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Bay View Law Group – Scam, Complaint, Review, or Praise?

Please share your experience with this debt relief company and provide your review and feedback, in the comments section below.

The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are some potential questions you might be able to provide feedback about.

  • How did you feel about the customer service experience you received?
  • Was the company easy to communicate with before or after you became a client?
  • Did the company respond to your communications promptly?
  • What were the fees charged for the services you received?
  • Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
  • Was the program successful for you and accomplish the goals you had when you entered the program?
  • Did you have a really good experience you can share?
  • Did you have a bad experience you want to share?
  • Is there any other information you’d like people to know that might be considering the services of this company?

It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. But everyone does deserve to have an opportunity to express their opinion, even the debt relief company itself, be it good, bad, or indifferent.

Bay View Law Group   Scam, Complaint, Review, or Praise?
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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.
  • Tundra1971

    I to feel im a victum of bay veiws greed , yes I made bad choices and have paid , bay veiw knows thisthey call in the night like a thife . they do nothing more than what you could do to settel your debt on your own. file bankruptcy . its a terrible thing but so is a slow painful death dragged out for years and when you cant pay no one else bay view will make sure they get there money and as they say they can settel your debts they will make sure they get every last penny you have signed your life away for

  • CBC

    I have had only a good experience with Bay View. My settlements have been good, and they have been very responsive to me. Of course, I read all my paperwork thoroughly and did lots of research on all my options beforehand. Things so far have happened 100% according to what they described, there have been no suprises or problems.

  • Aprennah

    I am an attorney and was approached by BVLG a couple of months ago about joining their network.  Of course I had no idea who they were so I did my research and determined that there is no way in “you know what” that I am risking my bar license by associating with this company.  On top of their bad reputation they wanted 70% of the fees. Really? Are they even a real law firm? There website is not clear on this issue.

  • Vwright7

    They are a ripoff. After they have completely helped me ruin any credit I had left, they kept sll of their fees, which they collected up front!!! I have a real attorney now and theyt are assisting me in reporting the to the Attorney General!!!

  • Vwright7

    They are a ripoff. After they have completely helped me ruin any credit I had left, they kept sll of their fees, which they collected up front!!! I have a real attorney now and theyt are assisting me in reporting the to the Attorney General!!!

    • Aprennah

      I am an attorney and was approached by BVLG a couple of months ago about joining their network.  Of course I had no idea who they were so I did my research and determined that there is no way in “you know what” that I am risking my bar license by associating with this company.  On top of their bad reputation they wanted 70% of the fees. Really? Are they even a real law firm? There website is not clear on this issue.

  • JJ

    Bay View Law Group maybe an actual law firm but their customer service is by far the worst or nonexistent. My aunt received a flyer from them in the mail concerning how to lower and get rid of debt. She called them and talked to a man named George Lopez who sweet talked her in a deal that would get her out of debt in 5 years. She was very excited and she told them to write up legal documents. I took a look at these legal documents and did my own research on this so called “law group” and what I found did not make me happy. They have an “F” rating from the Better Business Bureau, an “F”! There were many loops holes in the legal document that if my aunt were to get in trouble or sued by the credit card company that Bay View would not be there to help my aunt through the lawsuit. Also, she had to pay up-front $8000 over a 21 month span to Bay View while they were “paying off” her credit card companies. From my research I found out that for the first six months they don’t pay off the credit card companies at all but instead pocket the money as their so called “service fees”; which they told my aunt that part of her monthly payment would go to the credit card company and part to Bay View, total lie. This type of technique forces the credit card companies to settle and agree to Bay View’s terms. During this whole crack-pot of a “debt elimination” my aunt’s credit score would have been ruined for the rest of her life! Completely irreversible; meaning that yes she would have been out of debt but a horrible credit score is much more damaging in the long run. We found this out from my research and directly from the credit card company that this is the technique that these debt eliminator law groups execute. I told my aunt to call up Bay View and tell them thank you for your service but we are not going to use your services at this time. The gentleman on the other end of the line, Jimmy, literally started yelling at my aunt and after my aunt explained why she would be pursuing other options he told her and I quote “I hope you stay in debt!” and hung up the phone. And that is why I’m writing this review mainly because of that statement. This shows me that they don’t care about you getting out of debt because if they were an actual respectable company they would have said “I hope you get out of debt and I’m sorry our services weren’t appealing to you.” His statement tells me all they care about is their “clients” money and not getting them out of debt and maintaining a good credit score.

