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Law Office of Evan Kagan Legal Debt Agreement. Offers to Settle Debt for Free.

A tipster (send in your tips here) sent in the following agreement from the Law Office of evan S. Kagan for debt help representation. The tipster (send in your tips here) said:

Take a look at the new program that is supposed to “benefit” the customer with $9000 in non refundable fees. Not only is more than debt settlement this customer is paying 30% in fees with no guarantees. I thought you would think Its amazing that they are quoting 100% success rate.

From reading the agreement between Kagan and the consumer I found some interesting parts.

  1. Law Firm will send creditors letter of representation and request for debt verification.
  2. The Law Firm shall audit all documents that are produced to attempt to find potential violations of federal and state consumer protection laws.
  3. “Generally” litigation against creditors is on a contingency fee basis with no charges to the client if the firm is able to recover damages and/or Law Firm fee.
  4. Law Firm will defend client in any litigation and client must pay filing fees associated with the filing of appeals.
  5. THERE IS NO CHARGE TO CLIENT FOR THE SERVICE OF RENEGOTIATING, SETTLING, OR IN ANY OTHER WAY ALTERING THE TERMS OF ANY DEBT BETWEEN THE CLENT AND ANY UNSECURED CREDITOR OR DEBT COLLECTOR, INCLUDING A REDUCTION IN THE BALANCE, INTEREST RATE OR FEES OWED. THIS SERVICE IS PROVIDED FREE OF CHARGE AND INCIDENTAL TO SERVICES ABOVE.
  6. The Law Firm fee for services is a NON-REFUNDABLE fee of $9,000 which will be paid in monthly installments. [Based on $31550 of debt.]
  7. There are no additional monthly fees.
Law Office of Evan Kagan Legal Debt Agreement. Offers to Settle Debt for Free.

I’m away at the moment with limited internet access. So if you read the following agreement and spot anything of interest I missed on my quick review of it, please add a comment with your observations below.

Law Office of Evan Kagan Legal Debt Agreement. Offers to Settle Debt for Free.
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I can always use your help. If you have a tip or information you want to share, you can get it to me confidentially if you click here.

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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.
  • Seattlelite

    How about you just pay your debt, Or avoid getting into debt buy not buying what you can’t afford. Only spend what your able to pay for. I dont understand why so many Educated americans can’t manage their own debt. SMH

  • William R. James

    I for one have recorded these crooks violating several laws.  Kagan and his pack of criminals are sleazy crooks and nothing more. And you can tell them I am saying so here and elsewhere online. My name is William James and if those crooks just respected the do-not-call list and or didn’t harass me up to nine time s a day for a long time after I’ve told them repeated never to call me again, then I wouldn’t be talking about them.  They are liars, they are thieves, they are criminals, and anyone trusting them is a fool.

  • Bighebrewboy

    SORRY KAGAN WE HAD TO PUT YOU AWAY ITS FOR YOUR OWN GOOD …..JOHN

  • Bighebrewboy

    SORRY KAGAN WE HAD TO PUT YOU AWAY ITS FOR YOUR OWN GOOD …..JOHN

  • Randy joyce

    Kagan is been tacking 500.00 a month and i cant get in touch with them, can you help—rjoyce

  • The Truth

    Yes you do owe the debt but the credit card companies have a responsibility to consumer to service them and their accounts in a compliant fashion. If you have been taken advantage of and from your statement you clearly have been then you should seek legal counsel. Evan Kagan or whatever attorney you feel can specialize in this type of consumer defense.

    Don’t forget who bailed out the banks when they needed it, YOUR tax dollars.

  • The Truth

    About time someone from the outside looking in has shed some light on this situation. You seem to well educated and have a very good understanding for this industry and the horrible people that have taken advantage of it for all these years.

  • Vincent

    As a reader of these types of articles and beleive me I am neutral in what seems to be a vicious fight between attorneys and a debt settlement companies and their attorneys. In this case I will have to agree with the consumer attorneys in this case. There are several reasons why I state this:

    1.Consumer attoneys (and there are many out there) have been solving consumers problems since consumer laws have been in effect by either settling legally their debts, Finding violations of Federal and State Consumer Laws ( and there are many different cases won against corporations, banks, etc just do a google search for consumer attorneys & case studies…) including most offer Debt Collection Defesnse. So all these allegations of a consumer attorney being fraudulent are totally unfounded. I personally found many major and reputable law firms offering the same services. I cannot see how a client can be misled, unless the attorney has guaranteed results ( which I doubt any attorney would do ). With that being said, What really seems to be ensuing is possibly The law firm of Evan S Kagan was actually

    A. Suing or attempting to sue the FBL Associates group and other debt settlement companies on behalf of clients.

    B. Attempting to recover fee’s paid to these debt settlement companies with legal letters ( Which I am sure that many attorneys are doing now on behalf of their clients). Due to the New Debt Settlement Consumer Protection Act and FTC rules. That basically will put these unscrupulous and deceptive Debt Settlement Companies out of business. In fact one of the new FTC rules are that clients can receive a full refund of their fee’s unless their debt is settled.

    2. Debt settlement companies for the most part are unlicensed, scrupulous, deceptive companies. That just leave debtors in a worse situation ( after signing up for their services)
    leaving many debtors to file bankruptcy after deceiving their clients and telling them not to pay their bills while they rack up more interest, fee’s etc…. Please read more about this on the FTC government site. It seems that in this situation FBL Associates, ESP and all these companies are open to legal suits from attorneys, State Attorney Generals Offices. The FTC and many other regulators for their deporable deceptive trade practices. After visiting the FBL Associates website. It is even more deporable that this company is now offering bankruptcy serivces for clients that where duped by them into debt settlement and now basically reinventing themselves and deceiving clients all over again. ( There are many legal strategies and defenses using Federal and State Consumer Statues that even the largest law firms in the world offer within their legal services.) without filing for bankruptcy. Congress passed bankruptcy laws several years ago, To Discourage people from filing bankruptcy until it is the only option available ( Which only a reputable attorney can determine). It is questionable why attorneys who where listed on the FBL website as affiliate attorneys, are now claiming that they where not affiliates and never did business with them. in fact they should be investigated for false claims, But I am sure they have mastered how to falsify claims.

