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SilverLeaf Debt Solutions – Scam, Complaint, Review, or Praise?

Please share your experience with this debt relief company and provide your review and feedback, in the comments section below.

The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are some potential questions you might be able to provide feedback about.

  • How did you feel about the customer service experience you received?
  • Was the company easy to communicate with before or after you became a client?
  • Did the company respond to your communications promptly?
  • What were the fees charged for the services you received?
  • Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
  • Was the program successful for you and accomplish the goals you had when you entered the program?
  • Did you have a really good experience you can share?
  • Did you have a bad experience you want to share?
  • Is there any other information you’d like people to know that might be considering the services of this company?

It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. But everyone does deserve to have an opportunity to express their opinion, even the debt relief company itself, be it good, bad, or indifferent.

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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.
  • John

    These losers are out of buisness

  • Jolsen

    Dallas Citizen,

    I agree that you absolutely run the risk of being sued in a debt settlement program as outlined in this recent article http://getoutofdebt.org/27047/… .

    Debt settlement is not a program for everybody, it takes a large commitment, will power, and determination. You’re also right that clients do have the ability to contact their creditors and attempt to negotiate on their own. Clients can do the same with credit counseling and bankruptcy in which Steve has a great “Do it Yourself” section on his site http://getoutofdebt.org/catego… .

    Consumers always have the choice to either have someone assist them or do it themselves. For example, with bankruptcy you can go online, find the forms, fill them out and bypass paying an attorney $1,500 – $2,000 in fees and file the paperwork yourself. In order for that to work, it take a lot more time and knowledge to do so but you save money by doing it. You also run the risk of not filing it out correctly and having to prolong the process or get denied because you did not submit the info that was required.

    I agree that credit counseling, debt settlement, and bankruptcy is something that people can do on their own. It takes an extreme amount of discipline, patience, and self motivation. There are pros and cons to each, it is up to each consumer to decide which is right for them.

    And you are correct that we have employees that have previously worked at Credit Solutions of America. We also have employees from other debt settlement companies, credit counseling organizations, and other financial/non financial industries. Silverleaf takes a great deal of pride in having the ability to look at things “outside the box” because of the range of people we work with. We also take pride in having employees with previous experience to have seen firsthand the things that work well and also the mistakes that we can be avoided.

  • dallas citizen

    SilverLeaf = Credit Solutions = All “companies” trying to scam you out of money.

    You got into debt yourself, the only way out is to do it yourself.
    SilverLeaf, all former CSA (Credit Solutions of America) people…still making money off people in debt.

    Can you be sued…of course! They can’t stop that, no one can. Contact the creditors yourself…why pay these huge fees for something that you can get BETTER RESULTS BY YOURSELF!!!

    In case you wonder how these companies operate…they take your money and they help the people that scream the loudest. How do they help? They call the creditors and say “hello, what settlement offers do you have on XXX account.” The creditor then sends them the offer and then SilverLeaf (CSA outcasts) sends you the offer stating, “look at this fabulous offer we have!!”

    That is their model…good luck all!

  • dallas citizen

    SilverLeaf = Credit Solutions = All “companies” trying to scam you out of money.

    You got into debt yourself, the only way out is to do it yourself.
    SilverLeaf, all former CSA (Credit Solutions of America) people…still making money off people in debt.

    Can you be sued…of course! They can’t stop that, no one can. Contact the creditors yourself…why pay these huge fees for something that you can get BETTER RESULTS BY YOURSELF!!!

    In case you wonder how these companies operate…they take your money and they help the people that scream the loudest. How do they help? They call the creditors and say “hello, what settlement offers do you have on XXX account.” The creditor then sends them the offer and then SilverLeaf (CSA outcasts) sends you the offer stating, “look at this fabulous offer we have!!”

    That is their model…good luck all!