    Before you consider using a law group like Bay View I would strongly consider talking with your credit card company. That is what my aunt did and she is actually getting a better deal after directly talking with the credit card company, rather the bogus deal from Bay View. The credit card companies are not there to make sure you stay in debt, there are laws against that. They will help you out but all you need to do is call them directly and not go behind their backs to groups like Bay View. Hang in there. Times are tough. Solutions are out there!

  • JJ

    Bay View Law Group maybe an actual law firm but their customer service is by far the worst or nonexistent. My aunt received a flyer from them in the mail concerning how to lower and get rid of debt. She called them and talked to a man named George Lopez who sweet talked her in a deal that would get her out of debt in 5 years. She was very excited and she told them to write up legal documents. I took a look at these legal documents and did my own research on this so called “law group” and what I found did not make me happy. They have an “F” rating from the Better Business Bureau, an “F”! There were many loops holes in the legal document that if my aunt were to get in trouble or sued by the credit card company that Bay View would not be there to help my aunt through the lawsuit. Also, she had to pay up-front $8000 over a 21 month span to Bay View while they were “paying off” her credit card companies. From my research I found out that for the first six months they don’t pay off the credit card companies at all but instead pocket the money as their so called “service fees”; which they told my aunt that part of her monthly payment would go to the credit card company and part to Bay View, total lie. This type of technique forces the credit card companies to settle and agree to Bay View’s terms. During this whole crack-pot of a “debt elimination” my aunt’s credit score would have been ruined for the rest of her life! Completely irreversible; meaning that yes she would have been out of debt but a horrible credit score is much more damaging in the long run. We found this out from my research and directly from the credit card company that this is the technique that these debt eliminator law groups execute. I told my aunt to call up Bay View and tell them thank you for your service but we are not going to use your services at this time. The gentleman on the other end of the line, Jimmy, literally started yelling at my aunt and after my aunt explained why she would be pursuing other options he told her and I quote “I hope you stay in debt!” and hung up the phone. And that is why I’m writing this review mainly because of that statement. This shows me that they don’t care about you getting out of debt because if they were an actual respectable company they would have said “I hope you get out of debt and I’m sorry our services weren’t appealing to you.” His statement tells me all they care about is their “clients” money and not getting them out of debt and maintaining a good credit score.

    Before you consider using a law group like Bay View I would strongly consider talking with your credit card company. That is what my aunt did and she is actually getting a better deal after directly talking with the credit card company, rather the bogus deal from Bay View. The credit card companies are not there to make sure you stay in debt, there are laws against that. They will help you out but all you need to do is call them directly and not go behind their backs to groups like Bay View. Hang in there. Times are tough. Solutions are out there!

  • KS guest

    I would like to ask you if you actually read your agreement with them? In my agreement the terms and the trust fund were/are explained and I was given opportunity to ask questions. I even received a call from someone [who said that they were in the compliance department with this company] to discuss if I understood the agreement and processes that I was/am entering into. So, it makes me wonder about you–if you possibly rushed into an agreement that you didn’t understand and now you want to blame the company. Please explain if you would?

  • Michael

    It is quite common to read consumer complaints about companies offering to settle debts. Most of the comments can be whittled down to the angry customer was sold into a process they were not suited to attempt by a sales person with little to no incentive to be blunt with a struggling consumer about their options, or the realities of debt settlement.

    Recent federal rules banning advance fees (for the most part) will more closely align those offering to settle debt with the interest of their customers. In other words, no success – no fee.

    What has not been very common are comments from learned and experienced people calling out the back end staff (the negotiators) at settlement companies as inexperienced and ineffective. Referring to negotiators as “used car/telemarketing type” may indeed be an under reported experience, as it is typically rare to find financial service pros taking the time out of their day to comment in this regard.

    One must wonder how bad the experience must have been that RKatz refers to.

