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Is Legal Helpers Debt Resolution a Legit Company? – Russ

“Dear Steve,

I have been in a client relationship with Legal Helpers Debt Resolution for under a year and have been paying them fees to settle my debt. I’ve noticed that there is a class action law suit being filed against this company.

Is this a legit company?

Russ”

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The Answer

Dear Russ,

I’m going to let commenters share their opinion on your question so you can hear from others on this issue. I’m sure there are a wide range of opinions here.

Please post your responses and follow-up messages to me on this in the comments section below.

Big Hug!

Is Legal Helpers Debt Resolution a Legit Company?   Russ
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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.
  • Jnet21475

    I have been with this program for 2 1/2 years. I have gone though 3 reps. I paid MOST of my debt out of pocket. I put 12 cards in the program and now have 3 left to pay. Plenty of money in escrow now, and can’t get anyone to pay anything. They rarely return calls or emails. I have a feeling that I will never see my escrow. Is there anyone out there that knows what we can do to fight this company? I ‘m still paying them $600 a month because I’m afraid of getting a penatly charges.

  • Steve Rhode

    There is a way back in with the guest post. The ball is in Tonesal5′s court.

  • Helloguest

    Steve,

    I believe that’s a bit harsh considering this site is full of blind posts etc. Let the little lad continue to entertain us. He is doing more harm to LHDR anyone else at this time…..

  • Helloguest

    Well there is nothing for me to prove. I have not personally been in the position to settle on a debt for my personal finances. But I do have clients who came from a debt settlement company that actually did settle some of their debts for favorble rates. I can tell you I’ve seen settlements as low as 5% with BOA and 80% on a Discover litigated case. Now, the question is not can the client get 20% or lower. The real question is can the client get 50%. That is what the debt will cost with LHDR at least when their fees are included. I believe the client can at least get the 50% with less aggrivation. The debt settlement industry is dead….. It’s time to move on……

  • Helloguest

    I really dont understand what you are really trying to say. But it is entertaining none the less. Especially when one reads all the posts you make in favor of LHDR on this site. Let me this please. If I as a consumer has a 10K cc with Chase and Chase offered me 7K to settle, are you saying that LHDR is the only company that get a lower rate? If so, what is the rate they obtained for you. Lets just assume they got a rate of 30-40% then add their fee. How much did you actuallly save that you couldnt have saved on your own?. In addition, if you chose to defend a company or any idea as adamant as you have, please provide something to support your argument. Lets see the magic settlement that was obtained by LHDR that no one else can obtain.

    If you feel that good about LHDR, you are better serving their interests by not posting on blogs that frown on the debt settlement industry. Also, you may also want to read up about the multiple legal actions against LHDR.

  • Steve Rhode

    After the last flurry of Tonesal5 nonsensical responses I’ve decided to block Tonesal5 from the comments.

    While I always welcome an elevated conversation about topics, after giving Tonesal5 a very wide latitude to bring some value via comments, Tonesal5 is not adding any value or content Tonesal5 has been able to back up with verifiable facts. Instead the comments have been without added value and merit.

    If Tonesal5 wishes to be reconsidered for commenting then I would first welcome a well sourced, factual and approved guest post of at least 1,000 words from Tonesal5 to lay out Tonesal5′s point of view so we can finally understand what in the world Tonesal5′s point might be.

    Tonesal5, you will need to submit the guest post with your real identity to be considered as a credible source.

  • Tonesal5

    Steve why dont you start the website and tell lhdr to send there happy clients there… I bet you wouldnt do it because you are all for your Attorney Network

  • Tonesal5

    Steve why dont you start the website and tell lhdr to send there happy clients there… I bet you wouldnt do it because you are all for your Attorney Network

    • http://GetOutOfDebt.org Steve Rhode

      After the last flurry of Tonesal5 nonsensical responses I’ve decided to block Tonesal5 from the comments.

      While I always welcome an elevated conversation about topics, after giving Tonesal5 a very wide latitude to bring some value via comments, Tonesal5 is not adding any value or content Tonesal5 has been able to back up with verifiable facts. Instead the comments have been without added value and merit.

      If Tonesal5 wishes to be reconsidered for commenting then I would first welcome a well sourced, factual and approved guest post of at least 1,000 words from Tonesal5 to lay out Tonesal5′s point of view so we can finally understand what in the world Tonesal5′s point might be.

      Tonesal5, you will need to submit the guest post with your real identity to be considered as a credible source.

      • Helloguest

        Steve,

        I believe that’s a bit harsh considering this site is full of blind posts etc. Let the little lad continue to entertain us. He is doing more harm to LHDR anyone else at this time…..

      • http://GetOutOfDebt.org Steve Rhode

        There is a way back in with the guest post. The ball is in Tonesal5′s court.

