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Legal Helpers Debt Resolution Mailer

An awesome tipster (send in your tips here) just sent me a copy of the following letter received by a consumer that was being solicited for debt settlement services.

What would be intriguing to find out is how they received the consumer name and mailing address. On this previous post a commenter said according to Florida Bar rules “Lawfirms and attorneys are NOT approved to buy pre-screened credit data from the 3 reporting agencies…”

What makes me believe the addresses may have been purchased from a credit bureau is the tipster (send in your tips here) actually is with a company that had changed the consumer’s address with the original creditor so only the creditor, and anyone they report information to, like a credit bureau would have had the address for the mailer.

Legal Helpers Debt Resolution Mailer

The commenter directed readers to Florida RULE 4-7.4 DIRECT CONTACT WITH PROSPECTIVE CLIENTS which says:

Any written communication prompted by a specific occurrence involving or affecting the intended recipient of the communication or a family member shall disclose how the lawyer obtained the information prompting the communication. The disclosure required by this rule shall be specific enough to help the recipient understand the extent of the lawyer’s knowledge regarding the recipient’s particular situation.

I’d love to hear what your impression is of this letter. Post your feedback in the comments section below.

Legal Helpers Debt Resolution Mailer
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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.
  • Steve Rhode

    Legal Helpers Debt Resolution has just been sued by the Attorney General of Illinois. You can read the suit here.

  • http://GetOutOfDebt.org Steve Rhode

    Legal Helpers Debt Resolution has just been sued by the Attorney General of Illinois. You can read the suit here.

  • Debt Whistleblower

    Keep us posted with what happens with Legal Helpers. They smell like a bad fish from where I’m sitting.

    A quick search of them online popped up about a dozen different websites (with name variations). I’ve never seen a reputable firm do this.

  • http://www.EliminateCreditDebt.com Debt Whistleblower

    Keep us posted with what happens with Legal Helpers. They smell like a bad fish from where I’m sitting.

    A quick search of them online popped up about a dozen different websites (with name variations). I’ve never seen a reputable firm do this.

  • Joe_debt_jr

    I think Birdwatcher flew away.

  • ComplianceSlave

    Pretty sure LDHR contracted w/ Totalbankruptcy. That is not a compliant model & why they wont publish the lawyer info- Most states follow ABA Model Rules of Conduct, must list attys on website- Im sure they”dont have to” as these attorneys are contract or referral & and a reciprocal arrangement is made between firms so LDHR gets the client- NOT the so called state atty

  • Observer

    Good stuff Joe.

    Birdie, I have a few observations as well.

    You state “I see how perfomance based companies would look good , but the client will still be sued and will most likey file for bankruptcy”

    The settlement industry has long down played the risk of being sued. You now appear to suggest lawsuits are imminent in debt settlement. If the client is sued and will then most likely file bankruptcy, why are you enrolling them in debt settlement? Just because a person has an attorney of their own in a credit card suit does not mean they win the case, especially when brought by the original creditor. Judgments still mean the same thing to the consumer regardless.

    You state “would you rather be with a law firm that provides you full legal representation if a creditor were to sue you or a random performance based company that is still not disclosing all negatives”

    Companies engaged in telemarketing are required to comply with the new telemarketing sales rules. They should also be in compliance of title 5 of the FTC Act. This would mean that all negatives are disclosed. This statement is an empty attempt to promote attorney sponsored services that you are engaged in.

    You state “you can still have your crediotrs garnish, lien, or sue you”

    So true. Joe provided a mathematical example in his post that compares a no advance fee company with what he knows LHDR fees to be. The consumer in the no advance fee program is far better positioned to be successful in settling the debt and avoiding a law suit all together and is certainly armed with the ammunition (available funds) needed to shoot down the lawsuit at inception were one to occur.

    You also state “your lawsuit chance is still present with performance based, if not greater”

    This sir, if I may be so blunt, is a crock of shit. It is in my opinion a lame attempt to sell that which you are associated with. I could make a credible argument that consumers are put at greater risk when engaging an “attorney model” debt settlement process.

    Further you state “What opition would you chose? A law firm with your local attorney down the street, who is well versed in your state laws or the random debt settlement company”

    Personally, I would choose the local attorney down the street when considering the context and sentence structure you used. However, from the information available, that is not what LHDR represents. Your question is a pretty good sales tool to use with the average consumer stressed about their debt though. Good one Birdie….

    Lets continue. You state “Crediotrs know these perfomance based companies will most likely be out of business within 6 months to a year, that is why they are still telling client not to work with settlement companies”

    Here again, you have provided more for the crock. There are performance based companies who have been in operation for years. They will only thrive. Also, creditors tell consumers to avoid working with ANY debt settlement company and do so indiscriminate of whether it is charging advance fees or not, or whether it is “attorney model” or not.

    Here is the best and second to last. You state “The creditors already know legal helpers since we have been providing legal financial debt assitance for 15 years”

    The implication of this statement when taken in the context you gave is that creditors know LHDR and work with them. Birdie, were that true, to any extent, why the hell does the consumer need an attorney to represent them when they are sued? You as much have assured a reader of your comment that it’s going to happen. Why? LHDR and the creditors know each other. Why sue the consumer working with LHDR? You contradict yourself.

    Finally, “this is simply the truth”

    The truth as Birdie sees it. In my opinion, Birdie needs glasses.

  • Joe_debt_jr

    corrections-”$750 instead of $1950″ is $750 instead of $1750

  • Joe_debt_jr

    Birdwatcher, thanks for coming on here and sharing your thoughts. I have a question, are you an attorney of LHDR or an affiliate branch? I think a lot of the discussion made here isn’t meant put LHDR down but to point out how they are still not fully compliant with the new FTC-TSR ruling and I am sure Steve has pointed out a lot of the concerning areas. You also just responded earlier stating that you feel “people love to attack the best, nobody attacks the mediocre” so to remind you if you just follow thru a lot of what has been written on this site you will find, that Steve writes about anyone or companies, big or small, just happens that more people seem to respond with comments when LHDR subject is brought up. You also mentioned that these other debt settlement companies that are currently using performance model will fail because they do not provide legal representation in case of lawsuits so are you saying that majority of the clients that you’ve retain are facing lawsuits now? You also mentioned you do not collect fees upfront, we can understand that if you are just LHDR and not the affiliate branch who will charge fees upfront or offer a financial coaching package for $700 per enrollment into the LHDR debt resolution plan, plus a monthly fee for the continuation of coaching so back to the compliance issue, wouldn’t you be a bit concern that your affiliates are selling a product that is connected with a debt relief service? How is that performance model debt settlement, where some of these folks offer don’t even charge any setup fee or monthly fee has the same risk as you are stating with your current model which sounds like an old model except naming your set up retainer fee to be financial coaching fee? I have asked this in the past and I’ll ask it again, if you, yourself are involved in a debt settlement program, and you are paying $1000 month, what model would you put yourself into, performance model where there is no setup cost, monthly cost, just strictly savings or choose an attorney model, where you have to pay $700 upfront for a coaching a package plus $50 a monthly subscription and on top of that half of your program term your retainer fee is taken out of those monthly payments? What model will save up faster so you can get a settlement that much quicker? Let’s run a simulation: 1 creditor only for $5000. Both model 15% Fees for enrolled debt = $750. Minimum savings required to start settling 45%=$2250. Monthly payment spread out for just 6 months $500 so let’s see which model saves and settles a clients’ debt quicker. 1. LHDR model requires a start up cost $700(for financial coaching) plus $50 monthly subscription. Since its 6 months plan that means the 15%fee is spread out evenly for 6 months= $125 now add $50(subscription)total fees taken out of the $500 payment for 6 months, equals net savings into Trust Account= $1950(but we need at least $2250 minimum). So total out of your pocket once reached 6 months of payments plus setup =$1750 in fees. 2. Performance model, NO SETUP FEE, NO MONTHLY FEEs. 6 months of $500 payment to save up =$3000 into Trust Account, money out of pocket=$ZERO. Settlement offer after 6 months lands at 40% instead of 45%, 5% of funds remains in Trust Account for next creditor and total fees paid is $750 instead of $1950 and this is just a 6 month scenario. Honestly which plan is better or makes better sense to you?

