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The Consumer Debt Legal Group – Scam, Complaint, Review, or Praise?

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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.
  • annoyed+fustrated

    Law Offices of Evan Kagan are now closed!! as of Jan 2012 received notice via mail!!!
    He supposedly “sold” his law practice to Sunshine Legal Group and as for credit repair/defense sold that portion to Buttermore & Associates – so in a few words or less! I did not I feel get the “DEFENSE” for my home modification nevertheless I lost $7,000 + and $5,000+ in credit card defense which went in his personal bank account! 
    Now I have to pay $1500 for bankrupcy and short sale my home!!! 

    • Zparkie2

      I have them working on a loan modification right now

      • Annoyed

        Zparkie2: Highly suggest you to not use them! They DO NOT return phone calls unless you have called them many times. YOU are better off negotiating with the bank yourself! and save the hassle of losing your money!  Im annoyed and frustrated because I could’ve saved all that money in negotiating with the bank myself! I have showed all my docs to another attorney and he stated it was also  bogus deal (their so called contract) which is NEVER signed by Evan or any attorney for that matter… check your docs! Good Luck!

  • ken

    these people are fantastic for home mortgage loan modification the process took a while (6 months) and that was because of my lender asking for new documents every other day but the 500 dollars per month I paid them plus the 1500 retainer fee was worth every penny when it was all said and done I had 40000 taken off my principle and my interest rate went from 5.99% to 3.95% so I cant complain my payment dropped 400 dollars per month and I was able to save my home after divorce they are well worth what they do.

  • Marshel

    I hired this company after they reviewed my case in detail and convinced me that there was no way I could lose with the improper practices this new mortgage company that had bought out my loan from my original lender whom went bankrupt.  I told them I could not pay them and keep up on my loan, they told me my loan had to go into foreclosure anyway for them to be able to help me that the WORST thing that could happen was I would get a loan modification by the judge when we went to court.
    I believed them since my APR was 13% on my house since the new lender, and really needed help, they didn’t even show up for court like they promised and suddenly called in last minute and I lost my house and received no foreclosure defense as they promised and a 2 week vacate notice for my home of 15 years.

    DO NOT Trust this company!!! they will lie to you to get you to pay them and they dont care if you lose your house and don’t even try to stop it, they don’t return phone calls, or do what they claim to be able to do.
    The lied to me from day one just to take over 3,000 dollars over a period of 6 months from my bank account only to lose my home, when they guaranteed I the worst that could or would happen is a loan modification.
    Great modification now my family is homeless.

  • Marshel

    I hired this company after they reviewed my case in detail and convinced me that there was no way I could lose with the improper practices this new mortgage company that had bought out my loan from my original lender whom went bankrupt.  I told them I could not pay them and keep up on my loan, they told me my loan had to go into foreclosure anyway for them to be able to help me that the WORST thing that could happen was I would get a loan modification by the judge when we went to court.
    I believed them since my APR was 13% on my house since the new lender, and really needed help, they didn’t even show up for court like they promised and suddenly called in last minute and I lost my house and received no foreclosure defense as they promised and a 2 week vacate notice for my home of 15 years.

    DO NOT Trust this company!!! they will lie to you to get you to pay them and they dont care if you lose your house and don’t even try to stop it, they don’t return phone calls, or do what they claim to be able to do.
    The lied to me from day one just to take over 3,000 dollars over a period of 6 months from my bank account only to lose my home, when they guaranteed I the worst that could or would happen is a loan modification.
    Great modification now my family is homeless.

  • INeeeeeeeeedHelp

    They are working under the belief that the CC co is the servicer & has not been harmed by the default-  !!! They say the debts are repackaged & bonded as mortgages were w AIG… It makes sense.

