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Mossler Law Firm Debt Settlement Review

Address:
Post Office Box 279,
Jamestown, Indiana 46147
(800) 304-1785

Post Office Box 2000
Rancho Cucamonga, CA 91729

PO Box 2100
Rancho Cucamonga CA 91729

Mossler Law Firm, P.C.
PO Box 2200
Rancho Cucamonga, CA 91729-2200

Website:
MosslerLaw.com

Description:

The Mossler Law Firm, P.C. is a full service consumer law firm, and we are a federally designated Debt Relief Agency under the United States Bankruptcy Laws. We assist people with finding solutions to their debt problems, including, where appropriate, assisting them with filing bankruptcy.

Management

Indiana Bar Association
Attorney Number: 16816 49
Attorney Name: MR RICHARD STEPHEN MOSSLER
Firm Name: THE MOSSLER LAW FIRM, P.C.
4000 WEST 106TH STREET
SUITE 160-123
CARMEL, IN 46032-0000
317-292-0405

Contacts

Relationships

LEXXIOM

Interesting Points

Richard Mossler is licensed to practice in Indiana but not in California.

i keep getting a phone call from someone who works for a mossler law firm. he says that u can consolidate your credit cards by stop paying the credit card put the money into an account then they negotiate with the companies to get a lower amt.. i figure its a scam but i was just wondering if anyone else has heard of them or that? – Source

Hello, I am responding to your post regarding all these companies. I will tell you what I know. Just so you know,Seideman Law Firm and Lexxiom are in the same building. The physical address for that building is 11690 Pacific Avenue Fontana, CA 92337. Its a huge warehouse building in an industrial area. Basically this is how they work. First, people (clients) go to the agencies like Epic, Debt Relief, Smartdebtor because they are drowning in credit debt. Then the agencies the refer them to Mossler or Iniguez Law firms. They have them sign contracts and tell them the attorneys will negotiate their debts, take care of them, and they will end up paying 65% less. It sounds good to most people. After they sign the contract, the client’s file is then sent to LEXXIOM. Lexxiom reps call the clients and tell them they are reps of either Iniguez or Mossler. Lexxiom is also the company that drafts the payments from the clients. But before Mossler and Iniguez, these agencies used to refer clients to PALMER LAW FIRM and SEIDEMAN LAW FIRM. Why not anymore? Because those two firms got into alot of trouble and got a ton of lawsuits!!! You can check this out on your own. So they must start fresh and new, and pick new law firms. They probably will find new ones once Iniguez & Mossler get sued also. They charge clients 10% of the total debt. Then ontop of that, $65 a month. Once a creditor is settled, they charge 33% of the difference they saved you and you owed the creditor. All these companies are one big extended family somewhat. Robert Lemelin owns Lexxiom and Smartdebtor. The agencies are just out to get money, and the first payment a client makes goes to the agency that referred them. The files of clients are full of PERSONAL info…credit card numbers, Socials, dates of birth, addresses..you name it!! and they are just stacked one ontop of another in that Lexxiom building. If someone that stole identities broke in that building, it would be a goldmine since that info is not secured under lock and key or a very secure system!!! Thats all for now. – Source

I have done some research on the Mossler and Iniquez Law Firms. I responded to a few radio ads to help with my debt and each time I ended up at the Iniguez Law Firm trying to settle my debts. The first call was through a company called Smart Debtor and the other was through Debt Relief Group. I got two different qoutes which seemed like a bunch of lies. Each time I felt very pressured to do something quick before I get “sued” or get my “wages garnished”. I have just fell behind, and I know enough about debt to know that is at least 6 months out if it ges that bad. All of my credit card companies were willing to work with me. Anyways, my research concluded that the Mossler and Iniguez Law firms work out of the same building in Southern California in a city called Rancho Cucamonga. They use the same number except that Mossler is based out of Carmel, Indiana and Iniguez is based out of Downey, CA. Yet, they both have a PO BOX in Rancho Cucamonga. I did more research into Debt Relief and Smart Debtor and found that Smart Debtor is listed as a company in Fontana, CA and is owned by Robert Lemelin. It is the same address as a company called Lexxiom which is also owned by Robert Lemelin. Smart Debtor says they are a free Attorney listing Service, but after a few calls pretending to be different people, they always will transfer you to Iniguez or Mossler and they only offer debt settlement. Something is fishy here! Stay clear of this place! Stay tuned for more as I research more! Do your homework and test out what I have found! – Source

