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Home > Reader Questions > I Just Spoke to Someone With Legal Helpers Debt Resolution and I Am Not Sure About This Plan. – Liz

I Just Spoke to Someone With Legal Helpers Debt Resolution and I Am Not Sure About This Plan. – Liz

I am searching for the best solution for taking care of my credit card debt, which is around $16,000. I just spoke to someone with Legal Helpers Debt Resolution and I am not sure about this plan. And I have been reading the posts on your website regarding debt settlements and now I don’t think this is the way to go. My credit is fair but I am struggling. I feel sure I will not qualify for a loan due to my debt/income ratio.

What is your advice on how to handle this?

Liz

It’s time to put debt behind you and start dreaming about your life after debt. – Click to Tweet

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I Just Spoke to Someone With Legal Helpers Debt Resolution and I Am Not Sure About This Plan.   Liz
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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.

  • Ngrand05

    Hey, I just talked to someone from LHDR and was going to try to get out of debt also, but after reading your comment about your experience with them, I sure am backing out of this before its too late. Thanks for your comment about this law firm.

  • Terry Ridley

    Dear Liz:

    I would welcome an opportunity to show you what Thomassen Law Group can do for you. We and our associates have 20+years in debt settlement, an A+ Rating with the Better Business Bureau and we have graduated over 5,000 people through debt settlement. We are NOT a front-end loaded system. Just a monthly trust account instead of paying the creditors you enroll. No maintenance fee. You have attorney representation for settling your debt. I can tell you countless horror stories of trying to resolve your debt yourself, or trying to get your creditors to just reduce your interest rate. My email is [email protected] 866.548.2063 ext. 512.

  • Robertplattbell

    Most of these debt relief agencies cause more pain than they relieve. There is no free lunch. Take the money these “debt relief” people ask for and apply it toward the principle balance on your loans. That is a sure way to “get out of debt”.

    Credit card debt means only one thing: You are living beyond your means. Cut up the credit cards, and start cutting costs in your life and getting rid of “things” you own.

    I sold a hobby car I had and paid off a credit card. I got rid of cable TeeVee ($100 a month!) and that paid off another (over two years).

    Many people who are “in debt” are in debt because they spend a lot of “stuff” and services and things. If you have a cell phone with a texting plan, for example, and are struggling with debt, then you have your priorities reverse. Yes, it is only “a few dollars a month” ($60 actually) but over time, that adds up to accumulated debt. One is directly related to the other.

    I found that living a simpler, less cluttered life was more enjoyable – and being debt-free really rocks. But it took me a long time to swallow my pride and sell off all my “toys” on eBay and Craigslist and then really examine my life and work out a spending budget and cut back on every single darn thing.

    The entire process took over two years! But totally, totally worth it.

    Yes, it is a slow and painful process and not nearly as much fun as getting IN to debt was! But it really is the only way to go. There are no “quick fixes” for debt problems, nor any “miracle cures”.

    Good Luck!

  • Robertplattbell

    Most of these debt relief agencies cause more pain than they relieve. There is no free lunch. Take the money these “debt relief” people ask for and apply it toward the principle balance on your loans. That is a sure way to “get out of debt”.

    Credit card debt means only one thing: You are living beyond your means. Cut up the credit cards, and start cutting costs in your life and getting rid of “things” you own.

    I sold a hobby car I had and paid off a credit card. I got rid of cable TeeVee ($100 a month!) and that paid off another (over two years).

    Many people who are “in debt” are in debt because they spend a lot of “stuff” and services and things. If you have a cell phone with a texting plan, for example, and are struggling with debt, then you have your priorities reverse. Yes, it is only “a few dollars a month” ($60 actually) but over time, that adds up to accumulated debt. One is directly related to the other.

    I found that living a simpler, less cluttered life was more enjoyable – and being debt-free really rocks. But it took me a long time to swallow my pride and sell off all my “toys” on eBay and Craigslist and then really examine my life and work out a spending budget and cut back on every single darn thing.

    The entire process took over two years! But totally, totally worth it.

    Yes, it is a slow and painful process and not nearly as much fun as getting IN to debt was! But it really is the only way to go. There are no “quick fixes” for debt problems, nor any “miracle cures”.

    Good Luck!

  • Debt Whistleblower

    They seem to have offices in multiple states. It looks like their main office is in Chicago. Their BBB is a D-. Here is the link:

    http://www.bbb.org/chicago/bus

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

    They seem to have offices in multiple states. It looks like their main office is in Chicago. Their BBB is a D-. Here is the link:

    http://www.bbb.org/chicago/business-reviews/attorneys-bankruptcy-and-taxes/legal-helpers-pc-in-chicago-il-19002836

  • bigbrowneyes

    I can tell you from experience that LHDR is NOT the way to go!i have personally given them 4,500$$ and have did everything required of me…I was recently served w/a summons from one of the creditors,5 other creditors have turned me over to attorney for immediate collection!!I have tried for 2wks to get a response from them,they either refer me to someone else or don’t respond.I had good credit when this started but now its in the gutter and they have 4,500 $ of my money,I recently found a “REAL” attorney who is already gave me more help in 2 wks than I received from ” LEGAL HELPERS” in 6 mnths.I am taking the advice of “get out of debtguy”and going to go after them w/all I have,to get my money back!My new attorney has offered to help also,he would also like to see them “GO DOWN”I advise you to steer clear!

  • bigbrowneyes

    I can tell you from experience that LHDR is NOT the way to go!i have personally given them 4,500$$ and have did everything required of me…I was recently served w/a summons from one of the creditors,5 other creditors have turned me over to attorney for immediate collection!!I have tried for 2wks to get a response from them,they either refer me to someone else or don’t respond.I had good credit when this started but now its in the gutter and they have 4,500 $ of my money,I recently found a “REAL” attorney who is already gave me more help in 2 wks than I received from ” LEGAL HELPERS” in 6 mnths.I am taking the advice of “get out of debtguy”and going to go after them w/all I have,to get my money back!My new attorney has offered to help also,he would also like to see them “GO DOWN”I advise you to steer clear!

    • Ngrand05

      Hey, I just talked to someone from LHDR and was going to try to get out of debt also, but after reading your comment about your experience with them, I sure am backing out of this before its too late. Thanks for your comment about this law firm.

  • Cheri Goodman

    I think you should contact your creditors and work with them directly, they are more than willing to help you and in some cases will give you better options than they would a 3rd party, such as really low settlements or hardship programs….just be very patient and coopertive with them they have guidelines that they have to meet its nothing personal.

    goodluck

  • Cheri Goodman

    I think you should contact your creditors and work with them directly, they are more than willing to help you and in some cases will give you better options than they would a 3rd party, such as really low settlements or hardship programs….just be very patient and coopertive with them they have guidelines that they have to meet its nothing personal.

    goodluck

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