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Home > Ask The Get Out of Debt Experts > Consumer Legal Services America Took Our Money But Doesn’t Help. – Donna

Consumer Legal Services America Took Our Money But Doesn’t Help. – Donna

“Dear Steve,

We have been in debt because of medical problems and medicine. We needed help. We thought this was the answer.

We have been with Consumer Legal Services America ([email protected]) since 2009. We pay $413.00 MONTH. So far they have paid 1 bill for $450.00. Is there any way we can get back our money.

Every time we call they say that they are working on it. It’s like a broken record. Please tell us what to do.

Donna”

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The Answer

Dear Donna,

I’m sorry to say, things don’t look promising.

The Consumer Legal Services America website at visitclsa.com is currently redirected if you try to visit it and it sends you back to Google. The email domain they use of 4clsa.biz just takes you to a defunct site.

It looks to me as if they are trying to hide.

According to corporate records, Ira Frazer is the president of the company. Public records say the company is located at 6061 Greenhedge Row, La Jolla, CA 92037.

In a previous article, here, I published the email address of Ira Frazer from an employment ad. It is [email protected]

A search for additional information found an attorney, Megan McGoldrick that states she is an attorney at Consumer Legal Services America in Orange County, California. – Source

There is only one issue with that. McGoldrick is not a licensed attorney in California.

The California Bar number of Ira Frazer is #93935.

There are so many red flags going up by this point I think you need to take swift action to get your situation resolved.

Here is what I would suggest:

  1. File a complaint with the California Bar against Ira Frazer for the services you’ve received. Information to file a complaint can be found here. Filing the complaint will get attention and hopefully your money back that way.
  2. File a Complaint with the BBB. Currently the BBB gives Comsumer Legal Services America an F grade and interestingly says they are located in Nevada. You can file a BBB complaint here.
  3. You should follow my refund process I outline here.

Do all of these things at once and demand the return of all of your money since you have received no services.

If your debt problem continues then I think we are going to have to start from scratch again.

Are creditors pressuring you now?

What is your current situation with them?

Post your answers in the comments section below.

Big Hug!

Consumer Legal Services America Took Our Money But Doesnt Help.   Donna
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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.
  • Ira Frazer

    Please provide me with your mailing address and other contact information.  

    Contrary to what you have stated, you have not presented the facts fairly.  Without knowing facts, you automatically assumed we did something wrong. You did not try to act as an intermediary to help the consumer work with the company or find out what did or did not happen. You just assumed we did something wrong and rushed to judgment.  When we asked you to identify the person so we could investigate, it appears you did not initially want to cooperate.  Instead you made self-serving statements that could not be verified.

    Your comments ignore what is set out in the contract and the other information provided to the consumer.  Everything you asked for has been disclosed to the consumer from the beginning.  If only you had reviewed the contract and the facts before jumping to conclusions.  

    Before you print something about any company regarding any consumer, you should first try to get the consumer and company together to see if the situation can be resolved and to flush out what really happened.  This may bring the whole matter to a successful conclusion.  If it does not, then all of the facts are available and no one has rushed to judgment.  

    The bottom line is to help the consumer who has been crucified by banks, credit card issuers with default interest rates of almost 40%, penalties and legal fees and who has been harassed by collectors and creditors.  

    • http://GetOutOfDebt.org Steve Rhode

      I’ve asked three times but you have dodged the question each time, so what is your refund policy?

      And again with the emails? I’m just posting them here because I’ve asked you to post your communications in the comments so we can have an open and transparent public conversation. 

      I did not reluctantly withhold the email address of the consumer. She did not give me permission to release it till yesterday and I immediately forwarded it to you via email. At all times prior I had urged her to contact you or file a complaint.

      I’m not the customer service desk for your company. People write and ask for help. I answer the questions and provide a platform for a continued dialogue on the issue.

      Companies can respond with exceptional customer service, take care of the reader, and show future potential people they can depend on the company if things go wonky. 

      Of course there is the other response where companies belabor and bemoan and only drive future customers away by scaring them with their poor customer service responses. 

      As I said in a previous comment, “STOP protesting and start publicly attempting to resolve this in a positive way by stating your refund policy and respond to Donna’s comment directly and tell her about your desire to help her resolve her issue. ”

      Ira, do yourself a favor and issue a full refund to Donna and make this a good news story.

  • Ira Frazer

    Dear Mr. Rhode:

    I need to determine if you are a compassionate individual and a person who wants to do the right thing to help consumers.  You ran a story about a consumer by the name of Donna who you allege was a client of CLSA.  

    Based upon the information contained in your blog, we reviewed all of our records. This involved a serious search of our entire data base.  The information did not ring true and there is no way we would have ever treated a consumer in the manner you allege.

     Based upon the information you reported, there is no such person who matches the information contained in your blog. If there is incorrect information, please provide it so that we can contact the consumer and address the situation.  

