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I Received Information From Legal Helpers Debt Resolution But Should I Move Forward? – Carla

“Dear Michael,

I have approximately $37k in credit card debt.

I contacted Legal Helpers Debt Resolution after receiving information in the mail. I’m getting ready to move forward and sign an agreement with LHDS but I have been reading blogs on the internet that has made me question whether I should move forward. Can you recommend a debt settlement company? Please help:(

Carla”

Hi Carla,

The first thing I want to help to establish is whether a debt settlement approach to your debt is the most appropriate.

Why is it that you have determined this is the best path for you to take?

Have you consulted with professionals who offer other solutions such as credit counseling, or bankruptcy?

When it comes to selecting a debt settlement firm to assist you, I would recommend you work with a company who does not charge service fees in advance of delivering a service. To my knowledge, Legal Helpers charges upfront fees.

I would recommend you consult with members of the AACC who offer debt settlement services. They provide no cost evaluations and do not charge for the direct debt settlement service until you see results.

You may even want to consider DIY debt settlement where you can navigate the process yourself with help from knowledgeable experts.

Please respond in the comment sections with any additional feedback or questions you may have.

Best of success in your efforts!

I Received Information From Legal Helpers Debt Resolution But Should I Move Forward?   CarlaMichael Bovee has worked with financially challenged consumers for the past 17 years and is a recognized expert in his field. Michael founded Consumer Recovery Network (CRN) in 2006. CRN offers debt settlement services and educational resources nationwide. He has served as its president since 2006.

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

I Received Information From Legal Helpers Debt Resolution But Should I Move Forward? - Carla by

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  • Errick

    Ugh. Banks are smart, too smart to cause anything like that to happen.  In fact, I would be very worried if banks started offering better deals to people represented by debt settlement companies.  That would mean the banks know something the debtors don’t.  I think there’s a lot of essentially unenforceable settlement activity going on.

  • HelloGuest

    I think Tonesal5 is really hurting LHDR here. LHDR would be better served having a PR department that actually understands their own product as well as the industry blog post for them. I never really paid any attention to LHDR as they are just another front loaded debt settlement company.

    Tone, please keep the postings coming on all of the LHDR thread as they are very entertaining. FYI, they also prove my point of this website being not much more than insiders arguing in defense of their own services and no substantial assistance for the consumers.

  • Joe debt jr.

    lol.. E. Because they have Tonesal5 representing the LHDR and making a fool of himself on here.

  • Damon Day

    Yes, I don’t charge a fee to warn people about the dangers of listening to you and enrolling in a program like legal helpers. That advice should save a consumer at least a few thousand dollars and a lot of head aches down the road. That is very valuable advice that I give consumers for free. Don’t you agree? ;-)

  • Steve Rhode

    So you can’t cite any cases then? If they filed there would still be a record of the filing. How about some case numbers and jurisdictions so we can check them out?

  • Tonesal5

    No Need to go further the companies know they are in the wrong so they settle… so does any of the companys you promote get money for there clients or do they just take and take…. steve dont you ever wonder how lhdr got so big… they get the best offers and get money back for there clients. Also clients in certain states are rep. in court for free. Does Damon do anything for free

  • Errick

    Yes I am also surprised to hear this.  If you would please direct us to a case where Legal Helpers filed suit on behalf of a debtor, I would appreciate it.  But I’m not holding my breath.  I am looking on PACER and haven’t found anything.

    My point is, and I think I’m not alone in thinking, that there is no particular reason to prefer a law firm for debt settlement.  You are not engaging them for the traditional practice of law, or their particular judgment and experience.  These other activities that debt settlement companies do, like review settlement agreements for their legal sufficiency, may technically be the practice of law.  But that is on the margins, and it is definitely not something the authorities are interested in pursuing.

  • Damon Day

    Funny how consumers seem to be able to get the same and usually better deals than LHDR by working with the creditors themselves, or working with a settlement company that isn’t going to charge all their fees upfront, send a cease communication letter and get their client sued.

  • Steve Rhode

    Let me guess in advance if Tonesal5 says it’s one of the following ridiculous reasons:

    A. It’s politically motivated.
    B. It’s a government conspiracy.
    C. The creditors manipulated the Illinois Attorney General into suing LHDR.
    D. The IL AG is stupid.

  • Joe debt jr.

    Tonesal5, can you give us readers a real reason why you are defending a company that has so many consumer complaints that even your own State of Illionios is trying to sue you? What does that tell you when a company is being sued? What is your rebuttal to your clients when they find out that LHDR is being sued?

