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The Alleged LHDR Client Experience in Pictures

After listening to and reading about countless stories from unhappy former clients of Legal Helpers Debt Resolution, reviewing their contract myself, and observing the process they put their clients through, I have formed a personal opinion about the business model of Legal Helpers Debt Resolution and in past articles I have not been shy about my complaints.

Judging from the news of late, some regulators and Attorneys General seem to share my opinion of the Legal Helpers Business Plan as it pertains to Debt Settlement.

They say a picture is worth a 1,000 words, so rather than bore you with the details, let me tell you in 4,000 words, what I believe to be, a common client experience for those that hire Legal Helpers Debt Resolution.

The Alleged LHDR Client Experience in Pictures

Month 1 – Client is all Smiles and Feels a False Sense of Relief

The Alleged LHDR Client Experience in Pictures

Month 6 – Client Senses Trouble but Holds On, Not Aware of Better Alternatives

The Alleged LHDR Client Experience in Pictures

Month 12 – Client Knows They are in Trouble But Doesn't Want to Lose 1,000's in Fees Already Paid

The Alleged LHDR Client Experience in Pictures

Month 18 – Client has Paid All Fees and is Now in a Very Compromising Position

If any former or current Legal Helpers clients would like to weigh in on whether or not this Visual Metaphor bares (no pun intended) a resemblance to their experiences, please feel free to comment.

Also please note that this is not an actual “secret business plan” that I obtained from Legal Helpers Debt Resolution. Consumers are free to call a Legal Helpers Debt Resolution Sales Affiliate (There are 100′s of them out there now hoping Legal Helpers can shelter them from the Advance Fee Ban) for a Debt Settlement Sales Pitch and judge the program for themselves.

During the phone sales pitch they will tell you someone will come over to your house to provide a financial consultation, go over your options and educate you on the Legal Helpers Debt Resolution process.

However, typically what they do is send over a local Paralegal or Notary who knows nothing about your circumstances or the Legal Helpers program, but is only told to have you watch a video and get the documents signed. You might ask yourself… why send someone over to sign the paperwork and not just fax the forms back?

Great question, please reference the 4,000 words above for the answer.

Caveat Emptor.

The Alleged LHDR Client Experience in PicturesThe Alleged LHDR Client Experience in PicturesDamon is a talented independent debt coach that provides in-depth assistance and consultations for people struggling with debt. If you want a personal debt coach to help you through a difficult situation or want assistance to find secret discounts offered by debt settlement companies I think Damon Day is an excellent person to contact for advice and assistance. He can be reached directly at DamonDay.com

If you have a debt related question you’d like to ask, just use the online form.


Source: The Alleged LHDR Client Experience in Pictures

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About Damon Day

Damon Day
Damon Day is a talented Debt Coach who offers fee based consultations to consumers as an alternative to the typical free debt relief consultations which are nothing more than thinly veiled sales pitches lacking any real information to help a consumer make a good decision. You can learn more about how he can protect you from getting ripped off at DamonDay.com
  • Question

    Couldnt find the video, but sure is a nice commercial. One would think they are in good hands and with over “300 offices nationwide” they sound big and credible:

    http://www.youtube.com/watch?v

    sorta funny one: http://www.youtube.com/watch?v

    Funny again: http://www.youtube.com/watch?v

    and http://www.youtube.com/watch?v

    Speaking of advertising-
    Interesting accusations: http://www.youtube.com/watch?v

  • Debtdebt0

    Damon,
    Karma Dude!!!

  • Damon Day

    Keefer,
    In my opinion you are pretty spot on for the most part, and I do believe the powers that be are putting things in place to take action, but that is not based on any first hand information but speculation only.

    In the meantime, I and everyone else who is a fair minded person should be bringing attention to this issue.

    I have personally spoken to consumers that called Legal Helpers for a bankruptcy consultation, were perfect candidates for a chapter 7, needed to file bankruptcy, and were talked out of it, and instead talked into their debt settlement program.

