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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Update on World Law Group..The Consumer Protection Bureau is suing them 67 million and their assets have been frozen pending the case.
“We took action today against World Law Group for an
alleged debt relief scheme that lured consumers with false promises of help
from lawyers and collected millions in illegal upfront fees,” said CFPB
Director Richard Cordray. “We are seeking to put an end to this scheme and
prevent more consumers from being harmed.”
The Bureau’s lawsuit names Derin Scott, David Klein, and
Bradley James Haskins, who control World Law Group. The lawsuit alleges that
the defendants operate through an interrelated maze of companies, including
Orion Processing, LLC, d/b/a World Law Processing, WLD Credit Repair, and World
Law Debt; Family Capital Investment & Management LLC a/k/a FCIAM Property
Management; World Law Debt Services, LLC; and World Law Processing, LLC. The
companies comingle funds and share functions, employees, and office locations
to operate the debt-relief scheme.
According to the complaint, World Law promised to help
consumers reduce their debts using a “team of attorneys,” including “local
attorneys,” that would provide legal representation and negotiate debt
settlements directly with consumers’ creditors. World Law allegedly told
consumers to stop paying their debts and instead make a single monthly payment
to the company, which its lawyers would use to negotiate debt settlements with
creditors. According to the complaint, World Law unlawfully kept many of these
payments as fees before providing debt-relief services. As a result, consumers
paid millions of dollars in illegal fees and suffered additional harms,
including being subjected to collection calls, lawsuits, late fees, and lower
credit scores.
The CFPB alleges that the World Law Group violated the
Dodd-Frank Wall Street Reform and Consumer Protection Act’s prohibitions
against unfair, deceptive, or abusive acts and practices and the Telemarketing
and Consumer Fraud and Abuse Prevention Act. Specifically, the Bureau alleges
that World Law:
* Charged
illegal upfront fees: According to the Bureau’s complaint, World Law charged
consumers thousands of dollars in fees before providing debt-relief services.
This is barred by the Telemarketing Sales Rule. In fact, the Bureau alleges
that 99 percent of consumers who enrolled in World Law’s program paid illegal
upfront fees. These unlawful fees include a $199 “initial fee” collected during
the first three months of the program, an “attorney monthly service fee” of
$84.95 per month, and “bundled legal service fees” ranging from 10 percent to
15 percent of the consumers’ outstanding debt balance, which are collected
during the first 13 months of the program.
* Made
false promises of legal representation: World Law promised that consumers would
receive local legal representation and have their debts negotiated by an
attorney. In reality, according to the Bureau, the defendants did not provide
the promised legal representation. The Bureau alleges that consumers rarely, if
ever, communicated with a lawyer and the vast majority of services
provided ̶ if services were provided at all ̶ were debt-relief services provided by
non-lawyers.
The Bureau’s complaint is not a finding or ruling that
the defendants have actually violated the law. The Court issued the preliminary
injunction because it found that the Bureau is likely to prevail and that the
public interest is served by granting the Order. The case will proceed until
the court makes a final determination or the parties settle the matter.
A copy of the CFPB’s complaint can be found at: http://files.consumerfinance.gov/f/201509_cfpb-complaint-orion-processing-llc-world-law.pdf
The full text of the preliminary injunction orders
entered by the court against the defendants is available here: http://files.consumerfinance.gov/f/201509_cfpb_preliminary-injunction-orion-processing-llc-world-law.pdf
and http://files.consumerfinance.gov/f/201509_cfpb_preliminary-injunction-order-orion-processing-llc-world-law.pdf
###
The Consumer Financial Protection Bureau is a 21st
century agency that helps consumer finance markets work by making rules more
effective, by consistently and fairly enforcing those rules, and by empowering
consumers to take more control over their economic lives. For more information,
visit consumerfinance.gov
.
Its been almost two years of taking of 349. and I have received a telephone call from my creditor wanting money. I tried to get in touch and no one answers to talk to you. I am on social security and receive 350 of which they take out their money form my account. what can I do, I also have to pay medicare 125.00 for my medical. I am at a loss of what to do. now.
I give them the worst rating and they should be ashame of their selfs.
Joyce,
It sounds like you should never have been enrolled in a debt settlement program to begin with. It sure sounds like the wrong solution for your dangerous situation. Bankruptcy would have been the much more logical approach.