  • Steve Rhode

    So if they sue collection companies all day long but do not represent the client in court, how does that work? Do they sue in federal or state court?

  • Tonesal5

    less expensive how does Damon know what Michael will settle for… I think its funny that you would tell someone to go to these little companys to try and settle there accounts. The collection companys would laugh… Small companys dont have the work load to cause problems for these  collections agency’s

  • Tonesal5

    Someone ask mike what he charges and what he could get for you…. o before someone says what about the 40% performance based percentage and ill say that the wiggle room not at one time did they ever accept a 40% offer heck even 35%

  • Tonesal5

    Someone ask mike what he charges and what he could get for you…. o before someone says what about the 40% performance based percentage and ill say that the wiggle room not at one time did they ever accept a 40% offer heck even 35%

  • Tonesal5

    Erick you are so right!!! Collections agency offer 20% settlements to lhdr and other companys get 40% to 75% hmmm ill pay the 15% add thats to 20% comes out to 35% and its better then what any other company could offer

  • Tonesal5

    LOL ERICK 30% GET YOUR FACTS STRIGHT 15% IS WORTH LHDR …. LHDR SUES COLLECTIONS COMPANYS ALL DAY LONG… ASK DAMON OR MIKE IF HE COULD DO THAT FOR YOU… DAMON AND STEVE SAY ALL DAY LHDR DOES NOT REPRESENT YOU IN COURT BUT HE LEAVES OUT THAT THEY GET THERE CLIENTS CASH THROUGH OUT THE PROGRAM… IVE GOTTEN 3K BETWEEN 2 CARDS… TAKE THE 3K OUT OF WHAT I PAID AND ITS WORTH IT.

  • Errick

    Uh… what?  That was supposed to be a joke.

  • Angelo

    @304cda5e12ce959a98a2b18d9ceeff83:disqus  Im curious as just how many of your clients have completed the LHDR program?  Oh, and if you would be so kind as to show those results that might carry some weight.  But it blows my mind that you can sit here and justify hiring a company that charges over 30% of a consumers debt and most of it is taken UPFRONT!!!  Take into account the number of complaints filed against LHDR and it just makes no sense why you would stand behind them and continue to bash success based companies.

  • Steve Rhode

    OMG, I’m still laughing, what a funny parody. High Five!!!

  • Errick

    Carla, I have foolproof advice for you, and it won’t cost you a cent.  I would call each of your creditors and THREATEN to sign on with Legal Helpers if they won’t play ball with you. 

    All the major banks are scared to death of even the suggestion that Legal Helpers might take your case.  The banks spend millions of dollars each year trying to keep you from even getting in touch with them, because they don’t stand a chance when the Legal Helpers lawyers sink their teeth.  Heck sometimes on a good day they will just forgive your debt at the suggestion that Legal Helpers might send one of their letters of representational mass destruction.  Just call them and lob a Legal Helpers grenade on their asses!  That will show them.

  • Errick

    Carla, I have foolproof advice for you, and it won’t cost you a cent.  I would call each of your creditors and THREATEN to sign on with Legal Helpers if they won’t play ball with you. 

    All the major banks are scared to death of even the suggestion that Legal Helpers might take your case.  The banks spend millions of dollars each year trying to keep you from even getting in touch with them, because they don’t stand a chance when the Legal Helpers lawyers sink their teeth.  Heck sometimes on a good day they will just forgive your debt at the suggestion that Legal Helpers might send one of their letters of representational mass destruction.  Just call them and lob a Legal Helpers grenade on their asses!  That will show them.

    • http://GetOutOfDebt.org Steve Rhode

      OMG, I’m still laughing, what a funny parody. High Five!!!

    • Angelo

      @304cda5e12ce959a98a2b18d9ceeff83:disqus  Im curious as just how many of your clients have completed the LHDR program?  Oh, and if you would be so kind as to show those results that might carry some weight.  But it blows my mind that you can sit here and justify hiring a company that charges over 30% of a consumers debt and most of it is taken UPFRONT!!!  Take into account the number of complaints filed against LHDR and it just makes no sense why you would stand behind them and continue to bash success based companies. 

      • Errick

        Uh… what?  That was supposed to be a joke. 

      • Tonesal5

        LOL ERICK 30% GET YOUR FACTS STRIGHT 15% IS WORTH LHDR …. LHDR SUES COLLECTIONS COMPANYS ALL DAY LONG… ASK DAMON OR MIKE IF HE COULD DO THAT FOR YOU… DAMON AND STEVE SAY ALL DAY LHDR DOES NOT REPRESENT YOU IN COURT BUT HE LEAVES OUT THAT THEY GET THERE CLIENTS CASH THROUGH OUT THE PROGRAM… IVE GOTTEN 3K BETWEEN 2 CARDS… TAKE THE 3K OUT OF WHAT I PAID AND ITS WORTH IT.

