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What Happened to Tower Legal Network? Where Did They Go?

“Dear Steve,

I worked with Tower for about 5 years. I had 6 credit cards they were settling and they were successful with 4. I paid them around $800 a month, they kept $60, and used the rest towards the debt. Initially, I had a good experience, working with the same person for several years. At one point, I changed our contribution to $500 as our situation changed drastically. When my contact person left, I began getting the run around when I called and eventually asked them for the money they had of mine and signed a release.

It’s been like 5 years since I’ve worked with them. I just received a summons for a credit card opened in 92 and last payment received in 06. We called the number provided, and they said they had never been contacted by Tower to settle, just received a letter stating they were representing us. Tower assured me that they were working diligently on the 2 credit cards that were left, but the creditor refused to settle. The balance is now $10k, we have no idea what it was originally.

We need a copy of the release from Tower. Their website gives a number to another institution that has never heard of Tower.

What can I do personally to settle this debt? We are middle class people who work our fingers literally to the bone to make it. Our income is around $110k and we can’t afford to even go to a doctor. The stress is killing me. Our insurance is crap, we’re working with a collection agency to repay medical bills that years ago–we wouldn’t have ever seen dollar amounts like that! we don’t even have medical conditions…..YET. We’re both 45, support a daughter in her last year of college in another state, have a 6 year old, and a 14 year old. It’s so frustrating to see kids with braces and people asking for the day off to take their kids to the doctor when we work hard and can’t afford it. Now this has fallen into our laps out of the blue.

Suggestion to find Tower? I can’t read the reviews of Tower on your site, only the last 50 comments, and it sure looks like I should have never gotten involved with them.

How do I get release papers from Tower to show Discover that I am no longer being represented by them? They have a letter from Tower saying that we are their client, but no letter saying that we are no longer their client.

Why are they contacting me via a sheriff at my door summons now? 6 years after our last payment?

How long do I have to act before they garnish wages?

How much can they legally garnish from my us? Can they garnish from both of our jobs, or just one?

How can I settle this debt without paying someone to do it and keep our wages in tact? My sister had her wages garnished by our local hospital for several pay periods, they took 40% of her income and living check to check, nearly lost everything.

Thanks for your time.

Tdan”

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The Answer

Dear Tdan,

Well I have some bad news. According to the BBB, it appears Tower Legal Network closed down. The BBB is reporting “According to information in BBB files, it appears that this business is no longer in business. Mail sent to the business on 08/26/2010 was returned by the U.S. Postal Service as Forwarding Order Expired.”

The website reported for Tower Legal Network by the BBB is debtfree.com and that website is still up and running.

They list their contact information as:

DebtFREE.com
700 E. Blackhawk Avenue
Suite 20
Prairie du Chien, WI 53821

Product and Sales Support
1-888-570-6010
[email protected]

Web Support
1-888-332-8373
[email protected]

Customer Service
1-888-332-8373
[email protected]

Subscription Cancellations
1-888-332-8373
[email protected]

The address happens to be the same one associated with Tower Legal Network.

The debtfree.com blog was last updated on July 22, 2011 so somebody is still active and running it.

But according to Wisconsin State records the Tower Legal Network never filed the necessary reports to keep the company in good standing. On June 14, 2011 the company was administratively dissolved by the State.

The registered agent for the company is Stacy Ann Manganiello and Anthony Manganiello is the spokesperson for DebtFree.com.

DebtFree.com is not an authorized company to conduct business in Wisconsin.

A look back into the domain records for DebtFree.com uncover that the last time the information was not hidden the administrative contact for the domain was:

John Cummuta ([email protected])
Debt-FREE & Prosperous Living, Inc.
310 Second Street
Boscobel, WI 53805

The GetDebtFree.com website is registered to:

Anthony Manganiello
601 S. Michigan Street
Prairie du Chien, WI 53821
Domain name: GETDEBTFREE.COM

Administrative Contact:
Anthony Manganiello [email protected]

My Advice

If the Sheriff is coming to your door it sounds like you are being sued for one of your old debts. For specific information on the statute of limitations or garnishment regulations in whatever state you live in you would need to consult an attorney licensed in your state.

It appears that Tower Legal Network just closed and reopened as DebtFree.com. I would suggest you contact [email protected] and ask them for your missing information. Let me know what they say by coming back here and posting a comment below.

Big Hug!

What Happened to Tower Legal Network? Where Did They Go?
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If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free.

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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.

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