    Imagine that.  You call “the largest bankruptcy firm in the country” and they talk you out of bankruptcy, even when it is the best solution.  Why?

    Well, they only know, but I speculate it could be because, at least for the consumers that I spoke with, the fees for settlement were 2 to 3 times higher than their fees for Bankruptcy.

    Based on the ignorant responses and claims about bankruptcy made by the sales person “for the largest bankruptcy firm in the country” I conclude that not only does Legal Helpers have unqualified sales people providing financial advice, but I also conclude that the sale person earns a higher commission for the settlement program.

    You can read more about that issue in my article here
    http://damonday.com/2922/legal

    Now to your larger point, it would just be a double bonus for them if after a year of collecting fees in their upfront fee debt settlement program, the client gets sued, or can’t continue to make payments, then the same sales person may earn another commission to convince that consumer that Bankruptcy is now the best option.  What a Racket huh?

    If it wasn’t so serious and hurting so many consumers, it would actually be stupidly funny that they think they are going to be able to get away with this for any extended length of time, especially with all of the regulator focused scrutiny out there for the industry right now.

    I certainly can’t save everyone, but I am doing my darnedest to at least get consumers to logically think about their business model before signing the contract.

    I just hope that one day soon, they get what they have been giving to their clients.

    Thanks for taking the time to help me bring awareness to this issue.

  • Keeferh

    Legal Helpers and Legal Helpers Debt Resolution.  Doing just a little work [inspired by your comical criticism above], I have put together the following speculation of a theory. Both have the same main partners.  Tom Macey, Jeff Alemen, and Jeff Hyslip seem to be the main players based on the firms’ information.  If what I am speculating is even close to right, then I would hope someone in positions of responsibility would take action to protect the consumer. Better yet, I hope that I am wrong.
     
    Legal Helpers says it is the largest consumer bankruptcy law firm in the United States.  Considering how many times I am seeing their TV commercials, I would not argue with them on their size.  However, they are constantly advertising in the same commercials that consumers should not consider debt settlement because those programs fail.  Yet, they are also selling debt settlement through their Legal Helpers Debt Settlement law firm.

    My guess, speculation or theory is that both companies are just one giant source for taking fees from financial troubled consumers.  Speculating, that once they have a consumer in their debt settlement product, once that program fails, they just move them over to their bankruptcy product.  In fact, based on what their bankruptcy commercials say, it is like they are ensuring a constant flow of new bankruptcy clients whose financial condition was worsened by the debt settle process [Legal Helpers words about debt settlement programs fail, not mine].   If you really wanted to believe that a potential massive fraud was being committed, you would further your speculation to include: A consumer who contacts Legal Helpers bankruptcy and decides after hearing about bankruptcy that they do not want to move forward, is then put in contact with Legal Helpers Debt Settlement as another option.  Of course, based on Legal Helpers [bankruptcy] opinion of debt settlement, that consumer should be ready to become a bankruptcy client once their already unstable financial condition is worsened. If this theoretical situation was not people getting rich on the backs of the financially troubled, it would be an incredible business model.  Have a gigantic advertising machine generating new potential clients covering all bases of debt settlement and consumer bankruptcy.  Sign up the new clients and them move them from one business to another, constantly take whatever fees you can get away with.  The thought that this could be happening is very troubling.

    Keefer

  • Anonymous

    Legal Helpers and Legal Helpers Debt Resolution.  Doing just a little work [inspired by your comical criticism above], I have put together the following speculation of a theory. Both have the same main partners.  Tom Macey, Jeff Alemen, and Jeff Hyslip seem to be the main players based on the firms’ information.  If what I am speculating is even close to right, then I would hope someone in positions of responsibility would take action to protect the consumer. Better yet, I hope that I am wrong.
     