  • Steve Rhode

    Frankly I’m shocked you claim to have six NC attorneys but don’t want to name them. That certainly does not bread trust or confidence. In fact consumers have no way to validate that claim and it is contrary to the claim made on the lhdr site. The lhdr site says 57, you say 350+, I say you are either lying or being untruthful. The lhdr site names them and you won’t.

    So let’s talk about those imaginary unnamed masked NC attorneys for a moment. If you are unwilling to name them, as you should, answer the following questions about them then.

    Do they have their own independent North Carolina law firms?

    Do the individual NC attorneys have an attorney-client relationship with all the LHDR NC clients or only the ones they meet?

    Do the individual attorneys place the client funds into the individual attorney trust account or are these self-saver clients?

    Do the individual NC attorneys meet with, talk with, or have any other contact with any of LHDR’s North Carolina customers, except on a very occasional basis?

    Do they negotiate directly with with third party creditors on behalf of the LHDR customer?

    Are they otherwise involved with the operation of LHDR’s debt settlement program?

    Are the NC attorneys employed full-time by LHDR?

  • Birdwatcher

    We currently have 6 attorneys in North Carolina, I’m not authorzed to release names or addresses, plus everyone seems to be on a witch hunt for Legal Helpers. The real story of it is, we are the first and only company to actually be with a client in court if a crediotr were to sue, we do not take fees up front, the first month a client has money being saved in their special purpose account. I see how perfomance based companies would look good , but the client will still be sued and will most likey file for bankruptcy. So I ask you this question would you rather be with a law firm that provides you full legal representation if a creditor were to sue you or a random performance based company that is still not disclosing all negatives, you can still have your crediotrs garnish, lien, or sue you. (your lawsuit chance is still present with performance based, if not greater). What opition would you chose? A law firm with your local attorney down the street, who is well versed in your state laws or the random debt settlement company in in Irvine? Crediotrs know these perfomance based companies will most likely be out of business within 6 months to a year, that is why they are still telling client not to work with settlement companies. The creditors already know legal helpers since we have been providing legal financial debt assitance for 15 years. Remember people love to attack the best, nobody attacks the mediocre. This is not a sales pitch or even an attempt to sell ourselves, this is simply the truth.

  • Steve Rhode

    The LDHRHELP.com site only lists 57 state attorney partners. – Source. Are the other 300 attorneys you are referring to partners but just not listed?

    For example, can you please post the list of attorneys that are part of your network in North Carolina so I can compare that against your site which lists only Grant Patten.

  • Birdwatcher

    All clients are meetings are done in our 350+ Attorney’s offices. We currently have 350 plus Attorney’s in our Legal Helpers netowork. WE DO NOT USE RUNNERS OR MEET AT STARBUCKS. Everything is working out quite well, clients actually like the fact they are able to meet with an Attoney in their area. In this day and age it’s to know youcan still shake hands with people you are doing business with, especially your finances. We have had clients sometimes drive up to 3 hours from their home if they live in a rural area to meet with an Attorney, at the Attorney’s office. The meeting is about an hour + long, the attorney goes over all the docments, hardship, monthly budget, also all negatives, if they are not able to afford the payment, we will recommend bankruptcy. If for some reason we feel the client is trying to pull a fast one and not pay their crediotrs back, we will not enroll them in the program. After all if a clients gets sued, we will be with them in a court of law, to help work out an agreement. The client is paying for full legal representation against the creditors. I, hope this clears some thing up, but knowing Mr. Rhode, it will just bring more questions.

  • Gettingitdone

    How does the Attorney Model even come close to complying .. when the first thing they do is engage in a telephone conversation to sell the product..(or has hired a LEAD COMPANY TO SELL THE PRODUCT) then they use a signature on line… and send the consumer to a local affiliate firm to hand over the LAWYERS RETAINER FEE…. I cannot wait for these type of companies to go away and let the REAL COMPLIANT COMPANIES DO WHAT THEY DO BEST.