I would suggest you read this guide to try and get your money back. https://getoutofdebt.org//20126/how-to-try-to-get-a-refund-from-a-debt-relief-company
My husband and I contacted a company called National Credit Card Relief. The representative stated that she was an agent that set up accounts for World Law group and that once the set up was complete, our case would be turned over to an Attorney affiliated with World Law Group in our area. After a little research on the World Law Group website, I found the name of only one attorney in our state..
Still feeling like something was rotten in Denmark, I called that attorney listed at the number listed to see if I was getting the full story. After a short conversation with him, I was surprised to find that he had NO IDEA who I was talking about and was quite upset to learn of their false statements..
I would say if is sounds to good to be true, it probably is!!
My brother and his wife just signed up with these people. They received an unsolicited call. I had a gut feeling something wasn’t right. I told my brother to check out this website. Thanks Steve. He read it this morning and was very upset. He is now in the process of trying to clear up the mess. They have only taken a small amount from him. I’m so glad I saw your website.
Hopefully your brother will learn that if you get an unsolicited call or something in the mail it is a advertising opportunity to sell you something. Not that it is in your best interest.
I would recommend that anyone considering using such a company should read the following fee guides.
The Ultimate Consumer Guide to Checking Out a Debt Relief Company Before You Sign On the Line
10 Must Do Steps to Find the Best Credit Counseling or Debt Settlement Company for You
How to Check Out a Business or Company to Avoid Getting Scammed or Ripped Off
I want to let everyone know about my situation. I was a client of World Law group since 9/2011. Like many folks during the recession I had to rely on credit cards and found myself in debt. Instead of bankruptcy which was an option for me, I chose this route. One of my creditors did recently take me to court and a non-binding arbitrary judgement was issued in favor of the plaintiff. I was not surprised, but it was interesting that the arbitrator took pity on me, stating that I thought I was being represented, but really wasn’t. The arbitrator informed me that my attorneys should have sent a reply to the initial complaint back in January. They didn’t. Of course I have terminated my relationship with them, and filed a grievance with the State Bar of Texas. One of their attorneys called me on 3/25 and not only will I be getting back all my remaining money in escrow, but ALL of my money and expenses, roughly $5000.00 You see, they got a little nervous when I stated I would be hiring an attorney, which I did.
You see, now that I am making more income than I was when I joined WLG, why would I give it to them, when I can settle on my own? Did you know that all unsecured debt can be settled for 15-25%. Also, in my county, wage garnishment is not allowed and I do not own any property in my county, so a creditor can’t seize it, even with a judgement. I wish I had been better informed. It is easy to rely on these folks when you feel like your are drowning. The lesson I learned here is to do research on the company before, take a step back and decide what is the best course of action.
Who was your Texas attorney for WLG?
At this time I am not posting any more information, for I have obtained counsel to assist me with obtaining all monies back from WLG.
World Law Group/World Law Debt is not easy to get into contact with. Their phone service is just a looped recording that does not allow contact with anyone. I have tried several times to contact my service representative but to no avail. I believe this is so they can contact you only when they want to. Very poor customer service.
I have not been pleased with World Law Group. At first, you have no problem getting in touch with them, then once they get the bulk of their money up front, trying to contact them is impossible. I have been drug to court three times, and was facing my wages being garnished and my bank accounts frozen. I received very little to no help from WLG. I just received a call from a lawyer that said they can’t get a response from WLG. When I tried to get in touch with them, I kept getting bounced around by their answering machine. Be aware, that any debt they settle, you will have to claim the part you didn’t have to pay as earned income on your taxes. They have settled a few of my accounts, but only after I called and pushed them. I will never do this again, and I will warn as many people as I can, against them.
You might want to follow my complaint process at https://getoutofdebt.org/20126/how-to-try-to-get-a-refund-from-a-debt-relief-company
This Company never answers when you attempt to contact them, they always offer to transfer you to a vm box that is full. We left 27 messages and still no return phone call. THINK TWICE BEFORE USING THIS COMPANY TO REPRESENT YOU IN A DEBT CONSOLIDATION, THEY HAVE DONE NOTHING TO ASSIST THEIR CLIENTS
This group is the worst…they actually ruined my life. I was ill and lost my job and needed brain surgery. I no longer was making money and talked to world law before any of my debt had gone to collections…signed up and gave them all my creditors information and then sent it to them. I explained since i was having brain surgery that I would be unavailable for quite some time and I wanted to make sure that they would contact my creditors. I was assured that this was taken care of. They had been taking my money for several months and when I was recovering I found I was being sued by several companies and that world law had never contacted them…even though they kept taking my money. I was told the CEO would call me and I am still waiting……My husband has now left me because of this and we are divorcing and I am being sued by all of my creditors….