    After all this said and reveiwed the facts of both of these companies and their respective attorneys. I beleive that there have been many misconcieved notions, and misleading information, and claims. On this matter, after visiting both of their websites and reviewing all theor claims and information.

    I would have to come to the conclusion, that it seems that the real case here is that these debt settlement companies have nothing to lose ( since again most will be out of business due to the new laws coming into effect).

    I beleive it is their last attempt to fight lawsuits and clients leaving their services to attorneys
    and seems like they will stoop to about the lowest level of bashing possible)

    It also seems that some disgruntled salesperson has stolen some leads from these debt settlement companies and resold them to other companies and attorneys as stated in other articles. I don’t believe that the attorneys really knew threy where stolen databases or lists etc… and perhaps where never told that they where stolen, this happens quite often unfortunately, and is certainly not the first case of this happening. usually involving disgruntled ex employee’s.

    However to try to ruin a attorneys reputation in this manner is highly deporable and unconcionable not to mention they should be sued for publishing certain documents, that fall under attorney-client rules. ( see attched below )

    These companies should also be sued for defamation of character. and many other allegations.

    Elements of the Attorney-Client Privilege

    Because the attorney-client privilege often prevents disclosure of information that would be relevant to a legal proceeding, courts are cautious when examining objections grounded in the privilege. Most courts generally require that certain elements be demonstrated before finding that the privilege applies. Although the elements vary from JURISDICTION

    to jurisdiction, one often cited recitation of the elements was articulated in U.S. v. United Shoe Machinery Corp., 89 F.Supp. 357 (D.Mass. 1950), where the court enumerated the following five-part test: (1) the person asserting the privilege must be a client or someone attempting to establish a relationship as a client; (2) the person with whom the client communicated must be an attorney and acting in the capacity as an attorney at the time of the communication;
    (3) the communication must be between the attorney and client exclusively; (4) the communication must be for the purpose of securing a legal opinion, legal services, or assistance in some legal proceeding, and not for the purpose of committing a crime or FRAUD; and (5) the privilege may be claimed or waived by the client only

  • Vincent

    As a reader of these types of articles and beleive me I am neutral in what seems to be a vicious fight between attorneys and a debt settlement companies and their attorneys. In this case I will have to agree with the consumer attorneys in this case. There are several reasons why I state this:

    1.Consumer attoneys (and there are many out there) have been solving consumers problems since consumer laws have been in effect by either settling legally their debts, Finding violations of Federal and State Consumer Laws ( and there are many different cases won against corporations, banks, etc just do a google search for consumer attorneys & case studies…) including most offer Debt Collection Defesnse. So all these allegations of a consumer attorney being fraudulent are totally unfounded. I personally found many major and reputable law firms offering the same services. I cannot see how a client can be misled, unless the attorney has guaranteed results ( which I doubt any attorney would do ). With that being said, What really seems to be ensuing is possibly The law firm of Evan S Kagan was actually

    A. Suing or attempting to sue the FBL Associates group and other debt settlement companies on behalf of clients.

    B. Attempting to recover fee’s paid to these debt settlement companies with legal letters ( Which I am sure that many attorneys are doing now on behalf of their clients). Due to the New Debt Settlement Consumer Protection Act and FTC rules. That basically will put these unscrupulous and deceptive Debt Settlement Companies out of business. In fact one of the new FTC rules are that clients can receive a full refund of their fee’s unless their debt is settled.

    2. Debt settlement companies for the most part are unlicensed, scrupulous, deceptive companies. That just leave debtors in a worse situation ( after signing up for their services)
    leaving many debtors to file bankruptcy after deceiving their clients and telling them not to pay their bills while they rack up more interest, fee’s etc…. Please read more about this on the FTC government site. It seems that in this situation FBL Associates, ESP and all these companies are open to legal suits from attorneys, State Attorney Generals Offices. The FTC and many other regulators for their deporable deceptive trade practices. After visiting the FBL Associates website. It is even more deporable that this company is now offering bankruptcy serivces for clients that where duped by them into debt settlement and now basically reinventing themselves and deceiving clients all over again. ( There are many legal strategies and defenses using Federal and State Consumer Statues that even the largest law firms in the world offer within their legal services.) without filing for bankruptcy. Congress passed bankruptcy laws several years ago, To Discourage people from filing bankruptcy until it is the only option available ( Which only a reputable attorney can determine). It is questionable why attorneys who where listed on the FBL website as affiliate attorneys, are now claiming that they where not affiliates and never did business with them. in fact they should be investigated for false claims, But I am sure they have mastered how to falsify claims.

    After all this said and reveiwed the facts of both of these companies and their respective attorneys. I beleive that there have been many misconcieved notions, and misleading information, and claims. On this matter, after visiting both of their websites and reviewing all theor claims and information.

    I would have to come to the conclusion, that it seems that the real case here is that these debt settlement companies have nothing to lose ( since again most will be out of business due to the new laws coming into effect).

    I beleive it is their last attempt to fight lawsuits and clients leaving their services to attorneys
    and seems like they will stoop to about the lowest level of bashing possible)

    It also seems that some disgruntled salesperson has stolen some leads from these debt settlement companies and resold them to other companies and attorneys as stated in other articles. I don’t believe that the attorneys really knew threy where stolen databases or lists etc… and perhaps where never told that they where stolen, this happens quite often unfortunately, and is certainly not the first case of this happening. usually involving disgruntled ex employee’s.