Let me explain EXACTLY how The Palmer Firm, Seideman Law Firm, Iniguez Law Firm and Mossler Law Firm work. First of all, Seideman is no longer in “business” since 2006, claiming they had too many client’s to service. That is when Palmer started. Suddenly they are no longer accepting clients. Now it’s Iniguez and Mossler. While these “law firms” have different addresses, attorney’s etc., believe me when I say, they have nothing to do with the settlement of your debt. Your debt is settled through a company called Lexxiom, Inc. and are located in Southern California. The attorneys provide the name, and that is it. I have no idea how it is legal and how it’s done, but that’s how it is.

When a prospective client sees an ad on T.V for debt settlement, they call the number given, provide all of their information to the unknown person on the other end of the line. The prospective client is then told there will be a one time fee of x amount of dollars, payable to the company seen on T.V. Banking information is taken over the phone, rarely payment is made in actual check form, however that is accepted but discouraged. The agent then, in most cases, faxes the “Legal Service Agreement” to the prospective client. The agent will tell the prospective client that it is imperative the agreement is returned immediately. In my experience in speaking with the clients, as a former employee of this company in CA, client’s felt rushed as if they would miss their opportunity to get their debt settled if they didn’t sign, date and return the forms by the next morning if not that day. Unfortunately, the client’s also trust what the agent is telling them as far as what is in the agreement, what the fees are, etc. So the client then signs on the dotted line, and returns all necessary paperwork without actually reading the service agreement. I must also point out that the service agreement absolutely does state all fees charged, the possibility of litigation, etc.

So now the client is enrolled with the debt settlement services. Great. Not really. There is a retainer fee that needs to be paid to the “law firm”, but it’s really going to the company in California. I’m sure a portion of it goes to the “attorneys”, but probably not much. I am unsure of how the retainer fee works these days, but it used to be that 8%-10% of the total amount owed was the retainer fee. You are charged $65.00 monthly, for maintenance. I never quite understood what that was for. I was asked numerous times what exactly was the maintenance fee used for, and honestly, I never had a very good answer. It’s a money making fee, plain and simple. Then we have the settlement fee, which is 33% of the amount that you are saved. And yes, if they save you over $600.00, you are going to owe the IRS. It is considered income. This is something else a majority of the clients are never told until it is too late. So, the company saves you X amount of money, and now you have to pay off the settlement fee before anything other accounts will be touched. Depending on what was saved, the settlement fee can be rather outrageous. I have seen some settlement fees at $6,000.00. If a client is paying $400.00 monthly, it’s going to take them 17 months to pay that off, because what is really going into the trust account is $335.00. Remember the maintenance fee? In the meantime, while the client is paying off the settlement fee, the creditors are getting impatient. And they will sue you for the money! I should also mention that the time frame the client is given for being in the services? Always count on another 2+ years on top of that.

Now, when the client is sued by a creditor, they are served a summons. The client is supposed to call the law firm, speak with someone in litigation, the representative in litigation requests the documents be faxed to the office to speedier service. That’s a joke right there. I can’t tell you how many times I had spoken to client’s that had not heard anything from the law firm in over 2 weeks, with a court date arriving much to quickly. The representatives cannot give you legal advice, or at least they are not supposed to. They are not attorneys or paralegals. They are people off of the street who have applied for a job. Plain and simple. Most are young and inexperienced, but not all. When the legal representative does call the client back, it is to let you know you need to contact a local attorney that we have acquired to represent you. The company got into some trouble a while back because we were “handling” all legal issues from California. Whoops! So the client calls the local attorney, who then tells the client there is a fee for hiring him to appear in court, so on top of everything else you are already paying, here you have another fee. Half of these attorney’s don’t show up to court, and rarely call the client with updated information. It’s sad.

Bottom line is this, do not go with ANY debt settlement company. They rarely help people get out of the debt they are in. If you are contemplating enrolling in this type of service, I ask you to really do your research. Call the creditor, I know for a fact they will work with you. Rarely they will not. If you are retired or permanently disabled, and your only income is pension, disability, etc., the creditors CANNOT touch you. They CANNOT go into your bank account and freeze it and they CANNOT garnish your wages because you do not work. The only option for them in this situation is to put a lien on your home, which they may do. But unless you are planning on refinancing or selling, you have nothing to worry about. And if someone is in serious debt, speak with your local counsel regarding bankruptcy. It’s a better option, I promise you.

