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?
Steve's Thought of the Day
I Signed Up For Debt Settlement Services and Got Sued Anyway. – Dog
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
Dog”
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.
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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?
4 thoughts on “I Signed Up For Debt Settlement Services and Got Sued Anyway. – Dog”
I signed up with Johnson Law Group , pretending to paid off credit cards debts, they collected 307 dollars every month for almost 20 months, l just received a letter with a check for 1,100 dollars , they said…”your account is closed…thank yu for join Johonson law grou.. and i do not know if they paid any of my debts…l know nothing…l called johnson law group de Florida…and they know nothing…Anybody can help me?…all this , in my opinion is a set up…all collections companies still calling me….a judge will be in my side?…the law will be in my side?….do l should learn, or at least take a law course before signing any papers?…because thats all l always heard…fine print…you signed…you screwed..I NEED HELP>>> WHY Credit cards don’t worked with us…once you are late…there is no brake, they are requesting the whole amount…they make us to look for this alternatives and what happen? l got rob>>>>
I signed up with Johnson Law Group , pretending to paid off credit cards debts, they collected 307 dollars every month for almost 20 months, l just received a letter with a check for 1,100 dollars , they said…”your account is closed…thank yu for join Johonson law grou.. and i do not know if they paid any of my debts…l know nothing…l called johnson law group de Florida…and they know nothing…Anybody can help me?…all this , in my opinion is a set up…all collections companies still calling me….a judge will be in my side?…the law will be in my side?….do l should learn, or at least take a law course before signing any papers?…because thats all l always heard…fine print…you signed…you screwed..I NEED HELP>>> WHY Credit cards don’t worked with us…once you are late…there is no brake, they are requesting the whole amount…they make us to look for this alternatives and what happen? l got rob>>>>
We live in a society of magic pill seekers who take no responsibility for their results.
1. Debt settlement is useles IF you do not save enough money to make a reasonable settlement offer. Did you accumulate enough funds to make a settlement? This is the number one reason why debt settlement fails, because the client failed to accumulate funds to settle THEIR account.
2. Were you delinquent on that account before you enrolled wwith JLG? Was it already in the hands of a collection agency or attorney?
3. No debt settlement firm or debt management company can stop your creditor from sueing you. IN fact sometimes the creditor will sue you because you hired a thrid party company to help you get out of debt.
You were sued because you stopped paying. Not because of anything that JLG did or did not do.
So yes file a complaint and complain that you were sued for not paying your bills and that when you hired a company to settle for you, you did not have enough money to settle and now your pissed.
Maybe the regulators will shut down the entire debt relief industry and leave everyone to “WORK” with their creditors who are ready and willing to assist you.
Every complain I have ever heard about a debt relief company has 99% of the time been user error. But like always nobody takes responsibility for their results and wants to blame and blog and yell scam.
I signed up with Johnson Law Group , pretending to paid off credit cards debts, they collected 307 dollars every month for almost 20 months, l just received a letter with a check for 1,100 dollars , they said…”your account is closed…thank yu for join Johonson law grou.. and i do not know if they paid any of my debts…l know nothing…l called johnson law group de Florida…and they know nothing…Anybody can help me?…all this , in my opinion is a set up…all collections companies still calling me….a judge will be in my side?…the law will be in my side?….do l should learn, or at least take a law course before signing any papers?…because thats all l always heard…fine print…you signed…you screwed..I NEED HELP>>> WHY Credit cards don’t worked with us…once you are late…there is no brake, they are requesting the whole amount…they make us to look for this alternatives and what happen? l got rob>>>>
I signed up with Johnson Law Group , pretending to paid off credit cards debts, they collected 307 dollars every month for almost 20 months, l just received a letter with a check for 1,100 dollars , they said…”your account is closed…thank yu for join Johonson law grou.. and i do not know if they paid any of my debts…l know nothing…l called johnson law group de Florida…and they know nothing…Anybody can help me?…all this , in my opinion is a set up…all collections companies still calling me….a judge will be in my side?…the law will be in my side?….do l should learn, or at least take a law course before signing any papers?…because thats all l always heard…fine print…you signed…you screwed..I NEED HELP>>> WHY Credit cards don’t worked with us…once you are late…there is no brake, they are requesting the whole amount…they make us to look for this alternatives and what happen? l got rob>>>>
I’m
Come on.
We live in a society of magic pill seekers who take no responsibility for their results.
1. Debt settlement is useles IF you do not save enough money to make a reasonable settlement offer. Did you accumulate enough funds to make a settlement? This is the number one reason why debt settlement fails, because the client failed to accumulate funds to settle THEIR account.
2. Were you delinquent on that account before you enrolled wwith JLG? Was it already in the hands of a collection agency or attorney?
3. No debt settlement firm or debt management company can stop your creditor from sueing you. IN fact sometimes the creditor will sue you because you hired a thrid party company to help you get out of debt.
You were sued because you stopped paying. Not because of anything that JLG did or did not do.
So yes file a complaint and complain that you were sued for not paying your bills and that when you hired a company to settle for you, you did not have enough money to settle and now your pissed.
Maybe the regulators will shut down the entire debt relief industry and leave everyone to “WORK” with their creditors who are ready and willing to assist you.
Every complain I have ever heard about a debt relief company has 99% of the time been user error. But like always nobody takes responsibility for their results and wants to blame and blog and yell scam.
What a weak society.