    We work with all of our clients and deliver service.  We respond to every inquiry.  We even have helped consumers who are no longer our clients.  We are more than willing to help this consumer if they really exist.  It is also possible if this person does exist that there is a misunderstanding by the consumer.  Regardless, we will address the circumstances if they are real.  We are not like many others in the industry.  We care about the consumer.

    Unless you can supply us with the contact information, we must assume that your tip is inaccurate and you have an obligation to so indicate on your blog.  Otherwise, unless you correct the information, you would have deliberately left a message that you have reason to know is wrong.  I assume you want to do the right the thing.  Only time will tell.

    As you know, there could be people who seek to gain competitive advantage by circulating information that is false.  Some in the industry may want to harm their competition and could be using you and your blog for this purpose.  There are people who do not like me because I insist on full compliance, providing benefits to consumer and making sure that people do not steal my ideas and concepts.  Likewise, there are many people who distort or who do not understand what goes on.  Again, it could be people are using you to try to harm me with inaccurate and false information.  I am sure you do not want to be a part of this.  Again, only time will tell what your true intent is.

    Now there is the issue of compassion.  Are you willing to help those who are less fortunate than you?  Every year I ride in at least two charity bike rides to support MS.  It is one of the many ways I  give back to the community and help those who are not blessed with the same good health I have enjoyed.  This year I will ride in 2 separate events.  I am asking you and your organization to make a significant contribution to MS.  The first event is October 22nd and 23rd so that time is of the essence.  You can send me the contribution directly making your check payable to MS.  Like me, you can also make a statement that you you care about others.  You could even use your blog to help support this this worthy cause.  I contribute myself and there is no reason why you and others who read your blog could not.

    It is now up to you to see if you want to do the right thing and if you are compassionate.  Everyone is watching.

    Ira Frazer

    • http://GetOutOfDebt.org Steve Rhode

      Ira,

      Readers submit questions and use whatever name they select. They might not even be using their real name. And some questions submitted may be incorrect in some facts as those facts are provided by the questioner and not me.

      Readers that discover the question later are left to place it into context with my answer and any response from the company or others.

      Readers are smart and can digest all the information and come to their own conclusions.

      So far you’ve had three additional comments from the CLSA added to this post to clarify your position.

      It seems to me that you’d be better off just making a simple statement and stating what your refund policy is so future readers can understand what your policy is.

      You may want to provide a link where people can donate to your charitable cause as it has received free publicity here.

    • Donna

      How can Ira write to you and accuse you of me not existing just because their investigation didn’t go deep enough?

      I am not lying and nothing I told you was inaccurate. I told the whole truth. If they want to help, simply have them return our money.

      I tried to write back to Ira, but it didn’t reach the right address, I guess. I am not trying to cause trouble, but I hope no on has the same experience with CLSA, Debt Relief, or Client Solutions.
      I guess I will go, BUT I do exist and the problems are true.

      Thank You,
      DONNA

    • http://GetOutOfDebt.org Steve Rhode

      For the record. Ira, stop emailing me. If you have something to say, then say it publicly and let’s carry out the conversation in the open. 

      • http://GetOutOfDebt.org Steve Rhode

        And in response to this comment here about having a pubic discussion here is the “email” I got from Frazer even though I asked him to post communications here about this matter.

        “For the record, there is no reason to engage in a public discourse if all I have asked for is the contact information of the  person who you say exists but who is not in our data base.  There is no reason if this person exist to share their information publicly.  We are trying to help and not create an issue for this person, yet all you want to do is to throw stones.  Why?  Is your interest in helping people or in making problems for others?  Financial distress is a private matter and I for one respect privacy. Do you? Some one who is in trouble if they exist I am sure does not want to be publicly embarrassed.  The issue is clear, if there is a problem we want to address it and you are refusing to allow us to address it if it is in fact real.  All we are asking is for verification and you are refusing alleging a public attack without foundation  is better than helping.  Until the person is helped assuming there is a person public discourse is harmful to everyone.”

    • http://GetOutOfDebt.org Steve Rhode

      Ira,

      In my opinion if you would just post one comment that said what your refund policy was and your willingness to work with your customers that may have an issue, it would go a lot further to developing a positive view of your enterprise among readers. 

      What we have here is someone that wrote a question and I answered it. You say you can’t find the person and the reader says they are not getting help. I have presented both sides of this issue and I make no determination as to who is right. Your claim you have no Donna is great but just as unverifiable as Donna’s claim you are not helping.

      If I return to my answer I gave the consumer I can’t find anything inaccurate about it.

      Your website was down, I published information on how to reach you directly, and I told the consumer they could file a complaint if they wanted. A filed complaint would have given you the contact details you seek so that would have worked out for your goals. A BBB complaint would have done the same thing and you could have resolve it appropriately. Additionally I suggested to the reader they follow my refund process, the first step is to contact your group.

      But what we are left with here is more protests from CLSA that make it seem you have no refund policy and you feel there is a conspiracy against you.