    However to try to ruin a attorneys reputation in this manner is highly deporable and unconcionable not to mention they should be sued for publishing certain documents, that fall under attorney-client rules. ( see attched below )

    These companies should also be sued for defamation of character. and many other allegations.

    Elements of the Attorney-Client Privilege

    Because the attorney-client privilege often prevents disclosure of information that would be relevant to a legal proceeding, courts are cautious when examining objections grounded in the privilege. Most courts generally require that certain elements be demonstrated before finding that the privilege applies. Although the elements vary from JURISDICTION

    to jurisdiction, one often cited recitation of the elements was articulated in U.S. v. United Shoe Machinery Corp., 89 F.Supp. 357 (D.Mass. 1950), where the court enumerated the following five-part test: (1) the person asserting the privilege must be a client or someone attempting to establish a relationship as a client; (2) the person with whom the client communicated must be an attorney and acting in the capacity as an attorney at the time of the communication;
    (3) the communication must be between the attorney and client exclusively; (4) the communication must be for the purpose of securing a legal opinion, legal services, or assistance in some legal proceeding, and not for the purpose of committing a crime or FRAUD; and (5) the privilege may be claimed or waived by the client only

    • The Truth

      About time someone from the outside looking in has shed some light on this situation. You seem to well educated and have a very good understanding for this industry and the horrible people that have taken advantage of it for all these years.

  • ComplianceSlave

    Hahahahaha

  • SHARON

    I DO NOT SEE WHAT WE ARE SUPPOSE TO BE LOOKING FOR WITH THIS RETAINER AGREEMENT. I WAS A CUSTOMER OF FBL ASSOCIATES FOR OVER A YEAR AND ALL THEY DID WAS TAKE MY MONEY. I ENROLLED WITH THE CONSUMER DEBT LEGAL GROUP, WITH EVAN KAGAN, AND 2 OF MY CREDIT CARDS WERE ELIMINATED AFTER 3 MONTHS AND THEY GOT THE MONEY I PAID TO FBL ASSOCIATES, SO I AM VERY PLEASED WITH THE CONSUMER DEBT LEGAL GROUP. I DEFINITLY WOULD ADVISE ANYONE THAT IS WITH FBL,SAFE TRUST, LIFE GUARD TO JUMP SHIP AND CALL THE CONSUMER DEBT LEGAL GROUP YOU WILL BE PLEASED!

  • SHARON

    I DO NOT SEE WHAT WE ARE SUPPOSE TO BE LOOKING FOR WITH THIS RETAINER AGREEMENT. I WAS A CUSTOMER OF FBL ASSOCIATES FOR OVER A YEAR AND ALL THEY DID WAS TAKE MY MONEY. I ENROLLED WITH THE CONSUMER DEBT LEGAL GROUP, WITH EVAN KAGAN, AND 2 OF MY CREDIT CARDS WERE ELIMINATED AFTER 3 MONTHS AND THEY GOT THE MONEY I PAID TO FBL ASSOCIATES, SO I AM VERY PLEASED WITH THE CONSUMER DEBT LEGAL GROUP. I DEFINITLY WOULD ADVISE ANYONE THAT IS WITH FBL,SAFE TRUST, LIFE GUARD TO JUMP SHIP AND CALL THE CONSUMER DEBT LEGAL GROUP YOU WILL BE PLEASED!

    • http://www.ftc.gov ComplianceSlave

      Hahahahaha

    • R39

      they are a piece of  crap company liers never do anything they say they just take your monies and the after 10 months turn it over to Buttermore and assc who has not done anything either, I for one am going to file complaints with the AG office of both New York and Fl they need to all be put in jail, scum buckets low lifes…

  • Kodasfire

    I was recently contacted by Robert Pierson claiming to be a representative of Evan Kagan. He called me at least three times before I answered the phone. Once I answered the phone, he gave me the speach of how he could eliminate all of my debt and possible get me compensation for any wrong doings by the credit card companies. Sounds to good to be true. I am a scheptic and told him so. He immediately got defensive and basically told me I was a fool to not fight the credit card companies.

    I agree with a comment made in a previous post. I agreed to the terms the minute I used the card and I feel it is my responsibility to take care of the debt myself. I have been screwed by the card companies by having my rates jacked for no reason. I started working with Care One and have had no problems except for the fact that my credit score did drop. They told me it would not. I guess I will dig myself out of this hole by the sweat of my brow. After reading the blogs here and doing some research, I would have a hard time putting any trust into Evan Kagan and his law office.

  • Kodasfire

    I was recently contacted by Robert Pierson claiming to be a representative of Evan Kagan. He called me at least three times before I answered the phone. Once I answered the phone, he gave me the speach of how he could eliminate all of my debt and possible get me compensation for any wrong doings by the credit card companies. Sounds to good to be true. I am a scheptic and told him so. He immediately got defensive and basically told me I was a fool to not fight the credit card companies.

    I agree with a comment made in a previous post. I agreed to the terms the minute I used the card and I feel it is my responsibility to take care of the debt myself. I have been screwed by the card companies by having my rates jacked for no reason. I started working with Care One and have had no problems except for the fact that my credit score did drop. They told me it would not. I guess I will dig myself out of this hole by the sweat of my brow. After reading the blogs here and doing some research, I would have a hard time putting any trust into Evan Kagan and his law office.

    • The Truth

      Yes you do owe the debt but the credit card companies have a responsibility to consumer to service them and their accounts in a compliant fashion. If you have been taken advantage of and from your statement you clearly have been then you should seek legal counsel. Evan Kagan or whatever attorney you feel can specialize in this type of consumer defense.

      Don’t forget who bailed out the banks when they needed it, YOUR tax dollars.

  • softsoul1

    Well said !!!!……..

  • Joe_debt_jr

    softsoul1, you have a valid concern, but you and I know, that the ones hurting the most thru these rulings are the good guys, not the bad ones, the bad ones will either find a way around this and continue operating under the radar or just jump into another easy scheme to manipulate and deceive consumers out of their final pennies. If you turn on the TV and watch the news or even go online the internet, our nation has been poison to the point where even politicians and government officials are corrupted. Watch “American Greed” high profile cases of millionaires and how they swindle thousands of people to make themselves rich. I’ve even seen FBI agents on in the schemes. Bottomline, the world is no longer safe, and can be trusted. Only solution now is to regulate. Just like how when we were younger we push our limits on our parents until they said enough is enough. So everything that is happening now is happening for the better good. Mortgage is dead, Loan Mod is dead, Debt Settlement is now dead, whats next? Ruin all the great tools to help people and earn a decent living is slowly deminishing. Either you go into business for the right cause or leave it alone and if you feel or see that someone next to you is not doing it right, dont be part of it or even associate with that party.

  • softsoul1

    Mr. Rhode, This comment is not towards to you or anyone in general, just a comment. There is alot of writing about what is going on between Evan Kagan and FBL, and yes..by me as well,but this is something i started to write on some time ago and i’m sure that nothing will come to true light for some time. With that being said..Is it really that hard to be in an industry and do the right thing? We all know (or should know) that ANY business associated with debt,for the most part, walks in a gray area..why…i don’t know. And i’m talking about everyone from debt settlement…credit counseling..etc. to the banks themselves ! Here’s what i see…people get themselves in financial situations for all kinds of reasons,some being of no fault of theirs. Lets be honest for moment,we all know that the banks have been able to get away with so much over the years and KNOWINGLY putting people in horrible financial positions that they just cannot see a way out. Every program out there has it’s ups and downs…it’s right and wrongs,it’s all about (or should be) what is right for the individual, times change…income changes. As with all sales, there are always people that are going to sugarcoat things and “tweek” things to sound great…and again….that goes for ALL kinds of debt programs and the banks themselves as well. Personally..i’m all for the new rule…but at the same time….i’m not sure if not being able to charge fee’s until after a settlement is done is going to work. What happens if a client bails out of the program after (lets just say) a large settlement is done….what happens to the fee’s thay now owe ?? In final words……Is it really that hard to just do what you are hired to do…and do it right ? Yes, we are all in this make money, it would be crazy to think otherwise. If you make a buck or two……MAKE SURE YOU EARN IT !

  • Steve Rhode

    I contacted Evan Kagan and he says the statement is not true. See his statement here.

  • Steve Rhode

    Now there is a turn of events I didn’t see coming.

  • Noemail

    FBL Associates, PC Update

    EVAN KAGAN LAW OFFICES RAIDED BY BROWARD COUNTY SHERIFF’S OFFICE

    On October 13, 2010, the Law Offices of Evan Kagan were raided by the Broward County Sheriff’s Office and a division of the Secret Service with warrants and criminal subpoenas. We assume the criminal authorities seized computers and other data. This action is a direct result from the investigation by FBL Associates that was initiated with our investigation survey. FBL Associates has been actively producing evidence and providing that to P&E Solutions and to the Broward County Sheriff’s Office regarding alleged identity theft of customer information from the ESP software system for telemarketing purposes. In addition, FBL Associates will be filing an injunction to further civilly support the alleged allegations against Evan Kagan law offices. FBL Associates has also collected documentation with multiple affidavits that implies alleged telemarketer criminal co-conspiracy. We will be providing that information, as appropriate, to the Broward County Sheriff’s Office.

    It is our expectation to finish completing the data regarding certain telemarketing companies in the next couple days. We do not want to assume a knowledgeable criminal conspiracy. It will be my expectation to reach out to telemarketing companies where suspicious evidence arises and then give them the opportunity to explain the circumstances before any assumptions are made. It is a felony to aid, abet, and assist in any way a third party from stealing a person’s identity from an internet-based software for the purposes of telemarketing that individual for gain. I truly hope that we can address these issues in a way where this matter can be laid to rest.

    FBL Associates will be taking any steps necessary to protect consumers. Be on notice, this is not the only alleged criminal activity that we are currently following up on. We are in the process of communicating with other state legal authorities.

    For telemarketing companies who feel that they have acted ethically, we expect your cooperation. If some anomalies are present, the telemarketing companies will be given the opportunity to take corrective action.

    KINDLY NOTE FBL ASSOCIATES HAS A NEW PHONE NUMBER WHICH IS 1-866-277-7259.

    IN ADDITION, WE HAVE ESTABLISHED AN ANONYMOUS TIP LINE WHICH IS 215-543-5734.

  • Noemail

    FBL Associates, PC Update

    EVAN KAGAN LAW OFFICES RAIDED BY BROWARD COUNTY SHERIFF’S OFFICE

    On October 13, 2010, the Law Offices of Evan Kagan were raided by the Broward County Sheriff’s Office and a division of the Secret Service with warrants and criminal subpoenas. We assume the criminal authorities seized computers and other data. This action is a direct result from the investigation by FBL Associates that was initiated with our investigation survey. FBL Associates has been actively producing evidence and providing that to P&E Solutions and to the Broward County Sheriff’s Office regarding alleged identity theft of customer information from the ESP software system for telemarketing purposes. In addition, FBL Associates will be filing an injunction to further civilly support the alleged allegations against Evan Kagan law offices. FBL Associates has also collected documentation with multiple affidavits that implies alleged telemarketer criminal co-conspiracy. We will be providing that information, as appropriate, to the Broward County Sheriff’s Office.

