesses related opportunities.

Aside from that, I have to say, his bio information is much more personable than anything I’ve ever seen. It talks about how Paul was an entrepreneur even as a kid, among other things.

ABM’s headquarters are located in Phoenix, Arizona.

The company sends buyers postcards and potential customer mailing information in hopes of generating new clients.

The idea is simply to send postcards during your spare time and hopefully you earn residual income in the process.

ABM gets their leads from what are known as “Industry Sources.”

The leads are comprised of a list of people that have bought or asked about making money through business opportunities within the last calendar year.

This may sound great to you now, but once you look at the compensation plan, you probably won’t be too happy with the results.

Plan To Get Paid…Or Not

Before we get started on the nuts and bolts of the compensation plan, let’s take a quick at what you get for buying into ABM’s MLM business.

There are many variations of the same package, for example, “Heavy Hitter” package but for all intents and purposes, let’s just take a quick look at the Deluxe Purchase Package.

What Comes With The Package:

  • Live operators and a website that operate 24/7. This also includes customer service representatives that answer all customer questions.
  • 2 toll free 1-800 numbers.
  • Fast deliveries through priority mail services.
  • Instant notifications by email or text with every sale that you make.
  • Genealogy reports with every check.

Now that we have an idea of the tools that ABM provides, let’s get down to brass tax…

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Becoming An Affiliate

First things first…you have to become an ABM affiliate which means you have to do 1 of 2 things…

1.  Sign up for the “Monthly Auto-Ship” package. This is a $125 monthly charge. In return you get 150 ABM postcards & 150 potential leads.

When you initially sign up, your sponsor will receive a $75 commission every month. This means that for every successful lead, you could make $75 a month.

2.  Sign up for the “Twelve Month Pre-Pay,” which is $1500 a year. In return you get 1800 leads & postcards, with a bonus of 3200 additional postcards. Your sponsor gets $900, which means you will get the same commission if you successfully sign up someone for the Pre-Pay package.

Before I go any further, I have to point out something that bothered me about the fine print.

Remember I said you get a bonus of 3200 postcards if you choose the Pre-Paid package?

If you look closely, there is no mention of those postcards coming with any leads. I was unable to find any clarification on this either.

What good are free postcards if you are the one that has to somehow find 3200 leads?

Heavy Hitters Club

ABM provides a simple breakdown on a few “what-if’s.”

Figure 1:     

You Refer 5: 5 X $300= $1,500

& They Refer 5 Each: 25 X $300= $7,500

& They Refer 5 Each: 125 X $300= $37,500

Figure 2:

You Refer 10: 10 X $300= $3,000

& They Refer 10 Each: 10 X $300= $30,000

& They Refer 10 Each: 1,000 X $300= 300,000

To be perfectly honest, I have no idea where to begin with these figures.

When was the last time you heard of someone creating a MLM group of 155 people because that is what you would have to do in order accomplish Figure 1.

Don’t get me wrong, it’s possible, but highly improbable. There are simply to many variables that are working against you.

If you think creating a group of 155 affiliates is tough, in order to make the Figure 2 income, you have to create a group of 1,110 members.

I am starting to understand why there is no statistical information readily available for this program. The only redeeming quality  of this plan is that all of the sales are closed for you at no cost.

Residual Income Opportunities


Hmm…Are you Sure?

As mentioned before, you get $75 when you recruit affiliates that are Direct Deluxe qualified. Here is the rub, if you are not Direct Deluxe qualified, you only get $25. This means you only have to have 1 active member in order to qualify for residual commission.

Also, the $25/$75 is paid to up-line sponsors and $25/$75 to their up-line’s, up-line.

Residual commission requirements are much more forgiving than the recruitment commissions but the residual income opportunities seem like a hit or miss.

This is what I mean…Ok I get it, you have to make your first sale before you can start making the max residual income.

What happens if you sell some postcards and the majority of your group members fail?

This is a question that seems to be left unanswered because there are no statistical records to back up any of ABM’s claims.

On the other hand, if you are lucky enough to recruit serious affiliates, you can make a decent amount of money.

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Below is a picture of postcard you are sending:


I have a rhetorical question for you…If you received this in the mail, what would you do with it without even reading it?

Look, I do not have anything against ABM personally, but if it walks like a duck and quacks like a duck…its probably a duck; in this case, a lame duck.

The Positives Of American Bill Money

I really liked the “idea” of ONLY sending out postcards to make money, BUT this is really an out-of-date way to prospect.

The hit rate, or the number of people who sign up is dependent on the quality of the list you’re sending cards out too.

I mean sending it out to random people is a waste of money, because it’ll just go straight in the bin.

I have read comments from people who have sent out postcards from the list of leads provided by American Bill Money, only to find it returned because the person was deceased. This happened more than once.

I mean – what the.

Kinda embarrassing for you and really uncomfortable for the family members who receive mail for their loved ones.

And lets NOT forget, you’re paying for this list as part of your sign up fee.

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The Negatives Of American Bill Money

It’s not a business.

All you’re doing is sending out postcards and hoping for the best.

I mean really … let’s be honest, that’s all you’re doing.

Money is exchanged for postcards and a list of who you can send the cards too.

There’s really no value in any part of the process … and there’s really no business.

I mean what are you paying for?

A bunch of postcards and a list of addresses.

Where’s the product?

The Final Verdict

I would really like to believe that this is a real business, and that people are making money with it, BUT I just can’t see it.

The process is out-dated, and there’s no product.

Is it a scam?

Well, I dunno, because if it was, then the FTC would have shut them down, assuming that they have been scrutinized by the FTC that is.

BUT man, it kinda smells like a scam.

Look I could be wrong, and if I am, then I’m open to hear your experience with American Bill Money, especially if it’s positive … but please be sure to provide evidence that it’s a legit way to earn money in the long run.

If you’re looking for a way to make money, then see what I recommend here.

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3 thoughts on “American Bill Money Review – Legit MLM Or Scam?”

  1. THX for your review. I am a 74 year old disabled Vietnam Vet searching for a way to supplement my monthly monies.

  2. I was in this business for several months paying the $125 per month, sending out postcards, paying for postage and sending traffic to landing page. Guess what? NO money came in period! I finally cancelled this scam. Please do not sign up with this company!


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