  • Tonesal5

    I told my creditor thats i was going to hire LHDR witch i did and they stated talking in circles because they can help me more and that lhdr wouldnt do anything well my debt gone for alot less then what i could of gotten…. I defend what i know is right

  • Tonesal5

    how can a client get 20% please tell me guest and if you can prove it like steve says

  • Tonesal5

    yea they charge 30%  give me a break

  • Helloguest

    So you dont get the best settlements then…You charge fees when the SIF is reached. For example 20% SIF (good) plus fee of what? say 15%-20%. Now the total SIF is 35-40%. The consumer or any other DS company could have gotten 20%. Also the case load to hold out on offers, is BS. The clients will be sued by then……

  • Helloguest

    Tonesal5,

    You go through great length to defend LHDR. How do you know they get the best settlements? Are these settlements a result of some magic trick? LHDR’s settlements like other DS companies are not getting any great settlements that a consumer cannot get on their own. In addition, when you add LHDR fee to the SIF amount, the consumer can certainly do better. Wouldnt the consumer be better served by for example selling a package of great information on how to settle their own debts? Maybe sell it for a fee with maybe a tiered system. Like different packages for different debt situations. Then offer support if needed for a small fee after a 60 day window from when the package is sent. In other words create the pacakages issue them and get paid, then offer advice or assistance for 60 days. after that charge a fee for support.

  • Damon Day

    Spend 5 minutes on my website and you will know exactly why a consumer should talk to me before they get financial advice from someone like you who will simply pitch them a horrible program like Legal Helpers Debt Resolution.  I would think that saving a consumer thousands of dollars by showing them a much better way to resolve their debts is worth my fee.

    I do charge a fee for the consult because I am not paid a fee to push them into some debt relief company as you are.  I offer unbiased advice.

    You talk to them for free in the hopes that you can sell them on a horrible program that is going to charge them 1,000′s of dollars and based on former client feedback, is more likely going to drive them into bankruptcy than it is to resolve their debts.

    It is a simple decision for consumers.  They can read the comments from Tonesal5 and then read my comments and look at my website.  Then they can make a judgment call as to whether or not they would be better off getting financial advice from Tonesal5, or paying a fair fee for the information they actually need to make an educated decision about how to best resolve their financial situation.

  • Damon Day

    News flash, consumers come to me after LHDR has already ripped them off and refused to refund their money.

  • Steve Rhode

    Come on, show some creativity.

    The old repetitive non-sensical insults are just boring and unimaginative.

    Please try harder.

  • Damon Day

    I am not sure how to respond to such a bold faced lie.  Other then to point to all the evidence to the contrary.

  • Tonesal5

    Because its a great company that gets the best offer for there clients… please tell me why you make up all your articles

  • Steve Rhode

    So where are all these happy client posting all their happy posts?

    Hey Damon, we are like lobsters! Isn’t catfish a bottom feeder? Had it for lunch today.

    I think tonesal5 is floundering just for the halibut. (Bottom Feeder Pun)

    And for those that might not be familiar with bottom feeders. Here is the lesson of the day.

    Bottom feeders are not necessarily detritivores, although there are many that are. Some bottom feeders graze along the bottom, feeding on plant material. Other bottom feeders may feed on other bottom feeders, and thus are carnivores.

    Many bottom feeders are also capable of burying themselves. A variety of invertebrates are able to bury themselves, such as bristleworms, sea cucumbers, and snails. Many vertebrate bottom feeders may bury themselves, such as flatfish or stingray.

    In many bottom feeders, a mechanism to deal with substrate is often necessary. In the case of some organisms such as sea cucumbers, the sand is usually passed through the body. In fish, sand will be pumped out of the mouth through the gill slit.

    In fish, most bottom feeders exhibit a flat ventral region so as to more easily rest their body on the substrate. The exception may be the flatfish, which are laterally depressed but lie on their sides. Also, many exhibit what is termed an “inferior” mouth, which means that the mouth is pointed downwards; this is beneficial as their food is often going to be below them in the substrate. Those bottom feeders with upward-pointing mouths, such as stargazers, tend to seize swimming prey. Some flatfish such as halibut actually have a “migrating” eye that moves to the upward-facing side of the fish as it ages.

  • Tonesal5

    STEVE & DAMON ARE BOTTOM FEEDERS!!! THEY TRY AND GET CLIENTS TO CANCEL SERVICE AFTER CLIENTS HAVE PAID AND STILL CHARGE THOSE CLIENTS FOR LESS WORK THAT THEY WILL DO…. LHDR WILL GET THE BEST SETTLEMENTS FOR THERE CLIENTS AND THE REASON WHY LHDR GOT SO BIG WAS WORD OF MOUTH CLIENTS TAKING ABOUT HOW MUCH THEY SAVED NOT HOW MUCH THEY LOST. THATS WHY YOU BAD MOUNTH THEM SO YOU CAN STEAL THE CLIENTS HMMM SHADY IF YOU ASK ME.. ALSO YOUR ATTORNEY DIDNT HAVE A BAR NUMBER LOL I DID MY OWE INVESTGATION

  • Tonesal5

    LOL ANGELO YOU ARE A CROOK!!!!