      Episodes like this readers question are not disadvantages to burry, they are opportunities to show how exceptional your refund policy and customer service may be. 

      This thread was so much better ending with what Megan McGoldrick posted and her willingness to resolve the situation. But you are this turning into a PR nightmare of your own doing. 

      STOP protesting and start publicly attempting to resolve this in a positive way by stating your refund policy and respond to Donna’s comment directly and tell her about your desire to help her resolve her issue. You keep sending me emails. I’m not the person you need to communicate with, Donna is.

      • Donna

        I am the DONNA from CLSA. You can tell that Ira I do exist. Stop giving you so much crap. People like me feel good we can say something and it will be kept secret. Since I have talked to you, my husband and I have dropped CLSA. I have no idea where all the money went. If you want, go ahead and give Ira my e-mail address. I cannot find all the information you gave me. I want to Thank You so much for being so caring. When you are so down, it helps to have someone to vent to. Again, Thank You. DONNA

      • http://GetOutOfDebt.org Steve Rhode

        Donna,

        I just forwarded Ira your email address. Keep me posted on what happens.

        Steve

  • Ira Zrazer

    I need to determine if you are a compassionate individual and a person who wants to do the right thing to help consumers.  You ran a story about a consumer by the name of Donna who you allege was a client of CLSA.  Based upon the information contained in your blog, we reviewed all of our records. This involved a serious search of our entire data base.  The information did not ring true and there is no way we would have ever treated a consumer in the manner you allege. Based upon the information you reported, there is no such person who matches the information contained in your blog. If there is incorrect information, please provide it so that we can contact the consumer and address the situation.  We work with all of our clients and deliver service.  We respond to every inquiry.  We even have helped consumers who are no longer our clients.  We are more than willing to help this consumer if they really exist.  It is also possible if this person does exist that there is a misunderstanding by the consumer.  Regardless, we will address the circumstances if they are real.  We are not like many others in the industry.  We care about the consumer.Unless you can supply us with the contact information, we must assume that your tip is inaccurate and you have an obligation to so indicate on your blog.  Otherwise, unless you correct the information, you would have deliberately left a message that you have reason to know is wrong.  I assume you want to do the right the thing.  Only time will tell. As you know, there could be people who seek to gain competitive advantage by circulating information that is false.  Some in the industry may want to harm their competition and could be using you and your blog for this purpose.  There are people who do not like me because I insist on full compliance, providing benefits to consumer and making sure that people do not steal my ideas and concepts.  Likewise, there are many people who distort or who do not understand what goes on.  Again, it could be people are using you to try to harm me with inaccurate and false information.  I am sure you do not want to be a part of this.  Again, only time will tell what your true intent is.Now there is the issue of compassion.  Are you willing to help those who are less fortunate than you?  Every year I ride in at least two charity bike rides to support MS.  It is one of the many ways I  give back to the community and help those who are not blessed with the same good health I have enjoyed.  This year I will ride in 2 separate events.  I am asking you and your organization to make a significant contribution to MS.  The first event is October 22nd and 23rd so that time is of the essence.  You can send me the contribution directly making your check payable to MS.  Like me, you can also make a statement that you you care about others.  You could even use your blog to help support this this worthy cause.  I contribute myself and there is no reason why you and others who read your blog could not.It is now up to you to see if you want to do the right thing and if you are compassionate.  Everyone is watching.

  • CLSA

    You ran a story about some person called Donna and Consumer Legal Services America on your blog. CLSA has reviewed its data base and has no current client Donna. Past clients with that name have been reviewed but we have no such calls or contacts from them as referenced in your article. Please provide us with the name and contact information of the person you allege and we will be happy to look into it. If there was a problem it will be fixed. Consistent with our standard operating policy, we will of course offer any assistance we can to clients and past clients. Please also provide us with how and when this person allegedly contacted CLSA. Note contact telephone information for CLSA has not changed since 2008. Your blog needs to be corrected and I trust you will do so. CLSA addresses every issue as it arises. Given what you have provided, your tip appears to be in error. The other information you stated about CLSA in your blog i s also inaccurate and I trust you will also want to correct the record and retract it as well.

  • http://GetOutOfDebt.org Steve Rhode

    @41b79c42c9458e80705b3e95f9a80fbe:disqus I’ve just posted an update from attorney McGoldrick with CLSA who clarifies she is a Pennsylvania attorney. 
    As I said in the update, I’m hoping Megan McGoldrick will be influential in looking into your situation with CLSA and assisting you to get your money back. I’ve copied her on this comment.

    Can you give us both an update on your efforts to get the refund since your last comment?

  • Donna

    The information we have about Consumer Legal Service America is that they are located in Henderson, Nevada. I am so confused about this company. It is also hooked up with a company called Debt Relief. I think they are in Oklahoma.

    Can things get solved? Thank you for all your information. We will follow up.

    • http://GetOutOfDebt.org Steve Rhode

      If you can get me some additional information, that would be helpful.

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