Once Cloud Legal, now Paul A. Herman, PA, promised to resolve debts with 4 companies. After 12+ months, nothing had been resolved. When a progress report was requested, they could provide nothing more than the original letters to my creditors. When asked to provide evidence of registration with the Colorado Attorney General’s office (as required by Colorado law), they ignored this request. The only response to the letter we sent as directed by this website (thank you!) has been numerous phone calls attempting to convince me to continue with their program. No refund has been offered.
Consumer Action Taken:
The only response to the letter we sent as directed by this website (thank you!) has been numerous phone calls attempting to convince me to continue with their program. No refund has been offered.
Date This Problem Happened: August 2, 2011
State You Live in: Colorado
Race/Ethnicity: Hispanic or Latino
Age Range: 36-50
Total Amount of Fee Paid: $2,500
Company Name: Cloud Legal – Paul A Herman, PA
20423 State Road 7
Boca Raton, FL 33498
Company Telephone Number: 800-269-4685
Website of Company: paherman.com
Consumer Letter Attached to Complaint:
July 23, 2012
Law Offices of Paul A. Herman, P.A.
20423 State Road 7, Suite F6-4777
Boca Raton, FL 33498
After reviewing the services performed on my behalf by your company, I do not believe your actions warrant the fee in my original agreement with S. Tracy Long, dba Cloud Legal Services.
It has also come to my attention that under Colo. Rev. Stats. § § 12-14.5-201, et.seq., all debt management companies, including lawyers, must be registered with the Colorado Attorney General’s office. Furthermore, according to their website1:
“A provider must also first provide you with an education about the management of personal finance, prepare a financial analysis, and provide you with a suitable payment plan, if applicable. The materials must include a list of the creditors and whether they will participate in the plan of grant concessions.
A provider is further obligated to give you a separate disclosure including the name and business address of the provider, a notice that debt-management plans may adversely affect your credit rating or score, that plans are not suitable for everyone and there are other avenues you should ask about, that the provider may receive compensation from the creditors, and that settlement of debt may result in taxable income to you.
Until you have signed and entered into an agreement with a provider, the provider may not impose fees and charges for debt-management services. The law makes further requirements on providers with regards to fees as outlined under Colo. Rev. Stats. § 12-14.5-223.
You may cancel an agreement with a provider before midnight of the third business day after you assent to it. If a provider is not properly registered at the time you enter into an agreement, that agreement is voidable by you.”
As I have never received those items in bold above, under this Statute and based upon my dissatisfaction with the services I have received, I request a full refund of all monies paid to date by August 15, 2012. Additionally, I request that you cease all correspondence with my creditors and provide me with any and all communications you have received on my behalf from them.
Please note that my mailing address has changed and I wish all future correspondence to be sent via US Postal Service to the following:
If a full refund is not issued, a copy of my complaint will be sent to the Colorado Attorney General’s office, the Florida Attorney General’s Office, the Denver Better Business Bureau, the Federal Trade Commission, the Colorado Bar Association and the Florida Bar Association.
cc: Esquire Litigation Support
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