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I Saw an Ad on TV for Consolidated Credit that Led to National Legal Systems. – Ryan

“Dear Steve,

I have more than $30,000 in credit card debt and am behind on my payments. I need help!

I saw an ad on TV for Consolidated Credit services as I have credit card debt I need help with.

For one reason or another I didn’t qualify for there program and they referred (they actually transfered my call) to a company called National Legal System based in NH and they offer a debt settlement program. Everything they said sounds great except for the crazy fees they are charging.

They charge 16% of the debt, $49.99 as a monthly fee and than also $699 for an admin legal fee? It sounds like I have to pay a ton of money to them right away before they even settle off any of my accounts. I noticed they have an A rating with the BBB and no complaints. Would you recomend a company like this? And do I really need attorneys to help me?


Dear Ryan,

National Legal System is also known as National Legal Support Systems and National Legal Center. – Source

I have to admit that before you mentioned their name I had not heard of them before. So my comments are just in general.

After covering the debt relief world for a number of years I think the evidence is in that anyone that asks you to pay advance fees for debt settlement services, in my opinion, does not have your best interests at heart. A delay in settling debt by losing initial deposits to advance fees can lead to bigger issues with your creditors.

It seems only fair and reasonable, and that’s what the Federal Trade Commission concluded as well when the developed the new Telemarketing Sales Rules for debt relief, that debt settlement providers should be paid as they deliver actual settlements.

You do not need an attorney to settle your debt. There are good debt settlement companies out there that put the consumer first. You can click here for debt settlement information. Debt settlement is not a legal process. It is a negotiated process.

But before we leap at a debt settlement solution I think you need to take a step back and determine what is the best solution for you based on your situation.

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 what you should look for and expect from a good debt relief company.

Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

About the author

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.


  • I personally have used this service and yes the fees were high in the beginning but everyone was so kind, and I know they did have my best interest in mind. I too started out trying to do consolidation and I could have but the payment was way more than I could afford monthly, so they suggested I talk to these people. They saved me A LOT of money overall and answered all of my questions throughout the entire process. Trust me, I had a lot of questions. I also loved my lawyer. She explained things in a way that I could understand and had already been served a law suit before I started so I know it wasn’t the easiest thing to deal with but they helped me so that I didn’t have to go to court which was a huge relief for me. Overall I saved around $11,000 but mostly, my sanity. I’m sure this isn’t the same for everyone but wanted to share my experience.

  • How are debt settlement companies like this still around? Where is the FTC? Ashamed at Consolidated Credit for even working with a company that is out there screwing over clients. $699 admin/legal fee???

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