    I am aware of an R. Katz attorney in the financial services industry. Might you be one in the same?

    Michael

  • Rkatz

    I have been in the Financial Service industry for 18 years. I have dealt with many different Attorneys as well as debt settlement companies. I have yet to run across the used car/telemarketing type of posturing of this firms negotiators. These folks are as unprofessional and unpolished as any firms I have yet to come across. In speaking with these negotiators I felt as if I had to take a shower and look at my hands to make sure I still had all ten Fingers. I would think twice before I would have these people as my representative in negotiating terms for a stick of gum. They are a joke in my opinion!

  • Rkatz

    I have been in the Financial Service industry for 18 years. I have dealt with many different Attorneys as well as debt settlement companies. I have yet to run across the used car/telemarketing type of posturing of this firms negotiators. These folks are as unprofessional and unpolished as any firms I have yet to come across. In speaking with these negotiators I felt as if I had to take a shower and look at my hands to make sure I still had all ten Fingers. I would think twice before I would have these people as my representative in negotiating terms for a stick of gum. They are a joke in my opinion!

    • Michael

      It is quite common to read consumer complaints about companies offering to settle debts. Most of the comments can be whittled down to the angry customer was sold into a process they were not suited to attempt by a sales person with little to no incentive to be blunt with a struggling consumer about their options, or the realities of debt settlement.

      Recent federal rules banning advance fees (for the most part) will more closely align those offering to settle debt with the interest of their customers. In other words, no success – no fee.

      What has not been very common are comments from learned and experienced people calling out the back end staff (the negotiators) at settlement companies as inexperienced and ineffective. Referring to negotiators as “used car/telemarketing type” may indeed be an under reported experience, as it is typically rare to find financial service pros taking the time out of their day to comment in this regard.

      One must wonder how bad the experience must have been that RKatz refers to.

      I am aware of an R. Katz attorney in the financial services industry. Might you be one in the same?

      Michael

  • guest

    they offer me from 50.00 to 75.00 for a almost 4 hour drive. And aparently 20-30 minute meeting. They just told me I have to read the contract to the client and get them to sign. I said no, that is a waste of my time and money. The clients didn’t speak english, so was going to have to translate for them too. Also, they told me that I didn’t have to be a notary to do that job. Something smelled fishy so I turned the job down.

  • lynn

    omg, I am going through the same thing, they told me a small fee would go to them monthly and the rest would go into a trust. Now i’m finding out they pay themselves first. They never call me back and I’m basicly representing myself, I’m very upset

  • Steve Rhode

    Lucy,

    This is a very important comment. Many Notaries are being approach by many companies to perform similar tasks. The FTC says the face-to-face meeting is the time the program must be sold to the consumer, not prior. If I read your comment correctly you were given paperwork for the consumer to sign, essentially they had already been sold over the phone and your assignment was supposed to take advantage of a perceived loophole.

    I’m interested in how much you would have been paid for the appointment and if you were told that if the consumer did not sign then you would not be paid.

    What more can you share?

    Steve

  • Lucy

    I am also a Notary and am very leery of this type of work. I don’t want to get involved in something shady. I had a call last week from a co. that I do alot of work for as a Notary so I said I would try this once and see what it’s all about. I went to the appointment with papers in hand then was told I was supposed to explain everything to the clients. As I am leery to start with I was not comfortable “selling” this service, that should have been done by BYLG not ME. Was supposed to be 20-30 mins. turned in to 2 hours and no signing, of course NO PAYMENT TO ME EITHER. I don’t think I want to take anymore of these jobs.

  • Steve Rhode

    Good for you.

    Can you help me to understand what exactly they were asking you to do and how much they were going to pay for you to run documents for signature. Did they expect you to make the sales pitch, as required by the law, or just drop in for signatures?

