Subscribe to our mailing list

X

I’m Enrolled with The Consumer Law Group and Can’t Afford My Medication. – Dauna

By on July 21, 2009
I’m Enrolled with The Consumer Law Group and Can’t Afford My Medication. – Dauna

Dauna

“Dear Steve,

I am 62, on disability and enrolled with Consumer Law Group last July. Because of my declining health, I need the funds which currenty go to the Consumer Law Group, for medication. My question is, if I discontinue these payments, will my retirement pension, which I receive in addition to social security, be subject to garnishment? I retired from a financial institution, so this is not a government pension. Also, since I essentially have no assetts, can you suggest an affordable way to file chapter 7 bankruptcy? Thank you,

I have received collection/demand letters from collection agencies and fear what action(s) they may take. The Consumer Law group has now informed me that I almost have their fees paid and after another month or so, the funds will begin to build up in my account for the settlements. They debit my account for $204.18 per month and I need these funds for medication. I know my SS benefits cannot be garnished, but my pension from the bank (from which I retired) is my concern.

Dauna”

Dear Dauna,

So here is the big problem. To date it looks like you’ve paid $2,450 in fees to the Consumer Law Group and all of that money has gone towards fees, not resolving your debt. If you had looked into bankruptcy last July and set off on that course you would have been able to file bankruptcy, protect your pension, eliminate your debt and had money left over.

I took a look at the Consumer Law Group site and found that it looks like it is not in compliance with many of the same issues that just got Allegro Law closed down by the Alabama Attorney General for similar debt settlement services and claims. If the Consumer Law Group is similarly closed down then you could be out all that you’ve paid to date.

Even at this point, if you continue on the debt settlement route, you’ve only paid their fees, not saved a dime towards any settlements yet, and you’ve not received any relief from collections or protection from being sued by creditors.

READ  Connecticut One Strike Ruling for Consumer Law Group - Barred

Before you send one more penny to anyone for debt help, please go meet with a local bankruptcy attorney and get specific answers to your pension questions by a licensed attorney in your state.

The American Bankruptcy Institute has an online directory of pro-bono bankruptcy attorneys.

I know emotionally you might not want to consider bankruptcy, but you need to embark on a solution that will not require any more payments for debt help or creditors so you can purchase the medication that you need.

The reality is that this decision has already been made for you by your medical needs. I’d ask the Consumer Law Group for a full refund of fees you’ve paid and they have not earned by providing you with any service apparently than collecting their fee. If they won’t give you one, let me know, I’ll tell you how to get one.

Please update me in the comments section of this question with what the results of your refund request are.

morehelp1

Last step, fill out the information below or call us for Priority Assistance.

What problems are you having with your report?

Your first name is required. Your first name is required to be at least 2 characters. Your first name cannot be longer than 50 characters.
Your last name is required. Your last name is required to be at least 2 characters. Your last name cannot be longer than 50 characters.
Your email is required.
Your phone is required. Your 10 digit phone number is required.
Your state is required.
Your age is required. Your age must be greater than 18. Your age must be less than 100.

By clicking on the "Contact Me" button above, you consent, acknowledge, and agree to the following: Our Terms of Use and Privacy Policy and to receive electronic communications. We take your privacy seriously. That you are providing express "written" consent for Debt.com or appropriate service provider(s) to call you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS - charges may apply), even if your telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list. Consent is not required as a condition to utilize Debt.com services and you are under no obligation to purchase anything.

By clicking on the “Contact me” button above, you consent, acknowledge, and agree to the following: (1)That you are providing express “written” consent for Lexington Law Firm, Debt.com or appropriate service provider(s) to call you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS – charges may apply), or dialed manually, at my residential or cellular number, even if your telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list; and (2)Lexington Law’s Privacy Policy and Terms of Use and Debt.com’s Terms of Use and Privacy Policy. Consent is not required as a condition to utilize Lexington Law or Debt.com services and you are under no obligation to purchase anything.

About 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.

Share a Comment / Leave a Reply

%d bloggers like this: