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How Do I Get My Money Back From Legal Helpers Debt Resolution? LHDR Will Not Return Our Calls. – Tiffany

“Dear Damon,

We currently are in a debt program with LHDR whom from your website I see have a class action suit against them….which doesn’t surprise me. They will not return our calls or our creditors whom they are suppose to be negotiating with calls. They have taken $6500 from us and have done nothing with our accts. Meanwhile, our $50,000 worth of debts have been sitting and are in collections now. I will add, my husband and I both took huge paycuts a year ago which caused us to seek help from LHDR. Before then, we had never had a late payment on anything. Now we are drowning.

We are unsure weather to start trying to negotiate with our creditors (approx 11 accts) and figure out a payment plan, which right now they are still asking too much as a min monthly payment and we can’t afford to make it, or if we should file bankrupsy on the accounts. Is it true we could do this just on the accts but not on our home or anything? We really are wanting to sell our home and move to another town so I’m worried our credit which now is already bad will never allow us to do this if we file. We need serious help. Also, is there any way to get the 6500 back from LHDR? We have thought of trying to get legal help to do this but don’t know if we could ever get it back.

Tiffany”

Hello Tiffany,

I am very sorry to hear that you have enrolled with LHDR. It appears you have paid a large portion of your fees already and you are unlikely to get that back. However I would encourage you to try. The big issue is where to go from here. Normally I might suggest a client try and work out a deal with the settlement company since most of the fees have already been paid. However, in the case of LHDR, I don’t see any evidence of them doing things to actually help their clients and the question becomes, does it make sense to continue paying them even more money if they clearly have only been interested in collecting fees from you and have done absolutely nothing for your accounts thus far?

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My opinion is that it does not. If you have not been happy with their service while you have fees outstanding, is it likely that their service will get better after you have finished paying all of your fees? My opinion is no, it will not.

The reality is that you can negotiate with your creditors directly and in many cases get better deals than LHDR can get. However, I am sorry to have to tell you this, but if LHDR informed your creditors that they are representing you, and I assume they did, in my opinion your chances of being sued on some of these cards is now significantly increased. Based on the evidence that I have seen over the last few years, I am of the opinion that enrolling with LHDR makes it more likely that you will be sued by your creditors than if you simply did nothing during the same 12 to 18 months. Unfortunately we cannot change what has happened and we just have to play the cards that LHDR has dealt to you.

Now if they are trying to convince you that they will represent you in court if you are sued, please be aware that they purposefully built in several loop holes into their contract to allow them to get out of having to actually fulfill that promise. Please see my article here.

To answer all of your questions about settlement vs bankruptcy and where to go from here, I would need to know much more about your overall situation. I think it is unlikely you will see a refund from LHDR because most of that money went to the sales affiliate and the servicing company. However, I encourage you to try if you feel that you have been wronged. If they do not offer to make things right, then I would certainly file several different complaints including the BBB, IL AG and possibly the bar as well, depending on what you were promised during the sales pitch. If you feel you were lied to, you might even consider taking them to small claims court.

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I would take my dissatisfaction with the service directly to the principle attorneys at LHDR if you don’t get anywhere with the servicing company.

I would highly recommend you schedule a telephone consultation with me so I can look at your financial situation in detail as it stands right now. Then we can cover the prospects of continuing on the settlement path working directly with your creditors, possibly hiring a settlement company that will charge a lot less and nothing until settlements are performed, or looking into a bankruptcy option to give us something to compare settlement to.

Damon is a talented independent debt coach that provides in-depth assistance and consultations for people struggling with debt. If you want a personal debt coach to help you through a difficult situation or want assistance to find secret discounts offered by debt settlement companies I think Damon Day is an excellent person to contact for advice and assistance. He can be reached directly at DamonDay.com

If you have a debt related question you’d like to ask, just use the online form.

About the author

Damon Day

Damon Day is a talented Debt Coach who offers fee based consultations to consumers as an alternative to the typical free debt relief consultations which are nothing more than thinly veiled sales pitches lacking any real information to help a consumer make a good decision. You can learn more about how he can protect you from getting ripped off at DamonDay.com

34 Comments

  • Sorry to be critical but I don’t know why someone should subject themselves to all of that crap.  Your Legal Helpers assigned local lawyer is your lawyer.  If she won’t answer your calls, go to the bar.  If she won’t justify her fees, go to the bar.  If she took all your money and won’t give it back, go to the bar.  Anything else is a waste of time.

  • I am a previous employee of Nationwide Support Services, one of the many companies that does the back end work for LHDR. I left the company after the law changes because although prior to that point I could honestly say that I felt we were helping more people than not, after it became a race for as much cash as could be pulled in as quickly as possible in my opinion.

    A few comments.

