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Is Legal Solutions Debt Advocacy a Scam? – Sarah

“Dear Steve,

Me and my husband have been struggling with bills for years and are trying to find a solution to the problem.

We have modified our mortgage but each time we have it increases the monthly payment. We are looking for a way to get a cheaper monthly payment to help with the monthly bills/ stress.

We recieved a loan modification notice in the mail from a company called Legal solutions debt advocacy. I have tried researching the company but have had no luck. I don’t want to be scammed or ripped off. Also this company charges to modify your loan a large amount.

Are these companies safe? Or is there a better way to get a cheaper monthly payment? Or credit score is terrible but we want to fix things but can only do that if we get our monthly bills down. Thanks for any help or advice.


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The Answer

Is Legal Solutions Debt Advocacy a Scam?   Sarah

Dear Sarah,

I could not find a company called Legal Solutions Debt Advocacy but I was able to locate Legal Advocate Network ( that uses Legal Solutions Debt Advocacy as a page title and they do offer modification services.

I’d like to take a look at the material you received in the mail from the company. You can get it to me here.

Keep in mind that a company that is sending you out a mailer is sending you an advertising piece. They are trying to sell you something. Many such companies operate using commissioned salespeople who are motivated to make the sale, not offer you independent advice.

Over the years I’m amazed by the number of attorney backed modification companies that have come and gone. Some of the attorneys have been disbarred for their relationships and business practices.

I’m struck with two thing from your question. The first is that I am not convinced modifying your mortgage is the solution to your current situation.

You need to think about your financial situation in a broader context and we need to evaluate your total situation, not just focus on the mortgage.

I’d suggest you first read How to Get Out of Debt. The Honest and Unvarnished Truth, How Do I Get Out of Debt Quickly? Change Your Mindset, and The Truth About The Success Rates, Failure Rates and Completion Rates of Credit Counseling, Debt Settlement, and Bankruptcy. They will give you a great overview of what we need to deal with to get you moving in the right direction.

Then use the free How to Get Out of Debt Calculator to review your options.

Once you’ve identified a company you want to work with, then follow my step-by-step guide on what you should look for and expect from a good debt relief company.

I would recommend that anyone considering using such a company should read the following fee guides.

  1. The Ultimate Consumer Guide to Checking Out a Debt Relief Company Before You Sign On the Line
  2. How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off

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

Big Hug!

Is Legal Solutions Debt Advocacy a Scam?   Sarah
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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.
  • sassyfrass

    i received a mailer from them regarding a loan modification regarding the “National Mortgage Settlement”. I called out of curiosity and decided to at least see if i qualified or not? I asked who they sent my information to to see if I qualified and she told me “the investor–which is Fannie/Freddie”. A few hours later she called and said I do qualify to have my 6% rate reduced to a 2% rate and in addition, because the value of my home has gone down so much, I qualify for Principal Balance Forgiveness as well, wlthough she couldnt tell me how much b/c she does not determine that (the inverstor does). I was all excited unitl she told me within 5 days of hiring them to proceed, I would have to pay 1/2 of their $3500 fee upfront?? Doesn’t that sound unusual? Anyone??

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