Each of us lives only now, in this brief instant. The rest has been lived already. So make the most thoughtful choices you can today that will lead to a better future.
Steve's Thought of the Day
Stop drifting and hoping a magic solution will appear. Instead, you can participate in rescuing yourself. Find peace by pursuing facts through trusted advisers and research rather than the blind trust of salespeople trying to sell you something by almost any means necessary.
Steve's Thought of the Day
Make decisions to deal with your debt with logic and facts, not assumptions, and worry about what other people will think. People who judge you will soon be forgotten. Nobody thinks about anyone that much.
Steve's Thought of the Day
The world is nothing but constant change. Your life is only a perception. Choose a way out of debt based on facts, not assumptions. Do what is best for your future because those that judge you will not feed you.
Steve's Thought of the Day
Do you have a greater responsibility to repair your financial past or your financial present and future? Make good choices that allow you to tackle your debt and immediately start building your emergency fund and saving for retirement. Tomorrow will be here before you know it. Lost time is a sin.
Steve's Thought of the Day
There is no sense in wasting a perfectly good financial mistake. Instead, learn from it and do better moving forward. The past is gone. Turn and face the future now.
Steve's Thought of the Day
Those who judge you for past financial mistakes are not your friends. So don't make choices about your future out of fear of what they may think. Instead, make choices based on truth, fact, and what is best for you moving forward from today.
Steve's Thought of the Day
Don't believe everything you think. Challenge your assumptions about getting out of debt. Do what is best for you, not others.
Steve's Thought of the Day
Is it less moral to file bankruptcy or to not take action that leaves you old, broke, hungry, and dependent on others?
Steve's Thought of the Day
If bankruptcy is so bad, why did our Founding Fathers specifically include it in the U.S. Constitution as protection for financial difficulties?
Stop listening to people that say bankruptcy is a last resort. It is neither first nor last. It is a tool like credit counseling, debt settlement, and others. For the best result, you need to use the right tool for the job.
Steve's Thought of the Day
People that tell you to avoid bankruptcy want to sell you something else are repeating something they heard or do not know what they are talking about. Get the facts and then make your own decision. Don't let an unskilled script-reading commissioned salesperson make life decisions for you.
Steve's Thought of the Day
Debt problems are like fingerprints. No two are alike. A one-size-fits-all solution will give you a one-size-fits-all result. You deserve better.
Steve's Thought of the Day
You are not your debt. Your value, self-esteem, and existence should not be defined by the money troubles you may be facing right now. Debt problems are solved with proper action, not guilt, self-hatred, and disgust.
Steve's Thought of the Day
Debt is nothing more than math wrapped in emotion. The math is easy, the emotional part leads us to do impulsive things. Not the right thing.
Steve's Thought of the Day
What type of money personality do you have? It is important to know. Take my online test now and discover how you unconsciously deal with money, credit, and debt.
Steve's Thought of the Day
How much retirement savings are you willing to throw away by dealing with your old debt instead of preparing for your financial future? Find how much you will lose by making the wrong choice. Use my online debt repayment calculator now.
Steve's Thought of the Day
Does it make more sense to ask for life-altering debt advice from an unskilled and untrained commissioned salesperson in a call center or an experienced debt coach like Damon Day that provides a customized solution for money troubles?
Do You Have a Question You'd Like Steve to Answer? Click Here.
Website of Company: legalhelpers.com
Consumer Statement:
To whom it may concern Hello my name is Gary I have an issues with Legal Helpers debt resolution. on April 2010 my wife and enrolled in the program paying 846.00 per month for 40 months and be debt free from are credit card debt. After 19 payments we started getting wage garnishment from the courts we were struggling when we enrolled in the program.When we took this issuse to are representative she stated that we should file bankruptcy
Consumer Action Taken:
They gave us no other resollution. They said that we should look into bankruptcy.WE are now going though bankruptcy we could have already be though this in 2010 and saved all that money.
I just had 3 clients come to our office who were also scammed by Legal Helpers. In total they paid $30,000 in fees yet never received a settlement. It’s really tough to get your fees back from them, as our office also tried. We ending up helping 2 settle all their accounts and one we suggested filing bankruptcy. If the program payment was hard at first your best bet is filing a chapter 7. I don’t believe debt settlement payment programs should last longer than 24 months. To get your fees, I would suggest hiring an attorney who would handle your case on a contingency basis, and allow them to take part of any fees that they can recoup.