    First to Tiffany,

    The suggestion I would give is to contact LHDR (whichever servicing company you are with) and threaten to file an AG and BBB complaint if you do not receive a refund. Per policy the first person will attempt to talk you out of it and then if you persist either transfer you to someone or offer to have them call you back. That person will once again try to talk you out of it and then start hitting you with reasons that you are not due one because of the work done and the contract. If you are persistent at this point you have a decent chance of getting at least a partial, if not a full refund back. That is unless they have severely changed their policies in the few months since I left.

    Regarding Tonesal5’s comments,

    While I will never agree with anyone who says that debt settlement never works or that nationwide never did because I have seen the positive results first hand no one who is close to the industry can legitimately believe that concerns like this are not real. There are far to many which mirror this one to believe that. Furthermore, the companies know it. The fact is that debt settlement servicing companies are facing a major issue right now. They had a boom in enrollments for about a year before the laws changed and at the same time severely increased there employee levels. After the law changes they saw enrollments drop to non existent levels for about a three month period and have yet to see them actually rebound to the pre-Oct. 27th levels. This has caused many to lay off employees thus limiting the number of people on the phones available to help clients. Unfortunately what I have seen is that since the law changes they are more concerned with how they can bring in revenue than actually helping the clients. That is just simple fact and no amount of attempting to discredit this site will change that fact.

  • I am a previous employee of Nationwide Support Services, one of the many companies that does the back end work for LHDR. I left the company after the law changes because although prior to that point I could honestly say that I felt we were helping more people than not, after it became a race for as much cash as could be pulled in as quickly as possible in my opinion.

    A few comments.

    First to Tiffany,

    The suggestion I would give is to contact LHDR (whichever servicing company you are with) and threaten to file an AG and BBB complaint if you do not receive a refund. Per policy the first person will attempt to talk you out of it and then if you persist either transfer you to someone or offer to have them call you back. That person will once again try to talk you out of it and then start hitting you with reasons that you are not due one because of the work done and the contract. If you are persistent at this point you have a decent chance of getting at least a partial, if not a full refund back. That is unless they have severely changed their policies in the few months since I left.

    Regarding Tonesal5’s comments,

    While I will never agree with anyone who says that debt settlement never works or that nationwide never did because I have seen the positive results first hand no one who is close to the industry can legitimately believe that concerns like this are not real. There are far to many which mirror this one to believe that. Furthermore, the companies know it. The fact is that debt settlement servicing companies are facing a major issue right now. They had a boom in enrollments for about a year before the laws changed and at the same time severely increased there employee levels. After the law changes they saw enrollments drop to non existent levels for about a three month period and have yet to see them actually rebound to the pre-Oct. 27th levels. This has caused many to lay off employees thus limiting the number of people on the phones available to help clients. Unfortunately what I have seen is that since the law changes they are more concerned with how they can bring in revenue than actually helping the clients. That is just simple fact and no amount of attempting to discredit this site will change that fact.

    • Sorry to be critical but I don’t know why someone should subject themselves to all of that crap.  Your Legal Helpers assigned local lawyer is your lawyer.  If she won’t answer your calls, go to the bar.  If she won’t justify her fees, go to the bar.  If she took all your money and won’t give it back, go to the bar.  Anything else is a waste of time.

  • After the last flurry of Tonesal5 nonsensical responses I’ve decided to block Tonesal5 from the comments.

    While I always welcome an elevated conversation about topics, after giving Tonesal5 a very wide latitude to bring some value via comments, Tonesal5 is not adding any value or content Tonesal5 has been able to back up with verifiable facts. Instead the comments have been without added value and merit.

    If Tonesal5 wishes to be reconsidered for commenting then I would first welcome a well sourced, factual and approved guest post of at least 1,000 words from Tonesal5 to lay out Tonesal5’s point of view so we can finally understand what in the world Tonesal5’s point might be.

    Tonesal5, you will need to submit the guest post with your real identity to be considered as a credible source.

  • LOL its bad to put names online but i dont work for lhdr sorry to burst your bubble. If you ask me I think the industry will go down because of big banks

  • LOL just because someone backs LHDR they automatically work for them… Hmmm seems like noone can have a good experience without you talking crap about them

  • Tiffany, there’s only two places you can hope to get on an even playing field with someone hiding behind a law license.  The state bar and the courts.  I would immediately file a grievance against the lawyer who claims to be representing you.  I would also try to find a lawyer willing to pursue a refund for you on terms you can meet.  I don’t normally recommend pro se representation in court but if you have no other option, at least sue in small claims to the limit of their jurisdiction.

  • Tiffany, there’s only two places you can hope to get on an even playing field with someone hiding behind a law license.  The state bar and the courts.  I would immediately file a grievance against the lawyer who claims to be representing you.  I would also try to find a lawyer willing to pursue a refund for you on terms you can meet.  I don’t normally recommend pro se representation in court but if you have no other option, at least sue in small claims to the limit of their jurisdiction.