    • Jolsen

      Dallas Citizen,

      I agree that you absolutely run the risk of being sued in a debt settlement program as outlined in this recent article http://getoutofdebt.org/27047/considering-debt-settlement-get-informed-about-being-sued-and-how-to-deal-with-it .

      Debt settlement is not a program for everybody, it takes a large commitment, will power, and determination. You’re also right that clients do have the ability to contact their creditors and attempt to negotiate on their own. Clients can do the same with credit counseling and bankruptcy in which Steve has a great “Do it Yourself” section on his site http://getoutofdebt.org/category/diy-do-it-yourself .

      Consumers always have the choice to either have someone assist them or do it themselves. For example, with bankruptcy you can go online, find the forms, fill them out and bypass paying an attorney $1,500 – $2,000 in fees and file the paperwork yourself. In order for that to work, it take a lot more time and knowledge to do so but you save money by doing it. You also run the risk of not filing it out correctly and having to prolong the process or get denied because you did not submit the info that was required.

      I agree that credit counseling, debt settlement, and bankruptcy is something that people can do on their own. It takes an extreme amount of discipline, patience, and self motivation. There are pros and cons to each, it is up to each consumer to decide which is right for them.

      And you are correct that we have employees that have previously worked at Credit Solutions of America. We also have employees from other debt settlement companies, credit counseling organizations, and other financial/non financial industries. Silverleaf takes a great deal of pride in having the ability to look at things “outside the box” because of the range of people we work with. We also take pride in having employees with previous experience to have seen firsthand the things that work well and also the mistakes that we can be avoided.

      • John

        hey jordon go to hell you fruit cup

  • Steve Rhode

    Excellent advice. And if anyone wants some free help with a DIY Debt Settlement you can get free help in the GetOutOfDebt.org forum section just for this.

  • Heather

    You have to suck it up and get on the phone. It isn’t easy, but YOU are far more reliable and care a lot more about your debt than some young kid in a call center decorated up as a law office. We closed our account with Silverleaf, and within 3 days had a working relationship with all 6 of our creditors. We were able to negotiate down to about 50% on each — even the ones that sued us. We learned that attorneys and collection agencies will not offer you something that you don’t ask for. ASK. We also learned that they are far more willing to work with you than we thought. Don’t expect to make friends with them – they can be manipulative, but for the most part they just want to get the process started. Start LOW and go from there. Don’t be afraid to tell them that you cannot afford what they are asking for. Also don’t be afraid to tell them that you have other creditors that you are going through the same thing with and you only have so much money to divide up amongst them all. It’s the truth. None of us are trying to get away with anything, we all just want this nightmare to be over with, and we know that a lot of debt can be written off by them. I was so ashamed that I allowed myself to get sucked into a debt resolution company and lost thousands of dollars, but when I started doing the work myself I realized that I’m not alone. The best thing you can do is to take responsibility for your debt, do the work yourself, make the calls yourself and you will come out okay in the end. Some kid on the other end of the phone has no concern if you get sued. They aren’t out anything and THEY STILL GET PAID. They tell you not to talk to the creditors and they will handle everything for you, but they DO NOT. They make you feel like they “have your back” but they don’t. You need to have your own. Good luck!

  • Ploh20

    Dear Jama38,
    Can you tell me how you went about settling your own debts with the credit card companies. I received a call yesterday from Silverleaf and after reading these issues that people are having, I am having second thoughts. I have not signed anything yet with them, so your prompt response would be greatly appreciated.

    Thanks,

  • Jolsen

    Heather,

    Looks like we have been missing each other, I left you another voice mail yesterday and sent you an email. Please give me a call at 214-431-5963.

  • Heather

    Email sent on 3/1. No response from Jordan or Ashley.

  • Jolsen

    Heather,

    I am very sorry to hear about this situation. I will help out in any way possible to make sure you receive the level of service you deserve. Please contact me at jolsen@silverleafdebt.com or at 214-431-5963 and I will personally work with you to resolve this issue.

