Former State Trooper Wonder What to Do About Titan Legal Debt Settlement


Dear Steve,

I am a retired Arkansas State Trooper, and I am very concerned about this investigation.

I have paid Titan Legal $1,555.63 every month for about two years, and they took their fee out of the first several months of payment, so they are paid up, and all the money I am paying now is to go directly to my credit card settlements.

I just got a letter from Titan Legal stating that they were closed down about an FBI investigation.

They advised me that I should take over the paying of the cards that they agreed to take care of.

If you could, can you keep me informed about what is going on and let me know if I stand any chance of getting any of the money they have in escrow returned to me.

I have never been involved in anything like this before, and I really do not know what to do next. Still, I feel that I was taken advantage of somehow, and I need to get these cards that they took in their possession taken care of to try to repair my credit that I feel they have badly damaged.

I guess I said all I needed to say above, but I would like to get the information on the cards that they have in their possession. That way, I can continue to pay what Titan Legal was paying.

I believe that Titan Legal has made some agreements with some of my cards and is making payments according to these agreements. If I had that information, I could continue making those payments while these legal problems are worked out.



Dear Billy,

The first step would be to dog out your client agreement with Titan Consulting Group or Titan Legal Processing.

That will give you specific information on what escrow company they were using or enrolled you with. Additionally, you might be able to determine that from your bank statement or by calling your bank and see if they can determine what entity was taking the money out.

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I’m so sorry you got tangled in this mess. Unfortunately, you are not alone.

The FBI is still looking for victims of Titan Legal Processing. Click here.

It sounds as if you were sold an advance fee debt settlement program that did not comply with the Telemarketing Sales Rule when it comes to debt relief services.

The loophole some try to use to collect advance fees is what is called the attorney model. This is where the company sends someone to your home to sign paperwork and says an attorney for debt settlement services represents you.

If that sounds like what you were sold, I would look through your Titan documentation and see who the attorney in Arkansas was assigned to your case. If they can’t or won’t help you get the answers to your questions, then you might want to consider filing a complaint with the Arkansas Bar Association.

You can also follow this process to escalate your dissatisfaction.

I just recorded a podcast with Damon Day about debt settlement that seems like a good show for you to listen to and get a deeper understanding on how this process works.

Once you identify the escrow company, you can request your funds back. However, Titan may have been escrowing money themselves in an attorney trust account. This is why more investigation is needed into what the contract said.

The best way to identify your creditors is to get a copy of your consolidated credit report; you can get a free credit report at CreditKarma.

You must absolutely try to regain control over your debts because it is immaterial to your creditors that Titan Legal failed you or is on the FBI’s radar.

Your debts are still your debts.

Most people can file a Chapter 7 bankruptcy and eliminate their debts in about 90 days. The fees are usually less than $2,000. It is the fastest way out of debt, for the least amount of money, in the shortest period of time.

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Alternatively, you might want to make arrangements with your creditors directly, but you would be walking into a mess. It would probably be prudent to at least discuss with Debt Coach Damon Day on how to proceed. A concern I have is if debt settlement makes any sense if there is any concern about having enough money on hand for retirement.

Please come back and update me with what you uncover as you move forward with this.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

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