  • Gettingitdone

    How does the Attorney Model even come close to complying .. when the first thing they do is engage in a telephone conversation to sell the product..(or has hired a LEAD COMPANY TO SELL THE PRODUCT) then they use a signature on line… and send the consumer to a local affiliate firm to hand over the LAWYERS RETAINER FEE…. I cannot wait for these type of companies to go away and let the REAL COMPLIANT COMPANIES DO WHAT THEY DO BEST.

  • \M/

    http://www.usps.com/ncsc/addre
    Appears to me to be a service reported to by the USPS when addresses are changed with them & they report back to USPS.

  • Steve Rhode

    I have not. But the reason the strategy seems flawed to me is that there is no way to follow the TSR strictly and conduct the face-to-face exemption using a runner. The problem area is the part about the sales presentation not being performed till the face-to-face meeting and to demonstrate to regulators that a consumer has a bona fide attorney-client relationship with an attorney in their state.

    Keep watching, major enforcement actions are in the works and coming.

    Steve

  • Steve Rhode

    Sure, that is always a possible explanation but the last ten or so similar mailings from others I have seen have said they came of credit bureau mailing lists so logically this would be a more likely explanation. See this mailing I published as an example.

  • Notregularemail

    WEAK MINDED CONSPIRACY THEORY-
    The address changes that go to the credit reporting companies also get reported to the National Change Of Address File (NCOA). If you are sending large mailings and using a mail shop then they are simply complying with USPS regs which require them to run the data files thru NCOA.

  • Notregularemail

    WEAK MINDED CONSPIRACY THEORY-
    The address changes that go to the credit reporting companies also get reported to the National Change Of Address File (NCOA). If you are sending large mailings and using a mail shop then they are simply complying with USPS regs which require them to run the data files thru NCOA.

    • http://GetOutOfDebt.org Steve Rhode

      Sure, that is always a possible explanation but the last ten or so similar mailings from others I have seen have said they came of credit bureau mailing lists so logically this would be a more likely explanation. See this mailing I published as an example.

      • Birdwatcher

        All clients are meetings are done in our 350+ Attorney’s offices. We currently have 350 plus Attorney’s in our Legal Helpers netowork. WE DO NOT USE RUNNERS OR MEET AT STARBUCKS. Everything is working out quite well, clients actually like the fact they are able to meet with an Attoney in their area. In this day and age it’s to know youcan still shake hands with people you are doing business with, especially your finances. We have had clients sometimes drive up to 3 hours from their home if they live in a rural area to meet with an Attorney, at the Attorney’s office. The meeting is about an hour + long, the attorney goes over all the docments, hardship, monthly budget, also all negatives, if they are not able to afford the payment, we will recommend bankruptcy. If for some reason we feel the client is trying to pull a fast one and not pay their crediotrs back, we will not enroll them in the program. After all if a clients gets sued, we will be with them in a court of law, to help work out an agreement. The client is paying for full legal representation against the creditors. I, hope this clears some thing up, but knowing Mr. Rhode, it will just bring more questions.

      • http://GetOutOfDebt.org Steve Rhode

        The LDHRHELP.com site only lists 57 state attorney partners. – Source. Are the other 300 attorneys you are referring to partners but just not listed?

        For example, can you please post the list of attorneys that are part of your network in North Carolina so I can compare that against your site which lists only Grant Patten.

      • Birdwatcher

        We currently have 6 attorneys in North Carolina, I’m not authorzed to release names or addresses, plus everyone seems to be on a witch hunt for Legal Helpers. The real story of it is, we are the first and only company to actually be with a client in court if a crediotr were to sue, we do not take fees up front, the first month a client has money being saved in their special purpose account. I see how perfomance based companies would look good , but the client will still be sued and will most likey file for bankruptcy. So I ask you this question would you rather be with a law firm that provides you full legal representation if a creditor were to sue you or a random performance based company that is still not disclosing all negatives, you can still have your crediotrs garnish, lien, or sue you. (your lawsuit chance is still present with performance based, if not greater). What opition would you chose? A law firm with your local attorney down the street, who is well versed in your state laws or the random debt settlement company in in Irvine? Crediotrs know these perfomance based companies will most likely be out of business within 6 months to a year, that is why they are still telling client not to work with settlement companies. The creditors already know legal helpers since we have been providing legal financial debt assitance for 15 years. Remember people love to attack the best, nobody attacks the mediocre. This is not a sales pitch or even an attempt to sell ourselves, this is simply the truth.