I know I most likely have left alot of information out, but this post has already turned into a novel, and I apologize for that. I just want to make sure all of you out there know what debt settlement companies are all about. Making money from the naive and elderly. Unfortunate, but true. – Source

Complaints

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Mossler Law Firm Debt Settlement Review

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • Marie

    Seideman,Palmer,Mossler,Iniguez,Smart Debtor,Lexxiom are all one company looking to rip off people looking for help with credit card debt.Robert Lemelin is the president and his Brother Brian Lemilin and Sister Lori Balderama are in control of the company, they have their friends and other family members as supervisors have no problem ripping off millions of people in all states, they have been sued and like to brag that they never lose a law suit.BIG lie. They have had to pay thousands back to the state of Vermont and Virgina.The company is located in a warehouse building at 11690 Pacific Ave.Fontana Ca they hire as they put it any one that can breath, they pay the workers a min and cut hours and harass all day. They put women in charge as supervisors under the Family members who are managers,Jesse,Claudia,Shannon, Lori’s husband Oscar,the adopted son John. The women in charge are Candis,Ariana,Joanna,who are women on a big power trip,they like to harass the workers till they feel the need to quit or go out on stress.Women who have nothing better to do but be little and think they are better when in fact they are no better then any other uneducated individual if you need to get your money refunded all you have to do is call the Retention line and state you want a refund if you are given a hard time state that you will be contacting the attorney general or the B.B.B. This will get you your funds back.This company does not care to ruin your credit, let you lose your home, or let you or your family suffer.They plan trips to Hawaii have an Employee party every month.The owners drive a Porsche,have yachts,Moterhomes parked on the premises,All thanks to ripping off unsuspecting people.They have no problem ripping off the I.R.S they have a controller Tracy and Linda and Dacia,Molly to do the dirty work and hide the illegal money laundering are a company of crooks that needs to be shut down and stopped from any more harm done to people who are already down on luck.Lexxiom remember you have been crooking people for over 8 years. Karma,Is coming for all of you!!

  • Marie

    Seideman,Palmer,Mossler,Iniguez,Smart Debtor,Lexxiom are all one company looking to rip off people looking for help with credit card debt.Robert Lemelin is the president and his Brother Brian Lemilin and Sister Lori Balderama are in control of the company, they have their friends and other family members as supervisors have no problem ripping off millions of people in all states, they have been sued and like to brag that they never lose a law suit.BIG lie. They have had to pay thousands back to the state of Vermont and Virgina.The company is located in a warehouse building at 11690 Pacific Ave.Fontana Ca they hire as they put it any one that can breath, they pay the workers a min and cut hours and harass all day. They put women in charge as supervisors under the Family members who are managers,Jesse,Claudia,Shannon, Lori’s husband Oscar,the adopted son John. The women in charge are Candis,Ariana,Joanna,who are women on a big power trip,they like to harass the workers till they feel the need to quit or go out on stress.Women who have nothing better to do but be little and think they are better when in fact they are no better then any other uneducated individual if you need to get your money refunded all you have to do is call the Retention line and state you want a refund if you are given a hard time state that you will be contacting the attorney general or the B.B.B. This will get you your funds back.This company does not care to ruin your credit, let you lose your home, or let you or your family suffer.They plan trips to Hawaii have an Employee party every month.The owners drive a Porsche,have yachts,Moterhomes parked on the premises,All thanks to ripping off unsuspecting people.They have no problem ripping off the I.R.S they have a controller Tracy and Linda and Dacia,Molly to do the dirty work and hide the illegal money laundering are a company of crooks that needs to be shut down and stopped from any more harm done to people who are already down on luck.Lexxiom remember you have been crooking people for over 8 years. Karma,Is coming for all of you!!