  • Joe_debt_jr

    softsoul, you are right, where is the proof? i want to see results!! not just random statistics. if evan kagan has a solid debt validation to prove the original creditor wrong , please post the proof so we all can see. thanks

  • softsoul1

    Ngkaragas, Although i do work for a debt settlement company,the particular one i work for is one of the few that actually does what it says it’s going to do. As far as the marketing reps that are calling potential clients..well….besides getting depositions from those contacted, i have also been on the phone listening to a sales pitch from that company (just out of curiosity of course) and confirmed EVERYTHING i have mentioned. As far as $ 500 million being eliminated…and i quote Shirley “He has been able to get rid of 500 million dollars worth of debt”…Implying that HE… (Evan Kagan)…not “attorneys” have been able to rid the debt,and yes..i’m sure that “attorneys” have rid $500 (if not more) in debt THROUGHOUT the United States..there are alot of “attorneys”. As far as the credit issue..of course it hurts the consumers credit score,but at the time we talk with them (and are VERY upfront with that) most people have been put in a position where getting out of debt comes first and they realize that rebuilding a score will take time and effort but believe it’s insane to make a payment with less than half going towards the principal than buying medication or whatever else they might need. I understand that alot of people have gotton themselves where they are by needless spending..but others have not. People should realize that debt settlement (and i know that there are companies that don’t care about the clients future..i get that) is a hardship…not a way to try to get out of a debt they created, quickly and cheaply..and yes,some people do have to file for bankruptcy while in the program…BUT…(from what i’ve seen)…it is because the circumstances in THEIR life continued to downward spiral. Throughout this whole blog and others about Evan Kagan, i have only asked for proof that he does what he says he’s going to do…although i’m just an average guy…show me that he took a major creditor to court and won on the basis that they could not prove the validation of the debt, show me where he sued the “original” creditor for violations of the FDCPA. Thats all i’ve ever asked for. I also have read on other blogs that he is now in a little trouble legal wise (just recently)..is this true…or just a bad information…again….just asking.

  • Ngkaragas

    Softsoul, I would like to answer your questions about the attorney refferal service, the telemarketing company making the calls. 1. You asked how do they know a potential client is with a debt settlement company, and the answer is we do not know if someone if with a debt settlement or any other third party program, WE HAVE NO IDEA WHO A POTENTIAL CLIENT’S CREDITORS ARE UNTIL THAT PERSON VOLUNTEERS THE INFO PERIOD!….2.) you asked how do we know someones personal info like socail security number and other info, the answer to that question is, WE ABSOLUTELY DO NOT HAVE ANY PROSPECTIVE CLIENT’S PERSONAL INFORMATION LIKE SOCIAL SECURITY NUMBERS AND DATE OF BIRTH! THE ONLY THING WE HAVE IS A NAME, PHONE NUMBER AND ADDRESS!3.) You wanted to know where the Attorney Refferal Companies for the Consumer Debt Legal group get there leads, the answer is A LEAD BROKER, the same lead brokers that any other telemarket company in this company would purchase leads from, where do the lead brokers get there information from? Good question, but if it was illegal, I am sure they would not be in business. And yes, Mr. or Mrs. Softsoul, attorney’s have eliminated over $500 million dollars in unsecure debt since 2005 WITHOUT HARMING THE CONSUMER’S CREDIT, how about the grimy debt settlement company you work for? Has any of your client sucessfully completed your program? Or our you guys still hoping that everyone cancels around the 8th month where you got every bit of revenue possible before your customer is taking to court by their creditors or are forced into a chapter 7 or 13 bankruptcy?Educate yourself before speaking…

  • Steve Rhode

    I interviewed Evan Kagan a while back and just have not worked my way around to the article yet.

    Maybe this will help readers. Here is what he told me when I asked him what the difference was between his site at ConsumerDebtLegalGroup.com and the site SueTheBank.info / The Center For Legal Justice at 866Bank.com which is Edward Cherry from Hess-Kennedy fame.

    Kagan said:

    “The biggest distinction between my site and suethebank.info is that I am a lawyer and my site is the website for my law firm. 866Bank is a Private Attorney Referral Company. They are not lawyers, but instead refer interested inquiries to a lawyer listed on their referral panel with the Florida Bar.

    Obviously, our two sites share the same web developer and it seems I will need to make some changes so that there is not any confusion in the future.

    As for the services we offer, we are a law firm actively practicing in Florida with Of Counsel lawyers in other states practicing in the area of credit card defense. We are not a “lawyer model,” we are a law firm. We are not a debt settlement company but we do submit settlement offers to our clients that arise in the ordinary course of pre-litigation or during litigation. Incidentally, no fee is charged for such settlement or negotiation. [We] defend clients when they are sued by a creditor, or begin representing them when they believe they will be sued shortly because they can not make payments to creditors. Some of these clients were in a debt settlement program and found that they were still being harassed by creditors, their credit was damaged, and in many cases they were sued.

