HORRIBLE PEOPLE scam POS that should be shut down. any review more than 1 star is probably fake

DO NOT USE - They just fee you The took 6300 from me and only settled one debt for 700. I called to cancel after 9 months and was told they would only refund me 200. They charge 600 a month in fees. they refuse to give my money back. HORRIBLE COMPANY look at your contract. They state fees are monthly but took them out every two weeks. I tried to resolve the issue and the managers on the escalation team told me to kick rocks. I have to get a lawyer to fight the conflict of interest in my contract.

I am beyond annoyed with this whole… I am beyond annoyed with this whole system. Approximately 36 months at a certain $$$ amount was what I was told. They would handle all accounts. I have increased my monthly and now am told that it will take more than 57 months at that increased amount. I have been taken to court twice now. They first time they "worked their magic" - which was I could pay the full cost over two years (the full cost being the original debt plus all of the monthly late fees incurred after Hallock took over) or pay a reduced some around 2k (which I didn't have and was only about a 10% reduction over the original cost). The second summons just came and I expect a third at some point because they just let the larger debts "sit until the end". I have paid over $5700 so far and only had about $1500 settled and the rest have been sucked up by their administrative fees. Add to that, the original attorney assigned to me has been absolutely impossible to reach. I will finish this out because I have paid all the main fees by now and don't have the means to deal with lawsuits on my own, but this was easily the worst financial decision of my life.

I feel scammed The only good thing that happened is after filing a claim with BBB they decided to refund my money but I still lost 400.00 for nothing. Long story short the guy came to have you signed the paperworks will not show you the list of what will be taken from your monthly. You think I will sit there infront of that guy all day reading a book of papers before I sign them? No one will explain to you how much will be deducted and goes towards your funds coz if they will, no one will be interested anymore. They wanna get paid before they provide the service. Even the 400 I lost is still unexcusable as i should not pay an app to collect my monthly. Everything is ridiculous in this program.Then what's funny is they ask you to apply for a loan with their bank so you can get a settlement faster but you will pay the interest. That is when I decided this is enough BS. I will deal with it myself at least i have 100% of my money and not getting ripped off by this law firm. In 8 months I paid them 2500 and only 400 is in my funds. Everything went to them. So I don't recommend this program at all.

Exorbitant fee Exorbitant fee. Nearly 95% of monthly payments that supposed to accumulate to settle debts goes to cover attorney's fee, administrative fees, monthly fee and other misc. fee. They said it will take 9-11 months before they could even attempt to negotiate. Which means it will take that long to accumulate enough money to make an offer to negotiate your debt. Just think only about 5% of your monthly payment goes to accumulate cash for future payments. It's a scam. Read the fine print and ask more questions on the fees. What I find out is, creditors will always try to make deal to collect some money rather lose all. Talk to your creditors, some will offer 0% and reduced monthly payments. While some will offer a lump sum discount of 50%. I bet you can find a better deal than going to debt consolidation scam companies. With so many negative reviews, it would be wise to take the positive reviews with a grind of salt.