  • Tonesal5

    Damon you charge for people to talk to you… What do you have to say thats worth 100 plus dollars that they dont already know….. Also what i said about running is that your companys will closed down because there no money backing the program. LHDR WILL GET BETTER SETTLEMENTS THEN ANY OTHER COMPANY BECAUSE THEY HAVE THE CASE LOAD TO HOLD OUT ON OFFERS AND MAKE CREDITORS LOWER THEY OFFERS ACCROSS THE BOARD FOR LHDR CLIENTS. WITH 20,000 CLIENTS IN JUST ONE LOCATION CASE CAUSE ALOT OF PROBLEMS FOR COLLECTION COMPANYS. TO LET EVERONE KNOW LHDR DOES NOT CHARGE ANY FEES UNLESS ACCOUNT HAS BEEN SETTLED.

  • Damon Day

    I have direct knowledge of what Legal Helpers is doing to clients.  I have copies of their contracts and I talk to current and former clients every week that come to me for help on how to fix the situations that Legal Helpers has put them in.

    In your opinion, at what point do I have an obligation to share this information with other consumers, and at what point am I allowed to say if it looks like a duck, sounds like a duck, walks like a duck, and poops everywhere, then it is most likely a duck.

    In your opinion who are the authorities on debt settlement companies in various states?  Would you consider the AG of a state to be an authority?  The fact that the AG of Illinois has filed a lawsuit against Legal Helpers alleging the same things that former clients of theirs have confirmed, does that then lend enough credibility to the validity of the claims against Legal Helpers?

    What purpose do you think this website is not serving?  Do you think Russ is going to enroll with Legal Helpers now that he has seen all of the bad things they do to their clients?  No way.

    Seems to me, this website is serving a great purpose.  So I would say Russ got exactly the result he came for, which was to figure out of Legal Helpers was a Legit Company to hire.

    The answer is an overwhelming no.  So your comment leaves me confused, please explain it.

  • Helloguest

    Your ebay reference would not apply here. Ebay users comment on the product received and the seller/buyer transaction. This website is 95% commented on by industry people. Mostly debt companies either in direct competition of each other or promoting each other or former employees from various companies releasing information about their former employer.

    Most posters scream “Scam” etc, becuase they are reading the same circulated information some true some not. They do not have direct knowledge of most of the situations discussed here. I do not believe that this website serves the purpose it should. Most of the time,  consumers can no longer get sound, impartial advice. They do however get a large dose of bickering, false accusations at time, unprofessional advice and no real shot of attaining the desired result they came here for.

    Russ,

    If you are truly looking for sound advice, please contact the authorities on debt companies in your state. They will be in a better situation to assist you…..

  • Angelo

    @c686889a2778e0c6c509d86677d29f7a:disqus  Take what money and run?  We dont charge a dime until we settle a debt, unlike the LHDR charging over 30% of the debt…take the money and stay is LHDR’s logic!!!  Id be willing to bet you a steak dinner that Ive had more consumers graduate my program and for less than what LHDR charged!  @russ:disqus Who has a better chance of taking your money and running?  A company that has not charged upfront fees for over 3 years or …well, just read ALL the negative comments on this and every other site about LHDR and I think the answer is clear.

  • Steve Rhode

    What state do you live in?

  • Russ Myers

    I appreciate all the comments, however, one big question that remains to be unanswered is, if LHDR is what many of you say it is, then how do I join the Class Action Law Suit against these scuzzies?

    Russ

  • Russ Myers

    I appreciate all the comments, however, one big question that remains to be unanswered is, if LHDR is what many of you say it is, then how do I join the Class Action Law Suit against these scuzzies?

    Russ

    • http://GetOutOfDebt.org Steve Rhode

      What state do you live in?

  • Joe debt jr.

    “That means its easy for them to take your money and run… LHDR IS NOT GOING ANYWHERE. TOO BIG TO DISAPPEAR “ Russ what Tonesal is saying is that “don’t worry LHDR is taking everyone of their clients money upfront so they can use that to fight their current lawsuits that they are facing even a nice big suit in their own backyard state of Illionois.

  • Joe debt jr.

    Yes Russ, HelloGuest got one thing right “If you have genuine questions or concerns, it might be better for you to contact multiple debt settlement companies and compare the pitches and contracts etc. Contact as many as you can so you will feel a bit more comfortable. As always, try to find a debt settlement company that does not charge any fees until results are attained. ” Take LHDR contract and contact and compare to other debt settlement companies that won’t keep 8 months of your payments as their fees. Another bad comment made by HelloGuest “As I do realize it is frustraiting trying to find a reputable company to trust with your financial life, it will be more frustraiting trying to get the sound advice you need here……” Any reviews whether good or bad should be a good starting point in your decision making. If you ever purchase anything on Ebay, what helps you determine whether the seller is legit or not? By reading the reviews. You go on Yelp, what helps you determine whether or not the place you want to go has quality service? the Reviews. Unfortunately LHDR has the worst reviews I’ve seen up to date. Another way to be sure here google these 3 debt settlement company and tell me what they all have in common and how close of the same trait LHDR has as well. If that set off alarms than do me a favor, there is a toilet in your house that can flush your money just as fast as LHDR can. GOOGLE : Hess Kennedy, Allegro Law Firm, Johnson Law Group, NV and FL.