    In the course of our representation we sue creditors for violating the FDCPA, TILA, FCRA, and ECOA. We leverage these violations to eliminate outstanding debt in addition to many other legal strategies ranging from common law contract law to sophisticated structured finance.

    While no attorney can guarantee any result we have been very successful disputing debts and getting trade lines removed from credit reports. We will sue to enforce consumers’ rights, we will sue if creditors harm our clients’ credit while legally exercising their rights, and we will defend our clients as long as possible.

    Please let me know if you have any further questions or comments.

    Regards,
    Evan Kagan

    Evan Kagan, Esquire
    Law Offices of Evan S. Kagan, P.A
    555 SW 12 Avenue, Suite 210A
    Pompano Beach, FL 33069

  • softsoul

    Very good point “The Bulb”….Hess Kennedy is a perfect example. As well i would LOVE to see some docs showing me a little proof. As a little insight to Evan Kagan, when the marketing company calls a client…i would love to know a couple of things….1) How would they know the potential client is ALREADY in a debt settlement program..2) How is it that when they speak to the potential client, they already know what creditors they owe and how much they owe as well as S.S. # and other personal info. 3) Where did they ” buy ” their leads from.. the credit bureau…maybe…OR perhaps from someone that USED to work in South Florida for a particular company. I’m just throwing this out there….but….isn’t it illegal to SELL someone’s information ??? And as far as being able to “get rid of 500 million” worth of debt…..really…..i mean….really !!!!!

  • The Bulb

    Thanks Shirley.

    So, Consumer Debt Legal Group is more of a specialty service with a narrow focus on dispute resolutions, or are they marketed as a blanket approach for consumers to resolve debts they can no longer afford to pay?

    I only ask this question, in this way, as some of what you state smacks with similarities to now defunct programs such as Hess Kennedy & CLC as well as CCDN.

  • Shirley

    Hello Bulb, In May 2009, President Obama signed the Credit Card Accountability, Responsibility, and Disclosure Act 2009. The law is considered to provide the most sweeping changes since the Truth in Lending Act of 1968. Some of the law went into effect August 2009. Credit Card Companies have to notify you 45 days in advance of increasing your interest rate, changing fees, (which now have caps) or whenever they plan to make any other significant changes to your credit card account. Companies can not increase the interest rate of a new account for the first year. The attorney has the experience in fighting the credit card companies. He/she will investigate your debt and will notify your debtor that there is an investigation and they are not allowed to contact you. A lot of the time they continue to contact you; that is when the attorney will threaten a law suit. Prior to working with this attorney I had a problem with Wells Fargo. I made my payment on line on time; however Wells Fargo said that I made the payment after the cut-off time period. I contacted the FDIC which then submitted it to the OTC and told me that until the investigation was over I was not to make any payments and I wouldn’t be charged any penalties or interest. Approx. a month later Wells Fargo sent me a letter removing the charges an apologized for any inconvieniences. I know that you can fight a lot of the credit card companies you just have to keep the original agreement and or payment records.
    Even if you don’t have the original agreement the Credit Card company will or should have it. If not guess who wins? (You) ;)

  • The Bulb

    Hi Shirley,

    Could you please provide some examples of the types of contract breach that are found?

    What exactly is the process for dealing with the outstanding debt once the breach is discovered?

    How exactly are derogatory marks kept off of my credit report?

  • shirley

    BBB Reliability Report for

    Law Office of Evan S Kagen, P.A.

    A BBB Accredited business since 07/09/2010.BBB Rating A

    This company offers the best way to get rid of credit card debt. The attorney’s examine the initial contract with the credit card company then find the breach. He has been able to get rid of 500 million dollars worth of debt. In addition he makes sure that the credit card company doesn’t put any derrogatory strikes with the (3) reporting agencies. In addition if you were scamed by a debt consolidation company they can help get your money back.

  • shirley

    BBB Reliability Report for

    Law Office of Evan S Kagen, P.A.

    A BBB Accredited business since 07/09/2010.BBB Rating A

    This company offers the best way to get rid of credit card debt. The attorney’s examine the initial contract with the credit card company then find the breach. He has been able to get rid of 500 million dollars worth of debt. In addition he makes sure that the credit card company doesn’t put any derrogatory strikes with the (3) reporting agencies. In addition if you were scamed by a debt consolidation company they can help get your money back.