  • Albert

    i am with a debt relief customer , wondering just how good mossler is and if there on the take or even on the same side as there customer

    what rank is the mossler law firm?of all the debt relief companys in united states. Customer satisfaction, up front and no BS to costomers. hard lined negotations . customer in mind

  • Albert

    i am with a debt relief customer , wondering just how good mossler is and if there on the take or even on the same side as there customer

    what rank is the mossler law firm?of all the debt relief companys in united states. Customer satisfaction, up front and no BS to costomers. hard lined negotations . customer in mind

  • mariam

    Again, read the contract… if it was sent in english you should have called them to send in spanish… or read it for your parents… the contract does state you can get sued…. i read everything with a fine tooth comb… it is scary and it is a risk ….. you can get sued…. your not paying the creditors….they have a right to sue… and yes it does say if you get sued you can use their lawyers and did you really think it would be Free…. if mossler claimed it was easy i would be leerly… they did not claim it would be easy…. they claim they will try to negotiate with your creditors…. READ
    Read, and Read… always read the fine print…if not in your language your parents should have called you to help them. I was never guaranteed anything… all they said if the creditors negotiate then you will be debt free in so many years…… come on people… you have to do your homework too…

    • Jim

      I know Rick Mossler and about 5 years ago he told me that debt settlement companies are thieves and they rarely help anyone get out of debt. That’s when he was a bankruptcy lawyer. I guess he opted for the “easy money”. Knowing what kind of guy he is I can’t say I’m surprised.

      • mariam

        ….and this surprises you that that any attorney is a thief…. attorneys are that and sharks…but they do know the law…. so far they are helping me… can’t say anything bad…. 9 accounts down to three now….. and i even had to skip a monthly payment this past month… not a problem… remember attorneys need to make money too.

    • sjewell

      Who are you working for anyway.  They are scam artist and it is as simple as that!!

  • Lissette Vasquez

    Too bad Mossler’s first representative in their Spanish line named, “Erik Rodriguez” did guarantee that my parents would get out of debt in Three years to be exact. Conveniently always leaving out the part that in 5 to 6 months after hiring them and them failing to pay or negotiate with you’re creditors you will be sued, as a matter fact we’ll want $1000.00 more immediately when you get to need legal counsel because you’re being sued by you’re credit card companies. This was never mentioned to my parents at all. It was not until a police officer showed up at their door was that they knew what was going on in reality and they were then told that in order to keep being representing by MOSSLER they now had to pay more even though the Credit Card company hadn’t even heard of their behalf. I am currently working with the Attorney Generals office to find some sort of sense into everything this company put my parents through,FRAUDULENT promises in initial consultation, deception, purposely keeping the LAWSUIT potential to themselves, rushing my parents to sign agreements and that the monthly payment be taken directly out of their account and CAREFULLY sending their hilarious “what do I need to do when I get sued” packages in ENGLISH to my parents, along with the ENGLISH legal fee schedule, which all sent after the fact they were hired. It sickens me that they are actually still in business. DO NOT HIRE THESE PEOPLE.

  • mariam

    i have been with mossler law firm since the beginning of the year… had 9 accounts with them…settled five so far….. no problem……. you have to read contract they send you to understand everything…they tell you you can still get sued, they tell you that the credit card company’s are going to still add late charge fees, high iterest, etc……etc…. think of it this way.. if you were just paying the min. on them and only sqeeking by and still paying late.. .you were getting nowhere… at least with them …. the balance may go up and then they settle…you still are paying less than what you would have owed by paying late and just the minimum …and plus now you no longer owe the credit card company….. also…. there is a monthly fee, and they do get 33% of the difference saved…. but i was never charged another 10% of anything…… not sure where that is coming from…over all at this time i am satisfid with them… it is a scary situation to be in and i AM WELL aware i can get sued…but at least the credit card company’s know i am trying to settle…. and not just ignoring them….. i believe the majority of the people that joined mossler and now are giving negative feedback did not read the contract that was sent to them….. mossler law firm never guaranteed anything… which is a good thing cause if they guaranteed me out of debt with no problems… i would be leery….. READ YOUR CONTRACT…..

  • Richard Hooker

    I am trying to reach the Mossler Firn in Cucomundo, California. I am a client and need to respond to an inquiry they left on my phone machine. It is ref=garding my acxcounts with AT&T. I do not have the information available ie:account numbers, dates ect. If there is any way you can forward this mail of send me a link to their office or phone number.
    Regards,
    Richard Hooker
    740-654-3101

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