    Good luck,
    Gut Instinct Wins.

  • Judgment Day

    LHDR (Legal Helpers Debt Resolution) won’t be around for another year. When Macey, Hyslip, Searns and Aleman take the money and run, it will be judgment day for their associated cohorts and affiliated minions. The scheme is a house of cards, and the ponzi foundation is supported by nothing more than a couple of Bar licenses held by a couple of guys that will be laughing their asses off at all of you while they put down their next Mai Tai on some tropical beach far, far away…

  • Judgment Day

    LHDR (Legal Helpers Debt Resolution) won’t be around for another year. When Macey, Hyslip, Searns and Aleman take the money and run, it will be judgment day for their associated cohorts and affiliated minions. The scheme is a house of cards, and the ponzi foundation is supported by nothing more than a couple of Bar licenses held by a couple of guys that will be laughing their asses off at all of you while they put down their next Mai Tai on some tropical beach far, far away…

  • Ss827

    LHDR is ripping off vulnerable people.  I know, I am a victim.  I am finaclially ruined because I trusted LHDR.  I am now in the process of filing bankruptcy after paying LHDR over $11,000.  Only one of my four creditors were settled and my husband and I have both been garnished 20% of our income.  They lead you to believe they are a legal agency and will protect you.  All they do is by time so they can collect your money up front and then leave you for bait with any remaining creditors.  They don’t return calls and hang up on you when you confront their practices.  Someone needs to stop them.  unfrotunately I am broke and unable to retain legal services to defend me.  Good luck to those of you who also trusted LHDR

  • Ss827

    LHDR is ripping off vulnerable people.  I know, I am a victim.  I am finaclially ruined because I trusted LHDR.  I am now in the process of filing bankruptcy after paying LHDR over $11,000.  Only one of my four creditors were settled and my husband and I have both been garnished 20% of our income.  They lead you to believe they are a legal agency and will protect you.  All they do is by time so they can collect your money up front and then leave you for bait with any remaining creditors.  They don’t return calls and hang up on you when you confront their practices.  Someone needs to stop them.  unfrotunately I am broke and unable to retain legal services to defend me.  Good luck to those of you who also trusted LHDR 

  • Mike Reilly

    10-4

  • Steve Rhode

    No worries. I saw your previous comment needed the duplicate paragraph removed, so I did that. I then just deleted your comment that said you couldn’t edit the other one.

  • Mike Reilly

    Someone didn’t like what I said, what was so bad about that? I haven’t seen a removal until now, Steve email me the comment so I can get a laugh.

  • Damon Day

    Ha ha, ya, LHDR will take your money right in front of your face.  Based on recent comments I have a feeling Tonesal is a sales affiliate for LHDR.  How can a company that doesn’t charge fees until after a service take a clients money and run?

    Tonesal, why don’t you educate me on why Legal Helpers front loads all of their fees?  How does that help their client?

  • Joe debt jr.

    Russ, the math don’t lie as Mike stated read your contract and tell us how much you would have to pay upfront for their FEES and how much is being set aside in your trust account so when the time does come which can be never because you will never have enough saved to settle a debt which means a creditors most likely sue you. Math don’t like, go pull out your calculator and once you come up with how much FEEs they take in the first 8 months add that to the first 8 months you have saved up to settle. Or an easier way to decide, go with a company that only charge fees after a settlement has been made we call those companies “Performance Model” and LHDR UPFRONT take your money first and settle never. Your choice! good luck.

  • Mike Reilly

    sorry can’t fix it.

  • Mike Reilly

    Russ, allow me to make a very simple recommendation, read your contract thoroughly, take your time and put together a detailed list of the services you believe you are entitled to (those you have or will pay for) based on your contract and then confirm them with LHDR. It would be great if you would provide the list here so that we can all get a clear understanding of your initial expectations (what caused you to sign up) vs. your current feelings questioning your decision.

  • Mike Reilly

     Russ, allow me to make a very simple recommendation, read your contract thoroughly, take your time and put together a detailed list of the services you believe you are entitled to (those you have or will pay for) based on your contract and then confirm them with LHDR. It would be great if you would provide the list here so that we can all get a clear understanding of your initial expectations (what caused you to sign up) vs. your current feelings questioning your decision.

    • Joe debt jr.

      Russ, the math don’t lie as Mike stated read your contract and tell us how much you would have to pay upfront for their FEES and how much is being set aside in your trust account so when the time does come which can be never because you will never have enough saved to settle a debt which means a creditors most likely sue you. Math don’t like, go pull out your calculator and once you come up with how much FEEs they take in the first 8 months add that to the first 8 months you have saved up to settle. Or an easier way to decide, go with a company that only charge fees after a settlement has been made we call those companies “Performance Model” and LHDR UPFRONT take your money first and settle never. Your choice! good luck.