    • The Bulb

      Hi Shirley,

      Could you please provide some examples of the types of contract breach that are found?

      What exactly is the process for dealing with the outstanding debt once the breach is discovered?

      How exactly are derogatory marks kept off of my credit report?

      • Shirley

        Hello Bulb, In May 2009, President Obama signed the Credit Card Accountability, Responsibility, and Disclosure Act 2009. The law is considered to provide the most sweeping changes since the Truth in Lending Act of 1968. Some of the law went into effect August 2009. Credit Card Companies have to notify you 45 days in advance of increasing your interest rate, changing fees, (which now have caps) or whenever they plan to make any other significant changes to your credit card account. Companies can not increase the interest rate of a new account for the first year. The attorney has the experience in fighting the credit card companies. He/she will investigate your debt and will notify your debtor that there is an investigation and they are not allowed to contact you. A lot of the time they continue to contact you; that is when the attorney will threaten a law suit. Prior to working with this attorney I had a problem with Wells Fargo. I made my payment on line on time; however Wells Fargo said that I made the payment after the cut-off time period. I contacted the FDIC which then submitted it to the OTC and told me that until the investigation was over I was not to make any payments and I wouldn’t be charged any penalties or interest. Approx. a month later Wells Fargo sent me a letter removing the charges an apologized for any inconvieniences. I know that you can fight a lot of the credit card companies you just have to keep the original agreement and or payment records.
        Even if you don’t have the original agreement the Credit Card company will or should have it. If not guess who wins? (You) ;)

      • The Bulb

        Thanks Shirley.

        So, Consumer Debt Legal Group is more of a specialty service with a narrow focus on dispute resolutions, or are they marketed as a blanket approach for consumers to resolve debts they can no longer afford to pay?

        I only ask this question, in this way, as some of what you state smacks with similarities to now defunct programs such as Hess Kennedy & CLC as well as CCDN.

      • softsoul

        Very good point “The Bulb”….Hess Kennedy is a perfect example. As well i would LOVE to see some docs showing me a little proof. As a little insight to Evan Kagan, when the marketing company calls a client…i would love to know a couple of things….1) How would they know the potential client is ALREADY in a debt settlement program..2) How is it that when they speak to the potential client, they already know what creditors they owe and how much they owe as well as S.S. # and other personal info. 3) Where did they ” buy ” their leads from.. the credit bureau…maybe…OR perhaps from someone that USED to work in South Florida for a particular company. I’m just throwing this out there….but….isn’t it illegal to SELL someone’s information ??? And as far as being able to “get rid of 500 million” worth of debt…..really…..i mean….really !!!!!

      • http://GetOutOfDebt.org Steve Rhode

        I interviewed Evan Kagan a while back and just have not worked my way around to the article yet.

        Maybe this will help readers. Here is what he told me when I asked him what the difference was between his site at ConsumerDebtLegalGroup.com and the site SueTheBank.info / The Center For Legal Justice at 866Bank.com which is Edward Cherry from Hess-Kennedy fame.

        Kagan said:

        “The biggest distinction between my site and suethebank.info is that I am a lawyer and my site is the website for my law firm. 866Bank is a Private Attorney Referral Company. They are not lawyers, but instead refer interested inquiries to a lawyer listed on their referral panel with the Florida Bar.

        Obviously, our two sites share the same web developer and it seems I will need to make some changes so that there is not any confusion in the future.

        As for the services we offer, we are a law firm actively practicing in Florida with Of Counsel lawyers in other states practicing in the area of credit card defense. We are not a “lawyer model,” we are a law firm. We are not a debt settlement company but we do submit settlement offers to our clients that arise in the ordinary course of pre-litigation or during litigation. Incidentally, no fee is charged for such settlement or negotiation. [We] defend clients when they are sued by a creditor, or begin representing them when they believe they will be sued shortly because they can not make payments to creditors. Some of these clients were in a debt settlement program and found that they were still being harassed by creditors, their credit was damaged, and in many cases they were sued.

        In the course of our representation we sue creditors for violating the FDCPA, TILA, FCRA, and ECOA. We leverage these violations to eliminate outstanding debt in addition to many other legal strategies ranging from common law contract law to sophisticated structured finance.