    Legal Helpers says it is the largest consumer bankruptcy law firm in the United States.  Considering how many times I am seeing their TV commercials, I would not argue with them on their size.  However, they are constantly advertising in the same commercials that consumers should not consider debt settlement because those programs fail.  Yet, they are also selling debt settlement through their Legal Helpers Debt Settlement law firm.

    My guess, speculation or theory is that both companies are just one giant source for taking fees from financial troubled consumers.  Speculating, that once they have a consumer in their debt settlement product, once that program fails, they just move them over to their bankruptcy product.  In fact, based on what their bankruptcy commercials say, it is like they are ensuring a constant flow of new bankruptcy clients whose financial condition was worsened by the debt settle process [Legal Helpers words about debt settlement programs fail, not mine].   If you really wanted to believe that a potential massive fraud was being committed, you would further your speculation to include: A consumer who contacts Legal Helpers bankruptcy and decides after hearing about bankruptcy that they do not want to move forward, is then put in contact with Legal Helpers Debt Settlement as another option.  Of course, based on Legal Helpers [bankruptcy] opinion of debt settlement, that consumer should be ready to become a bankruptcy client once their already unstable financial condition is worsened. If this theoretical situation was not people getting rich on the backs of the financially troubled, it would be an incredible business model.  Have a gigantic advertising machine generating new potential clients covering all bases of debt settlement and consumer bankruptcy.  Sign up the new clients and them move them from one business to another, constantly take whatever fees you can get away with.  The thought that this could be happening is very troubling.

    Keefer

    • http://DamonDay.com Damon Day

       Keefer,
      In my opinion you are pretty spot on for the most part, and I do believe the powers that be are putting things in place to take action, but that is not based on any first hand information but speculation only.

      In the meantime, I and everyone else who is a fair minded person should be bringing attention to this issue.

      I have personally spoken to consumers that called Legal Helpers for a bankruptcy consultation, were perfect candidates for a chapter 7, needed to file bankruptcy, and were talked out of it, and instead talked into their debt settlement program.

      Imagine that.  You call “the largest bankruptcy firm in the country” and they talk you out of bankruptcy, even when it is the best solution.  Why?

      Well, they only know, but I speculate it could be because, at least for the consumers that I spoke with, the fees for settlement were 2 to 3 times higher than their fees for Bankruptcy.

      Based on the ignorant responses and claims about bankruptcy made by the sales person “for the largest bankruptcy firm in the country” I conclude that not only does Legal Helpers have unqualified sales people providing financial advice, but I also conclude that the sale person earns a higher commission for the settlement program.

      You can read more about that issue in my article here
      http://damonday.com/2922/legal-helpers-if-you-lie-down-with-dogs-you-wake-up-with-fleas/

      Now to your larger point, it would just be a double bonus for them if after a year of collecting fees in their upfront fee debt settlement program, the client gets sued, or can’t continue to make payments, then the same sales person may earn another commission to convince that consumer that Bankruptcy is now the best option.  What a Racket huh?

      If it wasn’t so serious and hurting so many consumers, it would actually be stupidly funny that they think they are going to be able to get away with this for any extended length of time, especially with all of the regulator focused scrutiny out there for the industry right now.

      I certainly can’t save everyone, but I am doing my darnedest to at least get consumers to logically think about their business model before signing the contract.

      I just hope that one day soon, they get what they have been giving to their clients.

      Thanks for taking the time to help me bring awareness to this issue. 

      • Debtdebt0

        Damon,
        Karma Dude!!!

      • http://DamonDay.com Damon Day

        Speaking of Karma, Legal Helpers has been getting a healthy does of it from regulators lately? Things always come back around.

  • Damon Day

    That is a good question. I have never seen it myself, just heard about it from clients that were wondering why someone showed up at their house and couldn’t answer any questions about Legal Helpers or advise them financially, but simply popped in a video about Legal Helpers and wanted the agreement signed.

    If anyone has a digital copy of the video, please post a link to it here.

  • Question

    Is the LHDR video that clients see available online?

  • Question

    Is the LHDR video that clients see available online?

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