    Here to help,

    Jordan Olsen
    Vice President

  • Heather

    I placed six cards with Silverleaf almost a year ago. We have been SUED on three of them. One is in litigation, so I evidently have to negotiate that one myself now, according to the Silverleaf Rep. Out of the six, only ONE has been negotiated, and I am paying THE FULL BALANCE on it. Another one just put a LEIN ON MY HOME. I trusted them to help me – had I known that they were not going to be contacting my creditors as promised, I would have been trying to negotiate them on my own and probably would not have been sued. When we went to court to file our response on the first summons, we called them to ask how to do it – we chose them because they are a LAW FIRM. They didn’t know, wouldn’t give advice and wouldn’t tell me who to get the help from. Turns out, I could have called the creditor’s attorney, asked for an extension, and saved the ALMOST EIGHT HUNDRED DOLLARS it cost us to file. That money was thrown away and could have been used toward our debt. I went six months before they even offered me the info to Prepaid Legal, WHICH I AM ENTITLED TO AS A PART OF MY MEMBERSHIP.

  • Heather

    I placed six cards with Silverleaf almost a year ago. We have been SUED on three of them. One is in litigation, so I evidently have to negotiate that one myself now, according to the Silverleaf Rep. Out of the six, only ONE has been negotiated, and I am paying THE FULL BALANCE on it. Another one just put a LEIN ON MY HOME. I trusted them to help me – had I known that they were not going to be contacting my creditors as promised, I would have been trying to negotiate them on my own and probably would not have been sued. When we went to court to file our response on the first summons, we called them to ask how to do it – we chose them because they are a LAW FIRM. They didn’t know, wouldn’t give advice and wouldn’t tell me who to get the help from. Turns out, I could have called the creditor’s attorney, asked for an extension, and saved the ALMOST EIGHT HUNDRED DOLLARS it cost us to file. That money was thrown away and could have been used toward our debt. I went six months before they even offered me the info to Prepaid Legal, WHICH I AM ENTITLED TO AS A PART OF MY MEMBERSHIP.

    • Jolsen

      Heather,

      I am very sorry to hear about this situation. I will help out in any way possible to make sure you receive the level of service you deserve. Please contact me at jolsen@silverleafdebt.com or at 214-431-5963 and I will personally work with you to resolve this issue.

      Here to help,

      Jordan Olsen
      Vice President

      • Heather

        Email sent on 3/1. No response from Jordan or Ashley.

      • Jolsen

        Heather,

        Looks like we have been missing each other, I left you another voice mail yesterday and sent you an email. Please give me a call at 214-431-5963.

  • Damon Day

    I am concerned that the program they put you on is 4 years and has been explained as no interest. 4 years is much to long of a time frame for an effective debt settlement plan and in this environment is more likely than not to bring about a lawsuit at some point. I would look at other options, or creatively figure out a way to raise the money faster.

    http://GetOutOfDebt.org/Damon-

  • Aeichelberger

    Hi Mrs. Finley,
    I will have someone give you a call today to make sure you completely understand exactly how the program works and feel comfortable with everything. Also, please feel free to email me at aeichelberger@silverleafdebt.com with any further questions. We are dedicated to extraordinary customer service for each one of our clients and will help in any way possible to make sure all of our clients feel this is what they received.

    Ashley Eichelberger
    Vice President

  • SeanDSLegalPlan

    You need a better education on what you just agreed to-
    1) The time frame is APPROXIMATE. It will depend on how much you can afford to save & how good the settlements with your creditors are.
    2) Using the term “no interest” is WRONG. Interest will continue to accrue on your unpaid debts. Also, late charges & other fees may be added on. In settlement you are NOT paying your monthly agreed payments any longer, but rather saving money monthly in hope of receiving a settlement of less than the debt amount today.
    If you are this confused, you were either told something that is NOT true or you do not understand the process. I assume Jordan is still at Silverleaf. Ive met him & think a lot of him. Email him at jolsen@silverleafdebt.com and ask that a senior rep explain the process to you in detail to be sure you understand!