        While no attorney can guarantee any result we have been very successful disputing debts and getting trade lines removed from credit reports. We will sue to enforce consumers’ rights, we will sue if creditors harm our clients’ credit while legally exercising their rights, and we will defend our clients as long as possible.

        Please let me know if you have any further questions or comments.

        Regards,
        Evan Kagan

        Evan Kagan, Esquire
        Law Offices of Evan S. Kagan, P.A
        555 SW 12 Avenue, Suite 210A
        Pompano Beach, FL 33069

      • Ngkaragas

        Softsoul, I would like to answer your questions about the attorney refferal service, the telemarketing company making the calls. 1. You asked how do they know a potential client is with a debt settlement company, and the answer is we do not know if someone if with a debt settlement or any other third party program, WE HAVE NO IDEA WHO A POTENTIAL CLIENT’S CREDITORS ARE UNTIL THAT PERSON VOLUNTEERS THE INFO PERIOD!….2.) you asked how do we know someones personal info like socail security number and other info, the answer to that question is, WE ABSOLUTELY DO NOT HAVE ANY PROSPECTIVE CLIENT’S PERSONAL INFORMATION LIKE SOCIAL SECURITY NUMBERS AND DATE OF BIRTH! THE ONLY THING WE HAVE IS A NAME, PHONE NUMBER AND ADDRESS!3.) You wanted to know where the Attorney Refferal Companies for the Consumer Debt Legal group get there leads, the answer is A LEAD BROKER, the same lead brokers that any other telemarket company in this company would purchase leads from, where do the lead brokers get there information from? Good question, but if it was illegal, I am sure they would not be in business. And yes, Mr. or Mrs. Softsoul, attorney’s have eliminated over $500 million dollars in unsecure debt since 2005 WITHOUT HARMING THE CONSUMER’S CREDIT, how about the grimy debt settlement company you work for? Has any of your client sucessfully completed your program? Or our you guys still hoping that everyone cancels around the 8th month where you got every bit of revenue possible before your customer is taking to court by their creditors or are forced into a chapter 7 or 13 bankruptcy?Educate yourself before speaking…

      • softsoul1

        Ngkaragas, Although i do work for a debt settlement company,the particular one i work for is one of the few that actually does what it says it’s going to do. As far as the marketing reps that are calling potential clients..well….besides getting depositions from those contacted, i have also been on the phone listening to a sales pitch from that company (just out of curiosity of course) and confirmed EVERYTHING i have mentioned. As far as $ 500 million being eliminated…and i quote Shirley “He has been able to get rid of 500 million dollars worth of debt”…Implying that HE… (Evan Kagan)…not “attorneys” have been able to rid the debt,and yes..i’m sure that “attorneys” have rid $500 (if not more) in debt THROUGHOUT the United States..there are alot of “attorneys”. As far as the credit issue..of course it hurts the consumers credit score,but at the time we talk with them (and are VERY upfront with that) most people have been put in a position where getting out of debt comes first and they realize that rebuilding a score will take time and effort but believe it’s insane to make a payment with less than half going towards the principal than buying medication or whatever else they might need. I understand that alot of people have gotton themselves where they are by needless spending..but others have not. People should realize that debt settlement (and i know that there are companies that don’t care about the clients future..i get that) is a hardship…not a way to try to get out of a debt they created, quickly and cheaply..and yes,some people do have to file for bankruptcy while in the program…BUT…(from what i’ve seen)…it is because the circumstances in THEIR life continued to downward spiral. Throughout this whole blog and others about Evan Kagan, i have only asked for proof that he does what he says he’s going to do…although i’m just an average guy…show me that he took a major creditor to court and won on the basis that they could not prove the validation of the debt, show me where he sued the “original” creditor for violations of the FDCPA. Thats all i’ve ever asked for. I also have read on other blogs that he is now in a little trouble legal wise (just recently)..is this true…or just a bad information…again….just asking.

      • Anonymous

        softsoul, you are right, where is the proof? i want to see results!! not just random statistics. if evan kagan has a solid debt validation to prove the original creditor wrong , please post the proof so we all can see. thanks

      • INeeeeeeeeedHelp

        They are working under the belief that the CC co is the servicer & has not been harmed by the default-  !!! They say the debts are repackaged & bonded as mortgages were w AIG… It makes sense.

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