    Steve

  • Notary-Server

    Re: Bay View Law Group,

    As my husband and I have been process servers and notary publics for about a decade (and I have worked directly with lawyers for 25 years), we were leery about a company that wanted us to say were their “legal assistants” when we brought paperwork to a new customer for signatures, when we did not know Bay View from a hole in the wall. So I took some time to do homework….my first red flag was on the RipOffReport site. Then I saw Bay View Law Group show up on a few other sites. Finally, we looked you up on the Better Business Bureau and read the following:

    Company Rating F
    Our opinion of what this rating means:
    We strongly question the company’s reliability for reasons such as that they have failed to respond to complaints, their advertising is grossly misleading, they are not in compliance with the law’s licensing or registration requirements, their complaints contain especially serious allegations, or the company’s industry is known for its fraudulent business practices.

    Needless to say, there is NO way we are going to jeopardize our good standing and risk losing our licenses saying we work for Bay View.

    In addition, Bay View should be ashamed of yourselves for taking advantage of people who have fallen upon hard times and are trying to find a responsible, reputable company to help them keep their heads above water, who in the long-run merely ties a cement block to their foot. A company like Bay View Law Group representing California clears up a huge question mark as to why this State is broke.

  • Notary-Server

    Re: Bay View Law Group,

    As my husband and I have been process servers and notary publics for about a decade (and I have worked directly with lawyers for 25 years), we were leery about a company that wanted us to say were their “legal assistants” when we brought paperwork to a new customer for signatures, when we did not know Bay View from a hole in the wall. So I took some time to do homework….my first red flag was on the RipOffReport site. Then I saw Bay View Law Group show up on a few other sites. Finally, we looked you up on the Better Business Bureau and read the following:

    Company Rating F
    Our opinion of what this rating means:
    We strongly question the company’s reliability for reasons such as that they have failed to respond to complaints, their advertising is grossly misleading, they are not in compliance with the law’s licensing or registration requirements, their complaints contain especially serious allegations, or the company’s industry is known for its fraudulent business practices.

    Needless to say, there is NO way we are going to jeopardize our good standing and risk losing our licenses saying we work for Bay View.

    In addition, Bay View should be ashamed of yourselves for taking advantage of people who have fallen upon hard times and are trying to find a responsible, reputable company to help them keep their heads above water, who in the long-run merely ties a cement block to their foot. A company like Bay View Law Group representing California clears up a huge question mark as to why this State is broke.

    • http://GetOutOfDebt.org Steve Rhode

      Good for you.

      Can you help me to understand what exactly they were asking you to do and how much they were going to pay for you to run documents for signature. Did they expect you to make the sales pitch, as required by the law, or just drop in for signatures?

      Steve

    • Lucy

      I am also a Notary and am very leery of this type of work. I don’t want to get involved in something shady. I had a call last week from a co. that I do alot of work for as a Notary so I said I would try this once and see what it’s all about. I went to the appointment with papers in hand then was told I was supposed to explain everything to the clients. As I am leery to start with I was not comfortable “selling” this service, that should have been done by BYLG not ME. Was supposed to be 20-30 mins. turned in to 2 hours and no signing, of course NO PAYMENT TO ME EITHER. I don’t think I want to take anymore of these jobs.

      • http://GetOutOfDebt.org Steve Rhode

        Lucy,

        This is a very important comment. Many Notaries are being approach by many companies to perform similar tasks. The FTC says the face-to-face meeting is the time the program must be sold to the consumer, not prior. If I read your comment correctly you were given paperwork for the consumer to sign, essentially they had already been sold over the phone and your assignment was supposed to take advantage of a perceived loophole.

        I’m interested in how much you would have been paid for the appointment and if you were told that if the consumer did not sign then you would not be paid.

        What more can you share?

        Steve

      • guest

        they offer me from 50.00 to 75.00 for a almost 4 hour drive. And aparently 20-30 minute meeting. They just told me I have to read the contract to the client and get them to sign. I said no, that is a waste of my time and money. The clients didn’t speak english, so was going to have to translate for them too. Also, they told me that I didn’t have to be a notary to do that job. Something smelled fishy so I turned the job down.

    • brenda

      I received a call as well asking me to get signatures from a potential client. But first, I was to go to their website and view their 4 tutorials so that I was better prepared to explain the process and represent the company as a representative.  After reading the contract, bells started going off.  So, I looked them up on the BBB and saw the big F rating.  I also read the complaints and all of them were consistent.  Needless to say, I am not willing to put my State Licenses on the line for $65.00.  No thank you!