      • http://GetOutOfDebt.org Steve Rhode

        Frankly I’m shocked you claim to have six NC attorneys but don’t want to name them. That certainly does not bread trust or confidence. In fact consumers have no way to validate that claim and it is contrary to the claim made on the lhdr site. The lhdr site says 57, you say 350+, I say you are either lying or being untruthful. The lhdr site names them and you won’t.

        So let’s talk about those imaginary unnamed masked NC attorneys for a moment. If you are unwilling to name them, as you should, answer the following questions about them then.

        Do they have their own independent North Carolina law firms?

        Do the individual NC attorneys have an attorney-client relationship with all the LHDR NC clients or only the ones they meet?

        Do the individual attorneys place the client funds into the individual attorney trust account or are these self-saver clients?

        Do the individual NC attorneys meet with, talk with, or have any other contact with any of LHDR’s North Carolina customers, except on a very occasional basis?

        Do they negotiate directly with with third party creditors on behalf of the LHDR customer?

        Are they otherwise involved with the operation of LHDR’s debt settlement program?

        Are the NC attorneys employed full-time by LHDR?

      • Anonymous

        I think Birdwatcher flew away.

      • Anonymous

        Birdwatcher, thanks for coming on here and sharing your thoughts. I have a question, are you an attorney of LHDR or an affiliate branch? I think a lot of the discussion made here isn’t meant put LHDR down but to point out how they are still not fully compliant with the new FTC-TSR ruling and I am sure Steve has pointed out a lot of the concerning areas. You also just responded earlier stating that you feel “people love to attack the best, nobody attacks the mediocre” so to remind you if you just follow thru a lot of what has been written on this site you will find, that Steve writes about anyone or companies, big or small, just happens that more people seem to respond with comments when LHDR subject is brought up. You also mentioned that these other debt settlement companies that are currently using performance model will fail because they do not provide legal representation in case of lawsuits so are you saying that majority of the clients that you’ve retain are facing lawsuits now? You also mentioned you do not collect fees upfront, we can understand that if you are just LHDR and not the affiliate branch who will charge fees upfront or offer a financial coaching package for $700 per enrollment into the LHDR debt resolution plan, plus a monthly fee for the continuation of coaching so back to the compliance issue, wouldn’t you be a bit concern that your affiliates are selling a product that is connected with a debt relief service? How is that performance model debt settlement, where some of these folks offer don’t even charge any setup fee or monthly fee has the same risk as you are stating with your current model which sounds like an old model except naming your set up retainer fee to be financial coaching fee? I have asked this in the past and I’ll ask it again, if you, yourself are involved in a debt settlement program, and you are paying $1000 month, what model would you put yourself into, performance model where there is no setup cost, monthly cost, just strictly savings or choose an attorney model, where you have to pay $700 upfront for a coaching a package plus $50 a monthly subscription and on top of that half of your program term your retainer fee is taken out of those monthly payments? What model will save up faster so you can get a settlement that much quicker? Let’s run a simulation: 1 creditor only for $5000. Both model 15% Fees for enrolled debt = $750. Minimum savings required to start settling 45%=$2250. Monthly payment spread out for just 6 months $500 so let’s see which model saves and settles a clients’ debt quicker. 1. LHDR model requires a start up cost $700(for financial coaching) plus $50 monthly subscription. Since its 6 months plan that means the 15%fee is spread out evenly for 6 months= $125 now add $50(subscription)total fees taken out of the $500 payment for 6 months, equals net savings into Trust Account= $1950(but we need at least $2250 minimum). So total out of your pocket once reached 6 months of payments plus setup =$1750 in fees. 2. Performance model, NO SETUP FEE, NO MONTHLY FEEs. 6 months of $500 payment to save up =$3000 into Trust Account, money out of pocket=$ZERO. Settlement offer after 6 months lands at 40% instead of 45%, 5% of funds remains in Trust Account for next creditor and total fees paid is $750 instead of $1950 and this is just a 6 month scenario. Honestly which plan is better or makes better sense to you?

