I Signed Up For Debt Settlement Services and Got Sued Anyway. – Dog

“Dear Steve,

I signed with the credit exchange and the jhonson law group and they let me be sued for 8000 dollars because the law group did nothing. My garnishment is for 168 a week


Dear Dog,

Recently I reviewed the client agreement for a different debt settlement company. But I think if you look in the fine print of your agreement with Johnson Law Group you might find similar language.

Do You Have a Question You'd Like Help With? Contact Debt Coach Damon Day. Click here to reach Damon.

Client understands the outcome of [XXXX] debt settlement services cannot be guaranteed and individual results may vary. Creditors are likely to continue collection efforts on delinquent accounts while enrolled in the program. Company cannot stop all calls from creditors. Collection efforts can include phone calls, collection letters, charge off reporting to the credit bureaus, contracting or selling your accounts to collection agencies or law offices, and lawsuits resulting in judgments by the courts.

The marketing message of debt settlement companies make it sound like you will be magically rid of half your debt without any consequences. That is simply untrue.

The reality is when you stop paying your creditors you fall into default and the creditor can avail themselves of any legal remedy specified in the terms and conditions you agreed to with the creditor.

I think your only remedy at this point if you feel you were promised a different service than you received is to file a complaint with the Attorney General in your state and in Nevada where the Johnson Law Group is located. The Nevada complaint process can be found here.

By the way, even though you were sued for this debt, did the Johnson Law Group and/or The Credit Exchange give you a refund for the fee you paid for their help with this debt?

Please update me on your progress by

P.S. Be sure to read ‘The Secret of Surviving Through Difficult Economic Times. What I Learned On My Journey‘.

Damon Day - Pro Debt Coach

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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.
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