  • Christopher D

    Bay View Law Group had been very good to me. I was about $45,000 in debt from credit cards and medical bills. After I had built up money in my trust account, they settled my Discover Card for 27 cents on the dollar (a $12,500 debt settled for under $3,400!) I have about 2 more years in the program and can not wait to see how much more I can save.

    The only advice I can give to people looking to get help with their debt is to follow the program religiously. They tell you to not pay your credit card bills, and to not talk to your creditors (as I did hire the law group to deal with those people). They tell you that the sooner you can get money into your trust, the sooner they can settle with the creditors. They also ask that if you do get any correspondents or legal documents from your creditors that you send them in as soon as possible, so that they can deal with them (which is why they were hired in the first place).

    This is an amazing program, the only way it can fail is if you do not commit to the program.

  • Christopher D

    Bay View Law Group had been very good to me. I was about $45,000 in debt from credit cards and medical bills. After I had built up money in my trust account, they settled my Discover Card for 27 cents on the dollar (a $12,500 debt settled for under $3,400!) I have about 2 more years in the program and can not wait to see how much more I can save.

    The only advice I can give to people looking to get help with their debt is to follow the program religiously. They tell you to not pay your credit card bills, and to not talk to your creditors (as I did hire the law group to deal with those people). They tell you that the sooner you can get money into your trust, the sooner they can settle with the creditors. They also ask that if you do get any correspondents or legal documents from your creditors that you send them in as soon as possible, so that they can deal with them (which is why they were hired in the first place).

    This is an amazing program, the only way it can fail is if you do not commit to the program.

  • Cass

    Bayview Law is a way to work with Debt Settlement however they don’t prepare you for the fact that you are suppose to be in the program for approximately 3 years and in that time creditors can sue you and get wage garnishments against you which doesn’t help in the process. We had to call the firm to force a fast settlement to get this done and in the end we had to do some of the work ourselves. Once the Debt Settlement is complete about 6 months your credit improves. However, you have to have the money ready for them to do the settlement. They don’t tell you that the first 6 months payments sit in a trust to pay them not your creditors.

  • Cass

    Bayview Law is a way to work with Debt Settlement however they don’t prepare you for the fact that you are suppose to be in the program for approximately 3 years and in that time creditors can sue you and get wage garnishments against you which doesn’t help in the process. We had to call the firm to force a fast settlement to get this done and in the end we had to do some of the work ourselves. Once the Debt Settlement is complete about 6 months your credit improves. However, you have to have the money ready for them to do the settlement. They don’t tell you that the first 6 months payments sit in a trust to pay them not your creditors.

    • lynn

      omg, I am going through the same thing, they told me a small fee would go to them monthly and the rest would go into a trust. Now i’m finding out they pay themselves first. They never call me back and I’m basicly representing myself, I’m very upset

      • KS guest

        I would like to ask you if you actually read your agreement with them? In my agreement the terms and the trust fund were/are explained and I was given opportunity to ask questions. I even received a call from someone [who said that they were in the compliance department with this company] to discuss if I understood the agreement and processes that I was/am entering into. So, it makes me wonder about you–if you possibly rushed into an agreement that you didn’t understand and now you want to blame the company. Please explain if you would?

      • Tantuanique

        Lol I agree with you. If your dumb enough to sign something and not read it then its on you! Common sense people! This is the thing if you owe a creditor 20,000 and expect someone to settle you debt with $300, then you have issues. If someone owed you 20,000 would you except 300 as a down payment and then a little money a month for 3 years, no it doesnt work like that. If thats the plan you had then you should have considered consolidation not debt settlement. Debt settlement is great if you are able to save large chunk sums a month of about 1k or so, then yes its works for you and you save lots of money. Also, if you are not saving money every month like the plan outlines or sending in the creditor letters which it specifically states in my contact then you are not going to be successful in the program. Once all that was explained to me I started getting great settlements. Again, COMMMON SENSE PEOPLE!!!!!

  • Brad

    BayView Law appears to play fast and loose with the Do Not Call laws, for the lead providers who call on its behalf definitely do not bother to scrub their call list against the federal DNC Registry.

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