    • Mike Reilly

      Someone didn’t like what I said, what was so bad about that? I haven’t seen a removal until now, Steve email me the comment so I can get a laugh. 

      • http://GetOutOfDebt.org Steve Rhode

        No worries. I saw your previous comment needed the duplicate paragraph removed, so I did that. I then just deleted your comment that said you couldn’t edit the other one.

      • Mike Reilly

        10-4
         

  • HelloGuest

    You say “here”. I would have to reply with none, but on other threads “many” comments against LHDR……

  • HelloGuest

    Steve,

    I did not mention that you were blocking any comments. I was stating that by letting others address this consumers questions in this setting, it will only frustrate him. The replies are coming from competitors of LHDR which are just going to speak negatively about the company. The consumer needs advice from people with not alternative motives…..

  • Steve Rhode

    Which of my comments here are against LHDR?

  • Steve Rhode

    So he is a supporter of LHDR then?

  • Steve Rhode

    I’m letting all reply. I have not blocked any comments.

  • HelloGuest

    For the opposite reason all of your comments are against LHDR.

  • HelloGuest

    Russ,

    The way this post was set up may confuse you more than before. Steve (moderator) is allowing others reply to your concerns who may be and most likely are competitors of LHDR. By searching through this website you will see a lot of negative information on LHDR, with most postings coming from Steve or LHDR’s competitors. This website is more or less a gossip magazine for debt settlement companies (and other types) to complain and get inside information on their competition. There are many postings which include contracts, payment information and other privileged information which would fall under the “whistleblower statutes”. The so called tipsters are usually former employees of a company or agents of a company who act as if they were a consumer seeking assistance from another company to get information on their competitors. 

    If you have genuine questions or concerns, it might be better for you to contact multiple debt settlement companies and compare the pitches and contracts etc. Contact as many as you can so you will feel a bit more comfortable. As always, try to find a debt settlement company that does not charge any fees until results are attained.

    On this site you will also find that the same individuals will post against multiple companies while promoting their own. Most companies do not share information and dont know much about each other. Most of the information that each of us has on the other companies is what is broadcasted via this gossip site.

    As I do realize it is frustraiting trying to find a reputable company to trust with your financial life, it will be more frustraiting trying to get the sound advice you need here…… 

    Best of luck to you !!!!

  • HelloGuest

    Russ,

    The way this post was set up may confuse you more than before. Steve (moderator) is allowing others reply to your concerns who may be and most likely are competitors of LHDR. By searching through this website you will see a lot of negative information on LHDR, with most postings coming from Steve or LHDR’s competitors. This website is more or less a gossip magazine for debt settlement companies (and other types) to complain and get inside information on their competition. There are many postings which include contracts, payment information and other privileged information which would fall under the “whistleblower statutes”. The so called tipsters are usually former employees of a company or agents of a company who act as if they were a consumer seeking assistance from another company to get information on their competitors. 

    If you have genuine questions or concerns, it might be better for you to contact multiple debt settlement companies and compare the pitches and contracts etc. Contact as many as you can so you will feel a bit more comfortable. As always, try to find a debt settlement company that does not charge any fees until results are attained.

    On this site you will also find that the same individuals will post against multiple companies while promoting their own. Most companies do not share information and dont know much about each other. Most of the information that each of us has on the other companies is what is broadcasted via this gossip site.

    As I do realize it is frustraiting trying to find a reputable company to trust with your financial life, it will be more frustraiting trying to get the sound advice you need here…… 

    Best of luck to you !!!!

    • http://GetOutOfDebt.org Steve Rhode

      I’m letting all reply. I have not blocked any comments.

      • HelloGuest

        Steve,

        I did not mention that you were blocking any comments. I was stating that by letting others address this consumers questions in this setting, it will only frustrate him. The replies are coming from competitors of LHDR which are just going to speak negatively about the company. The consumer needs advice from people with not alternative motives…..

    • Joe debt jr.

       Yes Russ, HelloGuest got one thing right “If you have genuine questions or concerns, it might be better for you to contact multiple debt settlement companies and compare the pitches and contracts etc. Contact as many as you can so you will feel a bit more comfortable. As always, try to find a debt settlement company that does not charge any fees until results are attained. ” Take LHDR contract and contact and compare to other debt settlement companies that won’t keep 8 months of your payments as their fees. Another bad comment made by HelloGuest “As I do realize it is frustraiting trying to find a reputable company to trust with your financial life, it will be more frustraiting trying to get the sound advice you need here……” Any reviews whether good or bad should be a good starting point in your decision making. If you ever purchase anything on Ebay, what helps you determine whether the seller is legit or not? By reading the reviews. You go on Yelp, what helps you determine whether or not the place you want to go has quality service? the Reviews. Unfortunately LHDR has the worst reviews I’ve seen up to date. Another way to be sure here google these 3 debt settlement company and tell me what they all have in common and how close of the same trait LHDR has as well. If that set off alarms than do me a favor, there is a toilet in your house that can flush your money just as fast as LHDR can. GOOGLE : Hess Kennedy, Allegro Law Firm, Johnson Law Group, NV and FL.