    It is our expectation to finish completing the data regarding certain telemarketing companies in the next couple days. We do not want to assume a knowledgeable criminal conspiracy. It will be my expectation to reach out to telemarketing companies where suspicious evidence arises and then give them the opportunity to explain the circumstances before any assumptions are made. It is a felony to aid, abet, and assist in any way a third party from stealing a person’s identity from an internet-based software for the purposes of telemarketing that individual for gain. I truly hope that we can address these issues in a way where this matter can be laid to rest.

    FBL Associates will be taking any steps necessary to protect consumers. Be on notice, this is not the only alleged criminal activity that we are currently following up on. We are in the process of communicating with other state legal authorities.

    For telemarketing companies who feel that they have acted ethically, we expect your cooperation. If some anomalies are present, the telemarketing companies will be given the opportunity to take corrective action.

    KINDLY NOTE FBL ASSOCIATES HAS A NEW PHONE NUMBER WHICH IS 1-866-277-7259.

    IN ADDITION, WE HAVE ESTABLISHED AN ANONYMOUS TIP LINE WHICH IS 215-543-5734.

    • http://GetOutOfDebt.org Steve Rhode

      Now there is a turn of events I didn’t see coming.

    • http://GetOutOfDebt.org Steve Rhode

      I contacted Evan Kagan and he says the statement is not true. See his statement here.

      • softsoul1

        Mr. Rhode, This comment is not towards to you or anyone in general, just a comment. There is alot of writing about what is going on between Evan Kagan and FBL, and yes..by me as well,but this is something i started to write on some time ago and i’m sure that nothing will come to true light for some time. With that being said..Is it really that hard to be in an industry and do the right thing? We all know (or should know) that ANY business associated with debt,for the most part, walks in a gray area..why…i don’t know. And i’m talking about everyone from debt settlement…credit counseling..etc. to the banks themselves ! Here’s what i see…people get themselves in financial situations for all kinds of reasons,some being of no fault of theirs. Lets be honest for moment,we all know that the banks have been able to get away with so much over the years and KNOWINGLY putting people in horrible financial positions that they just cannot see a way out. Every program out there has it’s ups and downs…it’s right and wrongs,it’s all about (or should be) what is right for the individual, times change…income changes. As with all sales, there are always people that are going to sugarcoat things and “tweek” things to sound great…and again….that goes for ALL kinds of debt programs and the banks themselves as well. Personally..i’m all for the new rule…but at the same time….i’m not sure if not being able to charge fee’s until after a settlement is done is going to work. What happens if a client bails out of the program after (lets just say) a large settlement is done….what happens to the fee’s thay now owe ?? In final words……Is it really that hard to just do what you are hired to do…and do it right ? Yes, we are all in this make money, it would be crazy to think otherwise. If you make a buck or two……MAKE SURE YOU EARN IT !

      • Anonymous

        softsoul1, you have a valid concern, but you and I know, that the ones hurting the most thru these rulings are the good guys, not the bad ones, the bad ones will either find a way around this and continue operating under the radar or just jump into another easy scheme to manipulate and deceive consumers out of their final pennies. If you turn on the TV and watch the news or even go online the internet, our nation has been poison to the point where even politicians and government officials are corrupted. Watch “American Greed” high profile cases of millionaires and how they swindle thousands of people to make themselves rich. I’ve even seen FBI agents on in the schemes. Bottomline, the world is no longer safe, and can be trusted. Only solution now is to regulate. Just like how when we were younger we push our limits on our parents until they said enough is enough. So everything that is happening now is happening for the better good. Mortgage is dead, Loan Mod is dead, Debt Settlement is now dead, whats next? Ruin all the great tools to help people and earn a decent living is slowly deminishing. Either you go into business for the right cause or leave it alone and if you feel or see that someone next to you is not doing it right, dont be part of it or even associate with that party.

      • softsoul1

        Well said !!!!……..

  • softsoul1

    I just heard about that also, can you give me a website to verify ?? !!!!!!!!!!

  • Jamilynee

    HE IS THE SCAMMER!!! CHECK RECENT ARREST RECORDS OF BROWARD COUNTY

  • softsoul1

    Tom, Perhaps there are people here that work for settlement companies, there has not been any kind of real trashing that i can see, just people that are looking for answers to legitimate questions. As far as the BBB, personally i feel they are just as crooked as the banks themselves…take Bank of America for example..here is a bank that flat out misused the “bailout” monies given to them..and turned around and received more for the Merrill Lynch deal which has now included charges of fraud, yet…the have an A+…c’mon, really ? So again, there are just a couple of us here that are just looking for a few answers.

  • Tom

    Fluff316, it is amazing how unbiased you sound. You couldn’t possibly be a principal or employee of a debt settlement company, or perhaps one from the exact tyoe of tieshare scam companies that Evan Kagan has several lawsuits against right now in Palm Beach County. It is public record, go to the courthouse and check. While Mr. Kagan is suing the scammers they come on this site to trash him and Steve gives you a forum to defame an honest attorney. A simple check of the BBB shows Law Office of Evan S Kagan has an “A” rating with no complaints, so you already have zero credibility. Furthermore, a simple check of sunbiz.org will show he has never owned , nor been involved with a debt settlement company.

    It is obvious that the posters on this site are not legitimate consumers but rather the very people that consumers should be protected from. Steve is you have any interest in genuine education than you will eliminate anonymous postings.

  • Tom

    Fluff316, it is amazing how unbiased you sound. You couldn’t possibly be a principal or employee of a debt settlement company, or perhaps one from the exact tyoe of tieshare scam companies that Evan Kagan has several lawsuits against right now in Palm Beach County. It is public record, go to the courthouse and check. While Mr. Kagan is suing the scammers they come on this site to trash him and Steve gives you a forum to defame an honest attorney. A simple check of the BBB shows Law Office of Evan S Kagan has an “A” rating with no complaints, so you already have zero credibility. Furthermore, a simple check of sunbiz.org will show he has never owned , nor been involved with a debt settlement company.