I also am being scammed by LHDR. Oct 2010 I had no options by to either file bankruptcy or stop paying credit card monthly payment. I retained LHDR costing $786 for 48 months.
Within 7 months I was in court with CITI to which I negotiated a reduced payout. After that whenever I called LHDR they continually took credit for settling that debt. Well they didnt…..I did. Now, I was just in court and currently being garnished for a Bank of America account.
 By the way, BoA is relentless and doesn’t care about people.
Searching the internet about LHDR I found many other people are also paying them with no results or assistance. They are just a money collecting machine with a bunch of smooth talkers on the phone to their clients.
I mailed a certified letter to LHDR complaining of no service or debt assistance.I requested my account with them be cancelled. In the letter I stated that I am unhappy with them and since we are 50% into the agreement timeline I wanted 50% of my money back by the April 15. If not, I will notify my Attorney General and a host of other consumer advocates. I immediately received a call from LHDR promising a check for a 60% refund to be mailed from Global Client Solutions. I expect to have that check by April 10 per their commitment.
I will let you know what happens. Because If I do not get that as promised, they will wish they never new my name. Best of Luck!
Ya, they are good at the run around. I have a client that tried to cancel after 1 month. She had to run out and put a stop payment on her bank. Then when she contacted Global Client Solutions to get the portion of her money back that was supposed to be set aside for settlements, she was told Legal Helpers already took the money out for their second payment, even though that money was supposed to be set aside for settlements only.
So basically when she cancelled and put a stop payment on her bank, Legal Helpers scrambled and took the money out of her trust account. So much for their pitch about having a third party trust account control the money when they just hand it over to Legal Helpers anyway.Â
I just had 3 clients come to our office who were also scammed by Legal Helpers. In total they paid $30,000 in fees yet never received a settlement. It’s really tough to get your fees back from them, as our office also tried. We ending up helping 2 settle all their accounts and one we suggested filing bankruptcy. If the program payment was hard at first your best bet is filing a chapter 7. I don’t believe debt settlement payment programs should last longer than 24 months. To get your fees, I would suggest hiring an attorney who would handle your case on a contingency basis, and allow them to take part of any fees that they can recoup.
Good luck!
Anisa,
Did Legal Helpers offer any response to the request for a refund?
Steve
 Anisa,
I also am being scammed by LHDR.
Oct 2010 I had no options by to either file bankruptcy or stop paying credit card monthly payment. I retained LHDR costing $786 for 48 months.
Within 7 months I was in court with CITI to which I negotiated a reduced payout. After that whenever I called LHDR they continually took credit for settling that debt. Well they didnt…..I did. Now, I was just in court and currently being garnished for a Bank of America account.
 By the way, BoA is relentless and doesn’t care about people.
Searching the internet about LHDR I found many other people are also paying them with no results or assistance. They are just a money collecting machine with a bunch of smooth talkers on the phone to their clients.
I mailed a certified letter to LHDR complaining of no service or debt assistance.I requested my account with them be cancelled. In the letter I stated that I am unhappy with them and since we are 50% into the agreement timeline I wanted 50% of my money back by the April 15. If not, I will notify my Attorney General and a host of other consumer advocates. I immediately received a call from LHDR promising a check for a 60% refund to be mailed from Global Client Solutions.
I expect to have that check by April 10 per their commitment.
I will let you know what happens. Because If I do not get that as promised, they will wish they never new my name.
Best of Luck!
Steve,
Sorry, just saw this reply. I’m still working on it but they keep giving us and these clients the run around. I will keep you posted.
Ya, they are good at the run around. I have a client that tried to cancel after 1 month. She had to run out and put a stop payment on her bank. Then when she contacted Global Client Solutions to get the portion of her money back that was supposed to be set aside for settlements, she was told Legal Helpers already took the money out for their second payment, even though that money was supposed to be set aside for settlements only.
So basically when she cancelled and put a stop payment on her bank, Legal Helpers scrambled and took the money out of her trust account. So much for their pitch about having a third party trust account control the money when they just hand it over to Legal Helpers anyway.Â