      Good luck,
      Gut Instinct Wins.  

      • Helloguest

        Your ebay reference would not apply here. Ebay users comment on the product received and the seller/buyer transaction. This website is 95% commented on by industry people. Mostly debt companies either in direct competition of each other or promoting each other or former employees from various companies releasing information about their former employer.

        Most posters scream “Scam” etc, becuase they are reading the same circulated information some true some not. They do not have direct knowledge of most of the situations discussed here. I do not believe that this website serves the purpose it should. Most of the time,  consumers can no longer get sound, impartial advice. They do however get a large dose of bickering, false accusations at time, unprofessional advice and no real shot of attaining the desired result they came here for.

        Russ,

        If you are truly looking for sound advice, please contact the authorities on debt companies in your state. They will be in a better situation to assist you…..

      • http://DamonDay.com Damon Day

        I have direct knowledge of what Legal Helpers is doing to clients.  I have copies of their contracts and I talk to current and former clients every week that come to me for help on how to fix the situations that Legal Helpers has put them in.

        In your opinion, at what point do I have an obligation to share this information with other consumers, and at what point am I allowed to say if it looks like a duck, sounds like a duck, walks like a duck, and poops everywhere, then it is most likely a duck.

        In your opinion who are the authorities on debt settlement companies in various states?  Would you consider the AG of a state to be an authority?  The fact that the AG of Illinois has filed a lawsuit against Legal Helpers alleging the same things that former clients of theirs have confirmed, does that then lend enough credibility to the validity of the claims against Legal Helpers?

        What purpose do you think this website is not serving?  Do you think Russ is going to enroll with Legal Helpers now that he has seen all of the bad things they do to their clients?  No way.

        Seems to me, this website is serving a great purpose.  So I would say Russ got exactly the result he came for, which was to figure out of Legal Helpers was a Legit Company to hire.

        The answer is an overwhelming no.  So your comment leaves me confused, please explain it.

  • Williamchung

    Because he believes in their program? We know where you stand on LHDR now…

  • Steve Rhode

    OK, I’ve got to ask. Why is to date almost all of your comments on this site have been in support of Legal Helpers Debt Resolution or defending Legal Helpers Debt Resolution? 

    You can see all your comments here.

  • Steve Rhode

    Thank you for sharing your point of view with Russ.

    Can you please help Russ to understand how a performance fee debt settlement company that does not charge an advanced fee could take his money and run. How is that possible?

  • Tonesal5

    Russ go to another company this website promotes and you will realize that the company this website promotes are very small… That means its easy for them to take your money and run… LHDR IS NOT GOING ANYWHERE. TOO BIG TO DISAPPEAR

  • Tonesal5

    Russ go to another company this website promotes and you will realize that the company this website promotes are very small… That means its easy for them to take your money and run… LHDR IS NOT GOING ANYWHERE. TOO BIG TO DISAPPEAR  

    • http://GetOutOfDebt.org Steve Rhode

      Thank you for sharing your point of view with Russ.

      Can you please help Russ to understand how a performance fee debt settlement company that does not charge an advanced fee could take his money and run. How is that possible?

    • http://GetOutOfDebt.org Steve Rhode

      OK, I’ve got to ask. Why is to date almost all of your comments on this site have been in support of Legal Helpers Debt Resolution or defending Legal Helpers Debt Resolution? 

      You can see all your comments here.

      • Williamchung

        Because he believes in their program? We know where you stand on LHDR now…

      • http://GetOutOfDebt.org Steve Rhode

        So he is a supporter of LHDR then?

      • Tonesal5

        STEVE & DAMON ARE BOTTOM FEEDERS!!! THEY TRY AND GET CLIENTS TO CANCEL SERVICE AFTER CLIENTS HAVE PAID AND STILL CHARGE THOSE CLIENTS FOR LESS WORK THAT THEY WILL DO…. LHDR WILL GET THE BEST SETTLEMENTS FOR THERE CLIENTS AND THE REASON WHY LHDR GOT SO BIG WAS WORD OF MOUTH CLIENTS TAKING ABOUT HOW MUCH THEY SAVED NOT HOW MUCH THEY LOST. THATS WHY YOU BAD MOUNTH THEM SO YOU CAN STEAL THE CLIENTS HMMM SHADY IF YOU ASK ME.. ALSO YOUR ATTORNEY DIDNT HAVE A BAR NUMBER LOL I DID MY OWE INVESTGATION

      • http://GetOutOfDebt.org Steve Rhode

        So where are all these happy client posting all their happy posts?