    It is obvious that the posters on this site are not legitimate consumers but rather the very people that consumers should be protected from. Steve is you have any interest in genuine education than you will eliminate anonymous postings.

    • softsoul1

      Tom, Perhaps there are people here that work for settlement companies, there has not been any kind of real trashing that i can see, just people that are looking for answers to legitimate questions. As far as the BBB, personally i feel they are just as crooked as the banks themselves…take Bank of America for example..here is a bank that flat out misused the “bailout” monies given to them..and turned around and received more for the Merrill Lynch deal which has now included charges of fraud, yet…the have an A+…c’mon, really ? So again, there are just a couple of us here that are just looking for a few answers.

    • Jamilynee

      HE IS THE SCAMMER!!! CHECK RECENT ARREST RECORDS OF BROWARD COUNTY

      • softsoul1

        I just heard about that also, can you give me a website to verify ?? !!!!!!!!!!

    • http://www.facebook.com/profile.php?id=1508885357 William R. James

      I for one have recorded these crooks violating several laws.  Kagan and his pack of criminals are sleazy crooks and nothing more. And you can tell them I am saying so here and elsewhere online. My name is William James and if those crooks just respected the do-not-call list and or didn’t harass me up to nine time s a day for a long time after I’ve told them repeated never to call me again, then I wouldn’t be talking about them.  They are liars, they are thieves, they are criminals, and anyone trusting them is a fool. 

  • softsoul1

    VERY good points Fluff316, I believe your right on counts but i would love to hear Izele’s take on this ! Although i have been checking to see a response to this, i’m still waiting…and waiting…….and waiting, Can someone…..anyone from the offices of Evan Kagan respond !!??

  • Fluff316

    Izele, how can you say the Evan Kagan is a good idea? Isn’t he the same Evan Kagan that was involved in a time-share scam and had 16 BBB complaints on his operation within 3 months of being in business? Is this the same Evan Kagan that has had multiple failed business adventures? Isn’t this the same Evan Kagan that actually RAN a settlement company until the laws changed and the government made it so he couldn’t scam people out of their money but he found a loophole so he still can scam people? It IS the same Evan Kagan.

  • softsoul1

    Who and what kind of company is beside the point, i am not here to “bash” anybody or any business, i would just love to have the right information. As far as providing results…would it not help you to prove your point (not that you have to though), what kind of a “true source” would i have to be, would it not be public information ??? Who…or…what kind of service refers potential clients to you?? Does your offices use a company named Consumer Debt Legal Group based in South Florida ?? How exactly does one prove a breach in contract with a creditor? And…..how would your marketing people ALREADY know if they have their monies going to a particular payment servicing center? Again….i’m just trying to find out the truth…..i could just be wrong.

  • Izele

    Here is the link for the interview with Steve Rhode and Evan Kagan, should answer your questions.

    http://getoutofdebt.org/21546/

  • Izele

    Any one can hire an attorney to represent them in any way. A right candidate is someone that feels they have been a victim of predatory lending or an unlicensed debt settlement company. Banks do have to follow the law even if you are behind in your payments or not collecting at all. If they do not follow the law there are penalties in place. When you retain and attorney you will have defense for your rights. We do not practice debt settlement, our clients retain an attorney for these such reasons.

  • Izele

    This is correct a lawyer can NOT guarantee results and no one from our law firm has ever made such a guarantee. I will gladly provide results to any true source or potential client as we do on a daily basis. As far as leads I’m not sure what you are referring too. We do not market and any and all of our clients have been referred by a service or client.

    We have heard many rumors from certain companies about their database being compromised and we are very well aware of those that are making these accusations on our firm. This post has made it clear it is coming directly from a settlement company. We do not have to bash someone to obtain clients.

    I’m simply an employee here but I worked in the debt settlement industry and know exactly what was going on. Just return the money for the services that you were not able to provide and keep what you actually earned.

    Does any see something wrong with that???

  • Joe_debt_jr

    Izele, what would be the right candidate to fit for your program than? Please allow us your explanation for a better understanding. BTW, do you offer debt settlement if someone needs it or just fighting the validity of the debt a client has accrued?

  • softsoul1

    As with all kinds of companies there are good and bad. Again, i ask….concerning a certain “marketing” company for Mr. Evan Kagan, Where did the “LEADS” come from ? Why is it that when potential clients are contacted the sales rep already has 99% of the information…PERSONAL information…which includes.but not limited to…S.S. #….EXACTLY who the creditors are and the EXACT amount owed ? And not that i’m going to try to play attorney but…when a person uses the card on day 1…does that not mean that they agree to the terms ? I FULLY agree that the C.C. industry has been way out of line in the past years and it was about time that congress got involved (but for most people it was too late). I would love to see some actual court records of Mr. Kagans success stories.

  • Guest

    Lawyers cannot guarantee results well the ethical ones cannot.

  • Guest

    Lawyers cannot guarantee results well the ethical ones cannot.

    • Izele

      This is correct a lawyer can NOT guarantee results and no one from our law firm has ever made such a guarantee. I will gladly provide results to any true source or potential client as we do on a daily basis. As far as leads I’m not sure what you are referring too. We do not market and any and all of our clients have been referred by a service or client.

      We have heard many rumors from certain companies about their database being compromised and we are very well aware of those that are making these accusations on our firm. This post has made it clear it is coming directly from a settlement company. We do not have to bash someone to obtain clients.

      I’m simply an employee here but I worked in the debt settlement industry and know exactly what was going on. Just return the money for the services that you were not able to provide and keep what you actually earned.

      Does any see something wrong with that???