      • Anonymous

        corrections-”$750 instead of $1950″ is $750 instead of $1750

      • Observer

        Good stuff Joe.

        Birdie, I have a few observations as well.

        You state “I see how perfomance based companies would look good , but the client will still be sued and will most likey file for bankruptcy”

        The settlement industry has long down played the risk of being sued. You now appear to suggest lawsuits are imminent in debt settlement. If the client is sued and will then most likely file bankruptcy, why are you enrolling them in debt settlement? Just because a person has an attorney of their own in a credit card suit does not mean they win the case, especially when brought by the original creditor. Judgments still mean the same thing to the consumer regardless.

        You state “would you rather be with a law firm that provides you full legal representation if a creditor were to sue you or a random performance based company that is still not disclosing all negatives”

        Companies engaged in telemarketing are required to comply with the new telemarketing sales rules. They should also be in compliance of title 5 of the FTC Act. This would mean that all negatives are disclosed. This statement is an empty attempt to promote attorney sponsored services that you are engaged in.

        You state “you can still have your crediotrs garnish, lien, or sue you”

        So true. Joe provided a mathematical example in his post that compares a no advance fee company with what he knows LHDR fees to be. The consumer in the no advance fee program is far better positioned to be successful in settling the debt and avoiding a law suit all together and is certainly armed with the ammunition (available funds) needed to shoot down the lawsuit at inception were one to occur.

        You also state “your lawsuit chance is still present with performance based, if not greater”

        This sir, if I may be so blunt, is a crock of shit. It is in my opinion a lame attempt to sell that which you are associated with. I could make a credible argument that consumers are put at greater risk when engaging an “attorney model” debt settlement process.

        Further you state “What opition would you chose? A law firm with your local attorney down the street, who is well versed in your state laws or the random debt settlement company”

        Personally, I would choose the local attorney down the street when considering the context and sentence structure you used. However, from the information available, that is not what LHDR represents. Your question is a pretty good sales tool to use with the average consumer stressed about their debt though. Good one Birdie….

        Lets continue. You state “Crediotrs know these perfomance based companies will most likely be out of business within 6 months to a year, that is why they are still telling client not to work with settlement companies”

        Here again, you have provided more for the crock. There are performance based companies who have been in operation for years. They will only thrive. Also, creditors tell consumers to avoid working with ANY debt settlement company and do so indiscriminate of whether it is charging advance fees or not, or whether it is “attorney model” or not.

        Here is the best and second to last. You state “The creditors already know legal helpers since we have been providing legal financial debt assitance for 15 years”

        The implication of this statement when taken in the context you gave is that creditors know LHDR and work with them. Birdie, were that true, to any extent, why the hell does the consumer need an attorney to represent them when they are sued? You as much have assured a reader of your comment that it’s going to happen. Why? LHDR and the creditors know each other. Why sue the consumer working with LHDR? You contradict yourself.

        Finally, “this is simply the truth”

        The truth as Birdie sees it. In my opinion, Birdie needs glasses.

      • http://www.ftc.gov ComplianceSlave

        Pretty sure LDHR contracted w/ Totalbankruptcy. That is not a compliant model & why they wont publish the lawyer info- Most states follow ABA Model Rules of Conduct, must list attys on website- Im sure they”dont have to” as these attorneys are contract or referral & and a reciprocal arrangement is made between firms so LDHR gets the client- NOT the so called state atty

    • M/

      USPS Change InformationAppears to me to be a service reported to by the USPS when addresses are changed with them & they report back to USPS.