        Hey Damon, we are like lobsters! Isn’t catfish a bottom feeder? Had it for lunch today.

        I think tonesal5 is floundering just for the halibut. (Bottom Feeder Pun)

        And for those that might not be familiar with bottom feeders. Here is the lesson of the day.

        Bottom feeders are not necessarily detritivores, although there are many that are. Some bottom feeders graze along the bottom, feeding on plant material. Other bottom feeders may feed on other bottom feeders, and thus are carnivores.

        Many bottom feeders are also capable of burying themselves. A variety of invertebrates are able to bury themselves, such as bristleworms, sea cucumbers, and snails. Many vertebrate bottom feeders may bury themselves, such as flatfish or stingray.

        In many bottom feeders, a mechanism to deal with substrate is often necessary. In the case of some organisms such as sea cucumbers, the sand is usually passed through the body. In fish, sand will be pumped out of the mouth through the gill slit.

        In fish, most bottom feeders exhibit a flat ventral region so as to more easily rest their body on the substrate. The exception may be the flatfish, which are laterally depressed but lie on their sides. Also, many exhibit what is termed an “inferior” mouth, which means that the mouth is pointed downwards; this is beneficial as their food is often going to be below them in the substrate. Those bottom feeders with upward-pointing mouths, such as stargazers, tend to seize swimming prey. Some flatfish such as halibut actually have a “migrating” eye that moves to the upward-facing side of the fish as it ages.

      • http://DamonDay.com Damon Day

        News flash, consumers come to me after LHDR has already ripped them off and refused to refund their money.

      • HelloGuest

        For the opposite reason all of your comments are against LHDR.

      • http://GetOutOfDebt.org Steve Rhode

        Which of my comments here are against LHDR?

      • HelloGuest

        You say “here”. I would have to reply with none, but on other threads “many” comments against LHDR……

      • Tonesal5

        Because its a great company that gets the best offer for there clients… please tell me why you make up all your articles

      • http://DamonDay.com Damon Day

        I am not sure how to respond to such a bold faced lie.  Other then to point to all the evidence to the contrary. 

      • http://GetOutOfDebt.org Steve Rhode

        Come on, show some creativity.

        The old repetitive non-sensical insults are just boring and unimaginative.

        Please try harder.

      • Helloguest

        Tonesal5,

        You go through great length to defend LHDR. How do you know they get the best settlements? Are these settlements a result of some magic trick? LHDR’s settlements like other DS companies are not getting any great settlements that a consumer cannot get on their own. In addition, when you add LHDR fee to the SIF amount, the consumer can certainly do better. Wouldnt the consumer be better served by for example selling a package of great information on how to settle their own debts? Maybe sell it for a fee with maybe a tiered system. Like different packages for different debt situations. Then offer support if needed for a small fee after a 60 day window from when the package is sent. In other words create the pacakages issue them and get paid, then offer advice or assistance for 60 days. after that charge a fee for support.

      • Tonesal5

        I told my creditor thats i was going to hire LHDR witch i did and they stated talking in circles because they can help me more and that lhdr wouldnt do anything well my debt gone for alot less then what i could of gotten…. I defend what i know is right

      • Helloguest

        I really dont understand what you are really trying to say. But it is entertaining none the less. Especially when one reads all the posts you make in favor of LHDR on this site. Let me this please. If I as a consumer has a 10K cc with Chase and Chase offered me 7K to settle, are you saying that LHDR is the only company that get a lower rate? If so, what is the rate they obtained for you. Lets just assume they got a rate of 30-40% then add their fee. How much did you actuallly save that you couldnt have saved on your own?. In addition, if you chose to defend a company or any idea as adamant as you have, please provide something to support your argument. Lets see the magic settlement that was obtained by LHDR that no one else can obtain.

        If you feel that good about LHDR, you are better serving their interests by not posting on blogs that frown on the debt settlement industry. Also, you may also want to read up about the multiple legal actions against LHDR.

    • http://DamonDay.com Damon Day

       Ha ha, ya, LHDR will take your money right in front of your face.  Based on recent comments I have a feeling Tonesal is a sales affiliate for LHDR.  How can a company that doesn’t charge fees until after a service take a clients money and run?

      Tonesal, why don’t you educate me on why Legal Helpers front loads all of their fees?  How does that help their client?

      • Tonesal5

        Damon you charge for people to talk to you… What do you have to say thats worth 100 plus dollars that they dont already know….. Also what i said about running is that your companys will closed down because there no money backing the program. LHDR WILL GET BETTER SETTLEMENTS THEN ANY OTHER COMPANY BECAUSE THEY HAVE THE CASE LOAD TO HOLD OUT ON OFFERS AND MAKE CREDITORS LOWER THEY OFFERS ACCROSS THE BOARD FOR LHDR CLIENTS. WITH 20,000 CLIENTS IN JUST ONE LOCATION CASE CAUSE ALOT OF PROBLEMS FOR COLLECTION COMPANYS. TO LET EVERONE KNOW LHDR DOES NOT CHARGE ANY FEES UNLESS ACCOUNT HAS BEEN SETTLED.