Your husband divorced you because you’re an idiot. No one divorces their spouse because of this process, it’s because of other things you’re turned a blind eye to. GET A CLUE!
THIS PLACE SUCKS HORRIBLY ESPECIALLY FOR THEIR OWN EMPLOYEES
Typical. You get fired, you complain. I doubt you said anything before they fired you. Primarily because they are NOT a bad company. All of you out there complaining need to understand something. You got yourself into the debt. YOU’RE THE PROBLEM, not us. We’re trying to help you the best that we can. Sorry if things don’t always go your way. Welcome to life!
Maybe you’re the problem. Being in debt doesn’t mean having to accept being defrauded. World Law Group apparently has put the screws to a lot of people, not just ex-employees.
My husband and I signed with World Law Group….After they had made three withdrawals from our account totaling $1248.00 we decided to question when and how our creditors would be contacted. They emailed me copies of the letters, each addressed to our creditors; Since I had no proof these letters were actually mailed I decided to print them out and mail them directly. Shortly after each creditor contacted me and made settlement offers. They also added that they WILL NOT allow an agency such as this to act on our behalf, they will flat out refuse. World Law never informed us this could happen. Once of our creditors was Citibank and the other two were Chase; You cannot tell me they did not know this beforehand; We canceled World Law Group but they did not return any of our money; They did nothing but collect money and make empty promises. We were able to settle our accounts, and keep our credit. Since we did run at 90 days late which World Law only implies you should do but won’t put that in writing; In time we have a chance to build our credit number up.;.and on our terms. If you use this service you are giving your money away. Our creditors never received letters from World Law Group….only my copies;;.which means that World Law Group used those letters addressed to my creditors for the purpose of deception.
Two of our credit cards were through CitiBank and they were the first two cards to be settled (World law negotiated both direct we just had to except the offer a 35% each. ). We also have one Chase, I just received a tax form that shows that they have forgiven the entire amount. (5k).
Hopefully you realize that the forgiven debt statement you just received has nothing to do with you owing the debt. If you are solvent you will have to pay income tax on that amount.
Be sure to discuss the situation with your settlement company to understand exactly what is going on here.
As someone that works in collections I can say I have dealt with hundreds of law offices and debt negotiation companies. I find that probably 80% do not have the best interest of the debtor in mind. This company is definitely in that majority, i have tried to contact them regarding many accounts and I barely ever get them on the phone. I have left them tons of messages with no response. You may think that these are the overly misrepresented calls everyday that many say collections as harassing. However they are maybe once a week if not every other week calls. Trust me I have way to many accounts to call everyone everyday. What people do not understand that most creditors will work with you and will offer you the same payment or settlement plans we offer these companies. There are no policies where if a fake attorney calls us we offer a better deal. Save your money there are companies that will do this for free. If a company charges you large fees means they are probably not a good choice. Anyone can check for free on BBB, Google, Secretary Of State, Bar license look up for free to see if the company is reputable. There are other methods as well but I will not list them all.
Here are some more things people can do.
They can follow my two guides to evaluate their choice of any company.
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 have been working with World Law for the past few months, and I got off to a bit a of a bumpy start, but over all it has been a good experience, they are very responsive and I speak to legal assistants every few days or so…I understood the process of saving up before I could negotiate, and my phone is not ringing off the off the hook. Debt defiantly sucks for me World Law seems to be working out.
I have been working with WLG for 18 months on 9 credit cards. They have been very helpful thus far. They have settled 4 of them so far. For about the first 8 month not with not much taking place and a lot of phone calls at first. You must take the call once and give the creditor the contact info for WLG. after that just do not answer, the creditor will being to talk with WLG. There is responsibility on your part. You must send then all document that you receive on from your creditors, statements, collection letters, settlement offers, anything that you might receive. Yes, some of the accounts may go to litigation. The attorneys at WLG walk you through the process. They prepare all court documents needed through out the court process for you but you must file them. My largest amount a little over $12,000 went to litigation I had to file answers and responses a few times. Then the day of trial BOA made a settlement offer of $2000, a settlement of only about 16%. You must be patient and let the process work. Many of the comment I see appears that people tend to bail after six months in. It can be nerve racking but you must let them handle it while staying in contact with them. So what I can say is that WLG is working for me but everyone has to make their own decision.