  • Joe_debt_jr

    thats funny. Hey Steve have you been getting anymore feedbacks about how the face to face meetings are turning out? I wonder if their affiliates are losing more clients with that model. I don’t know how they can convince someone to go out of their way to meet at a Starbuck or where ever to talk to a total stranger about their debt problems. If my wife told me she is heading out to meet someone to talk about our debt at Starbucks, that raise a major red flag for me.

  • Steve Rhode

    Well don’t sugarcoat it, tell us how you really feel. (LOL)

  • Really?

    No Red…

  • Really?

    It does not. It says ADVERTISEMENT (in black)

  • Confused Provider

    Macey is a crook. That a-hole is going down!

  • Confused Provider

    Macey is a crook. That a-hole is going down!

    • http://GetOutOfDebt.org Steve Rhode

      Well don’t sugarcoat it, tell us how you really feel. (LOL)

      • Anonymous

        thats funny. Hey Steve have you been getting anymore feedbacks about how the face to face meetings are turning out? I wonder if their affiliates are losing more clients with that model. I don’t know how they can convince someone to go out of their way to meet at a Starbuck or where ever to talk to a total stranger about their debt problems. If my wife told me she is heading out to meet someone to talk about our debt at Starbucks, that raise a major red flag for me.

      • http://GetOutOfDebt.org Steve Rhode

        I have not. But the reason the strategy seems flawed to me is that there is no way to follow the TSR strictly and conduct the face-to-face exemption using a runner. The problem area is the part about the sales presentation not being performed till the face-to-face meeting and to demonstrate to regulators that a consumer has a bona fide attorney-client relationship with an attorney in their state.

        Keep watching, major enforcement actions are in the works and coming.

        Steve

  • Steve Rhode

    What is interesting is that the letter appears to not conform to their own marketing standards posted here. Their own policies and procedures say:

    “The first sentence of any direct solicitation in the form of a written communication must be: “IF YOU HAVE ALREADY HIRED OR RETAINED A LAWYER IN CONNECTION WITH DEBT RESOLUTION, PLEASE DISREGARD THIS MESSAGE.”

    If the communication is being prompted by a specific occurrence it must disclose how LHDR obtained the information prompting the communication. This disclosure must be specific enough to help the recipient to understand the extent of the lawyer’s knowledge regarding the recipient’s particular situation.”

  • http://GetOutOfDebt.org Steve Rhode

    What is interesting is that the letter appears to not conform to their own marketing standards posted here. Their own policies and procedures say:

    “The first sentence of any direct solicitation in the form of a written communication must be: “IF YOU HAVE ALREADY HIRED OR RETAINED A LAWYER IN CONNECTION WITH DEBT RESOLUTION, PLEASE DISREGARD THIS MESSAGE.”

    If the communication is being prompted by a specific occurrence it must disclose how LHDR obtained the information prompting the communication. This disclosure must be specific enough to help the recipient to understand the extent of the lawyer’s knowledge regarding the recipient’s particular situation.”

  • Lewis Roberts

    There are other Florida Bar violations. Maybe too numerous to comment on.

    Here are a few: cannot say “get a fresh start” – that is guaranteeing a positive result.

    Is advertisement stamped in red? Was the envelope stamped “Advertisement” in red?

    First sentence of the mailer must say: If you have already hired an attorney for this matter, please disregard this letter.

    Just to name a few….

  • Lewis Roberts

    There are other Florida Bar violations. Maybe too numerous to comment on.

    Here are a few: cannot say “get a fresh start” – that is guaranteeing a positive result.

    Is advertisement stamped in red? Was the envelope stamped “Advertisement” in red?

    First sentence of the mailer must say: If you have already hired an attorney for this matter, please disregard this letter.

    Just to name a few….

    • Really?

      No Red…

  • JV

    Steve,

    Does the mailer have LEGAL ADVERTISEMENT written on it in RED INK?

  • JV

    Steve,

    Does the mailer have LEGAL ADVERTISEMENT written on it in RED INK?

    • Really?

      It does not. It says ADVERTISEMENT (in black)

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