      • http://DamonDay.com Damon Day

        Spend 5 minutes on my website and you will know exactly why a consumer should talk to me before they get financial advice from someone like you who will simply pitch them a horrible program like Legal Helpers Debt Resolution.  I would think that saving a consumer thousands of dollars by showing them a much better way to resolve their debts is worth my fee.

        I do charge a fee for the consult because I am not paid a fee to push them into some debt relief company as you are.  I offer unbiased advice.

        You talk to them for free in the hopes that you can sell them on a horrible program that is going to charge them 1,000′s of dollars and based on former client feedback, is more likely going to drive them into bankruptcy than it is to resolve their debts.

        It is a simple decision for consumers.  They can read the comments from Tonesal5 and then read my comments and look at my website.  Then they can make a judgment call as to whether or not they would be better off getting financial advice from Tonesal5, or paying a fair fee for the information they actually need to make an educated decision about how to best resolve their financial situation.

      • Helloguest

        So you dont get the best settlements then…You charge fees when the SIF is reached. For example 20% SIF (good) plus fee of what? say 15%-20%. Now the total SIF is 35-40%. The consumer or any other DS company could have gotten 20%. Also the case load to hold out on offers, is BS. The clients will be sued by then……

      • Tonesal5

        how can a client get 20% please tell me guest and if you can prove it like steve says

      • Helloguest

        Well there is nothing for me to prove. I have not personally been in the position to settle on a debt for my personal finances. But I do have clients who came from a debt settlement company that actually did settle some of their debts for favorble rates. I can tell you I’ve seen settlements as low as 5% with BOA and 80% on a Discover litigated case. Now, the question is not can the client get 20% or lower. The real question is can the client get 50%. That is what the debt will cost with LHDR at least when their fees are included. I believe the client can at least get the 50% with less aggrivation. The debt settlement industry is dead….. It’s time to move on……

    • Joe debt jr.

      “That means its easy for them to take your money and run… LHDR IS NOT GOING ANYWHERE. TOO BIG TO DISAPPEAR ” Russ what Tonesal is saying is that “don’t worry LHDR is taking everyone of their clients money upfront so they can use that to fight their current lawsuits that they are facing even a nice big suit in their own backyard state of Illionois.

    • Angelo

      @c686889a2778e0c6c509d86677d29f7a:disqus  Take what money and run?  We dont charge a dime until we settle a debt, unlike the LHDR charging over 30% of the debt…take the money and stay is LHDR’s logic!!!  Id be willing to bet you a steak dinner that Ive had more consumers graduate my program and for less than what LHDR charged!  @russ:disqus Who has a better chance of taking your money and running?  A company that has not charged upfront fees for over 3 years or …well, just read ALL the negative comments on this and every other site about LHDR and I think the answer is clear.  

      • Tonesal5

        yea they charge 30%  give me a break

  • Angelo

    Russ, a quick search on this site and you will clearly see what many of us feel about LHDR.  There are plenty of companies out there that can help you without the high upfront costs associated with the attorney model debt settlement companies and choosing the right one is easy if you ask these 10 questions.  The members of the newwaacc.org are committed to transparency and have all agreed to display these answers directly on their websites for consumers to see.  

    1.   What is the cost of the program? 2.   What are your debt settlement program terms and conditions? 3.   What percentage of your clients settle at least some of their debt? 4.   What percentage of clients drop out before completion? 5.   For those who complete the program, what was the average length of time in the program? 6.   What is your average settlement amount? 7.   What is your Customer satisfaction rate? 8.   What percentage of clients accounts experience any legal activity for a debt that was included in the program? 9.   What percentage of clients continue to get collection calls while in the program? 10.   What are the reasons why clients have left the program before completion?

    http://www.active-debt.com/tra

    Best of luck !

  • Angelo

    Russ, a quick search on this site and you will clearly see what many of us feel about LHDR.  There are plenty of companies out there that can help you without the high upfront costs associated with the attorney model debt settlement companies and choosing the right one is easy if you ask these 10 questions.  The members of the newwaacc.org are committed to transparency and have all agreed to display these answers directly on their websites for consumers to see.  

    1.   What is the cost of the program? 2.   What are your debt settlement program terms and conditions? 3.   What percentage of your clients settle at least some of their debt? 4.   What percentage of clients drop out before completion? 5.   For those who complete the program, what was the average length of time in the program? 6.   What is your average settlement amount? 7.   What is your Customer satisfaction rate? 8.   What percentage of clients accounts experience any legal activity for a debt that was included in the program? 9.   What percentage of clients continue to get collection calls while in the program? 10.   What are the reasons why clients have left the program before completion?

    http://www.active-debt.com/transparency.html

    Best of luck !

    • Tonesal5

      LOL ANGELO YOU ARE A CROOK!!!!

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