Thank you for the feedback.
I have been with World Law since Jan 2011, paid WAY in advance trying to get the two debts done. I went to court last month and lost the case. No attorney was with me…. So now I owe the Company over 21K . My second issue is a credit card with an outstanding blance of 8400.00 dollars. So far I have over 5K in world law and have paid all the attorney fees etc, but still have to pay admin fees each month. As of this email World Law has done nothing with the credit card issue. If I quit will I be able to get my 5K that is on positive in my account?
Thank you.
Todd
If this worked for you then you were very lucky. My creditors will not deal with World Law…and while they are collecting my money, the phone calls, the letters, the late fees continued to add up. Not to mention the promise of court. Chase for instance has no issues with going to court and/or placing judgements. World Law was deceitful in claiming they sent out letter and my creditors claimed they never receivedl. I can understand maybe one saying that but not all 4. I was able to settle all my accounts for less than 50% of what I owe and 3 of 4 allowed us to keep our credit lines open and a chance to build up our ratings again; We only lost ground because of illness and high medical costs…we were surprised at how compassionate they were. Now World Law has our money ($1248) for doing nothing.
How can someone be patient when you have your paycheck being attached and still paying World law group their monthly payment.Hmm..
If you owe say $50,000. you need to know that while you are making payments to these scam artists, they are doing NOTHING about paying off your debts. You must accumulate all of the money you owe BEFORE they even begin to start negotiating payoffs. You will still get dun calls, and you will be getting summons after summons filed in your county court. AND, if you decide to quit them, if you have, say, 3000.00 into the “program” you will get a maximum of about $600. back, the rest of which they will say is is for fees. There are no lawyers in this “debt settlement” company. They are ripe for a class action law suit. On behalf of my 75yr. old father-in-law, I will contact the Attorney General’s Office on our state.
Sue
i join world law two months ago i was wondering! if you got out of it. and how how did you get out of the contract?i am a little scared.I thinking about going to CBS
Contact them and ask about the cancellation policy. Before you run to the next company, consider this.
I’d suggest you first read How to Get Out of Debt. The Honest and Unvarnished Truth and The Truth About The Success Rates, Failure Rates and Completion Rates of Credit Counseling, Debt Settlement, and Bankruptcy. They will give you a great overview of what we need to deal with to get you moving in the right direction.
Then use the free How to Get Out of Debt Calculator to review your options.
Once you’ve identified a company you want to work with, then follow my step-by-step guide on how to check out a debt relief company.
My only complaint is that they called me unsolicited and despite my being on the “No Call List” since its inception. Their response, typical of all who illegally call… they hang up on you immediately.
My only complaint is that they called me unsolicited and despite my being on the “No Call List” since its inception. Their response, typical of all who illegally call… they hang up on you immediately.
BBB Accreditation
This business is not a BBB Accredited Business.
On January 6, 2011, the BBB contacted World Law Plan to demand that the company discontinue claiming to be a BBB Accredited Business with an A+ Rating.
The company is not a BBB Accredited Business, and BBB policies prohibit false claims of accreditation.
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BBB Rating
Based on BBB files, this business has a BBB Rating of F on a scale from A+ to F.
Factors that lowered this business’ rating include:
Advertising issue(s) found by BBB.
BBB does not have sufficient information to determine how long this business has been operating. BBB made one or more requests for background information from the business. BBB has not received a response from this business and/or has not been able to verify information received from this business.
BBB does not have sufficient background information on this business. BBB made one or more requests for background information from the business. BBB has not received a response from this business and/or has not been able to verify information received from this business.
BBB Accreditation
This business is not a BBB Accredited Business.
On January 6, 2011, the BBB contacted World Law Plan to demand that the company discontinue claiming to be a BBB Accredited Business with an A+ Rating.
The company is not a BBB Accredited Business, and BBB policies prohibit false claims of accreditation.
Back to top
BBB Rating
Based on BBB files, this business has a BBB Rating of F on a scale from A+ to F.
Factors that lowered this business’ rating include:
Advertising issue(s) found by BBB.
BBB does not have sufficient information to determine how long this business has been operating. BBB made one or more requests for background information from the business. BBB has not received a response from this business and/or has not been able to verify information received from this business.
BBB does not have sufficient background information on this business. BBB made one or more requests for background information from the business. BBB has not received a response from this business and/or has not been able to verify information received from this business.