      • http://GetOutOfDebt.org Steve Rhode

        So if they sue collection companies all day long but do not represent the client in court, how does that work? Do they sue in federal or state court?

      • Tonesal5

        No Need to go further the companies know they are in the wrong so they settle… so does any of the companys you promote get money for there clients or do they just take and take…. steve dont you ever wonder how lhdr got so big… they get the best offers and get money back for there clients. Also clients in certain states are rep. in court for free. Does Damon do anything for free

      • http://GetOutOfDebt.org Steve Rhode

        So you can’t cite any cases then? If they filed there would still be a record of the filing. How about some case numbers and jurisdictions so we can check them out?

      • http://DamonDay.com Damon Day

        Yes, I don’t charge a fee to warn people about the dangers of listening to you and enrolling in a program like legal helpers. That advice should save a consumer at least a few thousand dollars and a lot of head aches down the road. That is very valuable advice that I give consumers for free. Don’t you agree? ;-)

      • HelloGuest

        I think Tonesal5 is really hurting LHDR here. LHDR would be better served having a PR department that actually understands their own product as well as the industry blog post for them. I never really paid any attention to LHDR as they are just another front loaded debt settlement company.

        Tone, please keep the postings coming on all of the LHDR thread as they are very entertaining. FYI, they also prove my point of this website being not much more than insiders arguing in defense of their own services and no substantial assistance for the consumers.

      • Errick

        Yes I am also surprised to hear this.  If you would please direct us to a case where Legal Helpers filed suit on behalf of a debtor, I would appreciate it.  But I’m not holding my breath.  I am looking on PACER and haven’t found anything.

        My point is, and I think I’m not alone in thinking, that there is no particular reason to prefer a law firm for debt settlement.  You are not engaging them for the traditional practice of law, or their particular judgment and experience.  These other activities that debt settlement companies do, like review settlement agreements for their legal sufficiency, may technically be the practice of law.  But that is on the margins, and it is definitely not something the authorities are interested in pursuing.

    • Tonesal5

      Erick you are so right!!! Collections agency offer 20% settlements to lhdr and other companys get 40% to 75% hmmm ill pay the 15% add thats to 20% comes out to 35% and its better then what any other company could offer

      • Errick

        Ugh. Banks are smart, too smart to cause anything like that to happen.  In fact, I would be very worried if banks started offering better deals to people represented by debt settlement companies.  That would mean the banks know something the debtors don’t.  I think there’s a lot of essentially unenforceable settlement activity going on.

  • Damon Day

    Michael had a great answer and he was very tactful.  I will be more direct in the answer to your question about moving forward with Legal Helpers.  I cannot envision any possible circumstance for any consumer in which Hiring Legal Helpers would be in the consumers best financial interest.  So I say no way.  Give Michael a call, he can provide you with a much more appropriate and less expensive solution.

  • http://DamonDay.com Damon Day

    Michael had a great answer and he was very tactful.  I will be more direct in the answer to your question about moving forward with Legal Helpers.  I cannot envision any possible circumstance for any consumer in which Hiring Legal Helpers would be in the consumers best financial interest.  So I say no way.  Give Michael a call, he can provide you with a much more appropriate and less expensive solution.

    • Tonesal5

      less expensive how does Damon know what Michael will settle for… I think its funny that you would tell someone to go to these little companys to try and settle there accounts. The collection companys would laugh… Small companys dont have the work load to cause problems for these  collections agency’s

      • Joe debt jr.

        Tonesal5, can you give us readers a real reason why you are defending a company that has so many consumer complaints that even your own State of Illionios is trying to sue you? What does that tell you when a company is being sued? What is your rebuttal to your clients when they find out that LHDR is being sued?

      • http://GetOutOfDebt.org Steve Rhode

        Let me guess in advance if Tonesal5 says it’s one of the following ridiculous reasons:

        A. It’s politically motivated.
        B. It’s a government conspiracy.
        C. The creditors manipulated the Illinois Attorney General into suing LHDR.
        D. The IL AG is stupid.

      • Joe debt jr.

        lol.. E. Because they have Tonesal5 representing the LHDR and making a fool of himself on here.

      • http://DamonDay.com Damon Day

        Funny how consumers seem to be able to get the same and usually better deals than LHDR by working with the creditors themselves, or working with a settlement company that isn’t going to charge all their fees upfront, send a cease communication letter and get their client sued.

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