      • softsoul1

        Who and what kind of company is beside the point, i am not here to “bash” anybody or any business, i would just love to have the right information. As far as providing results…would it not help you to prove your point (not that you have to though), what kind of a “true source” would i have to be, would it not be public information ??? Who…or…what kind of service refers potential clients to you?? Does your offices use a company named Consumer Debt Legal Group based in South Florida ?? How exactly does one prove a breach in contract with a creditor? And…..how would your marketing people ALREADY know if they have their monies going to a particular payment servicing center? Again….i’m just trying to find out the truth…..i could just be wrong.

      • Fluff316

        Izele, how can you say the Evan Kagan is a good idea? Isn’t he the same Evan Kagan that was involved in a time-share scam and had 16 BBB complaints on his operation within 3 months of being in business? Is this the same Evan Kagan that has had multiple failed business adventures? Isn’t this the same Evan Kagan that actually RAN a settlement company until the laws changed and the government made it so he couldn’t scam people out of their money but he found a loophole so he still can scam people? It IS the same Evan Kagan.

      • softsoul1

        VERY good points Fluff316, I believe your right on counts but i would love to hear Izele’s take on this ! Although i have been checking to see a response to this, i’m still waiting…and waiting…….and waiting, Can someone…..anyone from the offices of Evan Kagan respond !!??

      • Taburrows

        From what i understand from a friend who is doing this(she still owes them $1000) she said they all got fired and only a few have transferred to the “buyout” company “Buttermore & Associates” Should my friend stop paying the last 2 $500 and get a lawyer to sue Mr. Kagan? Out of 6 collecters she has paid 4 on her own.

      • http://GetOutOfDebt.org Steve Rhode

        Your friend should get some clarification about what transferring means. Does it mean they will provide the remainder of the services at no additional charge? And if your friend paid money for services they never received, that seems like a reasonable time to request a refund. See How to Try to Get a Refund From a Debt Relief Company.

      • upset+frustrated

        I just went thru the same situation!! Very upset, frustrated~ used his so-called services for my home modification defense. These cases which were handled by supposed “paralegals”.  No one would even return copies to me with a “signed signature of any attorney nevertheless Kagan’s signature on anything!  had to deal with 1 year of payments of $500 = $7,500 paid in full for 1 mediocre $300 modification which they would never return my calls and the case handlers were always quitting or fired after every 3 mos! Also received letter that Law Offices of Evan Kagan were closed and he sold his practice to Sunshine Legal Group?? Yes,  they will charge for the continuation of your file, even though, the letter claims if you ‘re paid off Law Offices of Evan Kagan, they will not be an additional charge…..

        As for my credit card defense (Consumer Debt Legal Group) another $5k and nothing has or cleared on my credit report! All i got were paper shuffling defense! So now he sells his practice to Buttermore & Associates and YES they will continue to charge payments….. At this point, I’m in process of doing a short-sell as well as bankruptcy for my credit card debt I did not get resolved on! I feel so cheated and don;t know what else to do or turn to! 

  • Izele

    I think its funny how the people that have been ripping off consumers with these “DEBT SETTLEMENT” for years are still trying to hang on to it. Get over it, you had a good run now its time to get a real job and stop scamming people. I work for Evan Kagan and the retainer you have posted has nothing to do with Debt. It is for a client with a completely different issue, another scam that Evan helps consumers with and he did recover that persons money. Stop trying so hard to make others look bad, just do good business and you might succeed and wont have to waste your time blogging lies.

    Look at the facts, most of these companies have thousands of clients with very minimal staff.
    Debt settlement companies payout 60%-90% to front end “MARKETING” companies which leaves very little revenue to acutally do the work. Most sales reps are unlicensed and have no clue what they are talking about nor do they explain the real dangers and consequences with Debt settlement. Most “arbitrators” were non licensed, minimum wage employees with no experience yet they were negotiating with law-firms when the clients were sued. Shall I continue???

    Not all Debt Settlement companies are acting maliciously but they arent online making up stories to cover themselves.

    When was the last time congress got involved in an entire industry because of fraudulent and deceptive practices, think about it folks. Don’t be fooled, you need an attorney to handle a legal situation.

  • Izele

    I think its funny how the people that have been ripping off consumers with these “DEBT SETTLEMENT” for years are still trying to hang on to it. Get over it, you had a good run now its time to get a real job and stop scamming people. I work for Evan Kagan and the retainer you have posted has nothing to do with Debt. It is for a client with a completely different issue, another scam that Evan helps consumers with and he did recover that persons money. Stop trying so hard to make others look bad, just do good business and you might succeed and wont have to waste your time blogging lies.

    Look at the facts, most of these companies have thousands of clients with very minimal staff.
    Debt settlement companies payout 60%-90% to front end “MARKETING” companies which leaves very little revenue to acutally do the work. Most sales reps are unlicensed and have no clue what they are talking about nor do they explain the real dangers and consequences with Debt settlement. Most “arbitrators” were non licensed, minimum wage employees with no experience yet they were negotiating with law-firms when the clients were sued. Shall I continue???

    Not all Debt Settlement companies are acting maliciously but they arent online making up stories to cover themselves.

    When was the last time congress got involved in an entire industry because of fraudulent and deceptive practices, think about it folks. Don’t be fooled, you need an attorney to handle a legal situation.

    • softsoul1

      As with all kinds of companies there are good and bad. Again, i ask….concerning a certain “marketing” company for Mr. Evan Kagan, Where did the “LEADS” come from ? Why is it that when potential clients are contacted the sales rep already has 99% of the information…PERSONAL information…which includes.but not limited to…S.S. #….EXACTLY who the creditors are and the EXACT amount owed ? And not that i’m going to try to play attorney but…when a person uses the card on day 1…does that not mean that they agree to the terms ? I FULLY agree that the C.C. industry has been way out of line in the past years and it was about time that congress got involved (but for most people it was too late). I would love to see some actual court records of Mr. Kagans success stories.