  • Mrsfinley

    I’m scared. I just signed on with this company to pay off my debt in 4 years with no interest. Had any of your debt been resolved by the company? I wouldn’t think so in 3 months but I’m really curious if I should back out while I’m ahead.

  • Shannafeist

    Have you received any type of refund from the company?

  • Shannafeist

    Ashley, I recently finished sending your company $3,800 to pay for fees. The total was $3,743.55 and your company still shows that I owe $2,200 in fees. As a result I have tried to contact a rep with no luck. So I have since changed closed my checking account so that no further drafts can be taken and I would like a refund of my origninal $3,800. Your company has done nothing to stop the creditor calls and when I call your reps argue with me or put me on hold for 20 minutes.

  • Ashley Eichelberger

    We are sorry that you felt your account was not taken care of correctly. Send me your contact information to aeichelberger@silverleafdebt.com and I will personally look into your account and make sure we help you in any way.

    Thanks,
    Ashley Eichelberger

  • Jama38

    This company charges astronomical fees for something a consumer can do themselves. They in no way protect or prevent lawsuits. I received notice of suit from a creditor and called to inform them. They advise they will contact the creditor. I do not trust that they do as they say they will. I only maintained a contract with them for 3 months, was out $4000 and found I was able to settle my own debts for less than half (which is what they promise), in less time, and with no out-of-pocket fees to a settlement company. Don’t be fooled.

  • Jama38

    This company charges astronomical fees for something a consumer can do themselves. They in no way protect or prevent lawsuits. I received notice of suit from a creditor and called to inform them. They advise they will contact the creditor. I do not trust that they do as they say they will. I only maintained a contract with them for 3 months, was out $4000 and found I was able to settle my own debts for less than half (which is what they promise), in less time, and with no out-of-pocket fees to a settlement company. Don’t be fooled.

    • Ashley Eichelberger

      We are sorry that you felt your account was not taken care of correctly. Send me your contact information to aeichelberger@silverleafdebt.com and I will personally look into your account and make sure we help you in any way.

      Thanks,
      Ashley Eichelberger

      • Shannafeist

        Ashley, I recently finished sending your company $3,800 to pay for fees. The total was $3,743.55 and your company still shows that I owe $2,200 in fees. As a result I have tried to contact a rep with no luck. So I have since changed closed my checking account so that no further drafts can be taken and I would like a refund of my origninal $3,800. Your company has done nothing to stop the creditor calls and when I call your reps argue with me or put me on hold for 20 minutes.

    • Shannafeist

      Have you received any type of refund from the company?

      • Mrsfinley

        I’m scared. I just signed on with this company to pay off my debt in 4 years with no interest. Had any of your debt been resolved by the company? I wouldn’t think so in 3 months but I’m really curious if I should back out while I’m ahead.

      • Anonymous

        You need a better education on what you just agreed to-
        1) The time frame is APPROXIMATE. It will depend on how much you can afford to save & how good the settlements with your creditors are.
        2) Using the term “no interest” is WRONG. Interest will continue to accrue on your unpaid debts. Also, late charges & other fees may be added on. In settlement you are NOT paying your monthly agreed payments any longer, but rather saving money monthly in hope of receiving a settlement of less than the debt amount today.
        If you are this confused, you were either told something that is NOT true or you do not understand the process. I assume Jordan is still at Silverleaf. Ive met him & think a lot of him. Email him at jolsen@silverleafdebt.com and ask that a senior rep explain the process to you in detail to be sure you understand!

      • Aeichelberger

        Hi Mrs. Finley,
        I will have someone give you a call today to make sure you completely understand exactly how the program works and feel comfortable with everything. Also, please feel free to email me at aeichelberger@silverleafdebt.com with any further questions. We are dedicated to extraordinary customer service for each one of our clients and will help in any way possible to make sure all of our clients feel this is what they received.

