Question:
Dear Steve,
My mom is in a lot of debt (40k).
She’s investing her money into a company called Affirmative Law PC, I’m not sure if that’s a reputable company. She’s been making payments to this company for 4 months now
Do you know if Affirmative Law Pc is legitimate or a scam?
Mar
Answer:
Dear Mar,
The scam question is always a problem for me because I never know what everybody individually defines a scam to be.
From looking at their website it appears Affirmative Law, PC is located in Texas at 11816 Inwood Road #3023, Dallas, Texas. – Source
While I’m going to take a quick look at the company, you can use one of my guides below to take a look yourself.
- The Ultimate Consumer Guide to Checking Out a Debt Relief Company Before You Sign On the Line
- How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off
I can’t disagree with what Affirmative Law says on their homepage, “Since the advent of the corporation, companies have used attorneys to negotiate financial settlements on their outstanding debts during times of financial hardship in order to remain profitable and continue doing business.” – Source
But it is also true that individuals have negotiated on their own behalf as well.
The most important issue here is not the company but if your mother logically considered all of her options and made her choice on how to proceed based on math and facts. It seems you and I don’t know that. There is a lot that goes into deciding the best way to deal with debt. We have to consider the current situation and future financial goals.
One place to compare options is with my online get out of debt calculator.
What we can’t tell from the Affirmative Law website, or at least I could not find it, is any sort of public statement about cost and success rates. Is the debt relief solution Affirmative Law is selling the least expensive solution? I just don’t know. I’d have to leave that up to you and your mother to inquire about.
A Quick Look
Here is some information I can tell you about the website or company.
The BBB gives the company an A+ rating and says they have been in business since 5-13-2013 but opened a file on them on 2-27-2012. The President of the company is Andrea Calve. The company has one review and it is a negative review.
A search of the State Bar of Texas could not find any lawyer eligible to practice law under the name Andrea Calve.
According to CorporationWiki, the company has had an on again, off again relationship with Texas.
The address given for the company on their website is 11816 Inwood Rd #3023, Dallas, TX 75244. That street address is also the location of a virtual mailbox company PostNet.
From Google Street Maps it does not appear Affirmative Law has a physical location at that address.
Companies use P.O. Boxes and virtual addresses all the time but it would be more comforting to know where the people are actually located who is managing the account.
The website for Affirmative Law has a private registration so we can’t see who owns the domain name.
It is not clear what state your mother lives in or of Affirmative Law has an attorney licensed in that state who is representing her if Affirmative Law is selling legal assistance as their homepage seems to indicate when they say, “Affirmative Law, PC is a law firm whose primary focus is financially distressed consumers.” After all, they do say they are a law firm, but who are their lawyers legally representing clients?
I think at the very least you or you and your mother should do some research, confirm this company is offering you the solution that best fits your mother’s needs as far as cost and outcome, and you are happy with whatever your own research discovers.
In closing, I did also find something about a Calve Law, PC using the same telephone number. but has a listed address of 2009 Meadow Park Drive, Princeton, TX 75407. – Source
According to LinkedIn, there is an Andrea Calve that says she is an attorney in the Dallas/Fort Worth area but I just can’t find one eligible to practice law according to this search feature with the State Bar of Texas.
However, I did find an Andrea U. Calve who is licensed to practice law in Connecticut.
I’m going to send an email to Affirmative Law and ask them to comment on this post to help answer any questions you might have.
Please post an update in the comments section below and let me know what you decide to do or discover.
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Dear Steve,
Thank you for contacting me. Affirmative Law, PC is not a scam. The address in Dallas on Inman Rd. is the current address. I am admitted to practice law in CT, TX and NM. I am listed with the TX state bar under my maiden name, Uhlman.
I appreciate your reader’s concern regarding his/her mother’s debt problem and would be happy to address his/her inquiry. “Mar” is welcome to send a message through the Affirmative Law “contact us” page so that we can schedule a call.
Sincerely,
Andrea U. Calve
Now that is the kind of answer that stands out as awesome. Thank you for responding to the reader.
Asked question about Affirmative Law.
I used Affirmative Law to help resolute my debt. They are a legit company, not a scam. But having said that, I believe there are much better options. It will take 6-7 months to get your first settlement. Those 6-7 months are stressful, because you see ZERO results. Do a research to find top debt resolution companies. This company is near the bottom of the barrel. I’d give it 2 out of 5 stars. The customer service was horrendous. They were disrespectful at times. 95% of the time you will never speak to a licensed professional just some dumb millennial who reads from a script. They did help get my debt resolved but I did much of the work. I worked 80 hours a week to bring in extra funds to pay towards the settlements. They did very little (but took full credit for it all). I’d look elsewhere if I were you. I was extremely frustrated with this company throughout the entire process. I only spoke to Andrea once or twice the whole time and she acted as if she didn’t have a clue about my account. With all the fees I paid, which amount to about 10 grand, I would have expected ALOT more than what I got in return.