    • Anonymous

      Izele, what would be the right candidate to fit for your program than? Please allow us your explanation for a better understanding. BTW, do you offer debt settlement if someone needs it or just fighting the validity of the debt a client has accrued?

      • Izele

        Any one can hire an attorney to represent them in any way. A right candidate is someone that feels they have been a victim of predatory lending or an unlicensed debt settlement company. Banks do have to follow the law even if you are behind in your payments or not collecting at all. If they do not follow the law there are penalties in place. When you retain and attorney you will have defense for your rights. We do not practice debt settlement, our clients retain an attorney for these such reasons.

    • Randy joyce

      Kagan is been tacking 500.00 a month and i cant get in touch with them, can you help—rjoyce

  • Steve Rhode

    If you are unemployed you should evaluate if even a credit counseling approach is reasonable. Without a continued expectation of income for the next four years a credit counseling program may simply not work for you. If you have not done so already I urge you to find and meet with a local bankruptcy attorney to understand what bankruptcy would mean for you. Bankruptcy would legally stop the calls quickly, probably eliminate your debt in months and give you the needed fresh start you probably need.

  • Jamn2dblues

    Sounds like CARE ONE, I joined them for help while i am unemployed and i am getting phone calls left and right and nothing has been done on their end…….. really getting frustrated being i was told to go to care one uner their cccs program………….

  • Jamn2dblues

    Sounds like CARE ONE, I joined them for help while i am unemployed and i am getting phone calls left and right and nothing has been done on their end…….. really getting frustrated being i was told to go to care one uner their cccs program………….

    • http://GetOutOfDebt.org Steve Rhode

      If you are unemployed you should evaluate if even a credit counseling approach is reasonable. Without a continued expectation of income for the next four years a credit counseling program may simply not work for you. If you have not done so already I urge you to find and meet with a local bankruptcy attorney to understand what bankruptcy would mean for you. Bankruptcy would legally stop the calls quickly, probably eliminate your debt in months and give you the needed fresh start you probably need.

  • Joe_debt_jr

    I like mines with lots of butter. I don’t get it, so what is this law firm trying to do, find violations and wrong doings for offering a consumer credit? Why are there so many attorneys out there now willing to throw away their reputation to be involve in these schemes knowing the odds of winning is very slim. How is this supposed to help consumer get rid of their debt by telling them, “Don’t worry about racking up them credit cards, we the firm strongly believe the credit card companies are evil by issuing you a card.” “Yes we understand credit card is like drugs, very addictive so we are going to find them at fault for issuing you credit and making it so tempting for you to use so this way you can pay some of your bills.” “Give us $9000 and we’ll fight for you!” Also on the contract, I like how they BOLD THERE IS NO CHARGE TO CLIENT FOR THE SERVICE OF RENEGOTIATING, SETTLING, OR IN ANY OTHER WAY ALTERING THE TERMS OF ANY DEBT BETWEEN THE CLENT AND ANY UNSECURED CREDITOR OR DEBT COLLECTOR, INCLUDING A REDUCTION IN THE BALANCE, INTEREST RATE OR FEES OWED. THIS SERVICE IS PROVIDED FREE OF CHARGE AND INCIDENTAL TO SERVICES ABOVE. I have an example: I know its illegal to sell drugs so if I do sell you my CD and you find drugs in there, dont worry its free of charge you can keep all i wanted was $9000 for my CD.

  • Damon Day

    I love how new laws to protect consumers really bring out the creative spirit in people who like the status quo. I would like to sell you a lollipop for 9,000. If you purchase this magic lollipop, I will settle your debt for you. Keep in mind there is no charge for the debt settlement. That is just a free benefit if you buy a lollipop from me for the low price of 9,000. So the TSR does not apply to people who sell Lollipops and we don’t charge anything to settle debt. Voila, we are fully compliant. Ok, I have dibs on a front row seat to let them run with this and see how it goes. Who wants popcorn?

  • http://DamonDay.com Damon Day

    I love how new laws to protect consumers really bring out the creative spirit in people who like the status quo. I would like to sell you a lollipop for 9,000. If you purchase this magic lollipop, I will settle your debt for you. Keep in mind there is no charge for the debt settlement. That is just a free benefit if you buy a lollipop from me for the low price of 9,000. So the TSR does not apply to people who sell Lollipops and we don’t charge anything to settle debt. Voila, we are fully compliant. Ok, I have dibs on a front row seat to let them run with this and see how it goes. Who wants popcorn?

    • Anonymous

      I like mines with lots of butter. I don’t get it, so what is this law firm trying to do, find violations and wrong doings for offering a consumer credit? Why are there so many attorneys out there now willing to throw away their reputation to be involve in these schemes knowing the odds of winning is very slim. How is this supposed to help consumer get rid of their debt by telling them, “Don’t worry about racking up them credit cards, we the firm strongly believe the credit card companies are evil by issuing you a card.” “Yes we understand credit card is like drugs, very addictive so we are going to find them at fault for issuing you credit and making it so tempting for you to use so this way you can pay some of your bills.” “Give us $9000 and we’ll fight for you!” Also on the contract, I like how they BOLD THERE IS NO CHARGE TO CLIENT FOR THE SERVICE OF RENEGOTIATING, SETTLING, OR IN ANY OTHER WAY ALTERING THE TERMS OF ANY DEBT BETWEEN THE CLENT AND ANY UNSECURED CREDITOR OR DEBT COLLECTOR, INCLUDING A REDUCTION IN THE BALANCE, INTEREST RATE OR FEES OWED. THIS SERVICE IS PROVIDED FREE OF CHARGE AND INCIDENTAL TO SERVICES ABOVE. I have an example: I know its illegal to sell drugs so if I do sell you my CD and you find drugs in there, dont worry its free of charge you can keep all i wanted was $9000 for my CD.

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