Azam Law Firm Review

1307 International Parkway South, Suite 1071,
Lake Mary, FL 32746
Fax: 888-898-6210

2435 US Highway 19, Suite 290, Holiday, FL 34691
Fax: 888-898-6210


Description: Appears to be yet in another of law forms that is taking leads from marketing organizations for debt settlement services.


Managing Partner: Nishat Azam
Email: [email protected]
Practice Areas: Bankruptcy (Chapter 7 & 13), Foreclosure Defense, Loan Modification, Debt Management, Wills, Trusts, and Estates
Admitted: 2007, District of Florida; 2007, US District Court for the Middle District
Law School: Barry University School of Law, J.D., 2007
College: University of South Florida, B.A., 2003
Memberships: The Florida Bar,National Association of Consumer Bankruptcy Attorneys, National Association of Consumer Advocates
Languages: Arabic, Urdu, Hindi, Gujarati, Punjabi.

Member: Michael Snytkin


The Azam law Firm as disclosed in the lawsuit by an 88 year old retired nurse living on a pension has ties to Coastal Credit Solutions and Nulo Debt Processing. Read lawsuit here.

In addition, from this comment the Azam Law Firm is accepting client referrals from The Credit Exchange which is a referral marketing company for debt settlement services. The typical referral relationship is that the marketing group is paid per client signed up for debt settlement services.

Interesting Points

Nishat Azam appears to be getting involved in the very same debt settlement business model as did the legally sanctioned firms of Hess Kennedy in Florida and Allegro Law in Alabama. I do not know is this firm is holding all fees in trust and only taking fees as services are provided.

Of concern is the Azam Law Firm relationship with Antony Murigu who is operating both a non-profit credit counseling office (DebtWave Credit Counseling) and a for-profit debt relief office (Coastal Credit Solutions).

Nishat Azam, Esq was listed as (Legal Department) by the BBB for the Hess Kennedy & Company Florida debt settlement company that was shutdown by the state of Florida for illegal activities.

See also  Coastal Credit Solutions, Inc. Review

Nishat Azam is also referenced in the Supreme Court of Florida case Florida Bar vs Laura L. Hess where:

The respondent is offering a deceptive debt settlement scheme toclients from across the United States of America. This scheme purports to relieveconsumers of their debt burdens by negotiating down their outstanding debtobligations. In fact, the respondent’s debt settlement program operates as anadvance fee scam, designed to extract up-front fees from financially-strappedclients whether or not any useful services are performed. As shown below, clientsrarely obtain debt settlements through the respondent and end up in a far worsefinancial position. Source

In the suit it is stated “However, after complaints were filed with The Florida Bar, respondent’s employee Nishat Azam contacted most complainants and issued full refunds upon the condition that complainants “withdraw” their complaints. A copy of one of these letters is attached hereto as Exhibit 4.”

The Azam Law FIrm

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47 thoughts on “Azam Law Firm Review”

  1. I started working with these folks two years ago and have had no issues. I did some research and was very impressed with their BBB rating. I didn’t do a debt settlement, they took all my credit cards and contacted my creditors who brought my interest rates down to around 6%. I’m paying one monthly payment which is a couple hundred dollars less than what I was paying and that includes the $58.00 fee per month that they charge. My creditors are still getting paid the total amount that I owed and my credit has not been ruined as I’ve pulled my credit report three times since then, it’s lower because of all my debt (high 600’s). I have contacted these folks a couple of times via email and phone and have gotten everything taken care of and was treated in a very respectful manner. I also still get my statements from my credit cards that show my payments being made on time by them, my balances are dwindling, and my interest rate is 6%.

    The only thing I can think of is people having problems with this company has defaulted on their payment to them, which we are told at the beginning if you default, all creditors will return their interest rates and all bets are off. I have two years left and will have $56,000 in credit cards paid off. I’m glad these people are here.

  2. I had a really bad experience with AZAM.I Was told one thing and it didn’t happen you actually need a lawyer to deal with these lawyers.I had accounts taken out of my plan that wasn’t suppose to be taken out.I had creditors that wasn’t paid because they settled to fast and now my credit is worse than when i started out.I paid them $900 to screw me over.Try solving this with the creditors yourself you would come out ahead.To me its a rip off


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