Credit Advocates Law Firm – 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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21 thoughts on “Credit Advocates Law Firm – Scam, Complaint, Review, or Praise?”

  1. This is not a scam. This is the way debt settlement works. You pay into an escrow account that the law firm holds…you don’t pay the credit card companies. Once you are sent to collections, then they are willing to negotiate with your or the law firm that is handling it for you. You credit takes a nose-dive during this process. This is only something you would want to do if you were facing bankruptcy. Personally, I do wish I would have done bankruptcy rather than this program because I am almost done and my credit is not great. But when you are done, your credit will go back up…the same way it would have if you would file bankruptcy. So there are benefits and disadvantages. One thing this WILL do for you though is avoid a lawsuit. I am with this particular firm and if I had been sued during this process, for no more than I am paying them now, they would have represented me…and creditors DO sue. My wife got sued years ago by Chase. So the thing to understand is that credit card companies are willing to settle when you have not been paying them, and that’s what these firms do for you. You could do it yourself. You would have to withhold all payments from the creditors for 6 months and pray you don’t get sued and then when collectors call, you can usually negotiate for 60% of the balance. Do I regret going this route? Yes, but the firm does what it says and they were honest with me (anyway) about the fact that my credit will go down…as it would if I filed bankruptcy too.

  2. This company has done nothing but steal our money for the past 12 months. They deduct $404 from our account monthly and have not settled a single debt. We still get constant calls from debt collectors, and have recently received 2 summons. When we sent them the summons, they asked if we could come up with $8,000 to avoid having our wages garnished… If we had that kind of cash handy, would we be in this program??? When we told our counselor that we are so desperate we were going to meet with an attorney about bankruptcy, she never once mentioned that this company could help with that… You’d think maybe some of the $4800 we’ve paid to them could be used for filing fees? No, instead she tried to scare us into staying in the debt management program by telling us how awful bankruptcy is (as if we aren’t already petrified). We are good people who had some bad things happen to us, which put us so far behind we were stressed to the max and couldn’t keep up. It pains us to be even considering bankruptcy as an option. This company is a bunch of liars and thieves, and we can’t get away from them fast enough.

      • I found them by searching for debt relief online. I called with questions, and since we were so desperate at the time, all of their promises sounded wonderful.

    • Just goes to show how the majority of these programs only care about your money and not what is best for you. You should absolutely consult with a BK attorney right away. Not to say that BK is the right option, as I don’t know anything about your situation, but what I can say for sure is that knowing exactly what a BK can and can’t do for you is not a bad thing and anyone that tries to scare you from even exploring it has no interest in helping you.

      • It should have been a huge red flag when we saw the fee schedule, but, as I said to Michael, being so desperate, we wanted to believe this was a better option than bankruptcy. We consider ourselves smart people, but this was, by far, our dumbest decision ever. We are filing a report with the BBB, and it looks like we aren’t the only ones. We sent in our cancellation notice to CALF yesterday, and our phone is already ringing again. Obviously they mean business when they tell you they notify your creditors that you are no longer with the program… The one promise they have kept. Can’t wait to see how long it takes to get the little funds we have left out of escrow. The bankruptcy attorney we are using has a very good reputation, and we are hoping to get things underway within the next week or 2. We just want this nightmare to end.

  3. Credit advocates law firm is a scam. They lie and they are just trying to get your personal information. They got all mine info and then played stupid like they could not help me and then they promised to email my credit report and when I called after it never came they hung up the phone after saying I was never really going to email it to you because we are not a credit report company. So why did they pull it, why did they say they would send it if they never had in intention on doing so, just to get my information I guess.

  4. It is quite clear to me that the
    comments below are from individuals who didn’t fully understand what they were
    signing up for with Credit Advocates (CA). I have been with the firm for 11
    months now and have had some fantastic results. Going into the program with CA
    (or any other debt negotiation agency) you need to understand some very
    important things.

    First, the company structures their fees to be collected in the first year or
    two of the program. This means that your monthly payments that you make will
    not be 100% allocated to direct payment of your creditors, since the fees due
    CA are part of your monthly payment. This was VERY clearly stated on the
    schedule that shows the monthly payments. All deposits, payments to creditors
    and payments to CA for fees are clearly documented in monthly statements from a
    special purpose account that is set up to handle all monies transferred. This
    account is owned by the client, so you can access it on line at any time.

    So by design CA is collecting their fees up front while the debts are aging or
    until they are charged off by the debtors. Once the accounts have been charged
    off, then CA usually have greater success at settling for less than the
    original amount. However you have to have adequate funds in your special
    purpose account before CA negotiators will attempt to settle on the accounts.
    Often settlements are less than 50% of the original debt owed. This stage is
    the hardest part of the program… at about 6 months I started to get the feeling
    that I was possibly being scammed. However CA was VERY responsive at calling me
    back, reassuring me and they kept things moving forward. Since I had a total
    debt over $110K it was very scary.

    This again is how debt negotiation works… this firm is not consolidating debt
    into a longer term loan. There is a HUGE difference between the two. One has to
    decide if they can stomach watching their credit go to pot while all of this
    takes place. Also there is a risk that creditors could sue you and garnish your
    wages if you do not have enough reserves in your special purpose account to
    make monthly payments or to make a lump sum payment to settle the account. This
    is where being able to get some extra money from a relative or some other
    source will help keep the process moving forward much quicker than if you rely
    solely on your monthly payments into the program. That has basically been my
    strategy and within 11 months I have settled approximately 2/3 of my large
    $110k balance.

    It is also important to keep in mind that you have to be proactive in the
    process. The credit card companies are constantly changing their collection
    strategies and CA often changes course on how to attempt to settle on an
    account. For example, Discover Card negotiations can be very tricky and may
    often have better success with direct settlement with the card holder, not CA.
    In these types of cases CA does not send form letters out since that strategy
    has proven NOT to work well in most cases. Again, you must be proactive and
    engage CA on a regular basis. They will work hard for you. I am proof of
    that!!!! Currently my overall settlement percent is around 40%. When I signed
    up with CA they estimated that we would settle at around 42% so we are right on
    schedule. If all continues as planned I should be pretty much done with all CA
    fees and debt settlements within another 10 months!!!!

    • Perhaps the readers didn’t fully understand because the sales people are more interested in making a sale than informing their clients.

      You seem to be informed, but hiring a company that charges their fees upfront, which is illegal unless they are claiming some attorney loophole is a pretty horrible way to go.

      As a consumer why would you want to pay all your fees before the service is performed?

    • The math just does not add up and all the experience and reports demonstrate that delaying settlement by draining available money with front loaded fees simply leaves the consumer in a more harmed situation.

      The sooner debts are settled, the less the balances creep up and the lower chance of getting sued.

      There is no advantage it putting company profit ahead of settling the accounts quickly.

  5. I have been dealing with this company credit advocates and all the stories sound very similar none of my creditors have received the so called letter. Also they tried to put 6 additional creditors on my account that I never had an account with, but i caught it and had them removed. i am giving them one more month to show me where my money is going. Then if I get no answer THEY WILL PAY ME BACK ALL OF MY MONEY FOR BREACH OF CONTRACT

  6. I signed with Credit Advocates Law Firm since 5 months ago and I am concern because I am paying a monthly fee $474.00 to this company but the balances of the credit cards under the agreement are increasing and the feed back from the firm is very poor. Please let me know what can I do to resolve this situation.

  7. I signed with Credit Advocates Law Firm since 5 months ago and I am concern because I am paying a monthly fee $474.00 to this company but the balances of the credit cards under the agreement are increasing and the feed back from the firm is very poor. Please let me know what can I do to resolve this situation.

  8. Recently I left an 11 yr relationship, lost my job, I started to get behind & the Credit Card Calls, fees were putting me over the edge. I found Fast Track known as Credit Advocates/Global Client Solutions online. Started back to work making 3/4 less salary. I needed Help (venerable). They promised to contact my creditors. They took two payments of 393.06. I viewed my account online. They were taking large fees from money sent and 99.00 were left. I called my Account Manager never contacted me back after numerous calls. The next time I called they were answering by another name. RED FLAG. I requested to talk to a Supervisor. A Supervisor called me mentioning a 3400.00 fee that I never agreed to. They didn’t have anything in about in paperwork I signed. I said you can add anything can’t you and complained. I knew I was scammed. I went to my bank to close my account of 20 years and headed to the Police Department to report Fraud. They have ruined my credit that was not ruined when I called them. They also owe me my money back of 800.00 dollars, and then some for fraudulent activity. It’s pretty messed up that people play off of people’s hardships. I hope the company sinks in the grave soon.

  9. I have been dealing with a reputable bank and unfortunantely gone over my head and needed their services. The bank who i had a good relationship with swears they have not had any form of offer, letter, nothing, along with every other account i have gone into debt over. They keep telling me that a letter went out but i dont believe it anymore. This puts me too far over the edge now. Way to hit someone when they are down.

  10. Credit advocates is the same back office as legal helpers. They just changed the name. consult america, credit advocates, legal helpers same company run by ryan sasson, 

  11. this company is not up to there standards! we’ve been paying about $500 a month automatic deduct from our checking account after consulidating 6 of our credit cards to them and non of the credit card company recieved any payment what so ever! it feels like we are being scam big time…. we never got any statement of any of our payments, so i dont know where to money is going… this company suck ass!!!! and im cancelling my account!!!!

    • Same thing here. They promise to have accounts settled, but all they do is take $630 a month out of my account and just keep on letting my debt accumulate. They are stealing my money, and won’t ever tell give me any statements. A they keep on asking is for more money–if I had it wouldn’t I just settle my debts on my own?


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