        Ashley Eichelberger
        Vice President

      • John

        Ashley you are a joke

      • http://DamonDay.com Damon Day

        I am concerned that the program they put you on is 4 years and has been explained as no interest. 4 years is much to long of a time frame for an effective debt settlement plan and in this environment is more likely than not to bring about a lawsuit at some point. I would look at other options, or creatively figure out a way to raise the money faster.

        http://GetOutOfDebt.org/Damon-Day

    • Ploh20

      Dear Jama38,
      Can you tell me how you went about settling your own debts with the credit card companies. I received a call yesterday from Silverleaf and after reading these issues that people are having, I am having second thoughts. I have not signed anything yet with them, so your prompt response would be greatly appreciated.

      Thanks,

      • Heather

        You have to suck it up and get on the phone. It isn’t easy, but YOU are far more reliable and care a lot more about your debt than some young kid in a call center decorated up as a law office. We closed our account with Silverleaf, and within 3 days had a working relationship with all 6 of our creditors. We were able to negotiate down to about 50% on each — even the ones that sued us. We learned that attorneys and collection agencies will not offer you something that you don’t ask for. ASK. We also learned that they are far more willing to work with you than we thought. Don’t expect to make friends with them – they can be manipulative, but for the most part they just want to get the process started. Start LOW and go from there. Don’t be afraid to tell them that you cannot afford what they are asking for. Also don’t be afraid to tell them that you have other creditors that you are going through the same thing with and you only have so much money to divide up amongst them all. It’s the truth. None of us are trying to get away with anything, we all just want this nightmare to be over with, and we know that a lot of debt can be written off by them. I was so ashamed that I allowed myself to get sucked into a debt resolution company and lost thousands of dollars, but when I started doing the work myself I realized that I’m not alone. The best thing you can do is to take responsibility for your debt, do the work yourself, make the calls yourself and you will come out okay in the end. Some kid on the other end of the phone has no concern if you get sued. They aren’t out anything and THEY STILL GET PAID. They tell you not to talk to the creditors and they will handle everything for you, but they DO NOT. They make you feel like they “have your back” but they don’t. You need to have your own. Good luck!

      • http://GetOutOfDebt.org Steve Rhode

        Excellent advice. And if anyone wants some free help with a DIY Debt Settlement you can get free help in the GetOutOfDebt.org forum section just for this.

  • Jordan

    Sorry for the delay Chris, our phone system is up and running now. I apologize that your phone call was not able to reach us. Technology is great but apparently our VOIP systems decided to overtake us all today. Please email or contact us to ensure your questions or concerns are addressed.

    Thanks,

    Jordan Olsen

  • Jordan

    It seems our phone system actually just went down. Our IT Department is on the phone with our phone company fixing it as we speak. Should be up within the next few minutes. In the meantime, please email me at jolsen@silverleafdebt.com, and I will personally call you back in the next hour.

    Thanks,

    Jordan Olsen

  • chris

    silver leaf is not reciving phone calls on either line. Just turned them into my bank due to them taking money from my account after I had already canceled my membership. Still have not recived the money back that they already took.

  • chris

    silver leaf is not reciving phone calls on either line. Just turned them into my bank due to them taking money from my account after I had already canceled my membership. Still have not recived the money back that they already took.

    • Jordan

      It seems our phone system actually just went down. Our IT Department is on the phone with our phone company fixing it as we speak. Should be up within the next few minutes. In the meantime, please email me at jolsen@silverleafdebt.com, and I will personally call you back in the next hour.

      Thanks,

      Jordan Olsen

      • Jordan

        Sorry for the delay Chris, our phone system is up and running now. I apologize that your phone call was not able to reach us. Technology is great but apparently our VOIP systems decided to overtake us all today. Please email or contact us to ensure your questions or concerns are addressed.

        Thanks,

        Jordan Olsen

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