  • Tonesal5, I take it you are just a sales rep and have no manager title or executive title at LHDR am I correct? Of course I am because anyone with higher authorities wouldnt allow someone like you to speak on LHDR behalf on these blogs and make a fool out of LHDR, but than again dont stop because you are doing a great job making LHDR look bad on here which you really you didnt have to because they are being SUED by Illinois right now.

  • Tonesal5 soon you will be looking for work so you should pray pray that LHDR don’t get shutdown by The State of Illinios. You shouldn’t be upset at anyone one here sharing positive information that can help consumers determine what is best for them when it comes to not only making financial decisions about resolving the debt issues but also being able to base some of the opinions to make sure they are working with ethical companies. I know who you should really be upset at, LHDR for allowing them to screw the consumers over and now getting sued by Illinois and other states. If you are a lead buyer would you buy leads from a company that is being sued by another company that bought leads from them?

  • My business is my name.  Speaking of names, why don’t you share with all of us what yours is?  It is pretty easy to hide behind a screen name and throw bombs, but why don’t you stand up and let us know who you are and what you do?

  • you promote bk attorneys lhdr is a bk attorney am pretty sure lhdr taken money out of your pocket… Its alright steve keep up the website cause this is your only source of income.

  • LOL yea Damon…. am still waiting to hear update on that. Damon if someone wanted money back from you whats the name of your business?

  • Maybe someone should tell the Attorney General in Illinois that Tonesal5 thinks all of the complaints are fakes.  They filed a huge lawsuit against Legal Helpers Debt Resolution over all of these so called fake complaints?

    Give it up Tonesal, nobody is buying your sales pitch.

  • Since I do not sell debt settlement services, how would LHDR be a competitor of mine?

    And since it is not a fake question from a reader, what evidence do you have to offer as proof that it is?

  • Another Fake article trying to bad mouth lhdr there  biggest competitor. Its ok Steve and Damon you will pull another client for the month. People should avoid this website

  • Another Fake article trying to bad mouth lhdr there  biggest competitor. Its ok Steve and Damon you will pull another client for the month. People should avoid this website

    • Since I do not sell debt settlement services, how would LHDR be a competitor of mine?

      And since it is not a fake question from a reader, what evidence do you have to offer as proof that it is?

      • you promote bk attorneys lhdr is a bk attorney am pretty sure lhdr taken money out of your pocket… Its alright steve keep up the website cause this is your only source of income. 

          • After the last flurry of Tonesal5 nonsensical responses I’ve decided to block Tonesal5 from the comments.

            While I always welcome an elevated conversation about topics, after giving Tonesal5 a very wide latitude to bring some value via comments, Tonesal5 is not adding any value or content Tonesal5 has been able to back up with verifiable facts. Instead the comments have been without added value and merit.

            If Tonesal5 wishes to be reconsidered for commenting then I would first welcome a well sourced, factual and approved guest post of at least 1,000 words from Tonesal5 to lay out Tonesal5’s point of view so we can finally understand what in the world Tonesal5’s point might be.

            Tonesal5, you will need to submit the guest post with your real identity to be considered as a credible source.

    • Maybe someone should tell the Attorney General in Illinois that Tonesal5 thinks all of the complaints are fakes.  They filed a huge lawsuit against Legal Helpers Debt Resolution over all of these so called fake complaints?

      Give it up Tonesal, nobody is buying your sales pitch.

      • LOL yea Damon…. am still waiting to hear update on that. Damon if someone wanted money back from you whats the name of your business?

        • My business is my name.  Speaking of names, why don’t you share with all of us what yours is?  It is pretty easy to hide behind a screen name and throw bombs, but why don’t you stand up and let us know who you are and what you do? 

          • LOL its bad to put names online but i dont work for lhdr sorry to burst your bubble. If you ask me I think the industry will go down because of big banks

        • Tonesal5, I take it you are just a sales rep and have no manager title or executive title at LHDR am I correct? Of course I am because anyone with higher authorities wouldnt allow someone like you to speak on LHDR behalf on these blogs and make a fool out of LHDR, but than again dont stop because you are doing a great job making LHDR look bad on here which you really you didnt have to because they are being SUED by Illinois right now.

        • Tonesal5 soon you will be looking for work so you should pray pray that LHDR don’t get shutdown by The State of Illinios. You shouldn’t be upset at anyone one here sharing positive information that can help consumers determine what is best for them when it comes to not only making financial decisions about resolving the debt issues but also being able to base some of the opinions to make sure they are working with ethical companies. I know who you should really be upset at, LHDR for allowing them to screw the consumers over and now getting sued by Illinois and other states. If you are a lead buyer would you buy leads from a company that is being sued by another company that bought leads from them?

          • LOL just because someone backs LHDR they automatically work for them… Hmmm seems like noone can have a good experience without you talking crap about them

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